UPI, launched by the National Payments Corporation of India (NPCI), has transformed the way Indians handle money, offering seamless, instant transactions without the need for cash or cards. In recent years, many UPI apps have introduced referral programs as a growth strategy, providing users with cash incentives for bringing in new users. These referral programs benefit both the referrer and the new user, making it a win-win for everyone.
In 2025, with competition at an all-time high, these UPI apps are constantly enhancing their referral rewards to attract more users. In this blog, we will be discussing the best UPI refer and earn apps for the year 2025.
Here is a list of Top UPI Refer and Earn Apps List 2025:
Google Pay UPI
Referral Reward: ₹301 per referral
Joining Bonus for New Users: ₹21 cashback
Join Google Pay and Earn: Download Here
Overview: Google Pay is the first one on our best refer and earn apps list. It is a mobile payment service started by Google to facilitate contactless transactions across mobile devices. Google Pay offers a seamless UPI-based payment experience, with a refer and earn program providing rewards for referrals.
How does Google Pay UPI refer and earn work?
Use your referral link to download the app, and the shared referral code will be applied automatically.
Visit the referral code page to manually enter the code.
Navigate to the profile page.
Tap the three dots icon and go to 'Referral code'.
Input the referral code sent by your friend.
If the code is valid, you will be directed to a success screen.
Earn ₹301 cashback for every successful referral with the Google Pay Refer and Earn program, making it one of the top UPI-based cashback apps in India. New users referred through your unique code will receive a ₹21 bonus after completing their first qualifying transaction. Note that only one referral reward is credited per new installation of Google Pay. Start sharing your Google Pay referral code today and unlock the rewards of the Google Pay Refer and Earn program!
Learn more about: Google Pay refer and earn
PhonePe UPI
Referral Reward: ₹200 per referral (subject to terms)
Joining Bonus for New Users: ₹200
Join PhonePe UPI and Earn: Download Here
Overview: One of India’s most popular UPI apps, PhonePe continues to offer attractive referral rewards. The referral bonus is credited after the new user completes their first transaction. Additionally, PhonePe regularly updates its promotions, so users can find time-sensitive bonuses and cashback offers.
Notable Features: Utility bill payments, investment options, and insurance purchase options.
Why Choose PhonePe?
PhonePe’s reliable service, frequent cashback offers, and robust support make it a top choice for users looking to refer friends and earn rewards.
Learn more about: PhonePe refer and earn
Paytm
Referral Reward: ₹100 per referral
Joining Bonus for New Users: ₹100
Join Paytm UPI and Earn: Download Here
Overview: Paytm is a widely recognized brand that offers secure UPI transfers. While its referral reward may be slightly lower, it compensates by offering frequent cashback opportunities for recharges, bills, and purchases on the Paytm app.
Notable Features: Paytm Mall for shopping, ticket booking, financial services.
Learn more about: Paytm refer and earn
Amazon Pay
Referral Reward: ₹25 per referral
Joining Bonus for New Users: ₹75
Overview: Amazon Pay, integrated within the Amazon shopping app, provides users with UPI transactions alongside convenient access to the entire Amazon ecosystem. The app offers referral bonuses when new users sign up and make a UPI transaction.
Notable Features: Shopping integration, EMI options, bills and recharges.
Why Choose Amazon Pay?
Amazon Pay’s integration with the shopping platform makes it an ideal choice for frequent Amazon users who want to earn through referrals.
Also read: Amazon Pay refer and earn
Freecharge
Referral Reward: ₹30 per referral
Joining Bonus for New Users: ₹20
Overview: Freecharge, owned by Axis Bank, is a popular UPI and wallet app. The app’s referral program gives both the new user and the referrer a small bonus, with additional cashback offers on recharges and payments.
Notable Features: Digital wallet, recharges, and Axis Bank integration.
Why Choose Freecharge?
Freecharge’s strong brand reputation and seamless experience make it an attractive option for users who want moderate referral rewards and wallet features.
Also read: Freecharge refer and earn
Mobikwik
Referral Reward: ₹20-₹50 per referral
Joining Bonus for New Users: ₹20
Overview: Known for its digital wallet, MobiKwik now also supports UPI payments. The referral program offers moderate bonuses and cashback incentives, making it attractive for users who prefer a combination of wallet and UPI services.
Notable Features: Digital wallet, insurance, and loans.
Why Choose MobiKwik?
Ideal for users who like using digital wallets along with UPI transactions.
