Commission Based Apps in India: Looking for a way to earn extra income without taking up a traditional second job? Commission based apps have become a popular option in India, especially for people who are comfortable recommending products, sharing deals, helping customers apply for financial services, or building a small local network.
Unlike simple refer-and-earn apps that usually pay a one-time bonus, commission based apps can pay you whenever a qualifying sale, application, transaction, or purchase is completed through you. In some cases, that can create repeat income rather than a single referral reward.
The important part is choosing a genuine platform and understanding exactly what triggers a payout. Commission rates, product availability, eligibility rules, and payment timelines can change frequently, so the figures below should be treated as current examples rather than guaranteed earnings.
Here are 10 of the best commission based apps and platforms available in India in 2026, based on their earning model, product range, accessibility, and publicly available payout information.
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Top 10 Commission Based Apps in India: Quick Comparison
| App | Main Earning Method | Best For |
|---|---|---|
| GroMo | Selling financial products | Financial product referrals |
| ZET Partner | Credit cards, loans and bank accounts | High-value financial referrals |
| BankSathi | Financial product sales | Beginners and part-time earners |
| EarnPati | Financial product referrals | Fast payout seekers |
| EarnKaro | Affiliate product links | WhatsApp, Telegram and social sharing |
| ExtraPe | Affiliate sales | Deal sharing |
| Wishlink | Creator affiliate commissions | Instagram and YouTube creators |
| CashKaro | Referral earnings and cashback | Online shoppers and casual referrals |
| PayNearby | Banking and digital-service transactions | Retailers and distributors |
| Spice Money | Banking and assisted-service transactions | Local entrepreneurs and retailers |
1. GroMo – Commission Based Apps
Best for: Selling financial products such as credit cards, loans, savings accounts and demat accounts
GroMo is one of the most visible commission-based earning platforms in India. Instead of selling physical products, users can recommend financial products to people in their network.
The basic process is straightforward: register as a GroMo partner, learn about the available products, share an eligible product with a customer, and earn a commission when the required approval or activation conditions are completed.
GroMo says its platform has more than 60 lakh partners and offers products across categories such as credit cards, loans, bank accounts and investment-related accounts. Its website also promotes zero-investment onboarding and training for partners.
The amount you earn depends heavily on the product. For example, a successful credit-card application may pay differently from a savings-account opening or loan disbursal.
Why GroMo stands out
- Wide range of financial products
- No physical inventory to manage
- Training resources for beginners
- Suitable for people with a strong offline or online network
- Potentially higher payouts than ordinary app referrals
Keep in mind that financial-product commissions are only paid when the customer completes the qualifying requirements. An application alone may not always generate income.
2. ZET Partner – Commission Based Apps
Best for: Credit card and loan commissions
ZET Partner, previously known as OneCode, is another popular financial-product distribution app.
Partners can recommend credit cards, loans, savings accounts and demat accounts from different financial institutions. According to ZET Partner’s current website, partners can earn up to ₹4,000 on eligible credit-card sales, up to ₹5,000 on loans, and up to ₹800 on bank or demat account sales, depending on the product and qualifying conditions.
ZET also states that partner payouts are processed weekly. Its Google Play listing says payments are sent directly to a partner’s bank account and describes the app as requiring no upfront investment.
Why ZET Partner is worth considering
- Good range of banking and lending products
- Clearly defined product-wise commission opportunities
- Weekly payout structure
- Useful sales and marketing tools
- Suitable for part-time as well as serious financial-product sellers
For people who already help friends, relatives or customers choose credit cards and loans, ZET can be more rewarding than a standard fixed referral program.
3. BankSathi – Commission Based Apps
Best for: Beginners who want to sell financial products
BankSathi lets users earn commissions by connecting customers with financial products such as loans, credit cards, savings accounts and demat accounts.
Its app listing explains that users earn when leads are successfully converted into sales, with earnings transferable to a bank account or supported wallet. The platform also includes a referral feature under which users can earn a percentage of qualifying earnings generated by people they invite.
Individual products have their own rules. For example, some demat-account offers require a successful account opening and, in certain cases, a first trade before commission becomes payable.
What makes BankSathi useful
- Multiple financial-product categories
- No need to keep inventory
- Lead tracking inside the platform
- Referral income in addition to product commissions
- Good fit for people with a customer-facing background
The biggest thing to watch is the qualification requirement. A customer clicking your link is generally not enough; the required account-opening, approval, funding or other milestone must be completed.
