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Best UPI Refer and Earn Apps List 2024

Updated: 7 days ago

Are you looking for ways to earn some extra cash right from your mobile phone? UPI refer and earn apps are a great way to do just that. These apps allow you to earn money by referring your friends and family to sign up and transact using UPI.


In this blog, we will be discussing the best UPI refer and earn apps for the year 2024.

UPI Refer and Earn Apps
UPI Refer and Earn Apps

Here is a list of Best UPI Refer and Earn Apps List 2024:


1. Google Pay UPI

Google Pay is the first one on our best refer and earn apps list. It is a mobile payment service started by Google to facilitate contactless transactions across mobile devices. Google Pay offers a seamless UPI-based payment experience, with a refer and earn program providing rewards for referrals.


Google Pay UPI refer and earn
Google Pay UPI refer and earn

How does Google Pay UPI refer and earn work?

  1. Use your referral link to download the app, and the shared referral code will be applied automatically.

  2. Visit the referral code page to manually enter the code.

  3. Navigate to the profile page.

  4. Tap the three dots icon and go to 'Referral code'.

  5. Input the referral code sent by your friend.

  6. If the code is valid, you will be directed to a success screen.


You can receive a maximum of 100 referral rewards by inviting new users to join Google Pay, making it one of the best UPI refer and earn apps in India. Upon the first payment made by the referred user, both the referrer and the referee will be eligible to receive their rewards. You can receive only one referral reward for your initial installation of Google Pay.



2. PhonePe UPI

PhonePe is a Digital Wallet & Online Payment App that allows you to make instant Money Transfers through UPI. PhonePe's UPI platform enables easy money transfers, bill payments, and recharges. With a refer and earn feature offering incentives for referrals, PhonePe proves to be the top UPI refer and earn app.


PhonePe UPI refer and earn
PhonePe UPI refer and earn

How does PhonePe UPI refer and earn work?

  1. Open the PhonePe app.

  2. Tap on the "Refer and Earn" section.

  3. Share your unique referral link with your friends and family via your preferred method (e.g., WhatsApp, SMS, social media).


When your friend clicks on your referral link and downloads the PhonePe app, they will be automatically credited with the referral bonus. It is one of the top refer and earn apps without KYC.



3. Paytm

Paytm is a platform that offers a way to make digital payments and financial transaction services. Paytm's UPI service allows users to make quick payments and transfers, with referral rewards available through its refer and earn program. Its seamless services puts it on top of our best refer and earn apps list 2024.


Paytm UPI refer and earn
Paytm UPI refer and earn

How does Paytm UPI refer and earn work?

  • Access the Paytm App

  • Tap on the 'Refer and Earn' banner located at the bottom of the homepage.

  • Select 'Refer via Whatsapp' and share your unique referral link with your friends.

  • Encourage your friends to click on the referral link and initiate their first money transfer (minimum Rs. 1) to any recipient using Paytm UPI within 7 days of registering on Paytm.


Paytm UPI refer and earn app offers lucrative rewards for both referrers and new users.



4. Amazon Pay UPI

Amazon Pay is an online payment service that makes online transactions effortless. Amazon Pay UPI facilitates secure payments and transactions on the Amazon platform, with referral bonuses available for inviting new users. Its ease of use make it among the top refer and earn apps list.


Amazon Pay UPI refer and earn
Amazon Pay UPI refer and earn

How does Amazon Pay UPI refer and earn work?

  1. Open the app.

  2. Go to 'Amazon Pay' on the home page.

  3. Scroll down and go to 'Manage' category.

  4. Click on 'Invite and Earn'.

  5. Search for the contact you want to share the link to and send them your referral link.


Once your friend starts using Amazon, you will receive the referral rewards. With the Amazon Pay UPI refer and earn app, users can earn cashback, discounts, or other incentives.



5. Freecharge UPI

Freecharge is a simple and fast way to do online recharge for prepaid or postpaid mobile, and make bill payments. Freecharge's UPI feature enables swift payments and bill settlements, with rewards offered for referrals through its refer and earn initiative. Freecharge refer and earn apps without investment allow users to earn rewards simply by referring friends.


Freecharge UPI refer and earn
Freecharge UPI refer and earn

How does Freecharge UPI refer and earn work?

  1. Open your Freecharge account.

  2. Share your referral code with your friends and ask them to use it when they sign up for a new Freecharge account.

  3. Once your friend makes an account using your link and starts using it, you'll receive referral rewards.


With the Freecharge UPI refer and earn app, you can earn cashback, discounts, or other incentives.



