Refer and earn apps are really popular because they’re a simple way for people to make some extra money just by telling their friends about an app. These apps are great for companies too, because it’s like having lots of people help them spread the word without spending much on ads.
Plus, we all like to listen to our friends’ suggestions, so it’s a smart way for apps to get more people to use them. There are many such apps that come with referral amounts, with which people can earn a bit of money without any effort. Let’s look at a few Refer and Earn apps that will be popular among people in 2024:
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List of Top 20 Refer and Earn Apps Without Investment
1. EarnKaro
Earnkaro is a marketing network that deals with affiliate marketing network. It has partnerships with more than 150 online retailers. Its a deal sharing website that allows users to share different products and services from online retailers with their network. It has a refer and earn program that allows marketers to earn extra by recommending the app to their network.
It has a refer and earn program that allows marketers to earn extra by referring the app to their network. The users can earn a 10 % lifetime commission on the amount of their referrals from the network.
| App Name | EarnKaro |
| Launched On | 2019 |
| Downloads | 1M+ |
| Rating | 3.6/5 |
| Referral Bonus | 10% lifetime commission |
| Platform Availability | iOS, Android |
2. Upstox
It is a financial technology that offers an online trading platform for stock brokers, traders and investors. Users can access a wide range of financial products, such as ETFs, stocks, mutual funds and derivatives. Its refer and earn program has a high payout. Whenever an account is activated through your referral, ₹600 will be credited to the Upstox Wallet. It can be easily invested or withdrawn from your bank account.
| App Name | Upstox |
| Launched On | 2021 |
| Downloads | 10M+ |
| Rating | 4.5/5 |
| Referral Bonus | Earn up to ₹600 on every Referral |
| Platform Availability | iOS, Android |
3.TimesPrime
Times Prime is a premium lifestyle membership in India. It offers benefits across various categories, like entertainment, travel, dining and shopping. Members enjoy a lot of content, such as dining, travel, entertainment and shopping.
It offers many subscription services on one platform that is convenient and provides a value added experience for users to improve their lifestyle with offers and experiences. The refer and earn programme allows users to earn a flat ₹350 for every new paid user referred by them.
The one who refers gets a ₹350 discount on their first purchase, The maximum referral amount can extend to ₹3500.
| App Name | TimesPrime |
| Launched On | 2019 |
| Downloads | 1M+ |
| Rating | 3.7/5 |
| Referral Bonus | Earn a flat ₹350 for every new paid user referral |
| Platform Availability | iOS, Android |
4. Frizza
Frizza is an app that lets you earn cash for doing fun things online. You can make money by completing tasks, playing games without signing up, joining quizzes, reading articles, watching cool videos, and shopping to get cashback. It’s easy to use, and once you’ve made ₹30, you can quickly get that money into your wallet or UPI. It has a friendly design and fast payments to PayTM, Frizza is a hit with over 20 million users.
| App Name | Frizza |
| Launched On | 2018 |
| Downloads | 10M+ |
| Rating | 4.0/5 |
| Referral Bonus | Earn ₹6 Per Referral |
| Platform Availability | iOS, Android |
5. Zupee
Zupee is an online multiplayer gaming app. It offers a modern twist on the classic Ludo board game. It was founded in 2018 by graduates from Indian Institutes of Technology.
It makes users participate in skill based gaming and compete for monetary rewards. Zupee is for those who enjoy quick, strategy based games and provides various modes of play, including 1v1 and winner takes it all battles.
It is one of the most popular apps in India, with over 10 million downloads. Through Zupee, players can enjoy the thrill of ludo along with the opportunity to win rewards in a competitive online environment.
When your friends sign up using your referral code, you will receive a ₹5 bonus. The more friends you refer, the more rewards you earn. If your referred friend deposits money, you will receive ₹30 play money and ₹70 bonus money for every ₹ 100 they deposit.
| App Name | Zupee |
| Launched On | 2023 |
| Downloads | 10M+ |
| Rating | 3.9/5 |
| Referral Bonus | Earn ₹5 for every friend referral And Get 10% of your friend’s deposit (up to ₹100) |
| Platform Availability | iOS, Android |
6. MPL (Mobile Premier League)
The mobile Premier League is one of the leading mobile gaming platforms in India. It offers 60+ games and is available to download for free across various categories, such as fantasy ports, card games, arcade games, puzzles, action games and more.
It has over 9 crore users engaged in real money games like poker, rummy, ludo, fantasy cricket, call break, win patti skill and more. It has a feature where players can play with other players for a chance to win cash prizes.
