Top 8 Refer & Earn Apps in 2025 That Actually Pay!

[{"selector":"#anim-ed4a8399-85e8-458a-bbfa-2bb0421ba36d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ca43bbe-262b-4e35-a952-4bd4175c7b35","keyframes":{"transform":["translate3d(-115.50632%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2900debe-6327-4eba-b24e-1d43bda5ec3e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Want to earn money just by inviting friends? These 8 refer & earn apps in 2025 actually pay—and require zero investment to get started! Earn 1 Lakh Online

Google Pay – ₹150/Referral

[{"selector":"#anim-82592670-b267-4588-9193-f91a43764586","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-899c3041-6262-464f-83ab-ea785a64c087","keyframes":{"transform":["translate3d(-286.66671%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ad227588-863d-440b-a015-dc2feecb20e8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c578e44c-26d3-4274-ad56-a0825909fa74","keyframes":{"transform":["translate3d(114.51613%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-29e35c93-9ed3-4ad8-8c53-a98ef2bfb561","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0ce8ad7d-8564-4831-8f84-6149afcf71bb","keyframes":{"transform":["translate3d(-120.19868%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d15150e-2eba-478f-9d0a-892ce5c5f596","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-022bfb92-c7a4-4a2e-9c6b-b4cb1d9512ed","keyframes":{"transform":["translate3d(1868.42128%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-036b1bde-c1a7-4178-8e74-d367be802741 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-1.0658141036401503e-14%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] 1 Invite friends to Google Pay and earn ₹150 when they make their first payment. Simple, secure, and widely used across India Earn 1 Lakh Online

PhonePe – ₹150/Referral

[{"selector":"#anim-98ae681e-22ab-46d4-a9bf-9c9ddf6a0bb2","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dcf2e015-3102-448b-bbd0-b8a0d1b8898b","keyframes":{"transform":["translate3d(-280.00014%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b07b75b2-a3f6-4ea8-8da0-61008e381d7e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dcda332d-54e6-4c4c-841b-3d6b190166c5","keyframes":{"transform":["translate3d(103.17003%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c4a9d052-6cf5-48de-9542-6d6b86e85f46","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-775ba889-6e13-4c07-911e-2a19130f2284","keyframes":{"transform":["translate3d(-118.23899%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-63148e67-3a5e-4bc6-90b1-a30cc29324d3","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7056e90d-048f-43c9-aaca-d4045194c011","keyframes":{"transform":["translate3d(1873.68447%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5959e7fb-4e0d-4a8c-a768-33b205ba00a8 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(25%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] 2 PhonePe offers ₹150 per referral when your friend signs up and completes a transaction. Great for UPI and bill payments Earn 1 Lakh Online

Upstox – ₹600/Referral

[{"selector":"#anim-58a1074e-704d-4221-a335-4b3621659ad1","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-27baeb85-1e28-4505-a01e-13fb3219ff53","keyframes":{"transform":["translate3d(-260.00014%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-004c2d51-db74-4e28-874b-38ab71bcbdc8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b753c10f-6de7-4b5c-a780-ed8ccc1551a8","keyframes":{"transform":["translate3d(114.4654%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-74a50cdd-c87f-4d7b-8702-c4ee1678efcd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7bd766a7-0b6c-4725-85fa-62c95c507db9","keyframes":{"transform":["translate3d(-115.58442%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-60b3820a-eea0-4489-af0c-13c4d8ce3854","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b472d0b6-7891-417c-bf9a-9ed69adfc96a","keyframes":{"transform":["translate3d(1894.73702%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d60de250-7ede-45dc-8bdf-7ec2bc45060d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] 3 Refer friends to open a demat account on Upstox and earn up to ₹600 per ref erral. Ideal for those into stock trading Earn 1 Lakh Online

CRED – ₹100/Referral

[{"selector":"#anim-f28fd97b-d613-4da0-8ffc-bc9a548f642c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0861d892-c6d9-49e4-8cfa-3377bb72e48f","keyframes":{"transform":["translate3d(-250.00007%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5a2e93cb-4b25-4774-8c04-3b60500dfae6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-113ab75a-dcee-4046-9ab0-77bbb3d7b30c","keyframes":{"transform":["translate3d(113.39563%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0c436347-9dab-4c60-bd7f-75ce5d5dca7e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-928e5e58-547e-468a-8bdd-e8c2a2f7f89a","keyframes":{"transform":["translate3d(-116.61342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6361dadc-69cc-4999-9926-cc2f98298b7e","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2871f4c7-7e4e-47b6-85bc-15a2fd501237","keyframes":{"transform":["translate3d(1900.00022%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6158ccb7-7f5c-4b9e-b9a6-6e877a1475cc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] 4 CRED rewards you with ₹100 when your friend joins and pays a credit card bill. Bonus: both you and your friend benefit Earn 1 Lakh Online

