4 Best Refer and Earn UPI Apps in India 2023

Hello friends, I hope all of you are safe in this pandemic period. Today in this blog, I will tell you about the best refer and earn UPI apps in India. If you want to earn money in your Paytm wallet or Bank account then these refer and earn payment apps will be helpful for you. So without wasting your time let’s read.

UPI Apps help us to transfer money from one bank account to another in a quick time. Apart from this, we can check our Bank balance, pay recharge or bills and transfer money from our own bank account to another.

Since 2017, there has been a lot of UPI Apps launched in India. But only a few of those were in the market till today. You can use any UPI Apps to transfer money. Almost every app is an all bank UPI money transfer app. If you have a Bank account on SBI, BOI, PNB, BOB, AXIS etc then you can use the Bank’s own UPI apps such as YONO SBI from SBI.

Not all UPI apps come with a refer and earn option. But there are some apps that have a refer and earn offer to gain more users.

Best Refer and Earn UPI Apps

You can earn money from your home without any investment in many ways. You can start affiliate marketing, YouTube Channel, Blogging, Telegram Channel or you can earn money through apps. If you have a group of friends then you can refer your friends to some apps and earn money once they registered on that app.

Here is some of the best refer and earn UPI Apps in India that you can use to transfer money from all Banks. Apart from these apps, there are some other different apps also available to make money such as Meesho, EarnKaro etc.

UPI AppsRefer and Earn
1. Google Pay₹201
2. PhonePe₹150
3. Paytm₹100
4. MobiKwik₹20

1. Google Pay

I always think Google Pay is the best refer and earn UPI app in India. This is because by referring to this app we can get the money directly to our bank. And then we can do whatever we want with that money. There are many such apps where our referral cashback is given in our wallets. We can take that money to the bank if we want but in that case, we have to face a little problem. But this is not the case with Google-Pay.

google pay cashback offer 2020

Google Pay Refer and Earn Offer vary from person to person. Some people get ₹201 for a referral whereas some people get ₹180 for a referral. At the same time, the person who will download through your link will also get ₹21 cashback in their bank account linked with Google Pay UPI.

Refer and Earn Money in Bank

  • First of all, download the Google Pay App.
  • Register or create UPI on Google Pay.
  • Tap on the Invite option.
  • Copy your referral code and share it on WhatsApp.
  • Once your referred friend makes their first UPI money transfer of the amount ₹150 or more, you will get a scratch card, ₹201 in your Bank Account.
  • Also, the user will get ₹21 in their Bank account.

Also Read: Best Fantasy Cricket Apps

2. PhonePe

The second best refer and earn UPI app is PhonePe. In this app, you can do a lot of things. From all Bank UPI money transfers to recharge, bill payments and bank balances everything is possible through the PhonePe App.

Apart from these few things, we can purchase Digital Gold and invest in liquid funds through the PhonePe App. A lot of people use the PhonePe App to purchase and sell Digital Gold, investments. The money earned through the PhonePe referral offer will be added to your PhonePe Gift Cards which you can use to recharge or pay bills online.


If you refer your friends to join the PhonePe App then you will get a ₹150 in your PhonePe Wallet. The people who will download through your link will get nothing.

Refer and Earn ₹150 Cashback

  • First of all, download the PhonePe App.
  • Then register your account and connect with UPI.
  • Tap on ‘Refer & Earn ₹125’.
  • Share the invite link on WhatsApp.
  • Once your friend registers through your link and makes their first UPI payment you will receive a ₹150 cashback into your PhonePe wallet.

Also Read: Paytm Withdrawal Earning Apps

3. Paytm

The most common payment app in India is Paytm. Most of us use the Paytm App to make payments through UPI from all banks, recharge, bill payments, gas booking etc. Paytm has its own payment bank that makes the major difference among its competitor apps.


You will get to see four different Refer and Earn Offer on the Paytm app. You can use all of the four offers to earn more cashback in Paytm.

Refer and Earn ₹100 Cashback

  • First of all, download the Paytm app.
  • Create an account and register UPI on this app.
  • Scroll down and tap on ‘Refer and Earn ₹100’.
  • Share your invite link on WhatsApp.
  • On their first successful money transfer, you will receive ₹100 cashback in your Bank.

Refer friends to Recharge or Pay Bills

  • Open the Paytm App.
  • Scroll down and tap on ‘Refer and Earn ₹100‘.
  • Tap on ‘Refer friends to Recharge & Pay Bills’.
  • You will receive flat 2000 cashback points for every friend who does 1st recharge or bill payment on Paytm.

