35+ List of Best Refer and Earn Apps Without Investment in India 2023

Refer and Earn Apps List 2023: Find the best refer and earn apps list to boost your slide income! Our complete list features top-rated apps with refer and earn programs. By referring friends using your unique code or link, you and the new user can enjoy a range of benefits, such as cash rewards, gift cards, and exclusive discounts. From cashback platforms and gaming apps to online shopping and payment services, these apps cover diverse categories to suit your interests. Start maximizing your earnings and enjoying the perks of these user-friendly apps today. Make a chance to refer and earn ₹1000, ₹2000 and ₹5000 per month effortlessly through referrals! Discover the ultimate list of Refer and Earn apps without investment that can help you earn rewards and incentives. Explore the top-rated game apps with referral programs in 2023. Don’t miss out on the opportunity to earn while having fun. Start referring and earning today!

Best Refer and Earn Apps without KYC

If you’re concerned about sharing your personal information or going through a lengthy Know Your Customer (KYC) process, don’t worry! There are refer and earn apps that allow you to earn rewards without the need for KYC verification. These apps prioritize user privacy while still offering lucrative referral programs. You can rest assured that your data is safe and secure while earning rewards. Even you can refer and earn 1000 without KYC.

Types of Refer and Earn Apps

Refer and earn apps come in various types, catering to different interests and preferences. Here are some of the popular categories of refer and earn apps:

1. Cashback Apps: These apps provide users with cashback on purchases made through the app. They often have a referral program that rewards users for bringing in new users to download and use the app.
2. Rewards Apps: These apps offer users various rewards such as gift cards, discounts, or other incentives for completing tasks like surveys, watching videos, or playing games. They also have a referral program that rewards users for getting new users to download and use the app.
3. Gaming Apps: Gaming apps allow users to earn money by playing games and completing missions. They usually have a referral program in place that rewards users for referring new users to download and use the app.
4. Online Shopping Apps: These apps enable users to earn money by referring friends to shop on the platform. They typically have a referral program that rewards users for bringing in new users to download and make purchases through the app.
5. Payment Apps: Payment apps offer users the opportunity to earn money by referring friends to use the app for making payments. They have a referral program that rewards users for getting new users to download and utilize the app for transactions.
6. Survey Apps: Survey apps allow users to earn money by completing surveys. They often have a referral program that rewards users for referring new users to download and use the app for survey participation.

Refer and Earn Apps Without Investment 2023

One of the great aspects of refer and earn apps without investment is that you can start earning without any investment. These apps provide you with a chance to earn money simply by referring your friends, family, or colleagues. You don’t need to spend a penny to participate and earn rewards. It’s an excellent opportunity for those looking to supplement their income without financial commitments.

How to Refer and Earn Apps Work?

Here’s a simple and easy-to-understand explanation of how to refer and earn apps work:

Step 1:
Get Your Unique Code Download the app and get your special referral code or link.

Step 2:
Share with Friends Share your code/link with your friends and family through messages, social media, or any other way you like.

Step 3:
Friends Sign Up When your friends use your code/link and sign up on the app, they become your referrals.

Step 4:
Earn Rewards You earn rewards whenever your referred friends make a purchase or complete certain tasks in the app.

Step 5:
Friends Get Bonuses Your friends also get bonuses or discounts for joining through your referral.

Step 6:
Refer More, Earn More The more friends you refer, the more rewards you can earn.

Step 7:
Win-Win for Everyone It’s a win-win situation where you and your friends benefit from using the app together.

Step 8:
Follow App Rules Some apps may have specific rules, like a minimum purchase requirement for you to receive rewards.

Have Fun Sharing It’s an easy and enjoyable way to tell friends about cool apps and get rewarded for it. Start Earning Now! So, don’t waste time, start sharing your code and earning rewards with your friends right away! Remember, the more you share, the more you earn. Happy referring and earning!

