Hello readers! I am back with a new post to help you earn money online. I have already shared a blog on best refer and earn apps which you can check from here.
Today, I am going to focus exclusively on UPI apps with best referral offers. If you have used apps such as Google Pay, PhonePe, and Paytm you would know that these apps reward users for every referral.
But since these apps have been around for a long time, making it hard to find a new user you can share your referral code with. Therefore, it is time to look for new apps UP refer and earn apps that you can use and also share with others to earn referral money.
Apart from referral income these apps also provide good cashback on signup. So without any wait scroll know more about these UPI apps.
Top Refer and Earn UPI Apps in India 2025
UPI Refer & Earn Apps |
Referral Income |
Download Now |
| Google pay | Upto Rs. 201 | Download Now |
| PhonePe | Rs. 100 | Download Now |
| Paytm | Rs. 100 | Download Now |
| Cred | Up to Rs. 200 | Download Now |
| Mobikwik | Rs. 20 | Download Now |
| Bajaj Pay | Up to Rs. 75 | Download Now |
| Kwik | up to Rs. 100 | Download Now |
1. Google Pay Refer & Earn Offer
Google Pay has played a significant role in making UPI payments popular. The app made scratch card popular, providing exciting rewards to users. Google Pay is also one of the apps with the highest rewards for referrals.
You get Rs. 201 on every referral. To earn the referral reward, you need to share your unique referral code with people. You will earn the referral reward, once the person completes 1st UPI transaction after creating an account on Google Pay and linking his/her bank account.
| Feature | Details |
|---|---|
| Referral Bonus | Up to Rs.201 per referral |
| How to Refer | Share your unique referral code via SMS or social media. |
| Key Features | Easy UPI payments, bill split, rewards. |
| Notes | Trusted by many users. |
2. PhonePe Refer and Earn Offer
PhonePe is among the most used UPI apps. Although you will not have many cashback offers on UPI payments on the app, but PhonePe continues to reward users on referrals.
You earn Rs. 200 on every referral on PhonePe. This makes PhonePe one of the apps with the highest cashback rewards. The procedure to earn referral money is the same, you need to share your referral link, and you will be rewarded once the person you invite links their bank account on PhonePe and completes 1st money transfer transaction.
| Feature | Details |
|---|---|
| Referral Bonus | Rs.200 per referral |
| How to Refer | Send your referral link from the app. |
| Key Features | UPI transfers, recharges, bill payments. |
| Notes | User-friendly and secure. |
3. Paytm Refer & Earn Offer
While Paytm wallet is one of the most popular digital modes of payment. It also provides a UPI payment option. You get flat Rs. 100 on each referral on Paytm.
Paytm has made its refer and earn offer more interesting for users. Now, you can also invite existing users who haven’t used Paytm app for 60 days or more.
By extending the referral offer to existing users, you have better change of earning with Paytm App. Tap on the refer now button on the app to find the users in your contact list who you can invite to cashback.
The cashback amount will be credited to your bank accounted linked on Paytm app.
| Feature | Details |
|---|---|
| Referral Bonus | Up to Rs.100 per referral |
| How to Refer | Share your referral code via the app. |
| Key Features | Wallet, UPI, recharges, bill payments. |
| Notes | Widely used with many features. |
Download Now
4. Cred Refer and Earn Offer
Cred launched as an app for credit card payments but has expanded gradually to offer a variety of features. The app introduced the UPI feature some time back with exciting rewards.
Cred app also rewards users with up to Rs. 400 Cashback on every referral. The cashback that you earn can be used to make utility payments and shop from the app.
You can earn minimum Rs. 200 on every invite as your refer more people your cashback per referral also increases. Keep checking the app to know the status of users you have shared your referral link. You can also remind the users to complete their 1st transaction on the app.
| Feature | Details |
|---|---|
| Referral Bonus | Up to Rs.400 per referral |
| How to Refer | Share your referral code via the app. |
| Key Features | UPI, recharges, bill payments. |
| Notes | Cashback offers on every payment |
5. Mobikwik Refer and Earn Offer
Mobikwik app rewards users with cashback on different payments. The app also rewards users for every referral. You earn Rs. 20 for every referral. Mobikwik also has a referral offer to reward users for referral on credit card bill payments. The referral offer for the Mobikwik app is similar to other UPI apps.
