Top 10 Refer and Earn Apps in 2025 to Make Real Money Online (No Investment Needed!)
Introduction
It has never been simpler to make money with your smartphone in the current digital era. Refer and earn apps provide an easy way to make extra money without any upfront costs, regardless of your status as a working professional, homemaker, or student. You can earn cash rewards, gift cards, or even passive income by merely asking friends or family to try out a service or app you already use. Many of these apps pay instantly after successful referrals, and they are safe and simple to use. The top ten refer and earn apps that pay in 2025 will be examined in this post, along with tips on how to get the most out of each one. Top 10 Refer and Earn Apps in 2025
Table of Contents
Top Refer & Earn Apps in India
Summary Table
| App | Reward Type | Ideal For |
|---|---|---|
| Google Pay | ₹150–300 per referral | UPI payments |
| PhonePe | ₹100–200 per referral | Everyday expenses |
| Paytm | ₹100–200 per referral | Wallet + marketplace |
| CRED | ₹100–1000 in coins | Credit card users |
| Upstox | ₹500–1200 per referral | Stock traders |
| Groww | ₹25 + ₹500–10,000 on invest | New investors |
| MobiKwik | ₹50–5000 SuperCash | Recharge & utility users |
| Big Cash | Up to ₹50,000 playing games | Skill gaming fans |
| Ludo Fun | 1% commission on playing | Passive gamers |
| ySense | ₹10–25 + ₹170 bonus | Survey/task users |
1. Google Pay:
Reward: ₹150–300 per referral (varies); new users may get ₹21–₹300 as well
How it works: Share your unique invite link/code via the app. When a friend installs Google Pay and completes their first UPI transaction, both of you get rewarded. Top 10 Refer and Earn Apps in 2025
Worth noting: Trusted by millions, reliably credits rewards fast.
2. PhonePe:
2. PhonePe:Reward: ₹100–200 per referral
How it works: Access the “Refer & Earn” section in the PhonePe app, share your link, and once a friend does their first UPI transaction within 5 days, you earn. Top 10 Refer and Earn Apps in 2025
Why it’s great: Simple UPI payments + robust wallet.
What is a new refer and earn app?
3. Paytm:
3. Paytm:Reward: ₹100–200 per referral
How it works: Share referral code via “Refer & Earn” in the app. Once the referred completes KYC and first payment, both receive cashback. Top 10 Refer and Earn Apps in 2025
Highlights: Beyond payments—shopping, movies, finance.
4. CRED:
4. CRED:Reward: ₹100–1000 in CRED coins per referral
How it works: Refer friends who then pay a credit card bill through CRED. Rewards vary by bill amount.
Plus: Rewards include vouchers & premium offers.
5. Upstox:
5. Upstox:Reward: ₹500–1200 per referral
How it works: Refer a friend to open a demat account and make the first trade. You get the reward.
Great for: Finance enthusiasts and stock traders. Top 10 Refer and Earn Apps in 2025
6. Groww:
6. Groww:Reward: ₹25 per referral + ₹500–10,000 based on initial investments
How it works: Share your Groww link, your friend completes KYC and invests, and you get cash rewards.
Why it’s good: Ideal for friends starting their investment journey. Top 10 Refer and Earn Apps in 2025
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7. MobiKwik:
7. MobiKwik:Reward: ₹50–5000 SuperCash per referral
How it works: Refer and when they register and transact, you earn SuperCash backing payment discounts.
Use case: Great for frequent recharge/payments. Top 10 Refer and Earn Apps in 2025
8. Big Cash (Gaming App):
8. Big Cash (Gaming App):Reward: Up to ₹50,000 per referral based on play/deposits.
How it works: Invite new players. You earn a share of their gaming deposits or winnings.
Best for: Users in skill-gaming ecosystems.
9. Ludo Fun:
9. Ludo Fun:Reward: 1% of every game played by your referral (unlimited recurring).
How it works: Share referral code; when they play, you continuously earn commission.
Ideal for: Earning recurring passive income via casual gaming. Top 10 Refer and Earn Apps in 2025
10. ySense:
10. ySense:Reward: ₹10–25 per referral + extra ₹170 once they earn ₹400
How it works: Refer a friend; after they sign up and finish required tasks, you receive bonuses.
User feedback (Reddit): “ysense to make a little extra money… once you reach a min of $5.”
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