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30 Best Refer and Earn Apps in India to Make Money (2023)

Are you looking for a way to earn pocket money? or Want to earn money by referring different apps to your networks?

Cheers! You’re in the right place. 😀

In this article, we will be discussing Refer and Earn Apps. These are apps that give you rewards for referring your friends to them. We will be discussing how these apps work and some of the best refer and earn apps available today.

There are a few things to keep in mind when using refer and earn apps.

First, make sure the app is legitimate and that the company offering the referral reward is reputable.

Secondly, be sure to read the terms and conditions of the app before participating.

Finally, remember that refer and earn apps are a great way to get people to try new products or services, but they should not be the only factor considered when deciding what to purchase or use.

What exactly is Refer and Earn?

Essentially, Refer and Earn apps are a way for companies to get more customers by offering rewards to those who refer their friends.

For every friend that you refer to the company, you will earn a certain amount of points or credit. These points can then be redeemed for prizes or cash.

The number of points or credits you earn will vary from company to company. Some companies may offer a higher reward for referrals, while others may have a lower reward but more referral options. It depends on the company and what they are offering.

How do refer and earn apps work?

There are a few apps that have been developed that use a referral system to give users a chance to earn some extra money.

When a user signs up for the app, they are given a unique code that they can share with their friends. For every friend that signs up using the code, the original user earns a small amount of money.

This system is a win-win for both the app developers and the users. The developers get more users signing up for their app, and the users get a chance to earn some extra cash. However, there are a few things to keep in mind before signing up for one of these apps.

30 Best Refer and Earn Apps (2023)

All the 30 earn and refer apps are checked by our team and are 100% earnable. What you must do is find out 2 to 3 apps of your interest and start referring to as many as possible.

How to earn the most out of it?

Pro Tip – Refer and Earn is somehow directly related to Affiliate Marketing. So, you can target the best affiliate marketing apps that I’m going to talk about in this post. You can earn money by referring to more than an app on affiliate marketing platforms.

Let’s talk about the best refer and earn apps one by one. 😀

Refer and Earn Apps – Affiliate Marketing

Affiliate Marketing is a way to earn money by generating traffic or sales to external websites. Here, you have access to multiple apps that you can choose and refer to your friends and families.

1. Amazon Associates

Amazon Associates - Refer and Earn App

Amazon Associate is a dedicated refer and earn app by Amazon. Here, you can earn money by referring any product listed on Amazon to your connections.

To start, you have to create an account on Amazon Associates and after that, you can choose any product that will be easy for you to sell.

Amazon offers flat commissions starting from 2% to 20% depending on the category you are promoting. Check commission rates on the associate dashboard.

Pro Tip – Join social media groups/pages and start sharing links with like-minded audiences to get better conversations.

2. Admitad

Admitad - Referral and Earn App

Admitad is just the same as Cuelinks, but the difference is the availability of campaigns and payout. I recommend you create an account on both platforms and check for referrals and payouts.

You may find the same referrals on both platforms, but KPIs (Key Performance Indicators – Tasks that you have to do to earn) and payout on each referral may differ. Choose the easiest one and start referring.

Affiliate Marketing platforms take a month for payouts. But don’t worry about payments, your money is 100% safe. You can check daily earnings on your dashboard.

3. vCommission

vCommission - Refer and Earn Apps

Just like Cuelinks and Admitad, vCommission is another trusted affiliate marketing platform. You will get referrals on E-commerce, iGaming, Hosting, Finance, Travel, and more industries.

You will also get an account manager from vCommission that will help you with campaign running and payouts.

AliExpress, Shopee, Flipkart, Myntra, Fiverr, Kotak Life, and Rummy Games are some of my top recommendations.

4. Cuelinks

Cuelinks - Refer & Earn Apps

Cuelinks is an Affiliate Marketing platform where you can earn money by referring to several apps listed on this platform. That means you can earn refer more apps and withdraw all the combined earnings.

To start, you have to create a Publisher Account on Cuelinks. After that use Campaign Explorer to find the most suitable referral from 1,000+ affiliates available on this platform.

TaskBucks, Gamezy, and The Panel Station are some of my top recommendations.

