Top 30 Refer and Earn Programs in India – Earn Rewards [2026]

In India, the popularity of refer-and-earn programs is increasing as many people find them a rewarding way to earn extra income. Along with the rising number of mobile phone users, the chances of earning through refer-and-earn programs also grow. With mobile app downloads expected to rise by 25% worldwide, companies are offering high commissions on referrals.

These apps offer an easy way to make money without any upfront investment. Users can earn between ₹10 to ₹1,000 per referral, depending on the app. These can provide instant cash, coupons, or some other rewards. Find a list of the top 30 refer and earn programs in India, explaining how to use them effectively.

What is a Refer and Earn Program?

A Refer and Earn program is a marketing tool that incentivises customers to refer others to a business. By rewarding customers for introducing new members, companies can reach new customers and grow their business. The referral rewards can vary depending upon the company but can include discounts, cash rewards, or other forms of compensation. 

These programs are popular since they offer a win-win situation for the referrer and customer. This is one form of customer acquisition that is gaining popularity among influencer marketers and social media enthusiasts.

Ways To Benefit From Refer and Earn Programs

Refer and Earn programs help businesses grow without high costs. Below are ways sellers can benefit from these programs.

1. Increase Conversions: Referred customers are more likely to buy compared to those from paid ads. Data shows that referral leads convert at twice the rate of traditional marketing methods. This happens because recommendations come from trusted sources, making potential buyers feel more confident in their decisions.
2. Lower Marketing Costs: Advertising is expensive, but referrals eliminate these costs. Instead of paying for paid promotions, businesses can let satisfied customers talk about them. About 76% of people are willing to refer a brand after a good experience, thereby reducing the need for costly ad campaigns.
3. Gain Better Leads: Referrals often bring in people who match the ideal customer profile. These leads are more interested in the brand and more likely to make repeat purchases. Research shows that referred customers buy more than those from other channels and bring in 30%–57% more new buyers.

Top 30 Refer and Earn Programs in India

Here are some of the best “Refer and Earn” programs in India that can be used to gain rewards by referring others. Such programs offer cashback, discounts, and many more, making them an ideal way for users to earn easily.

1. Flipkart Program

Flipkart is one of the largest eCommerce platforms in India, and its Refer and Earn program is very simple. Users can earn commissions or discounts by sharing a unique referral link with their friends, who then sign up and make purchases.

• Open the Flipkart app and find the ‘Invite & Earn’ option.
• Share the referral code with a friend.
• After the friend installs the app and makes a purchase of ₹500 or more, both of you get ₹100 off on a purchase of ₹1000.

2. Amazon Pay Program

Amazon Pay’s referral program rewards users for referring friends who make their first transaction. As a referrer, you earn cashback, while your friend gets welcome rewards.

• Download and register on the Amazon app.
• Link bank account to Amazon Pay.
• Go to Amazon Pay, click “Explore,” and then select “Invite and Earn.”
• Share the referral code with friends and get ₹25 cashback per successful referral.

3. Shiprocket Ambassador Program

Shiprocket is a popular eCommerce shipping and logistics solution that offers a Refer and Earn program – the Shiprocket Ambassador Program. Under this program, users can earn rewards for each successful referral they make to the platform. With its user-friendly interface and a range of features, Shiprocket is an excellent option for businesses looking to streamline their shipping processes.

• Share your unique referral code with potential users.
• After the referee signs up and makes their first recharge, you earn ₹250.
• Additional rewards are available as the referee completes more shipments, up to ₹3000.

4. Ola Referral Program

Ola’s referral program allows users to earn free ride credits when they refer friends. When a friend signs up and takes their first ride, both the referrer and the referee receive ride coupons.

• Open the Ola app and get the referral code.
• Share it via social media or directly with friends.
• Earn a free ride coupon once a friend takes their first ride.

5. Paytm Referral Program

Paytm’s referral program gives a cashback of ₹100 on every successful referral, and after the first UPI transaction from their friend’s side, their friends get the cashback, and a bonus of ₹33 is also provided if three referrals are completed within a single month.

• Open Paytm and go to the ‘Refer and Earn’ section.
• Share the referral link with friends through WhatsApp.
• When a friend completes a money transfer, both of you earn cashback.

