GroMo Referral Code MNZE8179, Use GroMo refer and earn to get up to ₹10,000 per referral when your referred partner reaches Elite level on the GroMo app.
510+ referral programs, updated regularly
Your network is worth money.India's best refer and earn apps, in one place.
Find the referral code, see exactly what you and your friend get, and start earning from the people you already know. Across 11 categories, from UPI apps to investing.
- Free to use
- No investment needed for most apps
- Rewards and steps explained
- Refer and earn apps
- 510+
- Categories
- 11
- Top reward listed, per referral
- ₹11 lakh
- Free guides on earning online
- 180+
Highest paying right now
Referrals that pay serious money
OptimHireEducationalEarn up to₹11,00,000per successful referral
AlmaBetterEducationalEarn up to₹2,00,000when friends enrol
Stable MoneyFinancialEarn up to₹1,50,000by referring friends
upGradEducationalEarn up to₹80,000for referring learners
Citi Bank Home LoanLoanEarn up to₹75,000per home loan referral
HomeLaneShoppingEarn up to₹50,000per referral
Amounts as listed on each app's page. Offers change, so check the app before you refer.
Browse by category
Pick the way you want to earn
FinancialSell financial products and earn commission57 apps
Demat AccountBonuses and a share of brokerage24 apps
LoanRewards when a referred loan is disbursed22 apps
PaymentUPI and wallet apps that pay to your bank24 apps
EducationalCash and vouchers when friends enrol45 apps
SurveyEarn from surveys and your referrals37 apps
ShoppingCash and points when friends shop85 apps
CashbackCashback sites with referral bonuses53 apps
CryptoA share of your friends’ trading fees24 apps
TravelTravel credits for you and your friends49 apps
GamingRewards when the people you invite play46 apps
All 510+ appsBrowse every refer and earn program in one listView all
Editor's picks
Popular refer and earn apps
Join InCred Money refer and earn to refer friends and enjoy ₹200 cashback on their first transaction, plus earn 0.25% for every investment they make in Pre-IPO and Unlisted Shares.
Participate in 5Paisa refer and earn program using 5Paisa referral code 50408157 and open a demat account on 5paisa to earn ₹250 + 12.5 % Brokerage Sharing lifetime.
Join the BankSathi Refer and Earn program and earn 10% lifetime commission by selling financial products online. Use BankSathi referral code 22110833 to become a BankSathi advisor and start earning today.
Use ZET Partner referral code (ReferKaroEarnKaro) and earn ₹700 for every successful referral with the ZET Partner Refer and Earn program.
Join the AltGraaf Refer and Earn program! Use your AltGraaf referral code JW9807 to invite friends, earn ₹23,000 by referring 10 friends and ₹1,500 for every friend’s first investment.
Join the Google Pay Refer and Earn program using Google Pay referral code BB6A4 and earn ₹301 cashback for every successful referral!
Join TimePay Refer and Earn using TimePay referral code K0zEI2. Earn cashback rewards, enjoy UPI transfers, bill payments & recharge services on the app.
By joining TransferGo's refer and earn program using the TransferGo referral code GIVEREFER20, you can receive a reward of £20 for each individual you invite who transfers over £100.
Refer Cashfree Payment Partner. For each added account, get access to their transactions summary and receive commission directly into your bank account periodically.
Earn ₹10,000 with POP UPI Refer and Earn! Use POP UPI referral code POP4D26513, get ₹15 per referral, referees earn ₹10. Fast payouts!
Participate in Payoneer's Refer A Friend program and earn $25 for every friend you invite! Your friends will also receive a $25 reward upon signing up. No referral code is required. Start earning today by referring your friends to Payoneer.
Earn big rewards with OptimHire's referral program: up to ₹75,000, ₹1,50,000, or even ₹11,00,000 per successful referral. Turn it into a full-time career as a Recruiter with OptimHire.
Join Prepleaf's refer and earn program with Prepleaf referral code MJolE9G. Enjoy up to 60% off on Registration Fees & earn up to ₹10,000 by referring friends.
Participate in the AlmaBetter referral program with the AlmaBetter referral code U5JASK and stand a chance to earn Rs. 2,00,000 when you invite your friends to enroll in AlmaBetter courses.
Join Physics Wallah refer and earn program and start earning money today! Use Physics Wallah referral code 7270XVLA to earn ₹100 in your bank account for every friend you refer.
Join AccioJob's refer and earn program for Full Stack Web Development course with AccioJob referral code LCKGRU and earn Rs. 3000 on each successful referral.
Use Unacademy referral code PLUS8TAXC to join Unacademy refer and earn program to invite 5 friends and get a Dell laptop & Unacademy T-shirt - Every time you invite a friend, you will get 1-month subscription extension.