Also read: Mobikwik refer and earn
Navi UPI
Navi is an Indian fintech company offering a range of financial services. Utilizing the Navi app, you can swiftly access services such as instant cash loans, home loans, health insurance, and mutual fund investments. Navi's UPI service offers seamless money transfers and payments make it the top refer and earn apps in India.
How does Navi UPI refer and earn work?
Open the Navi app.
Scroll down and click on ‘Refer and earn’.
Click on ‘Invite from your contacts’ and select your contact.
Once your friend invests in Navi’s Digital Gold or completes KYC in Mutual Fund, then you will earn referral rewards. Navi UPI refer and earn app encourages users to share their positive experiences with others and earn rewards in return.
Also read: Navi UPI refer and earn
Cred UPI
Referral Reward: ₹200 or gift vouchers per successful referral.
GrabOn
Joining Bonus for New Users: Up to ₹250 cashback on the first payment.
Overview: CRED incentivizes users to maintain good credit behavior by offering rewards for on-time credit card bill payments. The platform has expanded its services to include UPI payments, allowing users to send money to any number or UPI ID and earn cashback.
Through its referral program, users can earn ₹200 or gift vouchers for each successful referral, with no limit on the number of referrals.
Notable Features:
Credit Card Management: Pay credit card bills and earn rewards.
UPI Payments: Send money to any number or UPI ID and earn cashback.
Exclusive Rewards: Access curated shopping experiences and premium brand discounts.
Financial Insights: Track credit scores and receive personalized financial advice.
Why Choose CRED?
Ideal for creditworthy individuals seeking to manage credit card payments efficiently while earning rewards and accessing exclusive offers.
Airtel Payments Bank
Referral Reward: Up to ₹50 per referral.
Joining Bonus for New Users: Up to ₹50 upon account creation and first transaction.
Overview: Airtel Payments Bank combines banking services with UPI transactions, allowing users to open savings accounts and perform digital transactions. Referral rewards are provided when new users open an account and use UPI services.
Notable Features: Interest on savings, micro-loans, and insurance products.
Why Choose Airtel Payments Bank?
Great choice for Airtel users who want a combination of UPI and banking services.
Also read: Airtel Xstream Fiber refer and earn
Slice
Referral Reward: Up to ₹500 per referral
Joining Bonus for New Users: Up to ₹500
Join Slice UPI and Earn: Download Here
Slice is a digital payment platform offering seamless UPI transactions, cashback rewards, and unique features like the "Fire game." With its Refer and Earn program, you can earn up to ₹500 per referral, making it a great choice for maximizing rewards.
How does Slice UPI refer and earn work?
Download and sign up on the Slice app.
Access Slice referral code (e.g., REKHA1500452) or link in the "Refer and Earn" section.
Share the code/link via WhatsApp, email, or other platforms.
Earn up to ₹500 when your friend completes their first UPI transaction.
Use "fires" earned from transactions to win extra cashback in the Fire game.
Referring friends through the JioMoney UPI refer and earn app is a simple way to earn rewards while introducing others to its benefits.
Jupiter UPI
Jupiter is an online banking app that you can use to pay, track, save, and invest. Jupiter's UPI service provides convenient banking solutions, with referral bonuses offered for inviting others to join the platform. Its multi functionality makes it among the top upi refer and earn apps.
How does Jupiter UPI refer and earn work?
Share your referral link and invite a friend to Jupiter app.
Once your friend joins and makes a transaction using Debit Card, you'll start to receive referral rewards.
You'll receive 100% of the Jewels earned by your friends for 3 months from their date of joining Jupiter, up to 150 jewels per month. Additionally, you'll earn 100 Jewels when your friend makes their first Debit Card payment.
Jupiter money UPI refer and earn app encourages users to share their positive experiences with others and earn rewards in return.
Also read: Jupiter refer and earn
Bajaj Finserv UPI
Referral Reward: ₹100 per referral
Joining Bonus for New Users: ₹50
Overview: Bajaj Finserv offers a UPI service through its financial app, which provides a range of financial services, including loans, insurance, and investment products. The app allows users to earn referral bonuses when new users sign up and start transacting. Bajaj Finserv’s UPI platform is a good choice for those who prefer to have access to a variety of financial services in one app.
Notable Features: Quick UPI payments, loan and EMI options, credit score checks, and insurance products.
Why Choose Bajaj Finserv UPI?
Best for users who want access to various financial services and lending options along with UPI functionality.
