Top 15 Refer & Earn Apps in 2025: Earn Money Without Investment | Best Cashback & Bonus Apps

In the digitalized world of today earning side by income has become very easy. Now one can easily earn from wherever they are using their phones and I am wondering how this is even possible! Well, now one can easily earn by using refer and earn apps on their mobile phones. The refer and earn apps enable the users to earn by simply referring the app to their friends and family and encouraging them to use the app. What makes using this app a hassle-free task is that it requires no upfront investment. This makes the apps easy and useful for the other users as well.

How Do Refer and Earn Apps Work?

The refer and earn apps are platforms that offer incentives to users for promoting their services. In the app whenever the user refers the service to their friends and family and the person downloads and signs up on the app using the given referral code both the user and the person earn money. Additionally whenever someone performs a specified task using the referral code both the referrer and new user earn interactive rewards. The rewards offered can be in the form of cash bonuses, discount vouchers, or additional in-app feature benefits.

What Are The Different Types of Refer and Earn Apps

The refer and earn apps are available in multiple formats and can be categorized based on the types of features and services they offer. Here is a classification of the apps:

Cashback apps: These apps offer users cashback for every payment purchase that they make and even support digital payments. These apps allow users to also earn through referral programs. The cashback apps include Google Pay and phonepe.

Investment: These apps allow users to invest their money and boost their finances. These apps also offer rewards for users who bring about new customers. The investment apps include Upstox and Groww.

Shopping: These apps allow users to sell and resell their products and earn through commissions, bonuses, and referral programs. The shopping apps include Meesho and Amazon.

Gaming: These apps allow users to earn by participating in the games, its tournaments, and challenges. Additionally the apps also enable users to earn through referral programs.The gaming apps include Winzo, My11Circle.

Survey These apps allow users to earn by participating in surveys and also enable them to earn bonuses through referrals. The survey apps include Google opinion rewards.

Top 15 Refer and Earn Apps Without Investment

1. Amazon Pay

Amazon is one of the largest e-commerce online stores. The store offers Amazon Pay through which users can make payments for shopping online. Apart from enabling payments, the app is one of the best refer and earn apps that offers points for every referral. The app also offers cashback rewards for purchasing an item from the app. The app gives Rs 75 payback in an Amazon Pay account when one introduces a friend to Amazon Pay and uses the link to sign up. 

• App Name: Amazon Pay
• App Size: ~50MB
• Rating: 4.3/5
• Downloads: 100M+
• Share Bonus: Rs 75 per referral
• Launch Date: 2016
• Available On: Android, iOS

2. CRED

Cred is an app that allows users to make payments for purchases with credit cards. The app allows users to monitor and track all credit card transactions. The app is available for free download on smartphones. With cred, users can receive multiple benefits for also making on-time credit card payments in the form of rewards and exclusive offers. On cred, users can earn up to Rs 100 per successful referral and the referral codes can be discounts, vouchers, or cashback. The offers rewards in the form of Uber vouchers, Flipkart gift cards, and Amazon vouchers.

• App Name: CRED
• App Size: ~60MB
• Rating: 4.6/5
• Downloads: 10M+
• Share Bonus: Up to Rs 100 per referral
• Launch Date: 2018
• Available On: Android, iOS

3. My11Circle

Are you interested in playing in a fantasy sports game? You can play rummy, football, cricket, and other fantasy sports on My11Circle. When one uses the app one gets Rs 551 as cashback in the account. In the app, players can create their teams to participate in the matches. The app is a refer-and-earn app that allows players to earn bonuses through referrals. The players can withdraw their earnings through bank transfers.

• App Name: My11Circle
• App Size: ~70MB
• Rating: 4.2/5
• Downloads: 10M+
• Share Bonus: Rs 551 cashback + referral bonuses
• Launch Date: 2019
• Available On: Android, iOS

4. Google pay

Google Pay is a digital payment app that allows users to receive money and make transactions through digital payment. The app also offers a referral program through which the users can earn up to Rs 150 per successful referral. The app also offers several cashback and lucrative gifts for every successful online transaction made. The app offers scratch cards for transactions that have cashback and interesting rewards.

• App Name: Google Pay
• App Size: ~40MB
• Rating: 4.3/5
• Downloads: 500M+
• Share Bonus: Up to Rs 150 per referral
• Launch Date: 2015
• Available On: Android, iOS

5. Upstox

Upstox is a refer-and-earn app that offers users an investment platform. The users earn high referral bonuses of Rs 600 per every successful referral made to encourage others to open trading accounts on the app. The app offers stock trading and investment options.  It additionally allows users to invest in mutual funds and commodities.

• App Name: Upstox
• App Size: ~30MB
• Rating: 4.4/5
• Downloads: 5M+
• Share Bonus: Rs 600 per referral
• Launch Date: 2011
• Available On: Android, iOS

5. Phonepe

PhonePe is a well-known online payment app. The app is also popular for its refer and earn programs. In the app, the players can earn up to Rs 150 bonus for every successful referral made. The users also earn additional rewards whenever a referred friend makes transactions using PhonePe’s UPI platform.

• App Name: PhonePe
• App Size: ~50MB
• Rating: 4.5/5
• Downloads: 500M+
• Share Bonus: Up to Rs 150 per referral
• Launch Date: 2015
• Available On: Android, iOS

6. MobiKwik

MobiKwik is a well-known refer and earn app that allows users to invest in digital gold, stocks, and mutual funds. The app allows users to make online bank transfers and bill payments. In the app, users get Rs 50 as a signup bonus and Rs 20 as a referral bonus. Additionally, if users refer their friends to transfer money through MobiKwik wallet to their banks the get Rs 100 payback in their wallet.