You will be rewarded after your invited person makes 1st transaction on the Mobikwik app.
6. Bajaj Pay UPI Refer and Earn Offer
Bajaj Pay app has also introduced the UPI feature. You can earn cashback and Bajaj coins on every transaction. There is also a Bajaj Pay UPI Offer. The app rewards users with surprise rewards and cashback on every referral.
Keep checking the rewards section on the app to unlock rewards. With Bajaj UPI app, you also get up to Rs. 251 cashback on 1st transaction. There are many offers on mobile recharge and utility payments as well.
7. Kiwi UPI Offer
Kiwi is basically a credit card app. But it has also introduced a UPI feature. You earn rewards on every UPI payment. There is referral offer on the app as well. The rewards that you earn can be redeemed for cash or gift cards of your choice.
8. Amazon Pay UPI Refer and Earn Offer
Amazon launched its payments feature a long way back. You can link your bank account on the Amazon app to make transfers directly from your bank account and win exciting rewards.
You can share your unique Amazon UPI referral code and earn Rs. 31 for every referral. The cashback will be credited as Amazon Gift card balance in your pay balance account.
9. Pop
Pop is a new UPI app launched by Yes Bank. The app rewards users for every UPI transaction. Get 2% pop coins on every transaction. You can earn up to 100 on every transaction. The pop coins can be redeemed for a variety of products in the Pop store. The product categories include fashion, accessories, electronics, etc.
There is a refer and earn offer on the Pop app.
10. Indie
Indie is a new app launched by IndusInd Bank. You can open a zero-balance savings account on the app in 2 minutes. The app comes with some really exciting features. You can activate UPI very easily on the Indie app. Moreover, earn Rs. 250 on every successful referral on the app.
11. ABCD App
With ABCD App, get up to 500 coins for every successful referral. The coins can be redeemed on shopping, food, and more. ABCD App also has many offers on recharge, bill payment, and money transfer.
12. SalarySe
SalarySe is a payments app that I recently downloaded after reading about its benefits. You get chance to win an Amazon Gift card worth Rs. 3000 by making 7 UPI payments on the app. The winners are decided by lucky draw. You can also apply for credit card on the SalarySe app and win exciting rewards.
You get a virtual UPI credit card that can be used for online payments. There are exciting rewards and assured cashback on every payment you make with your SalarySe credit card.
How UPI Refer and Earn Offer Work?
The referral offer for all UPI apps is almost similar. You will be rewarded after the invited person makes 1st money transfer transaction on the app. The person that you invite should also be a new user.
The only difference is the referral money. While you earn Rs. 20 for every referral on Mobikwik, you can earn up to Rs. 1000 on every referral with the Cred app.
UPI Payments with Credit Card
With the growing popularity of UPI payments, this feature has also been extended to credit card. You can link your Rupay Credit card on top leading apps such as Paytm, PhonePe, etc.
This allows you to use your credit limit to make UPI payments. Also, you can earn credit card rewards using this feature. This feature is only available for Rupay credit card users.
Conclusion
The refer and earn offer of UPI apps provides an excellent chance to earn money. You can easily earn by sharing your referral code/link with users and earn up to Rs. 1,000 on every successful referral.
Frequently Asked Questions
Which is the No. 1 Earning Apps?
At this time, I think Cred is the No.1 UPI earning app. This app recently introduced the UPI payments feature. And you can earn cashback and rewards on every payment. I also think the Bajaj UPI app is also very rewarding. You can find new UPI cashback offers daily on the Bajaj app.
Which is the best UPI app for rewards?
Currently, the Bajaj UPI app which is also one of the new UPI apps is best for rewards. Any new UPI app that comes to market usually offers better rewards. You earn up to Rs. 251 cashback on 1st UPI payment on the Bajaj UPI App.
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