6. Mobikwik

MobiKwik is an Indian payment service provider that offers seamless online money transfers, bill payments and recharge. Mobikwik's UPI integration allows users to make hassle-free payments and earn rewards through its refer and earn program. Inviting friends to join the Mobikwik UPI refer and earn app can unlock exclusive benefits.


Mobikwik UPI refer and earn
Mobikwik UPI refer and earn

How does Mobikwik UPI refer and earn work?

  1. Open the app.

  2. Click on the Refer & Earn App Card.

  3. Share your link to your friends via WhatsApp or any other medium.


Once your friend starts using the app, you will receive Rs. 100 SuperCash, and your friend will also receive the same amount, when they add Rs. 50 to their Freecharge wallet. You can earn a maximum of Rs. 5,000 SuperCash through the Refer and Earn program. This method makes it the best refer and earn apps without investment.



7. Navi UPI

Navi is an Indian fintech company offering a range of financial services. Utilizing the Navi app, you can swiftly access services such as instant cash loans, home loans, health insurance, and mutual fund investments. Navi's UPI service offers seamless money transfers and payments make it the top refer and earn apps in India.


Navi UPI refer and earn
Navi UPI refer and earn

How does Navi UPI refer and earn work?

  1. Open the Navi app.

  2. Scroll down and click on ‘Refer and earn’.

  3. Click on ‘Invite from your contacts’ and select your contact.


Once your friend invests in Navi’s Digital Gold or completes KYC in Mutual Fund, then you will earn referral rewards. Navi UPI refer and earn app encourages users to share their positive experiences with others and earn rewards in return.



8. Cred UPI

CRED is a refer and earn apps without investment platform for credit card bill payments, accessible only to its members, which offers rewards for timely bill clearance. CRED enables users to make house rent payments and offers short-term credit lines. Cred's UPI feature ensures smooth bill payments and credit card management, with referral benefits accessible through its refer and earn scheme.


Cred UPI refer and earn
Cred UPI refer and earn

How does Cred UPI refer and earn work?

  1. Open the Cred app.

  2. Share your referral code with your friends.

  3. Once they use the app to make payments, you will receive referral rewards.


This way users can maximize their earnings by leveraging the referral program of the Cred UPI refer and earn app.


9. Airtel Payments Bank

Airtel Payments Bank is one of the best refer and earn apps in India, offering excellent deals on recharges and utility payments. It enables you to conveniently pay bills online for services such as postpaid bills, broadband, digital TV recharge, and even offers options to modify bill cycles and more.


Airtel Payments Bank UPI refer and earn
Airtel Payments Bank UPI refer and earn

How does Airtel Payments Bank UPI refer and earn work?

  1. Refer any Airtel service through the Airtel Thanks App.

  2. Select the service you wish to refer, such as Broadband, Postpaid, DTH, Airtel Black, or Prepaid.

  3. Your friend activates the Airtel service using your referral link.

  4. Both of you receive Airtel coupons worth up to ₹300 on the Thanks App.


Airtel Payment Bank UPI refer and earn app facilitates easy transactions and offers referral rewards for inviting new users to the service.



10. JioMoney

JioMoney is an online platform that promises smart, simple and secure digital payments. JioMoney, being the one of the top refer and earn apps in India, offers seamless UPI functionality that enables users to make secure payments and transfers, with referral incentives available through its refer and earn program.


JioMoney UPI refer and earn
JioMoney UPI refer and earn

How does JioMoney UPI refer and earn work?

  1. Download and register on MyJio App.

  2. Tap on the 'Refer a Friend' tab within the MyJio App.

  3. You will be eligible to receive rewards when the contacts you invite via the MyJio App successfully activate their Jio SIM card.


Referring friends through the JioMoney UPI refer and earn app is a simple way to earn rewards while introducing others to its benefits.


11. Jupiter UPI

Jupiter is an online banking app that you can use to pay, track, save, and invest. Jupiter's UPI service provides convenient banking solutions, with referral bonuses offered for inviting others to join the platform. Its multi functionality makes it among the top 10 refer and earn apps in 2024.


Jupiter UPI refer and earn
Jupiter UPI refer and earn

How does Jupiter UPI refer and earn work?

  1. Share your referral link and invite a friend to Jupiter app.

  2. Once your friend joins and makes a transaction using Debit Card, you'll start to receive referral rewards.

  3. You'll receive 100% of the Jewels earned by your friends for 3 months from their date of joining Jupiter, up to 150 jewels per month. Additionally, you'll earn 100 Jewels when your friend makes their first Debit Card payment.


Jupiter money UPI refer and earn app encourages users to share their positive experiences with others and earn rewards in return.