4. EarnPati – Commission Based Apps
Best for: Financial referrals with relatively quick payout processing
EarnPati is a newer commission platform focused on financial products.
Users can recommend products such as bank accounts, credit cards and demat accounts and receive a commission after the sale is successfully validated.
The company currently advertises up to ₹2,000 for selected bank-account products and up to ₹500 for selected demat accounts, while other commissions vary by campaign.
EarnPati’s payment policy says validated sales can qualify for same-day payment under its stated processing conditions. It also lists referral earnings equal to 10% of eligible earnings generated by direct referrals, paid according to its referral-payment schedule.
Why EarnPati may appeal to beginners
- Zero-investment joining model
- Multiple financial categories
- Training and support
- Commission plus referral-income model
- Fast payment positioning
As with every platform on this list, always check the live payout shown inside the app before recommending a product because campaigns can change.
5. EarnKaro – Commission Based Apps
Best for: Affiliate marketing through WhatsApp, Telegram, Instagram and other social platforms
EarnKaro works differently from financial-selling apps.
Instead of convincing someone to apply for a loan or credit card, you can create special Profit Links for eligible products and retailers. When someone purchases through your tracked link and the order qualifies, you receive a share of the affiliate commission as profit.
EarnKaro’s official FAQ explains that users can create a Profit Link from supported retailer links and share it through platforms such as WhatsApp and Facebook. Earnings become payable after the retailer confirms the transaction.
Its terms also currently provide a 10% referral fee based on qualifying Profit earned by members you successfully refer, subject to the program’s rules.
Why EarnKaro is popular
- No need to buy or stock products
- Works well with deal-sharing communities
- Suitable for Telegram, WhatsApp and social-media pages
- Huge variety of shopping categories
- Recurring referral-income opportunity
If you already run a deals group, coupon page, YouTube channel or shopping-focused social account, EarnKaro can be particularly useful.
6. ExtraPe – Commission Based Apps
Best for: Sharing shopping deals and earning affiliate profit
ExtraPe follows a model similar to affiliate deal-sharing platforms.
Users can take eligible product links, convert them into tracked earning links, and share them through WhatsApp, Facebook, Telegram or other social platforms. When a qualifying purchase happens through the link, the user earns profit.
ExtraPe’s official site says users can join for free and earn when sales are generated through shared Profit Links. It also advertises a referral program under which users can earn 10% of qualifying profit generated by invited users, subject to platform terms.
Why ExtraPe makes the list
- Easy link-sharing model
- No physical selling required
- Suitable for deal groups and communities
- Affiliate plus referral earnings
- Beginner-friendly concept
Your results will depend largely on how many people actually shop through your links, so having an audience is much more valuable than simply sending links randomly.
7. Wishlink – Commission Based Apps
Best for: Instagram and YouTube creators
If you create fashion, beauty, lifestyle, tech or shopping content, Wishlink is one of the more interesting commission platforms in India.
Wishlink is built specifically around creator commerce. Creators can share product links from participating brands and earn commissions when their content drives eligible purchases.
The platform says it works with 250+ brands and gives creators tools for product linking, analytics, automated comment-to-DM engagement and creator storefronts.
Unlike EarnKaro, which can be useful even if you mainly share deals privately, Wishlink is better suited to people who already publish content on Instagram or YouTube.
Why creators may prefer Wishlink
- Designed specifically for influencers and content creators
- 250+ participating brands
- Product-link monetisation
- Performance analytics
- Brand collaboration opportunities
- Comment and DM automation tools
For creators with a genuinely engaged audience, commission income can sometimes be more scalable than relying only on sponsored posts.
8. CashKaro – Commission Based Apps
Best for: Online shoppers who also want recurring referral earnings
CashKaro is mainly known as a cashback platform rather than a traditional sales app, but its referral structure makes it relevant to commission-based earning.
CashKaro earns affiliate commission when users shop through participating retailers and passes part of that commission back as cashback.
Its current referral program states that you can receive 10% of your referral’s qualifying Cashback or Rewards amount when their earnings are confirmed.
That means it can generate recurring referral earnings rather than paying only once when someone signs up.
