Highest Paying Best Refer and Earn Apps

Do you have a close-knit network of family or friends? If so, you’re in a prime position to capitalize on an exciting opportunity to boost your income.

In the pursuit of online earning avenues, particularly for those seeking additional financial resources, the landscape can often appear daunting. However, the emergence of refer and earn apps presents a compelling solution.

So, what exactly do these apps entail?

Refer and Earn apps offer a distinctive avenue for individuals to earn money by simply recommending them to others within their social circles. The earning potential inherent in these apps varies, affording users the flexibility to select the platform that aligns most closely with their specific needs and aspirations.

Why do Referrals Work so Well?

Referrals are highly effective due to their reliance on trust and personal connections. Satisfied customers are inclined to refer others, incentivized by rewards provided by companies. Here are the key factors contributing to the efficacy of referral marketing:

1. Targeted Approach: Referral programs often tailor marketing efforts directly to users, engaging them on a personal level. This personalized approach can lead to widespread recognition and significant conversions within a short timeframe.

2. Social Proof: Recommendations from individuals who have firsthand experience with a product hold immense persuasive power. Referral marketing leverages this social proof to influence a broader customer base.

3. Harnessing Social Media: With the widespread use of social networks, referral marketing taps into these platforms to reach potential customers. Over the past decade, the rise of influencers has further amplified the reach and impact of referral programs.

4. Quality Clientele: Research indicates that customers acquired through referrals tend to exhibit higher levels of brand loyalty. These clients are more likely to make repeat purchases and remain engaged with the product over extended periods.

How to Refer and Earn from App?

Step 1: Obtain Your Unique Code: Begin by downloading the app and acquiring your distinctive referral code or link.

Step 2: Share with Friends: Spread the word among your network by sharing your code/link via messages, social media, or other preferred channels.

Step 3: Friends Sign Up: When individuals use your code/link to register on the app, they become your referrals.

Step 4: Earn Rewards: You start accumulating rewards whenever your referred friends make purchases or complete specific tasks within the app.

Step 5: Friends Receive Benefits: Your friends also receive referral bonuses or discounts for signing up through your referral.

Step 6: Refer More, Earn More: Your potential rewards increase as you refer more friends to the app.

Step 7: A Mutual Benefit: This system is advantageous for both you and your friends as you engage with the app together.

Step 8: Follow App Guidelines: Certain apps may have specific rules, such as a minimum purchase requirement, to qualify for rewards.

1. Upstox – Your gateway to seamless trading and rewarding referrals.

Upstox serves as a versatile trading platform catering to the needs of investors engaged in stock and mutual fund transactions across the Indian financial landscape.

Alongside its core functionalities, Upstox boasts a referral program, allowing users to earn rewards by sharing their unique referral codes with friends and acquaintances.

This referral system has garnered widespread acclaim as one of the leading ‘refer and earn’ applications in India.

Advantages of the Upstox App:

  • Competitive brokerage fees
  • Intuitive and user-friendly trading interface
  • Access to margin trading facilities
  • Robust customer support services
  • Diverse array of tradable assets
  • Comprehensive research and analysis tools
  • No charges for online account opening
  • Support for advanced order types
  • Effortless account opening process.

Drawbacks of the Upstox App:

  • Limited availability of unlimited monthly trading plans
  • Absence of margin funding options for delivery trades
  • Lack of stock tips or recommendations
  • Unlike some competitors like Zerodha and Fyers, Upstox does not offer free delivery trading
  • No physical branch locations
  • Absence of dedicated personal relationship managers.

2. CRED – Your gateway to exclusive rewards through seamless referrals.

CRED emerges as an exclusive credit card bill settlement application, available solely to members, incentivizing punctual bill payments and presenting exclusive deals and perks.

It facilitates the management of multiple credit cards and furnishes users with insightful credit score analyses, accessible solely through invitation from existing members.

Through its referral program, users stand to earn rewards up to ₹1,000 for successful recommendations, with the referred members receiving ₹250 upon payment.


  • Facilitates swift access to funds during exigencies
  • Offers competitive interest rates
  • Bestows significantly generous credit limits
  • Augments the likelihood of credit card and loan approvals


  • Absence of reward point incentives for users
  • Incurs relatively higher charges for CRED transactions.

3. EarnKaro – Monetize your network effortlessly while unlocking boundless earning potentials.

EarnKaro emerges as India’s premier affiliate marketing app, offering effortless earnings through promoting the latest deals. Users stand to earn up to ₹30,000 monthly by sharing deals from renowned sites like Myntra, Flipkart, and Ajio.

The app presents an avenue for profiting by referring friends and family, offering a flat 10% commission for a lifetime on referrals’ earnings.


  • User-friendly website interface
  • Diverse selection of brands and products
  • Seamless user experience
  • Timely payments.


  • Tracking records take 2-3 days to reflect
  • Profit confirmation may take 30-90 days
  • Limited product offerings.

4. Amazon Associates – Earn by promoting products on your platform.

The Amazon Affiliate Program stands as one of the globe’s largest, boasting a community of over 900,000 associates. This program empowers individuals to monetize their website traffic or social media channels by featuring Amazon products.

Beyond its revenue-generating potential, the program offers access to a vast array of Amazon products that affiliates can showcase and promote on their platforms. Moreover, it provides valuable tools for creating customized affiliate links and delivers detailed reports offering insights into visitor behaviors and link performance.

