Top 20 Refer and Earn Apps For 2025 - Earn up to 1,00,000
You might have heard from people about refer and earn apps, and that they are earning a good amount of money from these apps. These apps are great for anyone who wants to earn some money on the side but if you have extra time you can also earn up to 100000. To earn this income you have to dedicate time and focus. The more time you spend on these apps, the more money you will earn. Using earn and refer apps is quite easy and anyone can use these types of apps. You don’t need to have any special skills to use these apps.
If you are also wondering how to use these apps and how anyone can earn money just by referring apps to people. We have all your answers!
First, you need to know what these apps actually are and then how you can use these apps on your devices to earn money. Without any further delay, let’s get started!
What Are Actually Refer and Earn Apps?
Before you download these apps, it is important that you know what these apps are and how useful it can be for earning money. You can download these apps on your devices like android or iOS. You just have to sign up on the app and join the referral program to earn money. You can join this program very easily and once you do, you will get a unique link that you have to share with other people, friends and family. You can share it on whatsapp or instagram stories to expand the reach.
Here’s how refer and earn apps usually work:
- Download the app and sign up.
- The app gives you a special code or link.
- Share this code or link with your friends.
- When your friends join using your code, you earn a reward.
- Sometimes, your friends also get a bonus!
Top 20 Refer and Earn Apps For 2025
Here are the top 20 refer and earn apps that you can use in 2025 to earn money up to 100000. Here’s the table that shows the best refer and earn apps:
| Refer and Earn Apps | Downloads (Estimated) | Ratings (Average) | Reviews (Estimated) | For Users of |
|---|---|---|---|---|
| Teen Patti | 500M+ | 4.5 | 10M+ | Android, iOS |
| Google Pay | 500M+ | 4.3 | 10M+ | Android, iOS |
| Paytm Money | 50M+ | 4.2 | 1M+ | Android, iOS |
| Amazon Pay | 300M+ | 4.2 | 5M+ | Android, iOS |
| CRED | 10M+ | 4.5 | 200K+ | Android, iOS |
| My11Circle | 50M+ | 4.4 | 1M+ | Android, iOS |
| PhonePe | 500M+ | 4.4 | 10M+ | Android, iOS |
| RozDhan | 50M+ | 4.2 | 1M+ | Android, iOS |
| Upstox | 20M+ | 4.3 | 500K+ | Android, iOS |
| EarnKaro | 20M+ | 4.3 | 500K+ | Android, iOS |
| IIFL Securities | 10M+ | 4.1 | 200K+ | Android, iOS |
| TaskBucks | 50M+ | 4.1 | 1M+ | Android, iOS |
| Pocket Money | 10M+ | 4.3 | 200K+ | Android, iOS |
| Cubber | 5M+ | 4.1 | 100K+ | Android, iOS |
| MobiKwik | 100M+ | 4.2 | 2M+ | Android, iOS |
| Groww | 50M+ | 4.3 | 1M+ | Android, iOS |
| Meesho | 100M+ | 4.1 | 2M+ | Android, iOS |
| 11Challengers | 10M+ | 4.2 | 200K+ | Android, iOS |
| Batball11 | 20M+ | 4.3 | 200K+ | Android, iOS |
| 5Paisa | 10M+ | 4.2 | 200K+ | Android, iOS |
Now let’s learn about all these apps details:
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Teen Patti:
Teen Patti is an online gaming app where you can play real cash games. It offers a large variety of gaming apps from card games like Teen Patti, poker, rummy to luck based games like ludo, snakes and ladder. There are more than hundreds of games that you can easily play and win money. There are regular tournaments and contests where players participate to win large amounts of money. Even some players have won money up to 100000.
Anyone can play on the teen patti app, but you have to be a legal age that is 18 to play games on this app. You don’t need any special skills to play online real cash games. So, if you want to enjoy and earn money at the same time, this app is for you.
But if you are not sure about playing games to earn money, you can participate in its referral program to earn bonuses and cash money.Follow these steps to refer Teen Patti app:
- Download the app on your device.
- Sign up on the app using your information like email id and phone number.
- Once you are in the app, go to the refer and earn section.
- Copy the link and share with people.
