Looking for the best UPI refer and earn apps in India for 2026 to make quick, legitimate cash? Unlike task or survey apps where earnings stay trapped in third-party wallets, active UPI referral programs deposit money directly into your linked bank account within seconds of your friend completing their first UPI payment.
If you have friends, family members, or colleagues opening new bank accounts or setting up UPI for the first time, you can earn anywhere between ₹25 and ₹250+ per invite. Below is our verified, tested list of UPI apps in India, including current active reward rates and status updates on which programs are currently paused.
Looking for stock brokers, financial reselling, and gaming apps too? Check our master guide on the 40+ Best Refer and Earn Apps in India.
Quick Comparison: UPI Refer and Earn Apps (2026 Status)
| UPI App | Referral Reward | Friend Benefit | Program Status | Payout Mode |
|---|---|---|---|---|
| Google Pay | ₹51 – ₹201 | ₹21 Cashback | Active | Instant to Bank |
| PhonePe | ₹100 – ₹200 | Welcome Scratch Card | Active | Instant to Bank |
| Kiwi UPI | ₹250 Flat Cash | Welcome Kiwis | Active | Instant to Bank |
| BHIM UPI | ₹40 – ₹50 | Bill Discounts | Active | Direct Bank Credit |
| Paytm UPI | ₹100 Cashback | Welcome Voucher | Active | Instant to Bank |
| HDFC PayZapp | ₹25 – ₹50 | CashPoints | Active | CashPoints / Wallet |
| MobiKwik UPI | ₹20 Cashback | ₹20 Cashback | Active | MobiKwik Wallet |
| Airtel Thanks UPI | Cashback Offers | Bill Discounts | Active | Airtel Wallet / Bank |
| Amazon Pay UPI | Periodic Offers | Shopping Rewards | Currently Paused | Amazon Balance / Bank |
| FreeCharge UPI | N/A | Recharge Cashback | Discontinued | Freecharge Wallet |
1. Google Pay (GPay) – Active
Google Pay is India’s most popular UPI payment application. Whenever an invited friend enters your referral code before sending their very first ₹1 to any UPI ID or contact, you receive ₹51 to ₹201 directly into your bank account, and your friend gets ₹21 welcome cashback.
- Referral Reward: ₹51 to ₹201 (special festive promotions reach ₹301)
- Friend Welcome Bonus: ₹21 after first successful payment
- Google Pay Referral Code:
JJ1uh - Requirement: Friend must enter referral code in profile settings before making their first transaction
- Read More: Google Pay Referral Code & Bonus Claim Guide
2. PhonePe – Active
PhonePe is India’s market leader in UPI transaction volume. PhonePe uses link-based tracking rather than manual codes. When your friend taps your personal invite link, installs the app, links their bank account, and makes their first money transfer, you earn ₹100 flat cashback.
- Referral Reward: Flat ₹100 (credited as scratch card / wallet cashback)
- Tracking: Direct download link (no code entry required)
- Read More: PhonePe Referral Link & Step-by-Step Instructions
3. Kiwi UPI (RuPay Credit Card on UPI) – Active
Kiwi is India’s fastest-growing UPI credit app, partnering with Axis Bank to issue virtual lifetime-free RuPay credit cards on UPI. Because credit card rewards are far higher than normal debit UPI, Kiwi currently offers one of the highest payouts in the entire UPI segment.
- Referral Reward: Flat ₹250 directly into your bank account
- Benefit: 2 Kiwis (cash points) for every ₹50 spent via scan & pay on UPI
- Read More: Kiwi Referral Code & RuPay UPI Setup
4. BHIM UPI (NPCI) – Active
Developed directly by NPCI, BHIM is government-backed and ultra-secure. BHIM runs periodic cashback and referral initiatives where referring new users gives you up to ₹50 direct bank cashback upon their first bill payment or merchant transfer.
- Referral Reward: Up to ₹50 direct bank credit
- BHIM Referral Code:
3nncPx - Read More: BHIM UPI Referral Code & Offers
5. Paytm UPI – Active
Paytm remains an indispensable app for bill payments, recharge, movie tickets, and everyday transactions. By linking any bank account to Paytm UPI and sharing your invite link, you receive up to ₹100 per successful referral when your friend completes their first payment.
- Referral Reward: ₹100 cashback deposited into your linked bank account
- Read More: Paytm UPI Referral Link & Details
6. HDFC PayZapp UPI – Active
Re-launched with a sleek interface, HDFC’s PayZapp is open to customers of any bank. It rewards users with CashPoints on merchant payments and bill settlements, with special referral bonuses when your invitees register and link their accounts.
- Referral Reward: ₹25 – ₹50 worth of reward points
- PayZapp Referral Code:
bookofer - Read More: HDFC PayZapp Referral Code & Monthly Offers
7. MobiKwik UPI – Active
MobiKwik offers ₹20 per referral when an invitee creates a new MobiKwik UPI handle and makes their initial money transfer. Referral links update dynamically, so always share fresh links directly from the app.
- Referral Reward: ₹20 for referrer + ₹20 for referee
- Read More: MobiKwik UPI Referral Link & SuperCash Tips
8. Airtel Thanks UPI – Active
Airtel Thanks provides built-in UPI functionality powered by Airtel Payments Bank or linked external bank accounts. Users can earn cashback rewards and bill payment discounts on their first few UPI money transfers.
- Referral Status: Active promotional campaigns
- Read More: Airtel UPI Referral Code & Offers
9. Amazon Pay UPI – Currently Paused
Amazon Pay allows users to create a personalized UPI ID ending in @apl or @rapl. Previously, users could earn ₹25 to ₹75 per referred friend.
Current Status Update (2026): Amazon Pay is currently not offering a continuous round-the-year referral amount. Instead, Amazon runs referral cashback offers periodically during festival shopping events (such as the Great Indian Festival). You can still apply a friend’s referral code during setup for potential welcome shopping rewards.
- Amazon Pay Referral Code:
1N6DWY - Read More: Amazon Pay UPI Referral Code & Cashback Rules
10. FreeCharge UPI – Program Discontinued
FreeCharge previously offered ₹10 cashback on UPI referrals for new users making an initial transaction of ₹50.
Current Status Update (2026): Freecharge has discontinued its referral earning program. While you can continue to use FreeCharge for electricity bill payments, DTH recharges, and UPI transfers, no referral bonuses are currently credited for inviting new users.
- FreeCharge Referral Code:
73JCjw - Read More: FreeCharge UPI Referral Code & App Details
Frequently Asked Questions (FAQ)
Which UPI app currently gives the highest refer and earn bonus?
Currently, Kiwi UPI gives the highest payout at flat ₹250 when an invited user activates their RuPay credit card on UPI. Among regular savings account UPI transfers, Google Pay (up to ₹201) and PhonePe (₹100) are the top active choices.
Do Amazon Pay and FreeCharge currently pay for referrals?
No. Both Amazon Pay and FreeCharge have paused or discontinued their fixed round-the-year referral cash bonuses in 2026. If you want guaranteed referral cash, use active apps like Google Pay, PhonePe, Paytm, or Kiwi.
Where does UPI referral cashback get deposited?
In Google Pay, PhonePe, and Paytm, referral rewards are deposited directly into your linked primary savings bank account via IMPS/UPI. In wallet-based apps like MobiKwik, cashback goes to your in-app wallet balance.