• App Name: MobiKwik
• App Size: ~35MB
• Rating: 4.2/5
• Downloads: 50M+
• Share Bonus: Rs 50 signup + Rs 20 referral bonus
• Launch Date: 2009
• Available On: Android, iOS

7. Meesho

Meesho is a well-known e-commerce platform that allows users to resell their goods and engage in online business without any investment. The app also runs a refer-and-earn program in which the users can earn up to Rs 1000 for every successful referral made.

• App Name: Meesho
• App Size: ~40MB
• Rating: 4.3/5
• Downloads: 100M+
• Share Bonus: Up to Rs 1000 per referral
• Launch Date: 2015
• Available On: Android, iOS

8. Winzo

Winzo is a refer and earn gaming platform that offers lucrative cash rewards for playing games. The app offers a referral bonus of Rs 50 for every successful signup. The app also allows users to boost their earnings through referrals participating in paid contests.

• App Name: Winzo
• App Size: ~60MB
• Rating: 4.4/5
• Downloads: 10M+
• Share Bonus: Rs 50 per referral
• Launch Date: 2018
• Available On: Android

9. Bigcash

Bigcash is a refer and earn gaming app in which the players can play card games, rummy, and participate in fantasy sports. The app offers Rs 100 for referrals for every new user.

• App Name: Bigcash
• App Size: ~50MB
• Rating: 4.1/5
• Downloads: 5M+
• Share Bonus: Rs 100 per referral
• Launch Date: 2019
• Available On: Android

10. Batball11

Batball11 is another fantasy gaming refer and earn platform. The app offers several fantasy sports game levels each offering interactive offers and features. The app also offers a Rs 50 welcome bonus and enables users to make withdrawals through banks and Paytm. 

• App Name: Batball11
• App Size: ~45MB
• Rating: 4.0/5
• Downloads: 1M+
• Share Bonus: Rs 50 welcome bonus + referrals
• Launch Date: 2020
• Available On: Android

11. 5Paisa

5Paisa is an investment app that runs a refer and earn program. The app bills a single flat brokerage cost irrespective of the product, its size, and trading venue. The offers a Rs 500 referral bonus and a lifetime brokerage fee of up to 50%. Using the app one can create a demat account which enables traders to also make transactions through stocks, commodities, and currencies.

• App Name: 5Paisa
• App Size: ~30MB
• Rating: 4.3/5
• Downloads: 5M+
• Share Bonus: Rs 500 referral bonus
• Launch Date: 2016
• Available On: Android, iOS

12. TaskBuck

Taskbuck is a refer-and-earn platform that allows users to earn money not only through referral bonuses but also by completing simple tasks. The app offers simple tasks such as downloading apps and taking surveys. The app offers up to Rs 750 in referral rewards.

• App Name: TaskBuck
• App Size: ~25MB
• Rating: 4.0/5
• Downloads: 500K+
• Share Bonus: Up to Rs 750 referral rewards
• Launch Date: 2018
• Available On: Android

13. EarnKaro

EarnKaro is a refer-and-earn app that allows users to earn without making an upfront investment. The app allows users to share product links and earn commissions on making successful purchases. The app collaborates with brands like Flipkart, Ajio, and Myntra shi h boosts the earnings of the users.

• App Name: EarnKaro
• App Size: ~35MB
• Rating: 3.7/5
• Downloads: 1M+
• Share Bonus: Commissions on purchases
• Launch Date: 2019
• Available On: Android, iOS

14. Pocket Money

Pocket Money is an app that allows users to earn through a refer and earn program. The app offers users opportunities to earn through cashback, mobile recharges, and cash rewards for completing tasks. The users can earn up to Rs160 per referral.

• App Name: Pocket Money
• App Size: ~30MB
• Rating: 4.1/5
• Downloads: 1M+
• Share Bonus: Up to Rs 160 per referral
• Launch Date: 2017
• Available On: Android

15. Google Opinion Rewards

Google Opinion Rewards is a well-known survey app that offers users a refer and earn program. The app offers users rewards through Google Play credits by answering short surveys. The app offers lucrative referral bonuses for people who sign up and for completing their first survey.

• App Name: Google Opinion Rewards
• App Size: ~10MB
• Rating: 4.3/5
• Downloads: 50M+
• Share Bonus: Referral bonuses + survey rewards
• Launch Date: 2013
• Available On: Android, iOS

Key Features of Refer and Earn Apps

1. No Investment Required: Most apps allow users to earn without any upfront payment.
2. Multiple Earning Options: Earnings through referrals, cashback, surveys, and tasks.
3. Secure Withdrawals: Withdrawals via UPI, Paytm, or other trusted payment methods.
4. Wide Availability: Most apps are available on both Android and iOS platforms.
5. User-Friendly Interface: Easy-to-use apps with simple referral processes.

Key Features of Refer and Earn Apps

1. No Investment Required: Most apps allow users to earn without any upfront payment.
2. Multiple Earning Options: Earnings through referrals, cashback, surveys, and tasks.
3. Secure Withdrawals: Withdrawals via UPI, Paytm, or other trusted payment methods.
4. Wide Availability: Most apps are available on both Android and iOS platforms.
5. User-Friendly Interface: Easy-to-use apps with simple referral processes.

Conclusion

Refer and earn apps allow users an easy way to earn passive income without any investment. These apps offer referral programs that allow users to select the choicest earning method from the various options given. These apps prove to be a hassle-free way of earning money. Which apps are you opting for? Let us know in the comments below.