Best UPI Refer and Earn Apps: UPI apps have made sending money ridiculously easy. Split a restaurant bill, pay your electricity bill, scan a QR code at a tea stall—it takes a few seconds.
But there’s another reason some people keep more than one UPI app on their phone: Best UPI Refer and Earn Apps.
Many payment apps reward you when you invite a friend, they sign up using your link or referral code, and complete a qualifying action. Depending on the app, you might get real cashback, reward coins, wallet credit, vouchers, or other benefits.
The tricky part is that referral offers change all the time. A ₹200 offer you see today could become ₹100 next week, while another app may suddenly launch a better promotion.
So, instead of relying on old referral screenshots floating around the internet, here are 10 of the best UPI refer and earn apps in India in 2026, based on currently available referral programs, reward potential, and how practical the app is for everyday use.
Important: Referral rewards and eligibility rules can change without notice and may even differ from one user to another. Check the live Refer & Earn section inside the app before sharing your link.
Best UPI Refer and Earn Apps in India: Quick Comparison
| App | Current Referral Reward | Main Requirement |
|---|---|---|
| Google Pay | Up to ₹201 | New friend joins and completes qualifying payments |
| Kiwi | ₹500 for many newer users | Friend gets eligible Kiwi RuPay credit card and makes first payment |
| Niyo | ₹250 in Niyo Coins | Friend successfully completes the qualifying referral/card journey |
| Paytm | ₹150 under current published offer | Friend joins/returns and completes first eligible UPI payment |
| super.money | Up to ₹100 per friend | Earn cashback as your referred friend earns eligible UPI cashback |
| MobiKwik | ₹100 SuperCash | Referred user joins and adds ₹50 under the referral terms |
| Navi | Campaign-based | Friend joins and completes the qualifying activity shown in the app |
| POP UPI | ₹25 + 100 POPcoins | Successful qualifying referral |
| CRED | Campaign-based | New member joins and makes an eligible payment |
| Slice | Campaign-based | Friend joins through your referral and meets campaign requirements |
Let’s look at each one in more detail.
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1. Google Pay – Best Overall Best UPI Refer and Earn Apps
If you want a referral program that is simple to explain to someone, Google Pay is probably the easiest place to start.
Google Pay currently says you can earn ₹201 when you invite a new friend. The referred friend can also receive a reward after making their first eligible payment.
The process is straightforward:
- Open Google Pay.
- Go to Offers & Rewards → Referrals.
- Share your invite link or referral code.
- Your friend signs up using your referral.
- They make their first qualifying payment within the required period.
Under the current offer, you can initially earn ₹101 after your friend’s first qualifying payment, with additional ₹25 rewards available through four weekly bonus quests, bringing the potential total to ₹201.
Google also limits the number of referral rewards and has an overall rewards cap of ₹9,000 per financial year. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
Why Google Pay ranks first
It’s already familiar to millions of Indian users, so convincing someone to try it is usually easier than explaining a lesser-known fintech app.
Best for: Anyone looking for a simple referral process and direct cashback-style rewards.
2. Kiwi – One of the Best UPI Refer and Earn Apps
Kiwi is a little different from Google Pay or Paytm.
It focuses heavily on RuPay credit cards on UPI, letting eligible users make UPI merchant payments using a linked RuPay credit card.
Its referral rewards can also be much higher than standard UPI referral offers.
According to Kiwi’s current rewards policy, users who joined Kiwi on or after January 9, 2026 can earn ₹500 per successful referral. Users who joined before that date may fall under an older structure offering ₹1,500 per referral. The referred user can receive a ₹100 joining bonus.
There is a catch.
Your friend does not qualify simply by downloading the app.
Their eligible RuPay credit card must actually be issued, activated, and used for the first payment through Kiwi before the referral reward is triggered.
Why Kiwi is worth considering
The reward is attractive, but the qualification process takes more effort than a basic UPI signup.
That makes Kiwi ideal when you know someone who already wants a RuPay credit card rather than someone who just wants another UPI app.