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Google Pay
Google Pay, is one of the most popular refer and earn apps in India, used by many people. It’s a top choice when it comes to apps that give sign-up bonuses. With Google Pay, you can easily make financial transactions using your mobile phone, and there are many ways to transfer money. It has made sending money between accounts super simple.
Google Pay also offers scratch cards for transactions over ₹150, which users really enjoy. Plus, you get a good reward for every successful referral.Follow these steps to Refer Google Play:
- Open the Google Play app on your phone.
- Tap the three lines in the top left corner.
- Select “Invite friends.”
- Share your referral link through WhatsApp, SMS, Email, or any other way.
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Paytm Money:
Paytm Money is a popular refer and earn app with an affordable pricing structure, making it a great choice for day traders and beginners. If you’re new to investing and don’t know much about the stock market, Paytm Money is a good place to start.
To use the app, simply create a Paytm account, which is easy to do. Then, log in to Paytm Money using the same details. Complete the KYC process to start trading in the stock market.How to Refer and Earn:
- Download and install the Paytm Money app.
- Register and create an account.
- Go to the “Brands” section and select “Demat Account.”
- Follow the instructions and answer the questions that appear.
- After completing this, click “Share Now” to get your referral link.
Share the link, and once your friend registers for a trading account on Paytm Money, you will receive your reward.
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Amazon Pay
Amazon pay is very popular especially in India and you might already know that it is one of the largest online stores in the world. So, you can trust this app as millions of people use amazon pay app for its refer and earn feature. If you want to start simple you can use this app.
Also, one of the best features that it offers people is you will earn ₹75 when someone uses your link and uses it for the first time. You will get this cashback. It keeps changing, so you have to search the amount before you download the app.How to Refer and Earn on Amazon:
Download and register on the Amazon app.
Link your bank account with Amazon Pay.
Go to Amazon Pay, tap on the Explore button, and select “Invite and Earn.”
Click on the invite link and share your referral code with your friends. -
CRED
The CRED app helps you manage and pay credit card bills easily. You can easily track all your credit card transactions and you can also take benefits when you make on time payments. CRED is available as a free download on your smartphone. If you use CRED, you can easily earn points for whenever you pay on time, these points can be redeemed for various rewards like gift cards and vouchers.
How to Refer and Earn on CRED:
- Download the CRED app and register.
- Share your referral link with others.
- For every 10 successful referrals, you earn rewards.
These rewards can include Uber vouchers, Flipkart gift cards, Amazon vouchers, or even cashback on your credit card.
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My 11 Circle
My11 Circle is a fantastic fantasy sports app where you can play rummy, football, cricket, and carrom. If you love fantasy sports, you’ve probably heard of this app. When you sign up, My11Circle gives you ₹551 cash back instantly.
What makes My11 Circle better than other fantasy apps is that it lets you withdraw real cash to your bank account anytime, unlike other apps that only offer bonuses for referrals. You can invite your friends and earn real money, which they can use for anything they need.How to Refer and Earn on My11 Circle:
- Download the My11 Circle app and create your profile.
- Go to the “Refer & Earn” section.
- Copy the invite link and share it with your friends.
- When your friend plays for the first time, you’ll get ₹51 in your account.
Your friend will also get a ₹100 cash bonus in their wallet after using your referral code.
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Phone Pe
PhonePe is one of the top refer and earn apps with an easy-to-use interface. It lets you quickly transfer money to any bank account. But that’s not all! You can also use PhonePe to pay bills, invest, make in-game purchases, buy gold, and much more.
In India, Google Pay is the most popular UPI app, and PhonePe is right behind it in second place. PhonePe also offers good cashback and referral rewards.How to Refer and Earn on PhonePe:
- Open the PhonePe app and go to the referral section.
- Tap on “Refer & Earn.”
- Choose how you want to share the invite link (WhatsApp, SMS, etc.).
- Share the link with your friends or family.
Once your friend signs up using your link and completes the registration, you’ll get referral benefits.
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RozDhan
It is a popular earning app in India used by many people to earn money. You can make money by playing games, watching videos, reading articles, referring friends, and more. Every day, the app offers fresh and exciting content like viral articles and videos. It’s one of the top ten earning apps in India.