5. EarnKaro

EarnKaro – “Earn Real Money via Affiliate Marketing” is founded by Swati Bhargava & Rohan Bhargava and backed by Mr. Ratan Tata. In 2020 EarnKaro and CashKaro will receive a $10M investment in Series B funding.

Big Bazaar, Tata Cliq, Cadbury, Myntra, and Grofers are top eCommerce companies that are listed on EarnKaro.

Just like Meesho, you must add your profit and share profit link to your network to start earning.

6. Times Prime

Times Prime is a subscription-based app that offers premium memberships across categories like travel, food, entertainment, and others. So, how can you earn money?

You must refer to their subscription plan and you will earn ₹200 on every successful referral. Times Prime allows you to earn a maximum of ₹5,00,000 as a referral amount.

Verified Paytm KYC is mandatory to withdraw earned money.

7. Meesho

Meesho is a reseller app and one of the best and my recommended refer and earn apps. Here, you have to register yourself as a reseller. Once done, start sharing product links on social media. Don’t forget to add your commission before you generate and share a link.

There is no earning limit on Meesho. The more products you refer to, the more revenue you make.

Another Way – Directly refer to the Meesho app to earn 25% off your referral’s 1st order. You can earn ₹350 max. per referral.

8. Shopsy by Flipkart

Just like Meesho, Shopsy is another reseller app by Flipkart. Here you can also earn money in 2 separate ways. One, adding your commission to a product and referring them to your friends. Second, join refer and earn program and earn ₹150 per referred friend.

To avail of referral benefits, your friends should make a purchase of at least ₹200 and should not cancel or return the order.

Payment will be made directly to your bank account once the return period is completed.

Refer and Earn Apps – Money Earning

This is a double bonus for you when it comes to money earnings. One, earn money by completing certain tasks. Two, refer to these apps to earn more.

9. TaskBucks

taskbucks app

TaskBucks is among the well-known best refer and earn apps. Partnered with PayTM, it’s not just a refer & earn app. You can participate in daily deals, learn & earn on financial products & services, and refer TaskBucks app and the products listed on it.

Along with the TaskBucks app, you can refer to credit cards, insurance, Demat accounts, savings accounts, personal loans, and more.

10. The Panel Station

Another refer and earn app along with several other tasks to earn more money. The Panel Station is majorly a survey app where you can share your opinion to get paid.

Beyond this, they also run refer and earn program with a fixed payout on successful installation and signing up. For better earnings, I recommend you take part in surveys along with referring the app to your friends.

11. ySense

ysense refer and earn apps

ySense is a Survey, Cash Offers, and Referrals platform that pays you in dollars. That means, you have the highest chance of earning through this app, and hence, this is one of my top recommended apps.

Every referral must participate in surveys and cash offers (downloading apps, creating accounts, watching videos, trying products and services). You will earn up to 30% of your friends’ earnings for a lifetime.

As earnings are in USD, an account on International Payment Gateways like PayPal or Payoneer is necessary. Vouchers from Amazon Pay, Westside, BookMyShow, and Lifestyle can also be availed.

12. Swagbucks

Swagbucks app

Swagbucks is just the same as ySense. You will earn in USD and must take part in surveys and online games to earn more.

For every 100 Swagbucks coins, you will get $1 that you can withdraw through PayPal or avail gift vouchers.

Refer and earn will be paid in USD with a minimum referral earning of $ 0.30 per referral.

13. CashKaro

CashKaro was also founded by the founders of EarnKaro. They are associated with 1,500+ sites that pay you cashback or rewards for doing something.

You can also refer to the CashKaro app and earn a lifetime 10% cashback on what you earn. Avail cashback amount to buy a voucher or directly withdraw to your bank account.

By using CashKaro, it is easy to earn ₹10,000 to ₹15,000 per month. They have paid over ₹150 crores in total cashback.

14. EarnEasy

EarnEasy: Earn Cash in 24 hrs – Refer and Earn Apps

EarnEasy is an easy-to-use cashback and referring earning app. Refer a friend and you will earn ₹15 per referral. Other than this, you can download the apps from the list of apps mentioned in the app to earn instant cashback.

For every 400 reward points, you will earn ₹100. Withdrawals can be done through PayTM, Bank Transfer, and UPI.

Pro Tip – Build your community on Telegram, so that every link you share gets a fair number of registrations.