The referral programme of MPL can earn up to ₹10000 per friend through the refer and earn programme. Additionally, new users who register with an MPL referral code can receive a joining bonus of ₹5, 10+ coins, and a deposit offer from MPL.
| App Name | MPL |
| Launched On | 2022 |
| Downloads | 10M+ |
| Rating | 4.1/5 |
| Referral Bonus | You get ₹75 Bonus cash for every friend |
| Platform Availability | iOS, Android |
7. Phonepe
It is a digital wallet and online payment app. It allows the user to make instant money transfers with the UPI (Unified Payments Interface). Whether you are sending cash to someone, paying bills or recharging your phone,. PhonePe was launched in 2015, and it is one of the safest and easiest digital payments across India.
The Phonepe refer and earn programme can let you earn between ₹100 and ₹1000 for each friend you join and make their first UPI transaction using a referral link.
| App Name | PhonePe |
| Launched On | 2016 |
| Downloads | 500M+ |
| Rating | 4.1/5 |
| Referral Bonus | Get ₹100 on each referral |
| Platform Availability | iOS, Android |
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8. Dream 11
Dream is a wellknown Indian fantasy sports platform that offers referral program with good rewards of of up to Rs 100. These can be easily utilized with a variety of In-App transactions. It is one of the most popular games to play with friends and earn money. It is trusted by millions of users and has 1000+ daily contents. The private contests offer a higher chance of winning. It consists of bonuses, like credit bonuses. private contest bonuses and more.
| App Name | Dream 11 |
| Launched On | 2022 |
| Downloads | 100M+ |
| Rating | 4.4/5 |
| Referral Bonus | Get up to ₹100 on each successful referral |
| Platform Availability | iOS, Android |
9. Groww
Groww is an app that helps you invest your money in stocks and mutual funds. It’s really easy to use and shows you all the latest information about the market. Plus, it helps you keep track of your investments and save on taxes.
With Groww’s Refer & Earn Program, you can tell your friends about the app, and if they start using it, you get ₹100 in your Groww wallet. You can then take that money out or use it to invest in more stuff.
| App Name | Groww |
| Launched On | 2016 |
| Downloads | 50M+ |
| Rating | 4.4/5 |
| Referral Bonus | Get up to ₹101 on each successful referral |
| Platform Availability | iOS, Android |
10. Zerodha Kite
Zerodha is a big name in India for online investing. It’s the first to let regulars buy and sell things like stocks and mutual funds online. They give you lots of tools to help you with your investments, like ways to borrow money to invest more (margin trading), keeping track of your money (portfolio management), and tips on what to buy or sell (research and analysis).
If you tell your friends about Zerodha and they start using it, you get a nice bonus. You’ll get 10% of the fees they pay to Zerodha, and you also get 300 points for each friend who joins. You can use these points in the app to get different rewards. It’s a pretty sweet deal for spreading the word!
| App Name | Zerodha Kite |
| Launched On | 2019 |
| Downloads | 10M+ |
| Rating | 3.7/5 |
| Referral Bonus | Get up to ₹300 on each successful referral |
| Platform Availability | iOS, Android |
11. Meesho
Meesho is a social commerce application that offers users referral incentives. Through these referrals, users are able to accumulate rewards of up to Rs 250. The sum can then be used for a variety of transactions within the app.
It is one of the best earning apps for students that you can find. Meesho is a 0% commission free app and does not have any penalty charges for late dispatch or order cancellations. It is even accessible to people without extensive tech backgrounds.
| App Name | Meesho |
| Launched On | 2017 |
| Downloads | 500M+ |
| Rating | 4.4/5 |
| Referral Bonus | Earn 25% commission on orders |
| Platform Availability | iOS, Android |
12. Urban Company
Urban Company, known as Urban Clapis, is a platform for the service market that provides referral incentives. Individuals have the opportunity to accumulate rewards of up to Rs 500 for each successful referral. These earnings can be utilized for various further transactions within the application. It offers over 50 services and has background verified professionals.
| App Name | Urban Company |
| Launched On | 2015 |
| Downloads | 10M+ |
| Rating | 4.7/5 |
| Referral Bonus | Earn Up to ₹3000+ Rewards |
| Platform Availability | iOS, Android |
13. NordVPN
Nord VPN is a virtual private network service provider. It has a secure and private connection to the internet. It allows users to surf the web and access restricted websites and services . It encrypts all data transmitted over the internet and routes it through secure servers.
It allows users to bypass geo-restrictions and censorship. If your friends buy NordVPN using your special link and stick with it for at least 30 days, you’ll get a bonus of 3 months free for each friend that does this.
| App Name | NordVPN |
| Launched On | 2016 |
| Downloads | 50M+ |
| Rating | 3.5/5 |
| Referral Bonus | You’ll instantly receive 3 months free for every friend |
| Platform Availability | iOS, Android |
14. PocketMoney
The Pocket Money app is a cool way to earn some extra cash by doing simple things on your phone. You can download apps, watch videos, play games, and even invite friends to join. When you complete these tasks, you get rewards that you can use for free mobile recharges or even transfer to your Paytm wallet.