When you sign up, you get a bonus of ₹50 after your balance reaches ₹200. For each successful referral, you earn ₹12. The best part is that you get paid every time your referral uses RozDhan to make a payment, making it one of the best refer and earn apps in India.
How to Refer and Earn on RozDhan:
- Download the RozDhan app on your phone.
- Sign up and create a new account.
- Click on the “Login to Earn” option in the app.
- Get your referral link and share it with your friends.
Once they download and start using the app, you’ll get money in your bank account.
It’s a fun and easy way to earn Paytm money by using the RozDhan app! -
Upstox
It is a popular app in India for trading stocks and mutual funds in the capital markets. You can also earn money by referring friends through the Upstox referral link service, making it one of the best refer and earn apps in India.
With Upstox, both you and your friend can earn ₹200 when they sign up using your referral link. The new trader needs to complete all the steps to open a trading account to get the reward.How to Refer and Earn on Upstox:
- Download the Upstox app and create your investment account by following the instructions and uploading the required documents.
- When your account is made, you have to click on the dashboard on your profile.
- You will see a referral link. Copy and share it
- When your friends use your referral link to sign up and create an Upstox account, ₹200 will be added to your account.
- You’ll also earn an extra ₹100 for every amount your friend invests in their new account.
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TaskBucks
It is one of the most popular refer and earn apps in India. It offers many ways to earn money online, making it a great choice for anyone looking to make extra income. you can earn money on this app by doing simple things like referring the app to friends, downloading, and filling surveys.
The app is easy to use and gives you plenty of opportunities to earn money by doing everyday activities. Whether you’re completing tasks or inviting others to join, you can quickly earn rewards through TaskBucks.How to Refer and Earn:
- First, sign up on the TaskBucks app.
- You have to click on the invite option to copy the referral link.
- Share this referral link with your friends and family on social media platforms.
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Pocket Money
It is a trusted and popular app that you can use to earn money. It’s one of the best apps to earn extra money by completing simple tasks. You can earn up to ₹500 for mobile recharges and cash rewards by using this app. Pocket Money is an app that provides you ₹30 as a bonus every time someone uses your referral link to download the app. It means the more you share apps with other people, the more you can earn bonuses. You can earn up to ₹160 every day just by referring others.
How to Refer and Earn on Pocket Money:
- Download the Pocket Money app
- Go to the “Refer and Earn” section in the app.
- Copy your referral link and share it with your friends and family.
- Each time someone installs the app using your link, you will earn ₹30.
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IIFL Securities
It is a well-known stockbroker in India’s capital markets and offers a great refer and earn program. This app allows existing customers to earn extra cash by referring friends and family. It’s one of the top earning apps in India, and what makes it special is that you can trade equity deliveries for free, with no commission fees. For all other trades, there’s a small fee of ₹20.
The IIFL referral program is very rewarding, offering ₹500 for every successful referral, making it a popular choice for those looking to earn extra money.How to Refer and Earn on IIFL Securities:
- Log in to your IIFL Securities account.
- Go to the referral section and carefully read the terms and conditions.
- Share your referral link or referral code with your friends and family.
- Once your friend uses your referral to open an account and completes the process within 30 days, you will receive ₹500 as a reward.
- It’s a simple and effective way to earn money while helping others start trading with IIFL Securities.
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EarnKaro
It is a great app for those who want to earn money from home. It has a quick approval process and offers a wide range of products that you can promote and earn from. As one of the best refer and earn apps, it allows you to join their affiliate network easily. You’ll get approval within minutes, making it convenient to start earning right away.
How to Refer and Earn on EarnKaro:
- Download the EarnKaro app and sign up.
- Once you’ve registered, go to your profile and select the “My Referral” option.
- Click on “Refer & Earn Lifetime” to get your unique referral link.
- Share this referral link with your friends, family, or social networks.
- For every sale made by someone in your network through the link, you’ll earn 10% of the revenue they generate.
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Cubber
If you want an app that offers more than just bonuses then Cubber is for you. You can use this app to recharge your phone and pay other bills, So, along with earning money you can use this app for your daily online chores. You can also use cubber for shopping, to book tickets and for other online payments.