Why CashKaro is a practical option
- Well suited to everyday online shopping
- Large number of participating stores
- Cashback plus referral earnings
- No product-selling experience required
- Bank, UPI and selected gift-card redemption options
CashKaro is generally better for casual users than someone trying to build a full-time commission business.
9. PayNearby – Commission Based Apps
Best for: Shop owners, distributors and local digital-service businesses
PayNearby is different from most apps in this list because it is built around assisted financial and digital services.
Retailers can use PayNearby to offer services such as Aadhaar-enabled payments, money transfers, bill payments, account-opening services and other digital transactions.
The company says retailers can offer 25+ products and services through its platform, while distributors can earn commissions from transactions completed by retailers in their network.
Why PayNearby can be attractive
- Multiple services from one platform
- Transaction-based income
- Useful for existing shopkeepers
- Potential for repeat customer business
- Distributor network model
This is not the best choice if you simply want to share a referral link from home. It makes more sense for people who run a shop, customer-service point or local distribution business.
10. Spice Money – Commission Based Apps
Best for: Rural and semi-urban retailers or digital-service entrepreneurs
Spice Money operates a large assisted digital-services network through its Adhikari and distributor ecosystem.
Partners can facilitate services including Aadhaar-enabled banking, account opening, cash collection, loans, bill payments, travel and other customer services.
Spice Money says distributors can earn commissions from transactions generated through their network, while its current distributor page promotes earnings of up to ₹6 lakh per year as a marketing estimate rather than a guaranteed income figure.
Why Spice Money may be useful
- Banking and payment services
- Multiple customer-facing revenue streams
- Strong focus on Bharat and smaller cities
- Transaction-based commission model
- Suitable for retailers and entrepreneurs
For someone who already interacts with dozens of local customers every day, this model can potentially be more useful than affiliate shopping links.
Which Commission Based Apps Is Best in India?
There is no single app that will be best for everyone.
If your strength is selling financial products, GroMo, ZET Partner, BankSathi and EarnPati are the most relevant options.
If you have a WhatsApp group, Telegram channel, blog or deal-sharing audience, EarnKaro and ExtraPe are easier to work with.
If you’re an Instagram or YouTube creator, Wishlink is much more purpose-built for content monetisation.
And if you own a retail shop or local service business, PayNearby and Spice Money offer a completely different opportunity based on customer transactions rather than social referrals.
How to Earn More From Commission Based Apps
Downloading ten apps at once usually isn’t the smartest approach. Pick one or two platforms that match the kind of audience you already have.
For example, if most people in your network ask you about credit cards and personal loans, learning the products properly on GroMo or ZET Partner will probably be more useful than sharing shopping links.
On the other hand, if you run a Telegram deals channel with thousands of active members, affiliate platforms such as EarnKaro or ExtraPe may make more sense.
A few simple habits can improve results:
- Recommend products that genuinely fit the customer’s needs.
- Read the payout conditions before sharing anything.
- Avoid making false claims just to close a sale.
- Track which products and channels actually convert.
- Focus on a specific niche instead of promoting everything.
- Keep records of pending, confirmed and rejected commissions.
- Never ask customers to share OTPs, PINs or passwords with you.
Are Commission Based Apps Safe?
The business model itself is legitimate, but that does not mean every earning app on the internet is trustworthy.
A genuine commission platform normally earns money from a real transaction, product provider, retailer or financial institution and shares part of that revenue with the partner.
Be cautious if an app:
- Requires a large upfront deposit before you can earn.
- Promises guaranteed daily income regardless of sales.
- Pays mainly for recruiting more members.
- Asks you to transfer money to an individual’s bank or UPI account.
- Has no clear company information, terms or customer support.
- Encourages fake applications or self-referrals.
When financial products are involved, also make sure you follow the platform’s sales and compliance rules.
Final Thoughts on Commission Based Apps
Commission based apps can be a useful side-income option in India, but they are not automatic money-making machines.
The people who usually benefit most are those who already have one of three things: a network of potential customers, an engaged online audience, or a local business that serves regular customers.
For most beginners, GroMo and ZET Partner are strong choices for financial-product commissions, while EarnKaro is one of the easiest options for affiliate link sharing. Creators may find Wishlink more suitable, and retailers should look more closely at PayNearby or Spice Money.
Most importantly, compare the live commission shown inside each platform before promoting a product. Rates, campaigns, eligibility conditions and payout rules can change at any time.
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