Best Refer and Earn Apps in 2022 – Invite & Earn Money Instantly

Hello friends, I hope you all will be safe and healthy in this pandemic period. Today you will read the best reference and earn apps in 2022. If you start inviting friends by downloading these apps, then you will earn a lot of Paytm cashback and real cash in your bank account.

I know that there may be many students among you who want to earn some money in addition to your daily work. We all use smartphones and we download a variety of apps in our smartphones. There are many apps with the help of which we can get Paytm cashback or bank cash through referal.

In India, there are plenty of UPI money transfer apps, online shopping apps, fantasy cricket apps available that come with very good referral offers. If you want to earn some passive income, then these ‘Best Refer and Earn Apps in 2022’ will be the best for you.

In my opinion, money transfer apps and fantasy cricket apps are great for making money in the bank. But demat accounts like online shopping apps, Upstox, Paytm Money, Groww, Zerodha also run some good referal offers. And affiliate market apps such as Erncaro, Quelinks, Xingoy also have a good referral offer.

If your refereed friends buy something from your link you will get a commission. So I think money transfer apps and fantasy cricket apps are great for making instant money. At the same time, if you want to earn money in the long run, then affiliate marketing apps will prove to be very helpful.

Best Refer and Earn Apps in India 2022

In this list, I have mentioned about the 10 apps that I have been using for a long time. If you start downloading all these apps and referring and earning then you can earn a lot of money like me.

I’ve made a lot of money through referrals and earnings from the apps below. The best part of these apps is that you can easily withdraw your money directly from your bank account. So there is no worry about thinking about how to transfer the Paytm wallet to the bank or anything like that.

1. Paytm Money Refer and Earn ₹300

It is an online discount broker with a simple pricing model. If you are a newbie and want to start your journey in the stock market then I think Paytm Money will be one of the best options for you. It offers its clients a fixed brokerage plan. Paytm Money claims that they offer low-cost trading options and their trading fees are lower than others.

Users can open a demat account with their basic details like PAN card number, Aadhaar number, Aadhaar linked mobile number etc on the Paytm Money app. In this app you can buy stocks, mutual funds and gold. Any user can log in or sign up in the Paytm Money app with their Paytm number if they don’t have a Paytm account yet.

Paytm Money claims that users can upload their documents and their demat account will open within 24 hours. You can set price alerts to track real-time price changes of up to 50 stocks and create multiple watchlists. The first time you have to put ₹50 in your account, then you are ready to invest your money in stock, equity or NPS.

You don’t see any references and earning options in the Paytm Money app. But still, I think it’s one of the best referrals and earning apps in India. This is because a lot of users want to invest their money in Paytm Money. And you can refer friends to Paytm Money through some third-party apps like One Code. This will help you earn a flat ₹300 for each new referral. But it has some terms and conditions.

Please download the Paytm Money app before referring to friends. Because I think it’s very important to understand the app before sharing it with your friends.

  • Register on this app.
  • Tap on the ‘Brand’ option.
  • On the ‘Demat Account’ tab, you will see the option of ‘Paytm Money’.
  • Complete the training first and answer.
  • Then tap on the ‘Share Now’ button.
  • What happened!! Once they complete their profile you will get your commission.

Terms and Conditions-

  • The offer is available only for new users.
  • Your customers should have an Aadhaar link with their mobile number.
  • If users complete the profile and invest their money within the first 90 days then you will get a Paytm Money referral of ₹300 and get a commission.
  • The referral amount can be withdrawn from your Paytm number one bank account.
  • As per the law, 5% TDS will be deducted.
  • The amount will appear on your Forest Code dashboard within 7 working days.

2. Upstox – Refer & Earn

It is a mutual fund app. In this app, we can invest our money in stocks, mutual funds and digital gold.

We can earn money from this app by referring our friends and family members. If you share the upstops referral code and the referral link you will get ₹1200 in your wallet. You can withdraw this balance from your bank account whenever you want.

According to the terms and conditions of the Upstox Referr and Earn Offer, if you successfully open your friend’s account, you will get your referral amount in your account. To keep upstops demat and trading account they need to submit the correct details successfully.

  • Download the Upstocks app first.
  • Create an account by uploading the correct details.
  • After creating your upstops demat and trading account.
  • Tap on the profile icon.
  • Select the ‘Refer and earn’ tab.
  • Share your upstops referral link on WhatsApp or SMS.
  • Once your referred friends complete their profile, you’ll get ₹800 in your Upstocks account.
  • If they invest some money, you will get another ₹400 from them.
  • You can check your referrals and earnings on the ‘Your Earnings and Referrals’ tab.

Please remember that Upstocks changes its context and earns an offer from time to time. So try to share the referral link faster to earn ₹1200 upstops referral balance in your bank.

How to withdraw upstox referral money?

Please remember to withdraw your Upstox referral money, you should be an active Upstocks user. To activate your Upstocks account you need to trade for the first time. Otherwise, you cannot withdraw your referral reward to the bank from your Upstocks wallet.

