In 2025, refer and earn apps have become a great way to make passive income while sharing your favorite platforms with friends and family. With the increasing trend of digital transactions and rewards-based marketing, many apps offer lucrative referral programs that allow users to earn money effortlessly. In this article, we will explore the top 5 refer and earn apps in India for 2025.
1. Google Pay
Why Is It the Best?
Google Pay remains one of the most trusted UPI payment apps in India. It offers seamless transactions and an exciting referral program.
Referral Program:
- Earn up to ₹201 per referral when a friend makes their first UPI transaction.
- Additional cashback offers on regular transactions.
How to Refer?
- Open Google Pay and tap on “Invite Friends”.
- Share the referral link with friends.
- Earn rewards once they complete their first transaction.
2. PhonePe
Why Is It Popular?
PhonePe offers a robust UPI payment system with cashback rewards and a highly rewarding referral program.
Referral Program:
- Earn ₹100 per referral when your friend registers and completes a UPI transaction.
- Get extra cashback on utility payments and recharges.
How to Refer?
- Open the PhonePe app and go to the Refer & Earn section.
- Share your unique referral link.
- Earn cashback when the referred user transacts.
3. Paytm
Why Does It Stands Out?
Paytm is not only a digital wallet but also a hub for bill payments, shopping, and more, making its referral program attractive.
Referral Program:
- Earn up to ₹200 per referral after they make their first payment.
- Get additional rewards on transactions via Paytm UPI.
How to Refer?
- Go to the Paytm app and find the Referral Section.
- Share your referral link.
- Earn cashback when the friend completes their first transaction.
4. Cred
Why Do Users Love It?
Cred rewards users for paying their credit card bills on time, making it a valuable app for financially responsible users.
Referral Program:
- Earn ₹250 CRED Coins per referral.
- Additional benefits such as discounts on premium brands.
How to Refer?
- Open the Cred app and navigate to the Refer & Earn section.
- Share your invite code with friends.
- Get Cred Coins once they sign up and pay their first credit card bill.
5. Meesho
Why It’s a Must-Try?
Meesho is India’s leading reselling app that allows users to earn money by sharing products and referring friends.
Referral Program:
- Earn up to ₹500 per referral when they place their first order.
- Additional cashback and incentives for regular users.
How to Refer?
- Open the Meesho app and find the Refer & Earn section.
- Share your referral link.
- Earn money when your friend places their first order.
Potential Earnings Table
| App Name | Earnings per Referral (₹) | Additional Benefits |
| Google Pay | ₹201 | Cashback Offers |
| PhonePe | ₹100 | Utility Cashback |
| Paytm | ₹200 | Extra UPI Rewards |
| Cred | ₹250 CRED Coins | Discounts & Deals |
| Meesho | ₹500 | Incentives & Cashback |
Final Thoughts
If you are looking to make some extra money in 2025, these top 5 refer and earn apps in India can be a great choice. Each app offers exciting rewards, and by sharing them with friends, you can build a steady stream of earnings. Whether it’s cashback, gift cards, or direct money transfers, these apps provide multiple ways to benefit.
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