6. Meesho Program

Meesho is popular for reselling products, and it also has a referral program. Sellers can earn money by referring new users, who can resell products too. 

• Tap on “Account” and select “Refer & Earn.”
• Find the “Refer a Friend” section and share the invite link.
• Earn 25% of sales for the first three orders placed by referral.

7. Uber Refer Program

Uber offers a refer-and-earn feature to invite friends to join. When they use the app, the referrer earns ride credits.

• Find the refer option to get the referral code.
• Click “Invite Friends” and share the code.
• Earn free rides or discounts when your referral completes their first ride.

8. Mobikwik Refer Program

It offers cashback and rewards when friends sign up and use the wallet. Invest in stocks, make payments, and earn rewards from each successful referral.

• Open the app and find “Refer & Earn.”
• Copy and share the referral link.
• Get ₹50 when a referral signs up and ₹20 when they start referring others.
• Earn ₹100 cashback when your referral transfers money using Mobikwik Wallet.

9. Google Pay Program

Google Pay offers a referral program that rewards users for inviting others to use the app for UPI payments.

• Go to the “Offers & Rewards” section.
• Click on “Referrals” to find the referral code.
• Share and earn cashback on their first UPI transaction.

10. Swiggy Referral Program

Swiggy offers cashback when users invite others to place their first food order. This helps users earn rewards while saving on future orders.

• Tap on your profile icon on the app.
• Select “Refer & Earn Program.”
• Share and get ₹50 cashback when they complete their first order.

11. PhonePe Referral

PhonePe is a digital payment platform that allows users to make various transactions, such as UPI-based transactions, bills, and other services, and earn cashback by bringing new users onto the app.

• Choose a sharing option and send the referral link.
• The referred person must sign up and complete a UPI transaction.
• After the first transaction, the referrer earns cashback.

12. Airtel Refer Program

Airtel provides referral rewards across services like broadband, postpaid, and DTH. Users can earn up to ₹300 per referral, except for prepaid, where the reward is ₹100.

• Download the Airtel Thanks app.
• Tap the profile icon and select “Refer A Friend & Get ₹300.”
• Share the invite link through SMS or WhatsApp.
• When the referral purchases, both users receive the reward.

13. 5paisa Referral

5paisa offers a referral program where users can earn up to ₹500 per referral and lifetime brokerage benefits. It is an investment platform for trading in stocks, mutual funds, and commodities.

• Share the referral link or code from the app.
• The referral must open a Demat account.
• Once done, the referrer gets the reward.

14. Upstox Refer Program

Upstox is a stock trading platform that provides ₹200 per successful referral. Users can also earn ₹100 when the referred person invests.

• Create an account on the Upstox app.
• Go to the dashboard and generate a referral link.
• Share the link with friends.
• The referral must open an account to unlock rewards.

15. PharmEasy Referral Program

PharmEasy provides an easy way to earn rewards. Users earn credits that can be used to purchase medicine or perform diagnostic tests.

• Sign up for a PharmEasy account.
• Generate and share the referral link.
• After successful registration, the referrer earns credits.

16. CRED Referral Program

CRED offers an excellent referral program for users who manage their credit card payments through the app. 

• Register on the CRED app.
• Share the referral link with others.
• For every 10 successful referrals, earn rewards like Uber vouchers, Flipkart gift cards, Amazon vouchers, or cashback.

17. Zerodha Referral Program

Zerodha, one of the leading stock trading platforms, rewards users for referring friends. When a referral signs up and starts trading, the referrer earns 10% of the brokerage fees they pay.

• Open the Kite app and log in with your Client ID.
• Tap on ‘Invite Friends’ under the menu.
• Share the referral link to start earning rewards.

18. MakeMyTrip Program

MakeMyTrip is a popular platform for booking flights, hotels, and more. The referral program allows users to earn MyCash and coupons to complete bookings.

• Open the app and go to the ‘Refer & Earn’ section.
• Share the referral code with friends.
• When a friend makes a booking, the referrer earns MyCash, and they get discounts.

19. IIFL Securities Program

IIFL Securities is a full-service stockbroker that lets users earn up to ₹500 for each successful referral.

