List of Top 10+ Best Refer and Earn Apps Without Investment in 2024

Refer and Earn Apps: Refer and earn money is one of the easiest ways to make cash without making any investment or doing any workforce. In today’s world, everyone is hustling for some extra cash in their day-to-day life. 

There are thousands of ways you can make a hefty online income by doing many gigs like writing, playing games, taking surveys, and sharing opinions. 

You can even make an earning by doing shopping or going to places and reviews in exchange for cash or rewards points. 

However, the best way to earn real cash online is by referring an app in your circle of friends and family. This is one of the simplest methods to earn a side income. 

This article is all about the best 15 refer and earn apps in 2024 which you can refer to your friends and extra cash in your free time without any investment.

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.

List of 15 Best Refer and Earn Apps 2024 Without Investment

1. Ludo Bheem Refer and Earn (Ludo Bheem Referral Code)

Ludo Bheem, also known as FK Ludo, is an exciting gaming app that offers a rewarding referral program. By using the Ludo Bheem 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 Ludo Bheem referral code and invite your friends to FK Ludo for a fun, rewarding gaming experience.

Check out also: Online Ludo Sign-up Bonus

2. Paytm – Refer and Earn App

Paytm is the best refer and earn app where you get a hundred rupees after every single referral. Paytm is a legitimate app for making online payments or getting payments.  

Undoubtedly, Paytm is one of the most popular UPI and payment apps where you can simply make payments online without too many complications. Multiple cash rewards and cash back after every single payment is also one of the reasons for Paytm’s popularity. 

According to Paytm’s official website, you can share your Paytm referral code or link 100 times in a month. Then you can get paid for every single referral who installs the app using your code. 

In a year you can refer Patm app 500 times and earn up to Rs 50,000 for every single new user you bring to Paytm. To get your referral money you need to link your bank account to Paytm after 7 days of sign-up.   

The table below has all the details for the Paytm refer and earn details-  

Learn about: Paytm Real Cash Games

3. Google Pay – Refer and Earn App

Google Pay is one of the most reliable UPI and payment apps in India. If you are unsure about any other UPI payment options then you can go for Google Pay. You can also refer to Google Pay to your friends and can get Rs 100 for a new signing. You can only get a referral reward for 10 new users. 

One of the most secure payment apps, Google Pay also offers multiple rewards and cash back after completing the payment process. You get different rewards and coupons based on how and to whom you send the payment. You will also get discounts and coupons for many luxurious brands like apparel, makeup, food, gadgets, etc. 

The table below has all the details of Google Pay refer and earn details-   

4. PhonePe – Best Refer and Earn App without KYC

PhonePe comes next on our list of best refer and earn apps in 2024. PhonePe is also popular among Indians for making online payments after Google Pay and Paytm in terms of UPI options.  

PhonePe also offers Rs 100 referral awards every time you share your referral code and invite your friend. The best part about PhonePe is that you don’t need to do KYC (Know Your Customer) to get your referral rewards. Mobile verification is enough for adding cashback to your PhonePe Gift Card balance. 

The table below has all PhonePe refer and earn details- 

Also Read: Instant 7 Days Loan Apps List

5. Roz Dhan – Refer and Earn App

Roz Dhan is an online money-earning app where you can make a side hustle without any investment. You can play games, take surveys, read articles, check daily horoscopes, and do walking tasks will add a couple of hundred to your wallet daily. 

Roz Dhan also offers upto Rs 200 for completing the sign-up process. Roz Dhan is one of the best India Instant task cash apps which gives you instant money. You will get your first Rs 50 just for signing and the next 50 after completing some simple task. Sign in for two consecutive days for the rest of the rewards. 

Roz Dhan also offers Rs 12 for inviting your friend using your referral code or link. 

The table below has all of Roz Dhan refer and earn details-

6. Mobikwik – Refer and Earn App

Mobikwik is India’s largest digital payment system which offers multiple services including banking, online payment, accepting money, mobile recharges, paying electricity bills, etc. 

Mobikwik is our top refer and earning app which provides cash rewards not only for referrers but also for referees. You can earn Rs 100 for inviting a friend on Mobikwik and after signing your friend will also get Rs 50 in their Mobikwik Wallet. 

You can earn upto Rs 5,000 super cash via only referring Mobikwik to your friends and family. Get a Mobikwik referral code in the table below. 

The table below has all the details of Mobikwik refer and earn details-

7. EarnKaro – Refer and Earn App

If you are looking for lifelong referral commission then EarnKaro is one of the best refer and earn apps. EarnKaro is the deal-sharing platform where you can simply share your discounts and deals from different online shopping apps like deals from sites like Flipkart, Myntra, Ajio & more. EarnKaro gives you a commission when people from your network friends and family buy products from your profit link. 

You can also get a lifetime 10% commission if your friend uses your referral link to sign up in EarnKaro. EarnKaro has a minimum withdrawal limit of Rs 10 which you can easily transfer directly to your bank account. Find the EarnKaro referral code in the table. 

