5 Best Refer and Earn UPI Apps: Earn Free Cash Online
Unified Payments Interface is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. The interface is regulated by the Reserve Bank of India and works by instantly transferring funds between two bank accounts on a mobile platform.
Earn free money online with the refer and earn offers of the top UPI apps. Here are the 5 best Refer and Earn UPI Apps. Check out these apps and start earning money online.
UPI Apps
| App Name | Cashback Per Referral |
| Google Pay Refer & Earn | INR 101 |
| PhonePe Refer & Earn | INR 150 |
| Paytm Refer & Earn | INR 100 |
| Amazon Pay Refer & Earn | INR 31 |
| MobiKwik | INR 20 |
1, Google Pay
Google Pay is a safe, simple, and helpful way to manage your money, giving you a clearer picture of your spending and savings: – Pay at your favorite places. – Send and receive money instantly. – Earn rewards for everyday payments. – Understand your spending & improve your financial health.
How to Earn with Google Pay App
- Download Google Pay app
- Register using mobile number & password.
- Create your unique UPI id.
- You will receive 101 Rs cashback after linking bank account to Google Pay.
- Now open left sidebar > click on “invite & earn” option.
- There you will get your referral link like
- Send it to your friends who are new to Google Pay
- Ask them to download the app through your link only
- When your friend does any transaction through Google Pay for the first time, you get referral cashback in PhonePe wallet.
Note: Join me on Google Pay, a secure app for money transfers, bills and recharges. Enter my code k5hk32 to earn ₹21 back on your first payment!
2, PhonePe
PhonePe is a payments app that allows you to use BHIM UPI, your credit card and debit card or wallet to recharge your mobile phone, pay all your utility bills and also make instant payments at your favourite offline and online stores. You can also invest in mutual funds and buy insurance products on PhonePe.
Link your bank account on PhonePe and transfer money with BHIM UPI instantly! The PhonePe app is safe and secure, meets all your payment and banking needs, and is much better than Internet banking.
- Download PhonePe app
- Register using mobile number & password.
- Create your unique UPI id.
- You will receive 101 Rs cashback after linking bank account to PhonePe.
- Now open left sidebar > click on “invite & earn” option.
- There you will get your referral link like
- Send it to your friends who are new to PhonePe
- Ask them to download the app through your link only
- When your friend does any transaction through PhonePe for the first time, you get referral cashback in PhonePe wallet.
Note: Hey, PhonePe has made payments from home easy for me. You should try it too. It’s instant & 100% Safe. You can send money, recharge, pay all your bills & do much more without stepping out.
3, Paytm
Paytm (पेटीएम), India’s #1 Payment App, trusted by 45 Crore+ Indians. Download Paytm app for bank to bank money transfer via BHIM UPI & instantly pay at shops & at online websites/apps like IRCTC, Flipkart, Uber, Zomato and Swiggy. Use Paytm for mobile recharge, Fastag recharge, DTH recharge, Movie Tickets, Postpaid bill payment, Utility bill payment such as Water, Gas & Electricity bill payment as well as Landline, Broadband & insurance payments. Invest in Mutual Funds, Digital gold & NPS, avail insurance, check free CIBIL credit score & get instant cash via Paytm postpaid. Make IRCTC train booking, book flights, & buses in just a few taps.
- Download paytm app
- Register using mobile number & password.
- Create your unique UPI id.
- You will receive 100 Rs cashback after linking bank account to paytm.
- Now open left sidebar > click on “invite & earn” option.
- There you will get your referral link like
- Send it to your friends who are new to paytm
- Ask them to download the app through your link only
- When your friend does any transaction through paytm for the first time, you get referral cashback in paytm wallet.
Note: Make your life easier with Paytm! Send Money, do Recharges & Bill Payments & Pay at any Shop securely & instantly from your Bank A/c! Get up to ₹100 cashback on any 1st Payment made from any Bank A/c.
4, Amazon Pay
The Amazon app conveniently allows you to shop and pay across a wide selection of products and categories at great prices, all within a single app. Shop mobiles, electronics, fashion, household items & more with the online shopping app. Pay for flights, bills and make payments easier with Amazon Pay, and conveniently order your groceries for home delivery with Pantry and Amazon Fresh. Play games and win prizes every day.
Amazon Pay
Payments made easier: Send money to friends & family with Amazon Pay UPI easily through your phone contacts or invite them to send money and earn rewards.
Pay on delivery: Load cash instantly into your Amazon Pay wallet at your doorstep and enjoy the convenience of one-click easy payments, faster refunds and no hassle of finding exact change
UPI:Make faster & safer online payments with Amazon Pay UPI and pay directly from your bank account for online shopping, recharges, bill payments; including mobile phone, gas & electricity, flight bookings and more.
Amazon Pay is safe, secure and supported by govt. of India.
- Download Amazon Pay app
- Register using mobile number & password.
- Create your unique UPI id.
- You will receive 101 Rs cashback after linking bank account to Amazon Pay.
- Now open left sidebar > click on “invite & earn” option.
- There you will get your referral link like
- Send it to your friends who are new to Amazon Pay
- Ask them to download the app through your link only
- When your friend does any transaction through PhonePe for the first time, you get referral cashback in Amazon Pay wallet.
5, MobiKwik
MobiKwik is a Truly Indian payments app which gives you a credit line or loan (up to Rs 50,000) for making online payments.
You can use MobiKwik in two ways :
1) Link any bank account via UPI on this app to make payments.
2) You can also use credit (called Zip) at 0% interest and settle the bill after 15 days at no extra charges !
MobiKwik works like your online credit card ! Your limit depends on your usage – more you use, more is your credit limit.
MobiKwik can be used for paying for Recharge, Bill payments, IRCTC, Zomato, Swiggy and more. Unlike other payment apps, MobiKwik data is secure and kept in India. Just signup using your mobile number and get started !
- Download MobiKwik app
- Register using mobile number & password.
- Create your unique UPI id.
- You will receive 101 Rs cashback after linking bank account to MobiKwik.
- Now open left sidebar > click on “invite & earn” option.
- There you will get your referral link like
- Send it to your friends who are new to MobiKwik
- Ask them to download the app through your link only
- When your friend does any transaction through PhonePe for the first time, you get referral cashback in MobiKwik wallet.
Note: Hey, I love how instant and secure MobiKwik UPI is. You should also give it a go! Make your first UPI transfer & get Rs. 20 assured Cashback. Let’s go vocal for local together with MobiKwik, a Truly Indian payments app!
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