Groww UPI
Referral Reward: ₹25 per referral
Joining Bonus for New Users: ₹25 upon first transaction
Overview: Groww, initially an investment platform, recently introduced UPI services, allowing users to make payments and transfer money while managing their investments in stocks, mutual funds, and other assets. Groww’s referral program offers a solid reward when new users join the platform and start using its UPI feature, which is integrated with the broader investment functionality of the app.
Notable Features: Investment options in stocks and mutual funds, easy UPI transfers, financial insights, and educational resources for investors.
Why Choose Groww UPI?
Perfect for investors who want to manage their portfolio and make UPI transactions all in one app.
Also read: Groww refer and earn
PayZapp by HDFC Bank
Referral Reward: ₹50 per referral
Joining Bonus for New Users: ₹50
Overview: PayZapp is HDFC Bank’s UPI app that integrates UPI payments, bill payments, recharges, and online shopping. The referral program rewards both the referrer and the new user upon successful registration and a minimum transaction. PayZapp’s integration with HDFC Bank also allows users to access special bank offers and rewards.
Notable Features: Direct integration with HDFC Bank accounts, exclusive HDFC offers, shopping, travel bookings, and utility bill payments.
Why Choose PayZapp?
Ideal for HDFC Bank customers who want a smooth UPI experience combined with exclusive banking benefits.
FamPay
Referral Reward: ₹100 per referral
Joining Bonus for New Users: ₹51
Overview: FamPay is designed specifically for teenagers, allowing them to make UPI transactions and manage their money with parental oversight. It’s a great option for young users who want to start managing their finances early. FamPay’s referral program allows both the new user and the referrer to earn a small bonus after the first transaction.
Notable Features: Prepaid card for teens, parental controls, UPI payments, and rewards for tasks completed by users.
Why Choose FamPay?
Perfect for teenagers and young adults looking for financial independence with a safe, supervised UPI app.
Tips for Maximizing Earnings with UPI Referrals
Target New Users: Refer friends or family members who don’t yet have the app for higher chances of earning referral bonuses.
Leverage Social Media: Share your referral links on social platforms for broader reach.
Encourage First Transactions: Make sure your referrals complete their first transaction, as this is usually required to unlock the referral bonus.
Stay Updated on Promotions: Many UPI apps offer increased referral rewards during special promotions or festivals.
Safety and Security Considerations
While refer-and-earn programs can be lucrative, always prioritize security. Avoid sharing your UPI PIN, and ensure that referrals are made through official app links. Here are a few security practices to keep in mind:
Verify App Authenticity: Download apps only from trusted sources like Google Play Store or Apple App Store.
Enable Two-Factor Authentication: For added security, activate two-factor authentication on your apps.
Beware of Scams: Do not click on suspicious links or share sensitive information with unknown entities.
Conclusion
With the digital payment landscape in India evolving rapidly, UPI refer-and-earn programs provide a convenient way to make money. From Google Pay to Slice Pay, each app has its unique offerings, and the best choice will depend on your specific needs and usage patterns.
By understanding the nuances of each platform’s referral system, you can maximize your earnings in 2025. Always remember to approach these opportunities with security in mind, ensuring that you and your friends can safely enjoy the perks of UPI referrals.
FAQs on Best UPI Refer and Earn Apps:
Q1. Which refer and earn apps in India gives money?
Ans: There are UPI refer and earn apps that offer monetary rewards including PhonePe, Google Pay, Paytm, Freecharge and many more.
Q2. How to get Rs. 100 in Paytm UPI refer and earn app for free?
Ans: Access the Paytm App. Tap on the 'Refer and Earn' banner located at the bottom of the homepage. Select 'Refer via Whatsapp' and share your unique referral link with your friends. Encourage your friends to click on the referral link and initiate their first money transfer (minimum Rs. 1) to any recipient using Paytm UPI within 7 days of registering on Paytm.
Q3. Which is the top refer and earn apps?
Ans: The top refer and earn apps vary based on user preferences and current promotions, but popular options include PhonePe, Google Pay, Paytm, and Amazon Pay.
Q4. Which UPI is best for refer and earn apps rewards?
Ans: The UPI app that is considered best for refer and earn rewards depends on factors such as promotional offers, ease of use, and user preferences. However, Google Pay and PhonePe are widely recognized for their referral programs.
Q5. How do I get my GPAY refer and earn money?
Ans: To claim your refer and earn money on Google Pay, you need to ensure that your referred friend signs up using your referral link or code and completes the required action. Once they fulfill the criteria, both you and your friend will receive the referral rewards automatically credited to your Google Pay accounts.