It is a useful app that you can share with others, when they download the app you will get a bonus that you can use next time you are shopping on the app.How to Refer and Earn on Cubber:
- Download the app and sign up.
- Once you’ve registered, go to your profile and select the “My Referral” option.
- Copy your unique referral link and share it with your friends and family.
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Groww
This is an investment app where people can invest their money in BSE and NSE stocks. It provides an easy user interface that helps people to invest easily in mutual funds and stocks. It has easy options that are good for trading. Grow has solved a problem and bring a platform where anyone can invest even if you are new to investing in stocks and mutual funds.
How to Refer and Earn on Groww:
- Download the Groww app, register, and submit your details to open a Demat account.
- Complete the account and soon your account gets activated.
- After that visit your profile and click on the “Share and Earn” option.
- Copy your referral link and share it with your friends.
- Once your friend signs up using your link, you will receive cashback in your Groww account.
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Meesho
Meesho is one of the best refer and earn apps in India, where you can make money by reselling products and referring others. Known as India’s top reselling app, Meesho lets you sell products and earn commissions, making it a great opportunity for people looking to earn extra money.
How to Refer and Earn on Meesho:
- Download and Sign Up: Install the Meesho app and create your account.
- Go to Account Settings: Tap on “Account” and then select “Refer & Earn.”
- Share Your Link: Click on “Refer a Friend” and share your unique Meesho referral link with others.
- Earn from Sales: When someone signs up using your link and makes purchases or resells products, you will earn 25% commission on their first 3 orders.
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Batball11
Batball11 is a popular fantasy sports app where you can enjoy playing different fantasy games and earn rewards. The app gives you a ₹50 welcome bonus directly in your wallet when you join. Plus, you can earn even more by referring your friends and family to join the app.
How to Refer and Earn on Batball11:
- First, download the Batball11 app on your phone.
- Register on the app and get ₹50 as a welcome bonus in your wallet.
- Go to the profile section and click on the “Share” option.
- Share the referral link or code with your friends on social media.
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Mobikwik
MobiKwik is one of the best refer-and-earn apps, It offers a variety of services like investing in digital gold, stocks, and mutual funds, and you can also complete your pending bank transfers or pay bills with this app. If you want to join its referral program for bonuses, it is very easy. where You can earn rewards for referring others. You get ₹50 as a sign-up bonus and ₹20 for every successful referral.
How to Refer and Earn on MobiKwik:
- Download the MobiKwik app and link your bank account.
- Go to the “Deals for You” section and click on “Refer & Earn.”
- Get your invite link and share it with your friends and family.
- Once your referral completes, you will receive cashback in your wallet.
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11Challengers
You might have already heard about 11 challengers app if you like to play fantasy games . This app has multiple fantasy games that you can play like various sports games like football, cricket, and basketball whenever you want to play. It also offers a great opportunity to earn money by referring the app to your friends and family.
How to Refer and Earn on 11Challengers
- Download the app and sign up.
- Once you’ve registered, go to your profile and select the “My Referral” option.
- Copy your unique referral link and share it with your friends and family.
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5Paisa
It is an investment platform that offers a simple flat brokerage fee, no matter the product, size, or where you trade. You don’t have to pay any charges for opening an account on the app but for each mutual fund investment you have to pay a small fee of Rs. 10. You can also join the 5Paisa referral program where you can earn up to ₹500 everytime someone uses your link to sign up on the app.
How to Refer and Earn with 5Paisa:
- Download the app and log in.
- Go to the “Refer and Earn” option in the “User” section.
- Copy your unique referral code or link.
- Share the code or link on social media or with friends.
- Once your referral completes their profile and opens a Demat account, you will receive the referral reward.
It’s a simple and rewarding way to earn money while helping others start their investing journey with 5Paisa!
Conclusion
In conclusion, there are many refer and earn apps that can help you in earning money up to rs. 100000. You just have to give some time and effort to earn a good amount of money. There are many refer and earn apps that you can use to earn money but if you like playing games then Teen Patti app is for you. It has over 100 hundred cash games of different types that you can play to earn some side income. You can participate in the tournaments to earn a big amount. Other than Teen Patti there are many other apps that you can download for earning money as mentioned above. These are the best 20 refer and earn apps that anyone can download.