15. Sikka

Sikka - Refer & Earn Apps

Sikka is an all-in-one app where you can earn money by doing various tasks. These tasks include earning money by watching videos, playing games & quizzes, installing apps, and referring to the Sikka app.

Refer and earn offer 100% reward points on the 1st 3 tasks completed by your referral. So, the more you refer, the better earnings you will be able to make.

Other than referring, I recommend you complete above said task to earn more.

16. Pocket Money

You can earn ₹160 daily with refer & earn on Pocket Money. Play Games, Watch Videos, Complete Tasks, Share Coupons, and Refer & Earn are the methods to earn money on Pocket Money.

₹10 is a referral bonus and a maximum of 16 referrals are allowed in a day. The minimum payout is fixed at ₹20 and can be withdrawn to Paytm Wallet.

While you play games and complete tasks 1 Credit = ₹0.2. So, you must have 100 credits to withdraw ₹20.

Refer and Earn Apps – Fantasy Sports

These are apps where you can earn money by playing games as well. Even, refer and earn commission is great in these apps.

17. WinZO

WinZO - Refer and Earn Apps

WinZO is a popular gaming app that helps you to earn money by playing games. This app also offers a good amount when you refer it to your friends. The best thing is that, unlike other such apps, you need not play any games to withdraw money. You can withdraw referral earnings directly from your Bank Account.

It offers ₹14 to ₹70 per installation. The amount depends on how many quality referrals you can provide.

I recommend this app as the policy is clear and the minimum payout of ₹14 is confirmed.

18. Zupee – Ludo Supreme

Zupee or Ludo Supreme is majorly known for Playing Ludo games. But, just like WinZO, you can earn money by referring it to your networks.

In addition to WinZO, you will earn up to ₹100 on the amount they add to Zupee for playing fantasy games. But earnings from deposits will be added to the Bonus Amount and you must play games to withdraw your money.

If you have good skills in playing Ludo, you can even earn much better through this app.

19. Gamezy

Gamezy APK Download

Gamezy is one of the best gaming apps in India where you can play 15+ games and earn money. Top games on Gamezy include Ludo, Carrom, 8Ball Pool, Cricket, Monster Truck, Fruit Slice, Run Boy Run, and more.

You can earn a good amount of money by referring to this app to your friends. But all the referrals will be credited to the Gamezy wallet, and you must play games to convert that money to real withdrawable cash.

20. Playship

Playship - Refer and Earn Apps

Playship is a rummy app where you along with your friends and family can play games while having on-app audio conversations. This is a legit app, and you can also earn money by playing games.

It also runs refer and earn program where each referral you make gives a bonus of ₹20. The minimum payout is ₹10, and withdrawal can be done to your Paytm or Bank Account.

Refer and Earn Apps – Investment

You can earn money by referring to top investment and trading apps. These apps give you a one-time referral bonus and cumulative bonuses on every trade taken by your referral.

21. Cred

Cred is a top-ranked Credit Card bill payment app. And do you know it offers a good referral bonus on each successful referral?

Yes, this Fintech startup offers up to ₹1,500 for each successful referral (Installation and 1st Credit Card bill payment). The minimum payment of ₹750 is fixed and ₹750 depends on the credit card bill amount.

If you can refer to 10 friends in a month, you have a fair chance of earning ₹15,000 per month with just a single app.

22. Upstox

Upstox is a stock trading app that also offers referrals, a cash rewards for successful account creation. Your referrals must open a Demat account with Upstox to become eligible for referral earnings.

There is no fixed referral bonus on Upstox. It gets changed from ₹400 to ₹600, depending on offers that are currently going on.

On Demat Account opening, you will get ₹100 only, and the rest ₹300 or ₹500 when a referral starts investing on the app.

23. Groww

Groww is the latest trading app in the market where you can earn a Flat ₹100 on successful account activation. Your referral will also get ₹100 in his/her account.

A maximum of 1,000 people can be referred. That means you can earn up to ₹1,00,000 with this Groww refer and earn program.

Pro Tip – Trading apps are the best source of referral earnings. Try connecting with groups interested in investments to get more referrals.

24. Paytm Money

Paytm Money is another investment and stock trading app owned by Paytm. This app also runs refer and earn programs to help you in earning money.