12. Bajaj Finserv UPI

Bajaj Finserv is a non-banking finance company. UPI feature enables users to make quick payments and transfers, with rewards provided for referrals through its refer and earn initiative. Its focus on lending, asset management, wealth management and insurance makes it better than even new refer and earn apps in 2024.


Bajaj Finserv UPI refer and earn
Bajaj Finserv UPI refer and earn

How does Bajaj Finserv UPI refer and earn work?

  1. Provide your personal information.

  2. Enter the details of the referee and await confirmation via SMS and email.

  3. Once confirmed, you will receive the reward amount in your account upon loan disbursement!


By participating in the referral program of the Bajaj Finserv UPI refer and earn app, you can enjoy additional perks with every successful referral.


13. Groww UPI

Groww is an expanding financial services platform in India that offers users a wide array of investment solutions, including mutual funds, stocks, US stocks, ETFs, IPOs, etc. Groww's UPI seamless investment transactions and referral benefits accessible allow it to rank high on the refer and earn apps list 2024.


Groww UPI refer and earn
Groww UPI refer and earn

How does Groww UPI refer and earn work?

  1. After sharing the link with your friends, encourage them to complete the entire account opening process to claim their reward.

  2. Once they finish activating the account, the cash reward will be added to their Groww Balance as well as yours.

  3. To receive the reward your stocks account should also be activated.


The Groww UPI refer and earn app fosters a community of users who actively promote its services in exchange for rewards.



14. PayZapp by HDFC Bank

HDFC Bank PayZapp is a comprehensive online payment app that provides users with a multitude of features, including cashpoints rewards on mobile payments like UPI transactions, money transfers, and other services. PayZapp's streamlined UPI experience for payments and transfers make it to the top of any refer and earn apps list.


PayZapp UPI refer and earn
PayZapp UPI refer and earn

How does PayZapp UPI refer and earn work?

  1. Open the PayZapp UPI app.

  2. Go to 'Offers' section and click on 'PayZapp Refer and Earn' option.

  3. Once your friend downloads and starts using the app, you both will get Rs. 50 as reward.


The PayZapp UPI refer and earn app empowers users to earn rewards effortlessly by inviting friends and family to join the platform.


15. FamPay

FamPay is one of the leading refer and earn apps in India, It provides you with a Spending Account equipped with your own UPI and card, allowing you to make lightning-fast payments and unlock massive rewards in the process. Its UPI platform caters to teenagers and offers referral incentives for inviting friends to join the platform and avail of its services.


FamPay UPI refer and earn
FamPay UPI refer and earn

How does FamPay UPI refer and earn work?

  1. Open the FamPay UPI app.

  2. Go to 'Offers' section and click on 'FamPay Refer and Earn' option.

  3. Once your friend starts using the app and completes their KYC, you will receive rewards.


Inviting friends to join the FamPay UPI refer and earn app can unlock exclusive benefits.


Conclusion

In conclusion, UPI refer and earn apps provide a simple and effective way to earn some extra cash right from your mobile phone. The apps mentioned above - PhonePe, Google Pay, Paytm, Amazon Pay, and Mobikwik - all offer attractive referral programs and cashback offers, making them the best UPI refer and earn apps for 2024. So, start referring your friends and start earning today!


 

FAQs on Best UPI Refer and Earn Apps List 2024:


Q1. Which refer and earn apps in India gives money?

Ans: There are UPI refer and earn apps that offer monetary rewards including PhonePe, Google Pay, Paytm, Freecharge and many more.


Q2. How to get Rs. 100 in Paytm UPI refer and earn app for free?

Ans: Access the Paytm App. Tap on the 'Refer and Earn' banner located at the bottom of the homepage. Select 'Refer via Whatsapp' and share your unique referral link with your friends. Encourage your friends to click on the referral link and initiate their first money transfer (minimum Rs. 1) to any recipient using Paytm UPI within 7 days of registering on Paytm.


Q3. Which is the top refer and earn apps?

Ans: The top refer and earn apps vary based on user preferences and current promotions, but popular options include PhonePe, Google Pay, Paytm, and Amazon Pay.


Q4. Which UPI is best for refer and earn apps rewards?

Ans: The UPI app that is considered best for refer and earn rewards depends on factors such as promotional offers, ease of use, and user preferences. However, Google Pay and PhonePe are widely recognized for their referral programs.


Q5. How do I get my GPAY refer and earn money?

Ans: To claim your refer and earn money on Google Pay, you need to ensure that your referred friend signs up using your referral link or code and completes the required action. Once they fulfill the criteria, both you and your friend will receive the referral rewards automatically credited to your Google Pay accounts.




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