The Pocket Money app’s Refer and Earn plan lets you earn ₹160 daily by referring friends.When your friend joins Pocket Money and completes one offer, you’ll be rewarded with ₹25 for it.
| App Name | Pocket Money |
| Launched On | 2014 |
| Downloads | 10M+ |
| Rating | 4.2/5 |
| Referral Bonus | Earn ₹ 160 daily |
| Platform Availability | iOS, Android |
15. My11Circle
My11Circle is an online cricket platform where you can create fantasy cricket teams of your own and compete with others. It’s a playground where you can form leagues, challenge friends, and stay updated with cricket news and scores. The My11Circle Refer & Earn program will give you ₹551 for every referral member.
| App Name | My11Circle |
| Launched On | 2022 |
| Downloads | 50M+ |
| Rating | 4.3/5 |
| Referral Bonus | Earn ₹551 per friend |
| Platform Availability | iOS, Android |
16. Amazon Pay
Amazon Pay is a payment option that lets you use your Amazon account to buy on other websites. It’s safe and easy to use. You don’t have to keep entering your card details everywhere.
With the Amazon Pay Refer & Earn thing, you get ₹25 added to your Amazon Pay when someone you refer signs up. Plus, your friend gets ₹600 worth of goodies when they set up UPI with Amazon Pay. It’s a nice little bonus for both of you.
| App Name | Amazon Pay |
| Launched On | 2014 |
| Downloads | 500M+ |
| Rating | 4.0/5 |
| Referral Bonus | Receive rewards worth up to ₹600 on Each Friend You Successfully Refer |
| Platform Availability | iOS, Android |
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17. IIFL
IIFL Securities is a big financial company in India that offers all kinds of money-related services. It’s a one-stop shop for things like trading stocks, managing your investments, and even insurance. If you tell your friends about IIFL and they sign up, you can make up to ₹500.
It also manages your investments and insurance.
| App Name | IIFL |
| Launched On | 2015 |
| Downloads | 5M+ |
| Rating | 4.4/5 |
| Referral Bonus | Get up to ₹500 points on each successful referral |
| Platform Availability | iOS, Android |
18. Winzo
Winzo is a gaming app where you can play a bunch of different games and win real cash. The app consists of all games, from cricket to carrom. You can compete with others to earn money
You can invite as many friends as you want to join Winzo, and for every friend who signs up, you pocket ₹55. It’s a fun way to play your favorite games and make some extra money at the same time. It is
an app that’s all about having fun and winning money. You can choose from loads of games, and it’s super safe to use. You can play in different languages, and when you get your friends to join, you get a referral amount each time.
| App Name | Winzo |
| Launched On | 2021 |
| Downloads | 10M+ |
| Rating | 3.8/5 |
| Referral Bonus | Earn cash up to Rs.55 on every successful referral |
| Platform Availability | iOS, Android |
19. PayTm Money
Paytm Money is a user-friendly app that’s perfect for anyone who wants to get into trading without the fuss. It’s got a neat referral program and low fees, which is great for both new traders and the more experienced ones who make lots of trades.
Just sign up on Paytm, finish a quick KYC, and you’re all set to buy and sell in the stock market. It’s a smart, simple way to start investing. The referral earnings of the PayTm Money app vary by ₹400 per referral.
| App Name | Paytm Money |
| Launched On | 2018 |
| Downloads | 10M+ |
| Rating | 3.9/5 |
| Referral Bonus | Earn 30% Brokerage Share for Lifetime |
| Platform Availability | iOS, Android |
20. 5Paisa
5Paisa offers a trading platform with a single, flat-rate brokerage fee, making trading simpler by removing the need to consider the size of the trade or the exchange used.
Setting up an account is free of charge, and investing in mutual funds is cost-effective with only a ₹10 order execution fee. The referral program is especially rewarding, providing ₹250 credit, 12.5% of the brokerage earnings, and additional rewards.
For mutual fund investments, 5Paisa provides options for both regular and direct funds, though some annual maintenance charges (AMC) may apply.
The platform’s benefits are plentiful, including a quick 5-minute Demat account creation, no trading brokerage fees, and a diverse range of investment opportunities in stocks, futures, commodities, options, currency trading, and MCX commodities.
| App Name | 5Paisa |
| Launched On | 2016 |
| Downloads | 10M+ |
| Rating | 4.3/5 |
| Referral Bonus | You get ₹250/- FREE Credit |
| Platform Availability | iOS, Android |