Have a look also: Daily 100 Rupees Earning Apps Without Investment

List of 35 Best Refer and Earn Apps 2023 Without Investment

Refer and Earn App	Referral Rewards
Fantasy Khiladi	Best Refer and Earn App for up to ₹20,000/Referral
Winzo	Refer and Earn ₹55 on every referral
Ludo Supreme	Earn up to ₹100 on every referral
Ludo Ninja	Refer and Earn ₹100
MPL	Refer and Earn ₹75 on every referral
Gamezy	Earn up to ₹20 on every referral
Ludo League	Earn up to ₹20 on every referral
Ludo Fantasy	Earn up to ₹50 on every referral
Ludo Empire	Refer and Earn Upto ₹500
Skill Ludo	Earn up to ₹50/referral
Real 11 Ludo	Earn up to ₹75/referral
Ludo Tez	Refer and Earn ₹75
Elite Ludo	Earn up to ₹20/referral
Ludo Premium	Earn up to ₹50 on every referral
Rush	Refer & Earn ₹125
Playerzport	Get ₹100 Bonus on every referral
Ludo Baazi	Earn up to ₹20/referral
Ludo Superstar	Earn up to ₹20/referral
Ludo Money	Earn up to ₹20/referral
CashKaro	10% of referral’s earnings for lifetime
PhonePe	Refer and Earn up to ₹150
Paytm	Refer and Earn ₹300
Google Pay	Refer and Earn ₹100/referral
Amazon Pay	Earn up to Rs 75 per referral
Swiggy	Refer and Earn ₹500 and ₹50 every time your referral place order
Zomato	Refer and Earn ₹100
Ola	Refer and Earn ₹2000
Uber	Refer and Earn ₹1000
MakeMyTrip	Refer and Earn ₹3000
Airbnb	Refer and Earn ₹1500
Netflix	Refer and Get one month free subscription
Freecharge	Refer and Earn ₹5000
Mobikwik	Refer and Earn ₹5000
ShareChat	Refer and Earn ₹40/referral
EarnEasy	Earn up to Rs 50 on every referral

Top Games Refer and Earn Apps List 2023

Ludo games have become incredibly popular, offering a digital version of the classic board game we all know and love. These games not only provide entertainment but also give you a chance to earn rewards through their refer and earn programs. Here are some of the top ludo games refer and earn apps:

1. Fantasy Khiladi Refer and Earn (FK Ludo Referral Code)

Fantasy Khiladi Ludo, also known as FK Ludo, is an exciting gaming app that offers a rewarding referral program. By using the FK Ludo referral code, users can invite their friends to join the app and engage in thrilling online Ludo games. The new users get a welcome bonus, and the referrers also earn referral rewards. These rewards can be in the form of cash, bonus points, or other exciting prizes.

FK Ludo provides an exciting gaming experience with its user-friendly interface and engaging gameplay. With the referral program, users can enjoy playing Ludo and earn additional benefits by inviting their friends to be a part of the gaming community. So, grab Fantasy Khiladi referral code and invite your friends to FK Ludo for a fun, rewarding gaming experience.

Refer & Earn App	Fantasy Khiladi Ludo
Referral Code	425934
Referral Bonus	Upto ₹20000
Single Refer	Upto ₹100 Every Time
Download Link	Download Link

Check out also: Fantasy Khiladi Ludo Sign-up Bonus

2. Winzo Refer and Earn App

If you’re looking for the best refer and earn apps to earn rewards and cash without any investment, the Winzo Refer and Earn app should be on your radar. With Winzo Referral Code, you can join this popular platform and start earning in 2023.

Winzo Refer and Earn is a top refer earning app that offers a wide range of games and opportunities to earn rewards by referring your friends. It provides a seamless and user-friendly interface, making it easy for anyone to participate and earn.

By sharing your unique referral code with friends and family, you can earn referral rewards when they join and play games on the Winzo app. The more people you refer, the more you can earn. Additionally, you can also earn through various in-app activities and competitions.

With a diverse collection of games, including popular titles like cricket, puzzles, trivia, and more, Winzo offers an exciting gaming experience along with the opportunity to earn real rewards. Join Winzo Refer and Earn today and unlock your earning potential while enjoying fun and entertaining games.

3. Ludo Supreme Refer and Earn App

Ludo Supreme Refer and Earn is a fantastic opportunity to earn rewards this summer. With Ludo Supreme Referral Code, you can invite friends and earn exciting bonuses. Engage in thrilling Ludo matches while enjoying the summer vibes and earning rewards. Don’t miss out on this exciting refer and earn program!