Here’s how the Amazon affiliate program works: Upon enrollment, affiliates receive a unique tracking ID, usually in the format of ‘yourname-20.’ This ID can be appended to any Amazon product URL to generate an affiliate link. For example, a standard Amazon product URL like amzn.to/3PKgDQ6 can be transformed into amzn.to/3PKgDQ6?tag=yourname-20.

Affiliates earn commissions on any sales made on Amazon within 24 hours of a user clicking on their affiliate link. Notably, affiliates receive commissions on all items purchased during that session, even if they differ from the originally recommended product.

This flexibility adds to the program’s appeal, as affiliates can earn commissions on a wide variety of products offered by Amazon, contributing to its broad appeal and potential for earning.

5. 5Paisa – Simplifying trading with low fees and rewarding referrals.

5Paisa, India’s pioneer listed Discount Broker, levies a uniform flat brokerage fee across all products and trading venues. A standout feature of this platform is its Demat account, facilitating trading in stocks, futures, commodities, currencies, and MCX commodities.

Account opening is free, with a nominal ₹10 charge per completed mutual fund order investment. Referring individuals to the 5Paisa app earns you a ₹200 Referral credit, 12.5% brokerage sharing, and other enticing rewards.


  • Competitive fee structure
  • Margin funding facility available, with partial delivery payment
  • Portfolio analyzer provided
  • Various value-added packs on offer


  • Account maintenance costs involved
  • Technology-driven interface may be overwhelming for some users
  • Trading temptation may lead to impulsive investment decisions

6. ZET (OneCode) – Unlock earnings effortlessly by referring others to join the platform.

ZET, formerly known as OneCode, facilitates seamless connections between partner brands and resellers, enabling the sale of financial products and services. Users can earn substantial income by inviting others to join the platform, receiving unique promo or discount codes to earn a percentage of sales.

With no membership costs, joining the app requires no initial investment, and incentives are directly deposited into the user’s bank account or Paytm wallet upon referral sign-ups. Users receive a ₹25 bonus for each referral and a lifetime 10% commission on their earnings.


  • Zero investment required
  • Access to expert training
  • Unlimited earning potential
  • Quick payout options


  • Requires thorough identity verification
  • Encounters frequent network errors
  • Customer support effectiveness may be lacking

7. CoinSwitch Kuber – Secure cryptocurrency trading with lucrative referral rewards.

CoinSwitch Kuber stands out as India’s premier cryptocurrency trading app, offering a secure platform with a wide array of over 100 cryptocurrencies available for trading at competitive rates.

The CoinSwitch Kuber referral program is highly popular among users, offering BTC rewards up to ₹400 for each successful referral.

Additionally, users receive BTC worth ₹50 upon their referral’s completion of KYC Verification, and for the first crypto purchase ranging between ₹1000 to ₹4999, a referral earns BTC worth ₹200.


  • Secure platform ensuring safety of transactions
  • Extensive range of 80+ cryptocurrencies available for purchase
  • User-friendly interface for seamless trading experience


  • Absence of leverage facility for trading
  • No option available for card deposits or withdrawals
  • Users are required to trade using their own capital, as CoinSwitch Kuber does not offer investment options.

8. Meesho – Empowering users with referral rewards in a user-friendly social commerce platform.

Meesho, a social commerce application, offers users referral incentives, allowing them to earn rewards up to Rs. 250 for various in-app transactions. Widely regarded as one of the top earning apps for students, Meesho provides a user-friendly platform accessible to individuals without extensive tech backgrounds.


  • 0% commission fee
  • No penalty charges for late dispatch or order cancellations
  • Intuitive and user-friendly platform


  • Limited listings
  • High bounce rates and low visit duration
  • Occasional disabling of online payment option
  • Some users report dissatisfaction with customer service and company policies.

9. UrbanClap – Unlock rewards through referrals in a diverse service marketplace.

Urban Company, formerly UrbanClap, serves as a service marketplace platform offering referral incentives. Users can earn rewards of up to Rs. 500 for each successful referral, which can be redeemed for various transactions within the application.

Pros of Urban Company’s Refer and Earn Program:

  • Offers over 50 services
  • Background-verified professionals
  • Enhanced communication channels

Cons of Urban Company’s Refer and Earn Program:

  • Limited availability of services
  • Challenges with quality control
  • Lack of dedicated customer support
  • Reported issues with slow performance and glitches
  • User-friendliness concerns

10. Panel Station

The Panel Station is a survey application offering referral incentives, where participants can earn up to Rs. 500 for each successful referral. These earnings are redeemable through Paytm or gift vouchers.


What are refer & earn apps?

Applications that incentivize users for referring friends and family members are commonly referred to as ‘refer and earn’ apps. Typically, these apps feature a refer and earn program, rewarding users with cash, gift cards, discounts, or other incentives in return for successfully referring new users to download and utilize the application.

How to earn ₹1000 per day from mobile?

Unlocking a potential income of ₹1000 per day is within reach through refer and earn programs offered by diverse mobile apps. By leveraging platforms such as Upstox, EarnKaro, Meesho, Zerodha, and others, users can capitalize on referral opportunities, inviting friends to join and earn rewards with each successful referral.

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