Best for: Higher referral rewards and people interested in credit cards on UPI. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
3. Niyo – Earn ₹250 in Niyo Coins
Niyo is better known for travel-focused banking and card products, but the app also supports UPI and has a referral program.
Niyo’s published rewards terms currently list 2,500 Niyo Coins, worth ₹250, for every successful referral, with referrals capped at 25 friends under the stated program.
The important thing to understand is that Niyo Coins are not exactly the same as cash sitting in your bank account.
Niyo says one coin is worth 10 paise, and the coins can be used toward eligible in-app services such as flight and hotel bookings.
Niyo’s referral terms also tie successful referral rewards to the friend completing the required card journey.
Why Niyo makes the list
₹250 per successful referral is competitive, especially if your friends are travellers who may actually use Niyo’s wider features.
Best for: Frequent travellers and users who can make use of Niyo Coins.
4. Paytm – Earn ₹150 Under the Current Refer & Win Offer
Paytm has been running referral campaigns for years, and its Refer & Win program remains one of the better-known options.
In Paytm’s April 2026 referral update, the company describes a ₹150 reward for a successful referral, where the referred user completes their first eligible UPI payment.
The basic process looks like this:
- Open Paytm.
- Search for Refer & Win or Refer & Earn.
- Share your referral link, code, or QR.
- Your friend joins through the referral.
- They complete the qualifying payment.
Paytm also provides an official referral flow explaining that the invited user needs to complete the required first transaction after joining.
Why Paytm is still a good referral app
Paytm isn’t useful only for sending money.
Your friend can also use it for QR payments, recharges, bills, travel bookings, and other services. That gives them a reason to keep the app even after completing the referral.
Best for: People who want an all-in-one payment app with a straightforward referral offer. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
5. super.money – Earn From Your Friend’s Cashback
The super.money referral program works differently from most others on this list.
Instead of giving you one fixed bonus immediately after your friend signs up, its Cashback Match program lets you earn as your referred friend earns cashback.
Once your friend joins through your link and completes their first valid UPI transaction, a 30-day referral period begins.
During that window, super.money can match up to 100% of the cashback your friend earns on eligible transactions. You can earn up to ₹100 from each referred friend, subject to the current terms and monthly limits.
For example, if your friend receives ₹10 cashback from an eligible payment, you may also receive up to ₹10.
Your earnings from one friend continue until either:
- The 30-day period ends, or
- You reach the ₹100 limit for that friend.
The current policy also lists a monthly referral cashback cap of ₹600, although super.money can change campaign limits.
Why super.money stands out
It’s more interesting if the people you refer actually keep using the app.
Instead of rewarding just the signup, the program encourages ongoing UPI activity.
Best for: People who prefer recurring referral cashback over a one-time bonus. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
6. MobiKwik – ₹100 SuperCash Referral Reward
MobiKwik is another long-running Indian payments app with both UPI and wallet features.
Its current Refer & Earn page says that you and your referred friend can each receive ₹100 SuperCash when the qualifying referral conditions are completed.
There is one important detail here. Best UPI Refer and Earn Apps
Under the published offer, the referred friend needs to add ₹50 to their MobiKwik wallet, and MobiKwik specifically says money added through net banking or UPI is not eligible for that particular referral reward.
So while MobiKwik is a UPI-enabled payments app, its current referral condition is more wallet-focused than Google Pay’s or Paytm’s.
Why MobiKwik is still worth checking
If you already use MobiKwik for wallet payments, bills, recharges, or UPI, the referral offer can still be useful.
Best for: Existing MobiKwik users who are comfortable earning SuperCash.
7. Navi – Referral Rewards Plus UPI Payments
Navi has become increasingly visible in the Indian UPI space. Best UPI Refer and Earn Apps
Its official Google Play listing confirms that Navi currently runs a referral program, allowing users to invite friends and unlock rewards for successful referrals. The app also supports UPI payments, bills, recharges, insurance, mutual funds, and digital gold.