4. Ludo Ninja Refer and Earn App

Make the most of your summer with Ludo Ninja Refer and Earn. Use the Ludo Ninja Referral Code to invite friends and earn amazing rewards. Enjoy the sun-drenched days while engaging in thrilling Ludo battles and earning exciting bonuses. Don’t let the summer pass by without joining this fantastic refer and earn opportunity!

5. MPL Refer and Earn App

Unlock the potential for earning rewards with MPL Refer and Earn. Utilize the MPL Referral Code to invite friends and earn exciting bonuses. Engage in a variety of thrilling games and competitions while enjoying the convenience of earning rewards. Don’t miss out on this opportunity to maximize your earnings with MPL!

6. Gamezy Refer and Earn App

Take advantage of Gamezy Refer and Earn to earn enticing rewards. With the Gamezy Referral Code, invite your friends and enjoy incredible bonuses. Engage in exciting gaming experiences and competitions while earning rewards effortlessly. Don’t miss out on this chance to boost your earnings with Gamezy!

Also check: Ludo Game Paytm Cash APK Download

7. Ludo League Refer and Earn App

Join the Ludo League Refer and Earn program and unlock a world of rewards. Use the Ludo League referral code to invite friends and earn exciting bonuses. Enjoy thrilling Ludo matches while maximizing your earnings. Don’t miss out on this opportunity to earn big with Ludo League!

8. Ludo Fantasy Refer and Earn App

Participate in the Ludo Fantasy Refer and Earn program using the Ludo Fantasy Referral Code to earn impressive rewards. Invite friends, engage in exciting Ludo games, and boost your earnings. Don’t miss out on this chance to make the most of Ludo Fantasy and earn big!

9. Ludo Empire Refer and Earn App

Maximize your earnings with Ludo Empire Refer and Earn using the Ludo Empire referral code. Invite friends, play thrilling Ludo games, and earn fantastic rewards. Don’t miss out on this opportunity to enhance your Ludo experience and earn big with Ludo Empire!

10. Skill Ludo Refer and Earn App

Join Skill Ludo’s Refer and Earn program using the Skill Ludo referral code and unlock a world of rewards. Invite friends, engage in skillful Ludo matches, and earn exciting bonuses. Don’t miss out on this opportunity to showcase your Ludo skills and earn big with Skill Ludo!

11. Real 11 Ludo Refer and Earn App

Make the most of your gaming skills and earn amazing rewards with Real 11 Ludo Refer and Earn program. Utilize the Real 11 referral code to invite friends and enjoy thrilling Ludo matches while earning exciting bonuses. Don’t miss out on this opportunity to maximize your earnings with Real 11!

Have a look at: Instant Withdrawal Ludo App 2023

12. Ludo Tez Refer and Earn App

Experience the thrill of Ludo Tez and earn fantastic rewards with the Ludo Tez Refer and Earn program. Utilize the Ludo Tez Referral Code to invite friends and enjoy exciting Ludo matches while earning enticing bonuses. Don’t miss out on this opportunity to boost your earnings and have a great time with Ludo Tez!

13. Elite Ludo Refer and Earn App

Join the Elite Ludo Refer and Earn program with the Elite Ludo referral code and unlock incredible rewards. Invite friends, participate in thrilling Ludo matches, and earn exciting bonuses. Don’t miss out on this opportunity to showcase your Ludo skills and earn big with Elite Ludo!

14. Ludo Premium Refer and Earn App

Unlock amazing rewards with the Ludo Premium Refer and Earn program using the Ludo Premium referral code. Invite friends, enjoy premium Ludo matches, and earn exciting bonuses. Don’t miss out on this opportunity to level up your earnings and have an exceptional gaming experience with Ludo Premium!

Take a look: Best Fantasy App with Low Commission

15. Rush Refer and Earn App

Maximize your earnings with the Rush Refer and Earn program using the Getrushapp referral code. Invite friends, indulge in thrilling Rush games, and earn exciting rewards. Don’t miss out on this opportunity to enhance your gaming experience and earn big with Rush!