• Download the IIFL Markets app and log in.
• Go to the refer section.
• Share the unique referral link with your contacts.

20. EarnEasy Referral Program

EarnEasy offers a simple way to make money by completing tasks. Their referral program allows users to earn ₹15 for every person they refer.

• Install the EarnEasy app and register.
• Get the referral code from the app.
• Share your referral link and earn money when others join.

21. Winzo Refer Program

Winzo is an engaging game app that offers wonderful challenges and tournaments. Players can also earn rewards by simply referring friends to participate in these challenges.

• Open the app and click the “Refer” tab.
• Choose “Winzo Superstar” and register.
• Share the unique referral code with friends.

22. Lenskart Referral

Lenskart offers a great referral program for those who love shopping for eyewear. By referring friends to make a purchase, both of them can get exclusive benefits.

• Open the Lenskart app.
• Go to the ‘Connect & Earn’ section.
• Copy your referral code.
• Share it with friends to make a purchase

23. Groww Refer Program

Groww is a popular investment app, and its referral program lets users earn money by inviting others to invest. For each friend who signs up and completes their KYC, the referer can earn ₹25.

• Open the Groww app and go to ‘Refer & Earn.’
• Share the referral link with interested people.
• Once their account is activated, both receive the reward.

24. Zupee Referral Program

Zupee allows users to play competitive quizzes on sports, math, and Bollywood subjects. When they make their first deposit, users can earn up to ₹100 by referring others.

• Open the refer option in the Zupee app.
• Copy and share the referral code.
• New users get a welcome bonus upon signing up.

25. Dream11 Referral

Dream11 is one of India’s most popular fantasy sports apps. Users can refer friends to join and participate in fantasy sports contests. By doing so, both can earn rewards.

• Log in to the Dream11 app.
• Click on your profile icon.
• Select the ‘Refer & Earn’ option.
• Tap ‘Invite Now’ and share your referral link.

26. OYO Refer Program

OYO’s referral program offers OYO Rupees, which can be redeemed for bookings for bringing in new users. OYO Rupees can be used fully for bookings up to ₹2000.

• New users get ₹300 OYO Rupees for signing up with a referral code.
• Referrers earn ₹350 when the invited user checks out within 7 days.
• After two successful referrals, referrers get ₹700 OYO Rupees.

27. Nykaa Referral

Nykaa provides cashback for referring beauty product buyers. Users can earn through shared product links.

• Users must share products worth ₹250 or more.
• If a friend buys using the shared link, both get ₹10 cashback.
• Cashback is added instantly to the Nykaa Wallet.

28. My11Circle Referral

My11Circle rewards referrals with real cash, unlike many fantasy sports apps that give only bonuses.

• Users must create a profile.
• By sharing the referral link, referrers can earn ₹551.
• When the invited user plays for the first time, they get ₹51.
• A ₹100 cash bonus is credited after using the referral code.

29. ySense Refer Program

ySense, a global online community offers a continuous income stream through its referral program. Users can earn a percentage of their referrals’ earnings.

• Users receive a 30% recurring commission from their referrals’ earnings.
• The referral link is available on the ySense dashboard.
• The income grows as referrals complete surveys and tasks.

30. BigBasket Referral

BigBasket’s program rewards referrals by offering discounts on grocery purchases. Users can benefit from increased referrals.

• New users must sign up using a referral code.
• Both the referrer and referee receive ₹50 after the first order.
• The referral bonus is credited after the first order is delivered.

Tips on How to Use Refer and Earn Programs

To make the most of Refer and Earn programs, sharing the product or service with people most likely to be interested in it is essential. This means targeting your referrals to friends, family, and colleagues who are likely to benefit from the product or service.

As a reasonable practice, it is good to carefully read the terms and conditions of the program to ensure that you understand how the rewards are earned and how they can be redeemed.

Conclusion

Refer and Earn programs are a popular marketing tool that benefits both the company and the customer. By encouraging customers to refer new customers, companies can reach new audiences, increase sales, and build brand awareness. 

At the same time, customers can earn rewards simply by sharing products and services they love with their network. With the top 30 Refer and Earn apps in India outlined in this article, you now have the information you need to take advantage of these programs.