Google Pay referral code is dt6op0n. Enter this invite code before making your first UPI transaction or register via the Google Pay referral link to receive an instant ₹21 cashback directly credited to your linked bank account. You can also refer friends to Google Pay and earn ₹101 to ₹201 for every referral, up to ₹9,000 per financial year.
Google Pay Referral Offer (2026)
Get flat ₹21 instant bank cashback on your 1st payment of ₹1+
*Valid for new Google Pay accounts in India. Payouts credited directly to bank account.
Where to Enter Google Pay Referral Code (Step-by-Step)
To receive your ₹21 sign-up cashback, you must apply the referral code before sending your first payment. Follow these exact steps:
1. Download and install Google Pay from the Google Play Store or Apple App Store, or click the Google Pay Referral Link.
2. Select your preferred language and enter your mobile number linked to your bank account (the SIM card must be inside your phone for SMS verification).
3. Verify your phone number with the automated OTP and choose your Google account.
4. Link your bank account by selecting your bank from the list. Google Pay will send a secure verification SMS to authenticate your UPI account.
5. Crucial Step — Enter Referral Code: Before sending any payment, tap your Profile picture in the top right corner of the Google Pay home screen.
6. Tap the three dots (Menu) icon in the top right corner and select Referral code.
7. Type Google Pay referral code dt6op0n and tap Apply. A success message confirming code activation will appear on screen.
8. Send a minimum payment of ₹1 or more to any friend, merchant UPI ID, or scan a QR code. As soon as the transaction completes, ₹21 cashback is deposited directly into your bank account.
Why Was the Google Pay Referral Reward Not Received?
If you or your invited friend didn’t receive the referral bonus, check the most common reasons under Google Pay’s promotional policy:
- Payment Made Before Entering Code: The referral code must be applied before your first payment. If a transaction is completed prior to entering code dt6op0n, the bonus cannot be unlocked.
- Existing User or Re-installed Device: Google Pay bonuses only apply to completely new users. If the mobile number, linked bank account, or device had previously registered a Google Pay account, the reward is ineligible.
- 28-Day Expiry: The qualifying first payment must take place within 28 days of applying the referral code.
- Regional Restriction: In accordance with local legislation (Tamil Nadu Prize Schemes Prohibition Act), referral cashback programs are not available to residents of Tamil Nadu.
- Annual Reward Limit Reached: Each referrer can earn up to a maximum cap of ₹9,000 per financial year (April 1 to March 31).
Google Pay Refer and Earn: Earn Up to ₹9,000 Per Year
Once your Google Pay account is active, you can earn referral cash for inviting new users to UPI.
1. Open Google Pay and scroll down to the Promotions section.
2. Tap on Referrals or Invite Friends.
3. Your unique invite code and shareable referral link will be displayed.
4. Share the link directly via WhatsApp, SMS, or Telegram. When your friend joins and makes their first payment of ₹1+, your reward (typically ₹101 to ₹201) is credited straight to your bank account.
Google Pay UPI Daily Transaction Limits
As per NPCI (National Payments Corporation of India) guidelines, UPI transactions across all platforms follow these standard limits:
- Daily Maximum Amount: Up to ₹1 Lakh (₹1,00,000) per day across all peer-to-peer UPI transactions. (Certain merchants like educational institutions and healthcare allow up to ₹5 Lakhs).
- Maximum Number of Transactions: Up to 20 transactions within a rolling 24-hour window across all UPI apps.
- First 24-Hour Limit: When setting up UPI or resetting your UPI PIN on a new device, a temporary safety limit of ₹5,000 applies for the first 24 hours.
Best UPI Refer & Earn Apps (Google Pay Alternatives)
If you want to maximize your cashback from daily mobile payments, these top UPI apps also offer high-value signup bonuses and refer-and-earn rewards:
- PhonePe Referral Code & Link: Earn instant scratch cards and wallet cashback on bills and recharges.
- Paytm UPI Referral Code: Get direct bank cashback and Paytm reward points on peer transfers.
- Amazon Pay UPI Referral Code: Flat shopping cashback, bill payment offers, and instant rewards.
- BHIM UPI Referral Code: Official NPCI app with zero ads and seamless bank-to-bank transfers.
- 10 Best UPI Refer and Earn Apps in India (2026): Complete ranking of highest-paying referral apps.
Frequently Asked Questions (FAQs)
What is the latest Google Pay referral code for 2026?
The active Google Pay referral code is dt6op0n. Entering this code before your first payment gives you an instant ₹21 cashback credited directly to your linked bank account.
Where do I enter the referral code in the Google Pay app?
Open Google Pay, tap your Profile picture in the top right corner, tap the three dots (Menu), select Referral code, enter dt6op0n, and tap Apply.
Can I enter a referral code after signing up on Google Pay?
Yes, you can manually enter the referral code anytime after creating your account, provided you have not yet completed your first transaction. Once you make your first payment, the referral entry option is permanently locked.
What qualifies as an eligible first payment to get ₹21 cashback?
You only need to complete a minimum transaction of ₹1 to any UPI user, contact phone number, bank account transfer, or by scanning any merchant QR code within 28 days of code application.
How long does it take to receive the ₹21 referral cashback?
The ₹21 cashback is usually credited instantly or within 24 to 48 hours directly into your primary linked bank account. You can also view the confirmation scratch card in the Rewards section.
How much can I earn from the Google Pay Refer & Earn program?
You can earn ₹101 to ₹201 for every friend who joins using your invite link and sends their first payment, up to a maximum cap of ₹9,000 per financial year (April 1 to March 31).
Why is the “Referral code” option missing or not working in my app?
The referral option is automatically hidden if: (a) you have already made a transaction, (b) the mobile number or phone was previously registered with Google Pay, or (c) your account location is set in Tamil Nadu where referral prize schemes are restricted by law.
Where can I track my earned Google Pay referral rewards?
Open the Google Pay app, scroll down to the Promotions section, and tap Rewards. Here you will see all earned scratch cards, direct bank transfer confirmations, and lifetime cashback earnings.