First, I invested ₹500 in shares and then after two days I made 2-3 withdrawals and the money was successfully credited to my bank account within 2 days.

  • First of all, open the Upstocks app.
  • Tap on the profile icon.
  • Go to ‘Refer and Earn’.
  • Check your ‘total cash earned’ and ‘withdrawable’.
  • Then tap on ‘Take Out’.
  • Select the ‘Got It’ option.
  • Enter the amount and then confirm it.
  • The referral amount will be credited to your bank account within 3 working days.

3.IIFL Securities

It is one of the largest stock brokers in India. It provides online trading and research-based advisory services to Indian customers. They offer brokerage free equity delivery trading and for all other trading, you will have to pay a flat Rs 20 as fee.

IIFL Securities comes with a free account opening fee and an annual fee of Rs 250 for account maintenance. But you don’t have to pay any maintenance charges for the first year.

IIFL Securities comes with an amazing reference and earnings offering. I think it’s one of the best referrals and earning apps in India. Any user can earn a good amount of money through the IIFL referral program.

If you invite friends and share your unique referral link, you both will get a referral reward of ₹500. This gift voucher will be sent to you within 7 working days of each successful referral. You can claim within 60 days of having a voucher credit.

Please remember, you will get the IIFL referral reward only when your friend opens a demat account, downloads the IIFL Markets app and starts trading on the app.

  • First of all, download the IIFL Securities app.
  • Open your demat account.
  • Tap on the three lines and then choose the ‘Refer and Earn’ option.
  • Enter your linked mobile number and enter the OTP to login.
  • Now share your invitation link with your friends.
  • Once they open their demat account, you will get a gift voucher of ₹500.

4. 5Paisa

It is also a stock brokerage in India. It charges a flat brokerage fee regardless of size, commodity or trade exchange. It comes with a zero account opening fee and a flat ₹10 per executed order for mutual fund investments. With 5paisa, you can buy direct mutual funds and regular mutual funds. You will also have to pay some AMC charges.

5Paisa comes with three subscription plans. Such as basic pack, power investor pack and ultra trader pack. These plans will help you a lot.

Online stock brokerage company 5Paisa comes with a beautiful referral offer. If you refer to a friend you will earn a brokerage fee of ₹500 (for the first referral) and up to 40% for a lifetime. To refer a friend, you first need to open a 5 paise demat account.

5Paisa referrals have three sections. Such as Star, Elite Club and Pro. If you refer more friends, your referral commission will continue to increase.

  • First, open the 5paisa app.
  • Tap on the ‘User’ option.
  • Scroll down and tap on the ‘Refer and Earn’ option.
  • Copy your 5paisa referral code.
  • Now tap on WhatsApp option and share the referral link.
  • Once your friend completes his profile and opens his demat account, you will get a reward.

5. Zerodha

If you want to start your investment journey online then Zerodha will be the best option for you. It comes with a really good interface for beginners friendly. You can invest your money on Zerodha in stocks, IPOs, F&OS, etc. You can download the Kite by Xerodha app from the Play Store and open a demat account in Zerodha.

You will have to pay a fee of ₹200 for opening a demat account. If you open your demat account offline, you will have to pay ₹400. After opening a demat account in Zerodha you are ready to start investing online.

If you refer to a friend you will earn 10% of the brokerage fee for a lifetime. Investors can withdraw this balance in their bank account.

  • First of all, open the Kite by Xerodha app.
  • Tap on user ID or profile section.
  • Scroll down and then tap on the ‘Invite Friends’ option.
  • Click on the ‘Share’ button.
  • Share your referral link and earn a 10% brokerage commission.

6. Google Pay

We can transfer money in different ways. UPI is one of the best money transfer methods in India. We can easily transfer our money from one bank account to another. Google Pay is one of the most loved UPI money transfer apps in India.

Most of us prefer to transfer money through Google Pay, as we have a chance to earn a scratch card for every transaction of ₹150 or more.

Google Pay also has a refer and earn scheme. This is an evergreen offer from Google Pay or Tez. But it keeps changing its terms and conditions from time to time. Sometimes you will get ₹201, sometimes you will get ₹180 or ₹150 for referral. All your cashback earned through Google Pay will be credited to your primary bank account linked to UPI.

Recently, Google Pay has changed its referral policy. Now you will get ₹150 or sometimes ₹21 for new referrals and ₹21 cash in the bank of the person who joined your link.

  • First of all, download the Google Pay app.
  • Register and link your bank account.
  • Now tap on the profile icon.
  • Click on the ‘Invite Friends, Get Rewards’ option again.
  • Copy your Google Pay referral code and tap Share.
  • Share your Google Pay ref and earn links on WhatsApp and other social media platforms.
  • Once they have registered through your link and made their first UPI payment, you will get ₹150 cashback in the bank. They will also get ₹21 in their bank account.