Unlike Google Pay, Navi does not publish one permanent referral amount on its official app listing.
That is why you may see different Navi referral amounts mentioned online.
The safest approach is to open the Navi app and check the reward currently shown under the referral section before sharing your link.
Why Navi makes the list
It combines UPI with a broader financial-services app, which means a friend may have more reasons to continue using it after joining.
Best for: Users who want UPI plus other financial services in one app. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
8. POP UPI – ₹25 + 100 POPcoins Per Referral
POP is one of the newer names compared with Google Pay and PhonePe, but its referral offer is easy to understand.
The current POP app listing says users can receive ₹25 plus 100 POPcoins per referral.
POP combines UPI payments with a rewards ecosystem where users earn POPcoins and can access shopping offers across participating brands.
Why POP UPI is interesting
If you enjoy trying newer UPI apps primarily for cashback and rewards, POP may be worth a look.
The cash component is smaller than some of the offers above, but POPcoins can add extra value if you already use the ecosystem.
Best for: Cashback hunters and users interested in rewards on everyday payments. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
9. CRED – Referral Rewards for Eligible Members
CRED is mainly known for credit-card bill payments, but CRED UPI has become another major part of the app.
CRED also runs referral campaigns.
Its current terms say that a referral can qualify when a new member joins through the referral link and makes a payment of ₹100 or more within the campaign period.
However, CRED’s rewards are campaign-based rather than one permanent guaranteed ₹X-per-referral offer.
Some campaigns may involve rewards, prizes, or leaderboards based on the number of successful referrals.
That means you should check what your CRED account currently shows before telling a friend exactly what you will earn.
Why CRED is worth checking
If you already use CRED for card payments and UPI, there is no harm in checking whether a high-value referral campaign is active.
Best for: Existing CRED members with an active referral promotion. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
10. Slice – Invite Friends and Earn Campaign-Based Rewards
Slice has expanded from its earlier credit-focused product into a wider banking and payments app that includes UPI.
Its official terms contain an Invite & Earn program that allows eligible users to refer friends and family.
Slice states that qualifying users may receive rewards or cashback when referral campaign requirements are completed, but the exact eligibility and reward depend on the offer running at the time.
So don’t rely on a random blog claiming Slice always pays ₹200, ₹300, or ₹500.
Open the app and check your personal referral offer first.
Why Slice is on the list
It is worth considering if you already use Slice for banking or UPI and a good referral campaign is available on your account.
Best for: Existing Slice users with an active Invite & Earn offer. Best UPI Refer and Earn Apps, Best UPI Refer and Earn Apps
Which UPI Refer and Earn App Gives the Highest Reward?
If we look only at the currently published reward amount, Kiwi can offer one of the highest referral payouts, with ₹500 per successful referral for many users who joined from January 9, 2026 onward. Certain older eligible Kiwi users may have a ₹1,500 referral structure.
But that doesn’t automatically make Kiwi the easiest way to earn.
Your friend needs to successfully get an eligible RuPay credit card and make the required payment.
Google Pay, on the other hand, offers up to ₹201 with a much simpler signup-and-payment process.
So think about conversion, not just the headline reward.
A ₹500 reward that none of your friends qualify for isn’t as useful as a ₹150 or ₹201 reward that several people can complete easily.
How to Successfully Earn UPI Referral Rewards
Most referral programs follow roughly the same pattern:
You share your referral → Your friend joins → They complete the required action → The reward is credited.
But the details matter.
Here are a few things that can improve your chances of actually receiving the reward.
Share your referral before your friend downloads the app
This is one of the biggest mistakes people make.
Your friend installs the app first, and then you remember that you had a referral code.
By then, it may be too late.
Many apps require the user to register directly through your unique link or enter your referral code during signup.
Read the qualifying transaction rules
One app may require a ₹1 payment.
Another might require a merchant UPI transaction.
Another may require a credit card to be approved.