16. Playerzport Refer and Earn App

Unlock incredible rewards with the Playerzport Refer and Earn program by using the Playerzpot referral code. Invite friends, participate in exciting sports contests, and earn fantastic bonuses. Don’t miss out on this opportunity to showcase your sports knowledge and earn big with Playerzport!

17. Ludo Baazi Refer and Earn App

Join the Ludo Baazi Refer and Earn program using the Ludo Baazi referral code and unlock amazing rewards. Invite friends, play thrilling Ludo games, and earn exciting bonuses. Don’t miss out on this opportunity to showcase your Ludo skills and earn big with Ludo Baazi!

Also read: Best UPI Withdrawal Games Online

18. Ludo Superstar Refer and Earn App

Make the most of the Ludo Superstar Refer and Earn program with the Ludo Superstar referral code and enjoy incredible rewards. Invite friends, engage in exciting Ludo battles, and earn fantastic bonuses. Don’t miss out on this chance to demonstrate your Ludo prowess and earn great rewards with Ludo Superstar!

19. Ludo Money Refer and Earn Ap

Experience the thrill of Ludo and earn amazing rewards with the Ludo Money Refer and Earn program using the Ludo Money referral code. Invite friends, compete in exciting Ludo matches, and unlock fantastic bonuses. Don’t miss out on this opportunity to showcase your Ludo skills and earn big with Ludo Money!

These top ludo games refer and earn apps offer not only an exceptional gaming experience but also the opportunity to earn rewards while having fun with your friends.

Check out also : Ludo Multiplayer Online Games

Other Refer and Earn Apps List

Apart from ludo games, there are several other refer and earn apps that you can explore to maximize your earnings. Here are some noteworthy apps:

20. CashKaro: Earn 10% of Your Referral’s Earnings for a Lifetime

CashKaro is a popular refer earning app that offers cashback and coupons for online shopping. With their referral program, you have the opportunity to earn a remarkable 10% of your referral’s earnings for a lifetime. Imagine the passive income you can generate by simply referring your friends, family, or followers to CashKaro. It’s a win-win situation for everyone involved!

21. PhonePe: Refer and Earn up to ₹150

PhonePe, one of India’s leading digital payment platforms and best refer and earn apps that rewards you for spreading the word about their services. Through PhonePe’s referral program, you can earn up to ₹150 for each successful referral. All your referral needs to do is sign up and make their first transaction using PhonePe. It’s an excellent way to earn some extra cash while introducing your friends to a reliable payment platform.

22. Paytm: Refer and Earn ₹300

Paytm is a well-known name in the realm of digital payments and mobile recharge in India. With Paytm’s referral program, you can earn ₹300 for every referral who completes their KYC process and adds money to their Paytm wallet. The more friends you refer, the more you earn. It’s as simple as that!

23. Google Pay: Refer and Earn ₹100 per Referral

Google Pay, the popular digital payment app by Google, best refer earning app offers a rewarding referral program to its users. By inviting your friends to join Google Pay and encouraging them to make their first payment, you can earn ₹100 for each successful referral. Spread the word and boost your earnings effortlessly.

24. Amazon Pay: Earn up to Rs 75 per Referral

Amazon Pay, the online payment service provided by Amazon, lets you earn up to Rs 75 for each successful referral. Simply share your referral link with friends, and when they sign up and make their first transaction using Amazon Pay, you’ll receive your reward. It’s a great way to make your online shopping experiences even more rewarding.

25. Swiggy: Refer and Earn ₹500, Plus ₹50 Every Time Your Referral Places an Order

If you’re a food enthusiast who loves ordering from Swiggy, their referral program can help you earn some extra cash. With Swiggy’s referral program, you can earn ₹500 when your referred friend completes their first order. Not only that, but you’ll also receive ₹50 every time your referral places an order. So, satisfy your cravings and boost your income simultaneously!

26. Zomato: Refer and Earn ₹100

Zomato, a popular food delivery and restaurant discovery platform, offers a referral program that rewards you with ₹100 for every successful referral. By inviting your friends to join Zomato and encouraging them to order their favorite meals, you can earn exciting rewards while sharing your love for delicious food.

