Best UPI Apps to Refer & Earn in India: Referral Bonus List
apps8 apps comparedverifiedVerified offerseventUpdated 12 Sept 2026
Every major UPI app in India pays a small cashback to new users who sign up with a referral code or link — typically ₹20 to ₹200, credited after the first successful UPI payment or bank transfer. The catch is always in the fine print: the bonus is for genuinely new accounts, most apps need a first qualifying transaction (a merchant payment usually counts, a transfer to yourself usually doesn't), and the cashback sometimes lands as a scratch card or in-app voucher balance rather than money in your bank.
This page compares every UPI and payments app on ReferralHunt that has a live referral offer. The table is built from the same verified offers as each brand page, so when a code or bonus changes there, it changes here too.
UPI & Payments referral bonuses compared
| App | What you get | Bonus | KYC | Code |
|---|---|---|---|---|
| Google Pay (GPay) | Earn Instant Cashback on Your First UPI Payment | ₹201 | Not needed | Get codearrow_forward |
| Super Money | Up to ₹200 Real Cashback on First UPI Scan & Pay | ₹200 | Not needed | Get linkarrow_forward |
| BHIM | Instant Cashback on First UPI Money Transfer | ₹150 | Not needed | Get codearrow_forward |
| Paytm | Flat ₹100 Cashback on First UPI Money Transfer | ₹100 | Not needed | Get linkarrow_forward |
| PhonePe | Earn Cashback on Your First UPI Transaction | ₹100 | Not needed | Get linkarrow_forward |
| CRED | Get ₹50 Cashback on Your First Bill Payment | ₹50 | Needed | Get linkarrow_forward |
| Amazon Pay | Earn Up to ₹50 Cashback on First UPI Payment | ₹50 | Not needed | Get codearrow_forward |
| Wise (formerly TransferWise) | Get a Fee-Free International Money Transfer | — | Needed | Get codearrow_forward |
All UPI & Payments referral codes
Google Pay (GPay)
UPI & Payments
Receive an instant sign-up cashback reward (typically ₹21) directly into your linked bank account after completing your first successful payment.
Referral Code
d82td5x
Super Money
UPI & Payments
Earn up to ₹200 instant cashback on your first merchant payment or UPI transfer using the referral link or code.
Referral Link
Click to view offer
BHIM
UPI & Payments
Get up to ₹150 instant cashback upon setting up BHIM UPI and completing initial qualifying money transfers.
Referral Code
siHHDv
Paytm
UPI & Payments
Get up to ₹100 instant cashback on your first bank transfer or UPI payment.
Referral Link
Click to view offer
PhonePe
UPI & Payments
Earn exciting welcome cashback (up to ₹100) credited directly to your PhonePe gift voucher balance after completing your first UPI transaction.
Referral Link
Click to view offer
CRED
UPI & Payments
Receive an assured ₹50 cashback to reduce your next bill when you sign up and make your first credit card payment of ₹100 or more.
Referral Link
Click to view offer
Amazon Pay
UPI & Payments
Earn up to ₹50 instant cashback upon successfully setting up Amazon Pay UPI and completing your first transaction.
Referral Code
D6QIDT
Wise (formerly TransferWise)
UPI & Payments
Unlock a fee-free international money transfer (up to a specific limit, typically around £500 or equivalent in your local currency) on your very first transaction.
Referral Code
kothurimanvanths
How to pick the right UPI referral offer
- Read the trigger, not the headline number. "Up to ₹200" usually means the full amount needs a merchant payment or a minimum transaction size — the "what you get" column spells out the condition.
- KYC changes the effort. A pure UPI app only needs your bank account linked and a UPI PIN set. Anything tied to a credit card or bill payment (CRED, for example) needs full KYC before the cashback is released.
- One app, one bonus. Referral rewards are per new account. You can claim a different app's bonus, but never the same app twice, and an existing install won't qualify.
- Check where the money lands. Google Pay pays its sign-up cashback into your linked bank account; PhonePe credits a gift-voucher balance that stays inside the app. Both are real money, but only one is spendable anywhere.
FAQ
Which UPI app gives the highest referral bonus?
It changes as apps start and pause campaigns. The comparison table above is sorted by the current maximum bonus and is generated from live offers, so it reflects what is active today rather than a fixed ranking.
Do I need KYC to get a UPI referral cashback?
Not for most pure UPI apps — linking a bank account and setting a UPI PIN is enough. Offers tied to credit cards or bill payments need full KYC first. The KYC column in the table shows this per app.
Can existing users use a UPI referral code?
No. Every UPI referral bonus is for new accounts only, usually checked against your phone number and device. If you have already registered on the app, the code will be rejected or the cashback will not trigger.
Why didn't my UPI referral cashback arrive?
The usual reasons: the first transaction didn't meet the condition (a self-transfer or a very small payment often doesn't count), the code was entered after signing up instead of during, or the account isn't new. Most apps credit a qualifying bonus within a few days; if it hasn't arrived by then, check the app's rewards or offers section before contacting support.
Guides for these apps
- articleGoogle Pay Referral Code: Get Cashback on Your First UPI Pay
- articleSuper Money Referral Code: Get ₹200 Cashback on UPI
- articleBHIM App Referral Code: Get ₹150 Cashback
- articlePaytm UPI Referral Code: Get ₹100 Cashback
- articlePhonePe Referral Code: Get Up to ₹100 Cashback
- articleCRED Referral Code: Get ₹50 Cashback on First Bill Payment
- articleAmazon Pay UPI Referral Code: Get ₹50 Cashback
- articleWise Referral Code: Get Your First Transfer Fee-Free