Also Read: How To Cancel Paytm Tickets

Refer friends to buy Paytm Fastag

  • Open the App and tap on ‘Refer and Earn ₹125’.
  • Select the ‘Refer friends to buy Paytm Fastag’ option.
  • Earn ₹25 cashback for every friend who buys Paytm FasTag using your link.

Earn Assured Cashback Through Citybus Ticket

  • Open the Paytm App.
  • Tap on ‘Refer and Earn ₹125’.
  • Tap on ‘Refer friends to buy Citybus Ticket’.
  • You will earn assured cashback every time a referred friend books their 1st Citybus ticket on Paytm.

Also Read: How To Increase Paytm Postpaid Limit

4. MobiKwik

Apart from PhonePe, Paytm, and Google Pay, there are other apps that we can use for any kind of online payment. Whether it is to transfer money from one bank to another or recharge, bill payment etc. MobiKwik can do all kinds of online payments in a very quick time.

MobiKwik has a refer-and-earn offer where you will earn Cashback after a new referral. Actually, there are two types of referral offers available on the MobiKwik App. You can earn a total of ₹20+₹100 in your MobiKwik wallet. That’s why I feel MobiKwik is one of the best refer and earn UPI apps in India.

UPI Refer and Earn ₹20 Cashback

  • First of all, download the MobiKwik App.
  • Find the Refer and Earn option.
  • Share your invite link with friends.
  • You will get ₹20 cashback after your referred friend’s first UPI money transfer.

Refer and Earn ₹100 Cashback

Refer your friend to transfer your MobiKwik wallet balance to Bank. If they transfer a minimum of ₹2500 from their MobiKwik Wallet to Bank then you will get a ₹100 cashback and the friend will get a ₹75 cashback. You can easily use this balance to recharge, bill payment or transfer to a Bank Account.

Also Read: Play Games and Earn Paytm Money

Which is the best payment app in India?

There was a time when we had a few options to make payments online. Such as apps like Paytm, PhonePe, Google Pay and internet banking. But now the options are many. It’s good but sometimes bad too. We get confused with a lot of options.

If you ask me which is the best refer and earn payment app in India then I might take a long time. But instead of this if you ask me to name some of the money transfer apps then I can easily say PhonePe, Google Pay, FreeCharge, Paytm, Groww, WhatsApp etc. are the best payment app in India in my opinion.

I used almost all of the above-mentioned refer and earn payment apps and a few others too. Among these, it’s very difficult to say which one is the best. Some of the apps come with good features, and cashback offers whereas some apps come with the best interface and user experience. If I conclude this then I think Google Pay is the app that I love the most and maybe the best refer and earn payment app in India.

Also Read: Earn ₹500 Paytm Cash Daily

FAQs: Refer and Earn Payment Apps

1. How can I refer and earn money?

There are a lot of apps available that come with a refer and earn program. You have to sign up on that platform and start referring new friends. The more new people you refer the more money you will make.

2. Which payment app is best for referral?

Paytm, PhonePe and Google Pay all three come with a referral program. Apart from these three, there are some other UPI payment apps available. But Google Pay is the best payment app for referrals. You will earn the highest ₹201 for a referral and the money will be credited directly to your bank account.

3. How to get referrals for free?

You can create content for social media and promote products there. Also, you can use Telegram Channel to get referrals for free.

Final Thoughts

In this article, we talked about the best refer and earn UPI apps or the best refer and earn payment apps in India. I hope you read it to the end and found the solution to your queries. I know refer and earn UPI payment apps are not the solution to making money online. But still, if you have a lot of users and you have an option to make some extra and quick money then why not use it? Don’t think much, just start referring.

I included only 4 apps in the above table because other UPI payment apps do not have ‘refer and earn’ options. Among Paytm, Google Pay, PhonePe and MobiKwik, Google Pay is the app that comes with the highest and best referral program. Because you can withdraw the money earned from Google Pay directly from your Bank.

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Also Read: How To Delete Paytm Acount

Also Read: How To Delete PhonePe Account

Suvam Biswas

Suvam Biswas is a passionate writer living in West Bengal. His favourite topics are Investment, Personal Finance, Earning Apps and Make Money Online. On this website, users will get to know all of these categories of articles which will help them to earn or save some extra money from home.

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