27. Ola: Refer and Earn ₹2000

Ola, a leading ride-hailing service in India, values its customers and their referrals. With Ola’s referral program, you can earn ₹2000 when your referred friend takes their first ride. It’s a fantastic opportunity to enjoy convenient rides and earn significant rewards simultaneously.

28. Uber: Refer and Earn ₹1000

Uber, the renowned global ride-hailing platform, offers a lucrative referral program that benefits both you and your friends. By referring someone to Uber and ensuring they complete their first ride, you can earn ₹1000 in your local currency. Enjoy reliable rides and earn attractive rewards with Uber’s referral program.

29. MakeMyTrip: Refer and Earn ₹3000

MakeMyTrip, a leading online travel company, enables you to earn substantial rewards through their referral program. By referring your friends to MakeMyTrip and encouraging them to book their flights, hotels, or holiday packages, you can earn up to ₹3000. It’s the perfect opportunity for travel enthusiasts to explore the world while earning exciting rewards.

30. Airbnb: Refer and Earn ₹1500

If you’re someone who loves to travel and experience unique accommodations, Airbnb’s referral program is tailored for you. By referring your friends to Airbnb and helping them make their first booking, you can earn up to ₹1500 in travel credits. It’s a fantastic way to discover new destinations and earn rewards simultaneously.

31. Netflix: Refer and Get One Month Free Subscription

Netflix, the world’s leading streaming platform, offers an appealing referral program for its users. By inviting your friends to join Netflix, you can get rewarded with a one-month free subscription. Binge-watch your favorite shows and movies without worrying about the subscription fee.

32. Freecharge: Refer and Earn ₹5000

Freecharge, a popular digital payment platform in India, allows you to earn significant rewards through their referral program. By referring your friends to Freecharge and ensuring they complete their first transaction, you can earn up to ₹5000. It’s an excellent way to simplify your financial transactions and earn lucrative benefits.

33. Mobikwik: Refer and Earn ₹5000

Mobikwik, a digital wallet and payment platform and best refer earning app that rewards you generously for referring your friends. With their referral program, you can earn up to ₹5000 when your referred friend completes their KYC process. Seamlessly manage your payments and earn attractive rewards with Mobikwik.

34. ShareChat: Refer and Earn ₹40 per Referral

ShareChat, an Indian social media platform and best refer and earn app that offers an exciting referral program for its users. By referring your friends to ShareChat and ensuring they sign up and engage with the platform, you can earn ₹40 for each successful referral. Share your interests, connect with like-minded individuals, and earn rewards along the way.

35. EarnEasy: Earn up to Rs 50 on Every Referral

EarnEasy provides a fantastic opportunity to earn referring money effortlessly. With their referral program, you can earn up to Rs 50 for every referral who completes specific tasks or activities. It’s a simple and effective way to boost your earnings while engaging in fun and rewarding tasks.

These refer and earn apps cover a wide range of categories, from online shopping and payments to food delivery and travel. By leveraging their referral programs, you can earn rewards and discounts while introducing your friends to these useful services.

Refer & Earn Bonus Paytm & UPI Payment Methods

Google Pay Refer & Earn

• Open the App: Launch the app on your mobile device.
• Navigate to Wallet: Look for the “Wallet” or “My Wallet” section within the app. This is where you can manage your funds and transactions.
• Locate Referral Bonus: In the Wallet section, find the referring bonus or referral earnings you have accumulated. It may be displayed as a separate category or as part of your total wallet balance.
• Select Withdraw or Transfer: Tap on the referring bonus or referral earnings section. Look for an option like “Withdraw” or “Transfer” to proceed with the transaction.
• Choose Google Pay: In the withdrawal or transfer options, select Google Pay as the preferred payment method.
• Verify Account Details: The app may ask you to verify your Google Pay account details or provide additional information for the transfer. Follow the prompts and provide the required information accurately.
• Confirm and Transfer: Once you have entered the necessary details, review the transaction summary to ensure everything is correct. Then, confirm the transfer request.
• Complete the Transaction: The app will redirect you to the Google Pay interface or initiate a payment request. Follow the prompts within Google Pay to authorize and complete the transaction. This may involve confirming the payment using your Google Pay PIN, biometric authentication, or any other security measures you have set up.
• Verify Transfer Completion: Once the transfer is successful, the referring bonus amount should be deducted from your app wallet and reflected in your Google Pay account.