₹150 is what you will get on successfully referring to a connection. You will get this amount in the trading balance, and you must create a position (buying/selling of stocks) to withdraw money.

25. INDmoney

INDmoney is an investment and portfolio management app, which allows you to manage your finances on a single platform. That means one can connect all Demat Accounts, Bank Accounts, Loan Accounts, Crypto Accounts, and Other Investments with INDmoney.

Other than that, it offers to trade and invests in US stocks. So, this is a good app when it comes to earning money through referrals, as options are high.

When you refer a friend and if he adds ₹5,000 or more, you will get ₹1,500 and if he adds less than ₹5,000, you will get ₹500.

26. Bank Sathi

BankSathi is a financial advisory platform where one can become an advisor and get paid for selling any financial product or service. They also provide training to understand the products and services. If you and your connections have an interest in finance, then this is a good option to earn money.

The product that you can sell includes Savings Account, Demat Account, Insurance, Loans, Credit Cards, and EMI Cards.

Choose a product and share your referral link and help them to complete the process. Once an account is live or a credit card is processed, your referral will be credited to you.

Refer & Earn the BankSathi app to earn 10% of the earnings that your referral will make.

27. CreditMantri

CreditMantri is a financial app that checks credit scores and recommends top financial products from 50+ lenders. This helps one to compare and analyze products that match their profile.

Other than this, they keep track of credit health and provide recommendations to improve your credit score. You can also set payment alerts and track current products on this app.

For every 3 successful referrals, you will earn ₹100 in your Paytm wallet.

28. Dhani App

Just like Bank Sathi, Dhani is an online financial product-selling app. Their product portfolio includes credit cards, loans, insurance, and payments.

Dhani is also an e-commerce platform where you can purchase groceries, household & kitchen products, medicines, personal care, and more in one place.

To start earning choose a product and start referring to your group. You can earn extra income of up to ₹30,000 per month. Enjoy withdrawing in your bank account without any restrictions.

29. CoinSwitch by Kuber

CoinSwitch is one of the best crypto trading and investment apps. With a minimum investment of ₹100, one can start a journey in cryptocurrencies.

It also offers a referral reward of up to ₹150 for every successful referral done through your link. Even your every referral will get Bitcoin (BTC) of ₹50 for free.

In a day, a maximum of 25 people can be referred. That means you can earn ₹3,750 in a day.

30. WazirX

WazirX is a Crypto Trading and Investment platform where one can invest their money in cryptocurrencies and earn money from it. As it is a money-earning app, money can also be earned by referring it to your friends.

It offers a flat 50% reward (for a lifetime) for the trading fee paid by your referred friends. Let’s say if a referral paid a total of ₹1,000 as a referral fee, you would get ₹500 in your WazirX account.

I recommend you start investing earned money in cryptos if you have some knowledge of it. Else, you can withdraw money directly to your bank account from the WazirX account.


Q1. Which apps give the best referral?

When it comes to affiliate marketing refer and earn apps, Commission, Admitad, Amazon Associate, and EarnKaro are the best.

Coming to money-earning refer and earn apps, The Panel Station, CashKaro, and EarnEasy are the best to earn money in INR. You can also earn in USD through Swagbucks and ySense.

Winzo and Zupee Gold are the best apps to earn money by referring to fantasy sports apps.

For investment-related you can use Cred, Upstox, and Groww.

Q2. Are these apps legit?

Every app mentioned in this post is legit. Our team use to research and draft content that is 100% genuine. You can use any of these apps without any worry about earnings and payment.

Final Thoughts on Refer & Earn Apps

Refer & Earn Apps have some limitations on the amount of money that you can earn. As per my observations, you can earn up to ₹15,000 per month by devoting your free hours every day.

You can earn great with Affiliate Marketing and Fantasy Sports Apps, but my recommendation is not to rely on these sources of income. Although affiliate marketing is a full-time business idea, for other sources, limitations are always there.

Aditya Goyal
Aditya Goyal

Author, Researcher, and SEO Expert with over 6 years of experience in Writing Content on Money Making Ideas, Startup Resources, and Business Growth. With a background in Marketing and Operations, I love to help individuals/businesses to create their own success stories.

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