Never assume that any random ₹1 transfer will qualify.
Don’t refer existing users unless the offer allows it
Most referral programs are designed for new users.
Google Pay currently has a separate offer that can reward users for bringing back certain friends who have been inactive for at least 180 days, but this is not the same as its new-user referral offer.
Don’t create fake or self-referrals
Trying to open multiple accounts using your own device, bank account, or identity can result in rewards being cancelled or accounts being restricted.
super.money, PhonePe, MobiKwik and other platforms specifically include anti-fraud conditions in their referral terms.
UPI Referral Scams You Should Avoid
Whenever money and cashback are involved, scams follow.
A legitimate referral program should not require you to hand over your UPI PIN, OTP, debit-card PIN, or internet-banking password to another person.
Be especially careful if someone says:
“Scan this QR code to receive your referral cashback.”
That’s a major red flag.
A UPI PIN is generally used to authorize money going out of your account. You do not need to tell a stranger your UPI PIN to receive referral money.
Stick to links and codes generated inside the official app.
Which Best UPI Refer and Earn Apps Should You Use?
For most people, I’d divide the list like this:
Want the simplest referral?
Go with Google Pay or Paytm.
Want a higher potential payout?
Check Kiwi, especially if the person you’re referring wants a RuPay credit card.
Want ongoing referral cashback?
super.money has one of the more interesting structures.
Want rewards for travel-related use?
Look at Niyo.
Want to experiment with newer UPI reward apps?
Check POP UPI or Navi.
The smartest approach is not to sign up for every app simply because it promises cashback.
Use apps that are genuinely useful to you, then take advantage of the referral program when someone you know is planning to join anyway.
Frequently Asked Questions
Which is the best UPI refer and earn apps in India?
Google Pay is one of the best all-round choices because its referral process is simple and its current new-user referral offer can pay up to ₹201.
Which UPI app gives ₹500 per referral?
Kiwi currently lists ₹500 per successful referral for users who joined Kiwi on or after January 9, 2026, subject to its RuPay credit-card referral requirements.
How much does Paytm give for referring a friend?
Paytm’s published April 2026 Refer & Win offer describes a ₹150 referral bonus for a qualifying successful referral. Offers may change, so check your app before sharing.
Can I earn ₹250 through a best UPI referral apps?
Paytm’s published April 2026 Refer & Win offer describes a ₹150 referral bonus for a qualifying successful referral. Offers may change, so check your app before sharing.
Can I earn real money from UPI referrals?
Niyo currently lists 2,500 Niyo Coins worth ₹250 for a successful referral under its published rewards program.
Does super.money have Refer and Earn?
Yes. Its current Cashback Match referral program lets eligible users earn matching cashback for up to 30 days after a referred friend’s first valid UPI transaction, capped at ₹100 per friend under the current terms.
Does Navi have a referral program?
Yes. Navi’s current official app listing confirms that it offers referral rewards for successful referrals, although the exact reward may depend on the campaign shown in your account.
Can UPI referral rewards be treated as guaranteed income?
No. Referral programs are promotional offers. Rewards depend on eligibility, qualifying transactions, campaign limits, and the platform’s terms. They can also be changed or withdrawn.
Final Thoughts
The best UPI referral program isn’t necessarily the one with the biggest number written on the banner.
For most people, Google Pay and Paytm are easier to refer because the signup process is familiar. Kiwi can offer a much higher reward but has stricter requirements. super.money is interesting because you can earn based on your friend’s cashback activity, while Niyo, Navi, POP, MobiKwik, CRED, and Slice give you additional options depending on the rewards available in your account.
Whichever app you choose, check the latest terms before sharing your link.
Referral offers move quickly, and a blog post can only capture what is available at a particular point in time. The live offer displayed inside your app should always be your final reference.
Disclaimer: Referral rewards, cashback values, eligibility criteria, transaction requirements, limits, and campaign availability can change without notice and may differ between users. This article is for informational purposes only. Verify the current offer inside the official app before participating.
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