Best Refer & Earn Apps To Earn Easy Money in 2024

In today’s digital age, earning extra cash on the side has become easier. Referral programs offered by various apps and platforms allow you to earn rewards, cashback, discount vouchers, or even straight-up cash by simply referring your friends and family to sign up. This article covers 7 of the best refer and earn apps in 2024 that let you make easy spare money through word-of-mouth marketing.

Refer & Earn Apps to Make Extra Money

1. MyFIRST Partner App

MyFirst Partner App LT | IDFC FIRST Bank

With the MyFIRST Partner App, you can tap into an exciting way to make money simply by recommending personal loans to others. Each time someone you’ve referred secures a loan via the app, you’re rewarded with a commission. It’s an effortless and effective method to earn extra income by making the most of your contacts, all through the ease of your mobile device. This is one of the top refer earning app that you must use in 2024.

2. Upstox

Upstox Broker Products and Services 2023 - DematDive

Upstox is a leading stock trading and demat account platform in India that offers an attractive referral program. If someone signs up on Upstox using your referral link and completes their first transaction, you can earn brokerage credits worth ₹500. Additionally, if the person you referred maintains a balance of ₹25,000 in their demat account for a month, you earn ₹1000.

3. Zerodha

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As India’s largest stockbroker, Zerodha’s refer and earn program called “Z-Refer” can be highly lucrative. For every friend who opens a demat account using your referral code, activates it by trading within 30 days, and has a total brokerage of over ₹100 in the first year, you earn brokerage credits equal to ₹200. These credits can be redeemed to get exciting gift vouchers from top brands.


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CRED is a premium credit card management and rewards app that lets you refer your contacts to join. When someone signs up on CRED using your referral code and pays their first credit card bill, you get ₹750 added to your CRED coins wallet. This can be used to redeem exclusive rewards or cashbacks from premium brand partners on the CRED merchant network.

5. MobiKwik

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MobiKwik offers a simple yet rewarding referral program – for every friend who downloads the app via your invite code and signs up, you earn ₹50. The earnings can be withdrawn easily into your bank account or redeemed to shop on Flipkart, BigBasket, and many more popular online stores. With cash rewards for successful referrals and no upper limit, MobiKwik is a neat way to monetise your social connections.

6. 5Paisa appoints former Google executive Narayan Gangadhar as CEO -  Trade Brains

5Paisa lets you refer friends for its trading and demat account opening services. If someone opens a 5Paisa trading account using your referral link and completes their first order or transaction successfully within 30 days, the brokerage fee amount earned will be split between you and 5Paisa as cash incentives deposited into respective accounts automatically.

7. Google Pay

Official Google Pay news and updates | Google Blog

Lastly, Google Pay also has an inviting referral scheme allowing you to earn up to ₹501 for each friend that joins the GPay platform via your shared invite link. The earnings are credited instantly to your GPay wallet and can be used for mobile recharges, utility bill payments, online shopping on Google Pay, and more. With over 150 million users in India, tapping your social network with GPay referrals can quickly add up and convert to tangible rewards.


Referral marketing is a time-tested way to monetise your sphere of influence. Popular fintech apps today offer lucrative incentives for bringing new users on board, making it fairly precise to earn extra cash as a side hustle in 2024. So tap into your friend circles or social media followers with these referral codes and seamlessly boost income streams.


Jeffery D. Silvers
Love and share my articles, I will be happy to react on it ! Spent 2002-2009 promoting weed whackers in Edison, NJ. Earned praise for importing junk food for fun and profit. Spent 2001-2006 exporting teddy bears in Atlantic City, NJ. Had some great experience investing in tattoos in Fort Walton Beach, FL. Spent 2002-2007 selling action figures in the aftermarket. Enthusiastic about working on basketballs on the black market.