Top Passive Income & Survey Refer and Earn Apps (2026)
If you want to earn money without manual tasks, consider passive bandwidth sharing and micro-survey apps:
| Platform | Referral Code | Signup Bonus | Referral Reward | Payout Minimum |
|---|---|---|---|---|
| Honeygain | MNADHC2B1A | $5 Free Bonus | 10% Lifetime Commission | $0.50 (JMPT) / $20 (PayPal) |
| Pawns.app | 2261966 | $3 Free Bonus | 10% Lifetime + $1 Bonus | $5.00 (PayPal, BTC, Cards) |
| AttaPoll | aemlf | Cash Signup Bonus | 10% Lifetime Commission | $3.00 (Instant PayPal) |
Looking for the best refer and earn apps in India for 2026 to generate genuine daily income? Whether you are a college student, freelancer, or working professional, choosing the right referral programs provides one of the easiest ways to earn anywhere from ₹500 to ₹10,000+ per month with zero upfront investment.
However, dozens of low-paying and fraudulent apps flood app stores every week. To save your time and effort, our team at Bookofer personally tested, registered, and verified the withdrawal proof for over 60 applications. Below is our curated, verified ranking of the best refer and earn apps in India, categorized by payout speed, reward type (instant UPI vs bank transfer), and KYC requirements.
Quick Overview: Best Refer and Earn Apps in India (2026)
| App Name | Category | Referral Reward | Payout Mode | KYC Needed? |
|---|---|---|---|---|
| ZET (OneCode) | Financial Reselling | ₹100 – ₹3,000+ / sale + Team % | Direct Bank Transfer | Yes (PAN) |
| BankSathi | Financial Reselling | 10% Lifetime Commission | Bank / Paytm | Yes (PAN) |
| Angel One | Demat & Trading | ₹300 – ₹500 Voucher | Amazon / Flipkart Voucher | Yes (Aadhaar/PAN) |
| Upstox | Demat & Trading | ₹150 – ₹500 per refer | Direct Bank Transfer | Yes (Aadhaar/PAN) |
| CRED | Credit Card & Bills | Up to ₹500 – ₹1,000 | Bank Cashback | Yes (Credit Score) |
| Google Pay | UPI Payments | ₹51 – ₹201 | Instant Bank Transfer | No |
| PhonePe | UPI Payments | ₹100 | Wallet / Direct Bank | No |
| Paytm | UPI Payments | ₹100 | Instant Bank Transfer | No |
| upGrad | Education & Courses | Up to ₹50,000 | Bank Cashback / Fee Waiver | No |
| Testbook | Exam Prep | 15% Cashback + Cash | Paytm / Bank | No |
| Lovely Plants | Gaming & Tasks | 1,000 Points + 20% | PayPal / Vouchers | No |
| Lovely Pet | Gaming & Tasks | 1,000 Points + 20% | PayPal / Paytm / Vouchers | No |
| mGamer | Gaming Rewards | 250 Coins + 10% | UPI / Google Play / Diamonds | No |
| CashKaro | Cashback & Shopping | 10% Lifetime Earnings | Bank Account / Amazon | No |
| MyMints | Universal Loyalty | 100 Mints (50 Bonus) | Flipkart SuperCoins / Gift Cards | No |
| EarnEasy | Micro Tasks | ₹15 – ₹50 | Instant UPI / Paytm | No |
| Scapia | Credit Card | ₹1,000 Travel Coins | Scapia Coins (Flights/Hotels) | Yes |
| Kiwi UPI | Credit on UPI | Flat ₹250 | Direct Bank Credit | Yes |
| AttaPoll | Paid Surveys | 10% Lifetime + $0.50 | PayPal / Revolut / Gift Card | No |
1. Best Financial Reselling Apps (Highest Recurring Income)
If you want to build a serious side income, financial affiliate platforms rank among the best refer and earn apps in India because they pay massive commissions on credit cards, savings accounts, and loan disbursements.
A. ZET (Formerly OneCode)
ZET is India’s leading financial distribution app where you can sell financial products from top banks like HDFC, SBI, Axis, and ICICI.
- Referral Benefit: Earn up to ₹3,000+ per approved credit card or personal loan, plus get 15% lifetime commission on all earnings generated by friends you invite to your ZET network.
- Payout Speed: Weekly direct bank transfers.
- Referral Code: Use ZET referral code 141814 to get an exclusive joining bonus.
B. BankSathi
BankSathi operates similarly to ZET, giving you access to 50+ financial products with seamless payout tracking.
- Referral Benefit: Flat 10% lifetime referral income from every sale made by your invited team members.
- Payout Mode: Instant bank withdrawal or Paytm wallet transfer.
- Referral Code: Use BankSathi referral code 24241604 to register.
C. GroMo
GroMo is another popular platform that features insurance, Demat accounts, and credit line referrals with excellent training webinars for new distributors.
- Referral Benefit: ₹500 on your friend’s first sale plus 5% lifetime earnings.
- Referral Code: GroMo referral code XKMZ8296.