The table below has all the EarnKaro refer and earn details-

Must Read: Fashion Affiliate Programs in India

8. 5paisa – Refer and Earn App

5paisa is an investment app where you can trade for shares and stocks. There are absolutely zero fees to create an account in 5paisa. Regardless of the product, size, or trading venue, the firm only charges for a single flat brokerage cost.  

You can also earn Rs 250 and 12.5% brokerage commission on each refer in 5paisa. The app is available for both Apple and Android devices. You can find the 5paisa referral code in the table. 

The table has all of the 5paisa refer and earn details- 

9. Upstox – Refer and Earn App

Upstox is one the India’s leading app to trade in mutual funds and stocks. Upstox provides many services like trading across different segments, including mutual funds, equities, commodities, futures, and options. 

Upstox can be your next passive income source, allowing you to earn up to Rs 1 lakh per month in referral incentives. So it is ok if you don’t know how to trade just share the Upstox with someone who knows the markets and earns a hefty commission every time they trade. 

You can get a referral amount between Rs 500 to Rs 1200 in Upstox. The more you refer the Upstox the more incentives you will get. The Upstox referral code is in the table. 

The table has overall details of Upstox refer and earn-

Look out: Best Trading Apps in India to Earn Money

10. Freecharge – Refer and Earn App

Freecharge is another India’s leading payment options has been in the market for several years. In Freecharge you can make UPI payments, utility bill payments, mobile/DTH recharges, Pay Later solutions, etc.  

Freecharge is also one of the best apps which allows you to earn up to Rs 3,000 by only referring to sharing the app with your friends. You will get your instant Freecharge referral award, once your friend is done with sign-up using your referral link and make their first payment. For a single invite, you get an instant Rs 30 cash reward. In Freecharge you can invite 100 people and earn upto Rs 3000. Find the Freecharge referral code below. 

The table has all the Freecharge refer and earn details- 

11. CashKaro – Refer and Earn App

CashKaro is another popular cashback and coupon app for the leading shopping websites. In CashKaro you can compare the same product’s price on different shopping platforms plus you will get a discount coupon. You can earn upto Rs 20,000 in the CashKaro easily. With the CashKaro referral code below you can get an instant Rs 60 in your wallet. 

With more than 150 shopping websites like Amazon, Ajio, Myntra, Flipkart, WOW, MamaEarth, and Medlife, CashKaro is the best platform to shop. Check out CashKaro before you hit the payment options in the shopping cart.

The table below has all of CashKaro refer and earn details- 

12. OYO – Refer and Earn App

OYO is India’s largest hospitality service online platform where you can book pocket-friendly hotels that fit into your budget. OYO, it’s easy and cheap as well to find hotels in a new city.

But did you know you can earn cash rewards in OYO by referring to your friends? These OYO rewards are 100% redeemable and every time your friend makes an OYO account using your referral link you will get Rs 350 OYO rewards. You can use your OYO rewards for your next booking and get a Rs 350 discount. OYO rupees are 100% redeemable. So if your room cost is below Rs 700 then you will get a free room after two successful invites. Use the OYO referral code below in the table to get your reward.

The table below has all OYO refer and earn details- 

13. EarnEasy – Refer and Earn App

EarnEasy is money earning platform where you can perform simple tasks and earn rewards for each task. You will get an instant Rs 50 bonus once you sign up for the EarnEasy app. After signing up perform the simple task to get Rs 5 and refer to your friend. 

You will get Rs 10 after a successful referral completion and another Rs 15 upon completion of the referral’s task. So you will get Rs 25 for a single referral. You can earn upto Rs 3000 in the EarnEasy app daily. 

The table has all the details of EarnEasy refer and earn details including referral code. 

14. Fiverr – Refer and Earn App

It is a well-known fact that Fiverr is leading freelance service marketplace. It connects companies and businesses to freelancers all over the world. You can find jobs and gigs all around the world. 

However, it is quite difficult to get a job in one go. So while you are getting selected, in the meantime, you can refer Fiverr to your friend and family member and they will get 10 % off and you will earn upto $500. For every single successful invite, you can make $100 bucks. 

The table below has all Fiverr refer and earn details-  

15. Myntra – Best Refer and Earn App 

(Reference: https://indiadesire.com/myntra-refer-and-earn-offer-11237/)

Myntra one of the largest shopping websites where you can buy best fashion brands on your fingertips. You can buy the latest fashion brand, and select your next wedding outfit inspo from the Myntra studio. You can earn cashback or rewards by referring the app to your friends. 

Myntra offers upto Rs 500 for a successful referral and you will get Rs 100 sign-up plus Rs 100 per Myntra refer sign-up bonus.  

The table below has all Myntra refer and earn details- 

So these are our best 15 refer and earn cash apps in 2024. Of course, these apps will not last longer and can’t replace your primary income. But all these apps mentioned above are good enough for a while. At least you can make an earning between a couple of hundreds to thousands of rupees by simply referring to the app.     

Refer and Earn Apps Without Investment 2024

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!

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.

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

Disclaimer - Some of the apps mentioned above include financial risk and may be addictive. We Fantasy Khiladi are not responsible for any financial risk taken by the user. Use all these apps at your own risk. Have fun!