My11Circle – ₹551/Referral

[{"selector":"#anim-471a72bd-0090-4ff7-8676-243947b97342","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b232d6c0-f2f8-40c4-a190-6b7346adf7a7","keyframes":{"transform":["translate3d(-286.66671%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-26f039b3-4b53-4a90-8763-00385303d2c5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fee23fe6-51cc-4275-9a9e-30e1cb02c03a","keyframes":{"transform":["translate3d(112.65823%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-320b2704-f21e-4c91-a807-8a0be4a6a96e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-92b8f8dd-f9f1-4678-90e1-8090f6c656ae","keyframes":{"transform":["translate3d(-117.72151%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c968d2a5-792f-4de8-9608-c9c56821659b","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-434f6581-5f43-48d9-9a14-0eac12081c21","keyframes":{"transform":["translate3d(1863.15809%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a052fc4-33b6-4143-80b0-430d019c70b4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(7.105427357601002e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] 5 Love fantasy cricket? Refer friends to My11Circle and earn ₹551 when they join and play. Great for sports fans Earn 1 Lakh Online

EarnKaro – Lifetime Earnings

[{"selector":"#anim-b22b5a57-72c8-4cd3-8d90-5819102d849f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1e2a5125-0c5c-413e-8651-41515c46cd08","keyframes":{"transform":["translate3d(-253.33342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4a2ec46a-1a6d-4d0a-a7be-c045aa8d1982","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7917d57e-bad7-47fb-ba3c-416977fbc8ad","keyframes":{"transform":["translate3d(111.38461%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bf857ecb-e6f8-4059-bc8c-30573ec68b5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b1151b46-3772-4695-a4b8-d27a67bafd03","keyframes":{"transform":["translate3d(-115.72327%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1f355a8d-8ca4-4b7c-8ec2-33e14111eba3","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bcfb16bd-e49a-44ae-a093-1e7a542dbb7f","keyframes":{"transform":["translate3d(1905.26341%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9e461283-5083-4b83-9640-d2d05ed9a607 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] 6 EarnKaro gives you 10% of your network’s earnings for life. Share deals, earn commissions—perfect for affiliate beginners Earn 1 Lakh Online

Paytm Money – ₹300/Referral

[{"selector":"#anim-277c95e4-9875-4840-8789-d0f6ccafe8dc","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7d12a5c5-a701-4651-a566-f5d5ef96b1a0","keyframes":{"transform":["translate3d(-253.33342%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e5d048f-d56c-4b44-812f-a5caf7a0a9b8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de8f0aab-6ccd-43e5-b369-58caa4ee97c4","keyframes":{"transform":["translate3d(119.73683%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-33a9c42b-5baa-4e93-8c1d-8ff30b6cc9c8","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ce00510-8f13-46ec-9db4-262b5c88fbc9","keyframes":{"transform":["translate3d(-114.46541%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-754725ad-c8c1-483d-8afa-c8942d8e57e9","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4dded9c9-0f83-47ca-8edd-c27fc0c9f294","keyframes":{"transform":["translate3d(1905.26341%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-07d6b806-5c06-4d0d-b676-ecb84490a042 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] 7 Refer friends to invest via Paytm Money and earn ₹300 per successful signup. Works for mutual funds, stocks, and more Earn 1 Lakh Online

TaskBucks – ₹750/Referral

[{"selector":"#anim-53d0ca8d-9e4b-4b84-9553-79e0fbbda3d3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":4000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-91b23c88-ef26-4809-96a9-d6d1b713aa18","keyframes":{"opacity":[0,1]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c83dc9a0-08da-4490-b285-c0e591acebb7","keyframes":{"transform":["translate3d(-260.00014%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ba861c7-e11a-4b9a-aae0-35f4267d3c84","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b17a2be4-0f6e-4a4f-a204-387a407a250d","keyframes":{"transform":["translate3d(119.73683%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-48e6fa99-e32a-4afb-9af3-7ee3b9aa4413","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7228e37f-7bf4-41cb-8c27-948dad3027d3","keyframes":{"transform":["translate3d(-114.46541%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5afed1a2-1fae-49f2-bc00-d30061d20189","keyframes":{"opacity":[0,1]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-87f04cbb-fda3-44f1-8ff6-ea6697ccb149","keyframes":{"transform":["translate3d(1905.26341%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":50,"duration":1600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] 8 TaskBucks offers up to ₹750 per referral for completing tasks, surveys, and app installs. Great for students and side hustlers Earn 1 Lakh Online