BHIM Refer and Earn FAQs
BHIM is the UPI payments app from NPCI BHIM Services Limited, a wholly owned subsidiary of the National Payments Corporation of India (NPCI). Its refer and earn offer gives you ₹20 cashback and your friend ₹20 cashback when the friend joins BHIM through your referral link and makes a first payment of ₹20 or more. This page covers how the BHIM referral link works, the reward, the conditions and support, based on the Invite Friends screen in the official BHIM app as of November 2026.
What is BHIM Refer and Earn?
BHIM Refer and Earn is the Invite Friends offer inside the BHIM app: you share your referral link, and when a friend registers on BHIM through it and makes a first payment of ₹20 or more, you both get ₹20 cashback. You can find it under Invite Friends in the BHIM app.
How does the BHIM referral process work?
- Open the BHIM app and go to Invite Friends to get your referral link.
- Share the link with a friend on WhatsApp or SMS.
- Your friend downloads the BHIM app and registers using your referral link.
- Your friend makes their first payment of ₹20 or more using the BHIM app.
- You earn ₹20 cashback and your friend earns ₹20 cashback.
Is there a BHIM referral code?
No, BHIM refer and earn works with a referral link, not a code. Your friend must download BHIM and register through the link for the referral to count, so use the Join button on this page or the link a friend shares with you.
What reward does the BHIM referral give?
BHIM gives ₹20 cashback to the person who refers and ₹20 cashback to the friend who joins, once the friend completes a first payment of ₹20 or more on BHIM. The reward is cashback, not points or vouchers.
How much can I earn with BHIM refer and earn?
BHIM's Invite Friends screen shows that referring 10 friends who each make a qualifying first payment earns you ₹200 cashback, which is ₹20 for each friend. Check the Invite Friends screen in the BHIM app for the current limit before you invite more people.
What does my friend need to do for the BHIM referral to count?
Your friend must be new to BHIM, download the app and register using your referral link, and then make their first payment of ₹20 or more through BHIM. A payment below ₹20, or a registration that did not use your link, does not complete the referral.
Who can join BHIM refer and earn?
BHIM is for users in India with a mobile number registered with their bank account, as it works on UPI. Your friend needs to be a new BHIM user for the referral reward to apply.
Where does the BHIM referral cashback go?
BHIM credits the referral cashback for you and your friend after the friend's qualifying first payment. Check the rewards or transaction history in the BHIM app to see when the cashback is credited and to which account.
How do I track my BHIM referrals?
Open Invite Friends in the BHIM app to see how the offer works and to share your link again. For the status of a referral or a cashback, check the rewards section and your transaction history in the BHIM app.
Why did my BHIM referral not count?
A BHIM referral usually fails when the friend installed BHIM without your link, had used BHIM before, or made a first payment of less than ₹20. The offer can also end or change, so check the Invite Friends screen in the BHIM app for the current rules.
Can I refer myself on BHIM?
No. BHIM refer and earn is meant for inviting new users, so using your own link on a second phone or a second bank account to earn the cashback is not a genuine referral and may not be rewarded.
Can BHIM change or end the referral offer?
Yes. BHIM cashback and referral offers are promotional and can be changed or withdrawn by NPCI BHIM Services. The amounts on this page are from the BHIM app as of November 2026, so check the Invite Friends screen for the current offer.
Is BHIM refer and earn free?
Yes, the BHIM app is free and so is sharing your BHIM referral link. Your friend only needs to make a normal UPI payment of ₹20 or more to unlock the cashback for both of you.
Which similar apps have refer and earn programs?
Other UPI apps also reward referrals. Compare them on the payment apps refer and earn page, or see the UPI refer and earn apps list.
- Google Pay: widely used UPI app with its own invite rewards.
- PhonePe: UPI payments, bills and recharges, with referral rewards.
- Paytm: UPI and wallet app with refer and earn offers.
- POP UPI: a newer UPI app that gives rewards on payments and referrals.
How do I contact BHIM support?
You can contact BHIM support by email at bhim.support@npci.org.in or through the Get in Touch page on bhimupi.org.in. BHIM is run by NPCI BHIM Services Limited, Bandra Kurla Complex, Mumbai.