Participate in the Pawns.app Refer and Earn program using Pawns.app referral code 10688521 to earn $3 for every referral and stand a chance to win an iPhone 15.
Join Repocket refer and earn! Earn $5 for new users, $3 bonus on first payout, 10% lifetime earnings from referrals, plus 4-tier extra rewards. Start earning today with Repocket!
Join Poll Pay refer and earn program with Poll Pay referral code 7K766QHB2U, get $0.25 per referral, and earn money and free gift cards through paid surveys.
By using the PollPe referral code "kpvwam", you can enroll in the PollPe refer and earn program and potentially earn up to Rs 1000 as a referral reward.
Join AttaPoll refer and earn program using the AttaPoll referral code adidf, you can earn a 10% commission on your friend's survey earnings.
Invite friends to Cash Rocket refer and earn & earn 70% lifetime commissions! Unlock rewards like iPhones, AirPods, and coins.
Use Country Delight referral code SELVIWRPGM to earn Rs. 100 for each successful referral. Enjoy fresh milk and dairy products delivered to your doorstep and earn rewards by inviting friends.
Participate in the Pincode Refer and Earn program by using the Pincode referral link. Earn ₹100 cashback when your friend receives their first Pincode order delivered to their doorstep.
Join the Alibaba Refer and Earn program! Invite friends to sign up or shop, earn up to $600 in rewards, and help them save up to $40 on their first order.
Invite friends to GoStor with GoStor referral code GOHIMAN57721! They enjoy a 6% discount on the first order of ₹5,000+ (excl. smartphones), and you receive ₹250 cash in your bank. Join GoStor refer and earn now!
Join MyGlamm Refer and Earn program using MyGlamm referral code REKH46347 and win a FREE Lipstick. Your friend also gets ₹150 OFF on their first purchase. Start referring and earning rewards with MyGlamm today!
Participate in the Livpure Smart Refer and Earn program using the Livpure Smart referral code "L58QUE" and receive a Rs. 500 Amazon Voucher. Additionally, your friend will also receive a Rs. 100 discount.
By using the Bybit referral code YZAVJY to enroll in the Bybit referral and earnings program, you can receive a 30% commission on all trades completed by those you refer.
Participate in the Bitbns Refer and Earn program by utilizing the Bitbns referral code 1969811, and you'll receive 50% of your friends' trading fees while your friend also receives ₹100 worth of BTC.
Get rewarded with Binance Refer and Earn! Use Binance referral code 391873029 to invite friends and earn USDC, rebates, and commission-based incentives.
Become a FaucetPay Refer and Earn member with no referral code required Through a variety of tasks, challenges, and games, users can increase their earnings.
Participate in the Delta Exchange refer and earn program by using the Delta Exchange referral code OBVAYE, and you can earn a generous 15% commission on the trading fees paid by your referred friends!
Join KuCoin refer and earn program using the KuCoin referral code QBSYE9BG, and start earning a lifetime commission of 20% from your referees' trades.
Neoble Refer and Earn - get ₹1,000 each for you and your friend when your friend's loan against mutual funds is disbursed.
Earn big with OneNDF's refer & earn program! Refer borrowers & get ₹50,000* onwards as reward. Accumulate OneNDF coins through referrals & redeem for cash in your bank account.
Use Finnov Partner Referral Code FINN7267 to earn 2% lifetime passive income. Refer friends, help them sell financial products, and enjoy ongoing earnings!
Refer friends, get 5% on their loans, 2% on disbursal, and 3% on repayments. Earn passive income through True Balance's loan referral program.
Earn between ₹100 to ₹3,000 in cash rewards by referring friends or family to avail a loan through the CASHe Refer and Earn program, using CASHe referral code 55W2QG4.
How it works
From your contacts to your bank, in three steps
- 01
Find the right app
Search or browse by category. Every app page shows the reward, the referral code, the conditions and how payouts work.
- 02
Join and share your code
Sign up through the app page, copy your own referral code from the app and share it with people who will actually use it.
- 03
Get paid
When your friend completes the qualifying step, the app credits your reward as cash, cashback, points or commission.
Ways to get paid
One-time, recurring or lifetime?
One-time commission
A fixed reward once for each successful referral. Simple, quick and easy to predict.
Explore appsRecurring commission
Paid again whenever your referral makes a repeat transaction, such as a trade or a purchase.
Explore appsLifetime commission
A share of your referral's activity for as long as they stay active. The slowest start, the biggest long-term upside.
Explore appsFresh listings
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EarnStarCashbackRefer and earn apps in India: the complete guide
Refer and earn apps pay you for bringing new users to them. Every app gives you a personal referral code or link. When someone signs up with it and completes the step the app asks for, the app credits your reward. Often your friend gets a welcome bonus too, which makes the invite easy to share.