7. PhonePe

Apart from Google Pay, PhonePe is the most used UPI app in India. In this app, you can make many types of online payments. From bank transfers to investments, gold purchases or in-app purchases, everything is possible through the PhonePe app.

PhonePe comes with a referral offer since its inception. If you refer your friends to join and make UPI payments via PhonePe, you will get cashback.

For a successful referral you will receive ₹125 in your PhonePe wallet. After that, you can easily transfer the balance of your PhonePe wallet to your bank account in a few minutes.

  • First of all, download the PhonePe app.
  • Register and link your bank account.
  • Now tap on ‘Refer and earn ₹125’.
  • Tap on any social media icon and share your invitation link.
  • Once your referenced friend joins your link and makes your first UPI payment, you will receive a cashback of ₹125 in your PhonePe wallet.

8. MobiKwik

MobiKwik is also a payment app. In this app, we can do many things from online money transfer to recharge, bill payment. MobiKwik has recently made changes to its previous referral offer. And now they have relaunched the referral offer with new terms and conditions.

Now, if you refer your friends to MobiKwik and if they start inviting friends then you will get ₹20 cashback in your MobiKwik wallet. In addition, you will earn ₹100 cashback in your wallet, even if you refer your friends to transfer mobikwik wallet to the bank.

But in this case, the minimum transfer amount is ₹2500 or more. Please note that, if you have previously changed your UPI ID on MobiKwik or if you linked your payment bank to MobiKwik, you will know that you have to get cashback.

  • First download the MobiKwik app.
  • Create an account and link your bank account.
  • Now scroll down and search for the ‘Refer and Earn’ option on the ‘Offers for You’ tab.
  • Just copy your invitation link and share it on your social media.
  • You will get ₹20 cashback on making your first UPI payment by your refereed friend.
  • If they add money from your link then you will get a cashback of ₹100.

9. Meesho App

Meesho is known as India’s No. 1 resaleing app. Here you can earn money from referral and reselling products. I have already written an article on this subject. Here you can earn money by reselling products and through referrals.

This post is about ‘Best Refer and Earn Apps in 2022’. So there’s no point in talking about Meesho reselling. The Meesho referral consists of four sections. If you refer your friends to join the Meesho app you will earn 25% of their sales for the next 12 months.

The four segments are Zero Referral, Rising Star, Super Star and Mega Star. Reselling app Meesho claims that you can earn up to ₹50000 in 12 months from the Misho app.

  • First of all, download the Meesho app.
  • Register on this app.
  • Tap on the Account option.
  • And then choose the ‘Refer and Earn’ option.
  • Just select ‘Refer to a friend’ and share your Meesho invitation link.
  • Once your friend joins your link and starts shopping or resale, you’ll get 25% of the sales for the first 3 orders.

10. My11Circle

It’s a fantasy cricket app. In this app you can play fantasy cricket, football and rummy. This app is also known as Sourav Ganguly Fantasy Cricket App or Rummy Circle. In this app you will earn ₹551 cashback directly in your bank account.

If you want, you can play fantasy cricket, football, rummy games on this app. But to earn ₹551 for a referral in a bank, there is no need to play or invest a single rupee. You can only do it through a referral.

You have to complete KYC through your PAN card and bank details. After that, you can withdraw your referral money from the bank account.

The minimum limit for withdrawal is ₹100. You will only get one free withdrawal per month. It will take up to 3-7 days for the amount to appear in your bank account.

  • Download the My11Circle app first.
  • Create an account and complete the profile.
  • Now tap on the ‘Refer and Earn’ section.
  • Link copy or share invitation link on WhatsApp.
  • If your friend plays for the first time, you will get ₹51 in your wallet.
  • After that if they play ₹40 or a total of ₹40, you will get ₹4 in your wallet.
  • This way you can earn ₹4 125 times per friend if they play ₹40 amount 125 times.

11. Groww App

Grow is a mutual fund app. In this app you can buy stocks, mutual funds, digital gold. To refer to the Grow app and earn money from it, you first need to create an account here. After that you can earn money easily by referring from the Grow app.

After signing up through your link and activating your stock account you will get ₹100 for a new referral. The money will be credited directly to both your grow balances.

If you do not make a withdrawal or invest the referral funds, Grow will automatically credit the funds to your linked bank account within some time.

  • First of all, download the Grow app.
  • Register and create your account.
  • After submitting all the details, your account will be activated.
  • Now tap on the profile icon.
  • Scroll down and tap on the ‘Share and Earn Cash Rewards’ option.
  • You can view all your successful and pending invitations on the Brief Details tab of the invitation.
  • After completing the grow account, both of you will get ₹100 in your grow balance.


In today’s post, I told you that Best Refer and Earn Apps in 2022, Refer & Earn se paise kamaye in 2022, etc. We discussed it with you today.

If you liked this article, and you got to learn something by reading this article, then you must comment and tell us.

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