2. Best Demat Account Refer and Earn Apps (Highest Cash per Account)
Stockbroking platforms consistently lead the list of the best refer and earn apps in India due to high customer acquisition budgets. You can earn ₹300 to ₹750 per successful Demat account opening:
- Angel One Referral Code: Get ₹300 to ₹750 worth of shopping vouchers (Amazon/Flipkart) per successful account opening and first trade.
- Upstox Referral Code: Earn up to ₹200 to ₹500 direct bank cash per friend who completes their paperless Demat KYC.
- Dhan Referral Code: Earn 20% lifetime brokerage sharing directly credited to your ledger every month.
- 10 Best Demat Account Refer and Earn Apps in India: View our dedicated full breakdown of trading referral rewards.
3. Best UPI Refer and Earn Apps Without KYC (Instant Bank Transfer)
UPI apps are the most trusted, frictionless best refer and earn apps in India without KYC because anyone with a bank account can earn instant cash with just a ₹1 transaction:
- Google Pay Referral Code: Use code dt6op0n to get ₹21 instant bank cashback. Earn ₹101 to ₹201 for every friend you invite (up to ₹9,000/year).
- PhonePe Referral Link: Earn flat ₹100 direct cashback when your friend links their bank account and makes their first payment.
- Paytm UPI: Gives up to ₹100 direct bank cashback per invited user.
- Amazon Pay UPI: Offers ₹25 – ₹50 instant shopping or wallet cashback.
- 10 Best UPI Refer and Earn Apps in India: Explore all active instant payment reward apps.
4. Best Gaming & Micro-Task Refer and Earn Apps Without Investment
For students looking for quick pocket money without requiring PAN card verification or bank account linking, these apps provide fun and reliable payouts:
- Lovely Plants: Virtual plant growing game. Get 1,000 points on signup with invite code A2ND9H plus 20% referral commissions. Withdraw via PayPal or gift cards.
- Lovely Pet: Virtual pet care app. Get 1,000 points on signup with invite code 58G5K3. Fast cashouts to PayPal and Paytm.
- mGamer: Play mobile games and complete surveys. Earn 250 coins + 10% commission with referral code m1K1sWpW9l.
- EarnEasy: Complete simple app installs and get ₹15 – ₹50 per friend with instant withdrawals to Paytm or UPI from ₹50.
- Sikka: Earn task coins and get 100% referral match when your invited friend completes 3 offers.
- AttaPoll: High-paying international survey app with instant cashouts to PayPal or Amazon vouchers.
5. Best Education & Upskilling Referral Apps (Highest Single Payouts)
Online learning and certification platforms reward referrers with some of the biggest cash bonuses and fee discounts in the country:
- upGrad Referral Link: Earn up to ₹50,000 per enrolled friend on Data Science, MBA, and Tech degrees, while your friend gets up to ₹80,000 in fee waivers.
- Testbook Referral Code: Use code P8DP3L for 12% off Testbook Pass Pro. Referrers earn up to 20% direct UPI cashback.
- Physics Wallah Referral Code: Get ₹1,000 off batches with code 6281KUZA.
- Unacademy Referral Code: Instant 5% to 10% discount on live subscription packages.
6. Best Credit Card & Bill Payment Apps
- CRED: Up to ₹1,000 cashback when your invited friend pays their first credit card bill.
- Scapia Credit Card: ₹1,000 equivalent in Scapia travel coins (usable for 100% flight and hotel redemptions).
- Kiwi UPI Credit: Flat ₹250 cash to bank when your invitee activates their RuPay credit card on UPI.
- CashKaro: 10% lifetime commission on all cashback your friends earn on Amazon, Flipkart, Myntra, and Nykaa.
- MyMints: Earn 100 Mints per invite (50 Mints signup bonus) convertible 1:1 into Flipkart SuperCoins.
Frequently Asked Questions: Best Refer and Earn Apps in India
Which are the best refer and earn apps in India for daily cash?
The best refer and earn apps in India for daily cash are UPI apps like Google Pay (code: dt6op0n) and PhonePe for instant bank credits, and financial reselling platforms like ZET and BankSathi for ₹1,000+ daily payouts.
Which refer and earn apps give money without KYC?
Apps like Google Pay, PhonePe, Paytm, EarnEasy, Lovely Plants, and CashKaro do not require PAN card or Aadhaar KYC to start referring and earning rewards.
Which app gives the highest refer and earn payout in India?
Higher education platforms like upGrad offer up to ₹50,000 per enrolled friend. For financial products, ZET (OneCode) offers up to ₹3,000+ per approved credit card referral.
How can I withdraw my referral earnings?
Most of the best refer and earn apps in India support instant withdrawals via direct UPI transfer, IMPS bank transfer, Paytm wallet, or digital gift cards (Amazon/Flipkart).
Are referral earnings in India taxable?
Yes. Any referral earnings deposited into your bank account are considered taxable under “Income from Other Sources”. Certain platforms like ZET and BankSathi may deduct 5% TDS under Section 194H if annual payouts exceed statutory limits.