The idea is simple, but the details vary a lot from app to app: how much you get, what your friend has to do, when you are paid and whether there is a limit. That is why we built Refer Karo Earn Karo: one place to compare 510+ referral programs and understand each one before you share it.
Where you can earn the most
Rewards depend on what the app earns from a new customer. Apps that make more from each user can afford to pay more for each referral.
| Category | How you usually earn | What your friend usually does |
|---|---|---|
| Financial | Commission per product sold or activated | Joins as a partner or buys a product |
| Demat account | A fixed bonus, sometimes plus a share of brokerage | Opens and activates a trading account |
| Loan | A reward or a percentage of the loan amount | Gets a loan approved and disbursed |
| Educational | Cash or vouchers per enrolment | Enrols in a paid course |
| Payment | Cashback to your bank or wallet | Makes a first UPI transaction |
| Survey | A bonus or a share of their earnings | Completes surveys or tasks |
| Shopping and cashback | Cashback, points or vouchers | Places a first order |
| Crypto | A share of their trading fees | Signs up, verifies and trades |
The highest paying refer and earn apps are usually in education, hiring, investing and loans. Payment and shopping apps pay less per referral but are far easier to refer, because almost everyone already uses UPI and shops online.
How to choose a referral program
- Payout method: cash to your bank or UPI is the most useful. Points and vouchers are fine if you will actually use them.
- Qualifying step: a free sign-up converts far better than a minimum deposit or a large first purchase.
- Limits and validity: check whether there is a cap on referrals and when the offer ends.
- KYC: financial apps need KYC by law. Survey and shopping apps often don't.
- Fit with your audience: students, traders, shoppers and small business owners respond to very different apps.
How to earn more from referrals
- Refer apps you actually use. A real recommendation converts far better than a pasted code.
- Explain the benefit for your friend, not just your reward. "You get ₹100 on your first payment" works better than "use my code".
- Share where it is relevant: a family WhatsApp group for UPI apps, a college group for learning apps, a trading community for demat apps.
- Create helpful content. A short video or blog post explaining how an app works keeps bringing referrals for months. Our guide on how to earn money from refer and earn apps covers this step by step.
- Mix payout types. Combine quick one-time rewards with lifetime commission apps that keep paying.
How to stay safe
Never pay anyone for a referral code, and avoid apps that ask for a fee or deposit before you can receive referral rewards. Check each app's official terms before you share it, since rewards and conditions can change at any time. Only share your code with people who want to use the app, and never share OTPs, passwords or bank details with anyone.
What are refer and earn apps?
Refer and earn apps reward you for inviting new users. You share your personal referral code or link, and when someone joins with it and completes the step the app asks for, such as a first transaction, a purchase or opening an account, the app pays you a reward. Many apps reward your friend too.
Which refer and earn app pays the most in India?
The biggest rewards usually come from education, hiring, investment and loan platforms, where one referral can be worth thousands of rupees or more. On our site, OptimHire lists rewards of up to ₹11,00,000 per successful referral and AlmaBetter up to ₹2,00,000. Payment and shopping apps pay smaller amounts but are much easier to refer.
Can I really earn money from referral programs?
Yes, as long as the people you refer actually join and complete the qualifying step. Your earnings depend on the reward per referral and how many people you refer. Most people earn a little extra from a few friends, while creators and advisors with a larger audience can earn regularly.
Do I need to invest money to earn from refer and earn apps?
No. Most refer and earn programs are free to join and you earn simply by inviting others. Be careful with any app that asks you to pay a fee or deposit money before you can receive referral rewards.
What is the difference between one-time, recurring and lifetime commission?
A one-time commission pays a fixed reward once for each referral. A recurring commission pays you again whenever your referral makes a repeat transaction. A lifetime commission pays a share of your referral’s activity for as long as they stay active on the app.
Are there refer and earn apps without KYC?
Yes. Many survey, shopping and cashback apps let you earn without KYC. Financial, payment, demat and loan apps usually need KYC by law, and some apps ask for it before you can withdraw. Each app page tells you what the app asks for.
How do I receive my referral rewards?
It depends on the app. Rewards are paid as cash to your bank account or UPI, wallet balance, cashback, coins or points you can redeem, vouchers, or a share of commission. Each app page on our site explains how that app pays out.
What is the difference between an affiliate program and a referral program?
A referral program usually rewards existing users for inviting friends, often with cash, credit or a discount. An affiliate program is built for publishers and creators who promote a product to a wider audience, usually for a percentage commission tracked through an affiliate dashboard.
What does Refer Karo Earn Karo do?
We are a directory of refer and earn programs from Indian and global apps. Each app page explains the referral reward, the referral code, how the process works, the conditions to qualify and how to get paid, so you can pick the right programs quickly.
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