Also check out: Top 3 Patti Cash Withdrawal Games

Phonepe Refer and Earn

• Open the App: Launch the app on your mobile device.
• Navigate to Wallet: Look for the “Wallet” or “My Wallet” section within the app. This is where you can manage your funds and transactions.
• Locate Referral Bonus: In the Wallet section, find the referring bonus or referral earnings you have accumulated. It may be displayed as a separate category or as part of your total wallet balance.
• Select Withdraw or Transfer: Tap on the referring bonus or referral earnings section. Look for an option like “Withdraw” or “Transfer” to proceed with the transaction.
• Choose PhonePe: In the withdrawal or transfer options, select PhonePe as the preferred payment method.
• Verify Account Details: The app may ask you to verify your PhonePe account details or provide additional information for the transfer. Follow the prompts and provide the required information accurately.
• Confirm and Transfer: Once you have entered the necessary details, review the transaction summary to ensure everything is correct. Then, confirm the transfer request.
• Complete the Transaction: The app will redirect you to the PhonePe interface or initiate a payment request. Follow the prompts within PhonePe to authorize and complete the transaction. This may involve confirming the payment using your PhonePe PIN, biometric authentication, or any other security measures you have set up.
• Verify Transfer Completion: Once the transfer is successful, the referring bonus amount should be deducted from your app wallet and reflected in your PhonePe account.

Paytm Refer and Earn

• Open the App: Launch the app on your mobile device.
• Navigate to Wallet: Look for the “Wallet” or “My Wallet” section within the app. This is where you can manage your funds and transactions.
• Locate Referral Bonus: In the Wallet section, find the referring bonus or referral earnings you have accumulated. It may be displayed as a separate category or as part of your total wallet balance.
• Select Withdraw or Transfer: Tap on the referring bonus or referral earnings section. Look for an option like “Withdraw” or “Transfer” to proceed with the transaction.
• Choose Paytm: In the withdrawal or transfer options, select Paytm as the preferred payment method.
• Verify Account Details: The app may ask you to verify your Paytm account details or provide additional information for the transfer. Follow the prompts and provide the required information accurately.
• Confirm and Transfer: Once you have entered the necessary details, review the transaction summary to ensure everything is correct. Then, confirm the transfer request.
• Complete the Transaction: The app will redirect you to the Paytm interface or initiate a payment request. Follow the prompts within Paytm to authorize and complete the transaction. This may involve confirming the payment using your Paytm PIN, biometric authentication, or any other security measures you have set up.
• Verify Transfer Completion: Once the transfer is successful, the referring bonus amount should be deducted from your app wallet and reflected in your Paytm account.

Bharatpe Refer and Earn

• Open the App: Launch the app on your mobile device.
• Navigate to Wallet: Look for the “Wallet” or “My Wallet” section within the app. This is where you can manage your funds and transactions.
• Locate Referral Bonus: In the Wallet section, find the referring bonus or referral earnings you have accumulated. It may be displayed as a separate category or as part of your total wallet balance.
• Select Withdraw or Transfer: Tap on the referring bonus or referral earnings section. Look for an option like “Withdraw” or “Transfer” to proceed with the transaction.
• Choose Bharatpe: In the withdrawal or transfer options, select Bharatpe as the preferred payment method.
• Verify Account Details: The app may ask you to verify your Bharatpe account details or provide additional information for the transfer. Follow the prompts and provide the required information accurately.
• Confirm and Transfer: Once you have entered the necessary details, review the transaction summary to ensure everything is correct. Then, confirm the transfer request.
• Complete the Transaction: The app will redirect you to the Bharatpe interface or initiate a payment request. Follow the prompts within Bharatpe to authorize and complete the transaction. This may involve confirming the payment using your Bharatpe PIN, biometric authentication, or any other security measures you have set up.
• Verify Transfer Completion: Once the transfer is successful, the referring bonus amount should be deducted from your app wallet and reflected in your Bharatpe account.

FAQ About Refer and Money Earning Apps