Best UPI Refer and Earn Apps List 2025 To Make Money Free

Here is a list of the Top UPI Refer and Earn Apps List 2025:

• Google Pay UPI
• PhonePe UPI
• Paytm
• Amazon Pay UPI
• Freecharge UPI
• Mobikwik
• Navi UPI
• Cred UPI
• Airtel Payments Bank
• Slice
• Jupiter UPI
• Bajaj Finserv UPI
• Groww UPI
• PayZapp by HDFC Bank
• FamPay

UPI Refer and Earn Apps Features, Pros & Cons

Here are the complete details about all these apps:

App Name	Features	Pros	Cons	Pricing
Google Pay UPI	Seamless UPI payments, rewards, bill payments, integration with Google ecosystem	Easy to use, secure, fast transactions	Limited cashback offers for existing users	Free
PhonePe UPI	UPI payments, utility bill payments, mutual fund investments, insurance	Wide range of services, reliable	Occasional transaction delays	Free
Paytm	UPI, wallet, recharges, shopping, mutual funds, insurance	Multifunctional, cashback offers	App can feel cluttered	Free
Amazon Pay UPI	UPI payments, integration with Amazon shopping, bill payments	Easy for Amazon users, fast checkout	Limited UPI-specific rewards	Free
Freecharge UPI	UPI payments, recharges, financial services	Simplified UI, cashback offers	Limited to certain merchants	Free
Mobikwik	UPI, wallet, recharges, credit line	Offers “Buy Now, Pay Later” services	Higher service fees on some transactions	Free
Navi UPI	UPI payments, financial products like loans, and investments	Financial services integration	Limited adoption at merchants	Free
Cred UPI	UPI payments, credit card management, bill reminders	Unique rewards for transactions	Limited to credit-conscious users	Free
Airtel Payments Bank	UPI payments, banking services, recharges	Banking and UPI in one app	Limited cashback offers	Free
Slice	UPI payments, “Buy Now, Pay Later” features, exclusive offers	Great for young professionals	Limited merchant partnerships	Free
Jupiter UPI	UPI payments, personal finance tracking, exclusive banking features	Banking and UPI integrated	Banking services are India-specific	Free
Bajaj Finserv UPI	UPI payments, loans, EMI management	EMI integration, financial tools	App can be overwhelming for basic users	Free
Groww UPI	UPI payments, mutual fund investments, stock trading	Investment and UPI in one platform	Limited general-purpose features	Free
PayZapp by HDFC Bank	UPI payments, card-based offers, bill payments	HDFC integration, exclusive offers	Limited appeal for non-HDFC users	Free
FamPay	UPI payments for teens, card for online and offline transactions	Kid-friendly interface, parental control	Limited features for adults	Free

15 Best UPI Apps to Simplify Your Payments

Unified Payments Interface (UPI) apps have revolutionized the way we handle transactions, offering seamless and secure digital payments. Here’s a detailed look at 15 popular UPI apps, including their features, benefits, and drawbacks.

1. Google Pay UPI

Features:

• Secure and fast UPI payments.
• Bill payments and recharges.
• Rewards and cashback for transactions.

Pros:

• Simple interface.
• High-security standards.
• Integration with the Google ecosystem.

Cons:

• Limited cashback compared to competitors.

Best For:

Everyday transactions and utility bill payments.

2. PhonePe UPI

Referral Reward: ₹200 per referral (subject to terms) Joining Bonus for New Users: ₹200

Features:

• Supports UPI payments, recharges, and bill payments.
• Integration with mutual funds and insurance.
• Offers wallet and gold investments.

Pros:

• Versatile app.
• Great for financial products.
• Easy to use.

Cons:

• Occasional server issues during peak hours.

Best For:

Comprehensive financial management.

3. Paytm

Features:

• UPI payments, wallet, and financial services.
• Movie ticket bookings and travel.
• Cashback offers and deals.

Pros:

• Extensive feature set.
• Widely accepted.

Cons:

• Spammy notifications.

Best For:

All-in-one digital payments.

4. Amazon Pay UPI

Features:

• UPI transactions linked to an Amazon account.
• Shopping and utility payments.
• Exclusive offers for Amazon users.

Pros:

• Great for Amazon shoppers.
• Seamless payment experience.

Cons:

• Limited features outside the Amazon ecosystem.

Best For:

Frequent Amazon users.

5. Freecharge UPI

Features:

• UPI payments and wallet.
• Bill payments and recharges.
• Investment options.

Pros:

• Fast and reliable.
• Simplifies small transactions.

Cons:

• Limited acceptance compared to other apps.

Best For:

Quick and easy transactions.

6. Mobikwik

Features:

• UPI payments, wallet, and credit line.
• Bill payments and insurance.
• Cashback and rewards.

Pros:

• Offers a unique credit line.
• User-friendly interface.

Cons:

• Limited merchants accept Mobikwik wallets.

Best For:

Transactions with a credit line.

7. Navi UPI

Features:

• Fast UPI payments.
• Integration with financial products.
• Low-cost personal loans.

Pros:

• Streamlined financial services.
• Minimalistic design.

Cons:

• Limited features outside loans and payments.

Best For:

Loan management with UPI payments.

8. Cred UPI

Features:

• UPI payments and bill payments.
• Exclusive rewards for credit card bill payments.
• High-end user experience.

Pros:

• Great rewards program.
• Excellent design and usability.

Cons:

• Targeted at credit card users.

Best For:

Credit card management and UPI.

9. Airtel Payments Bank

Features:

• UPI payments, savings account, and wallet.
• Insurance and investment options.
• Special offers for Airtel users.

Pros:

• Comprehensive banking features.
• Convenient for Airtel customers.

Cons:

• Limited appeal for non-Airtel users.

Best For:

Airtel users looking for banking solutions.

10. Slice

Features:

• UPI payments and credit line.
• Cashback offers.
• Simple and clean interface.

Pros:

• Focused on millennials.
• No annual fees.

Cons:

• Limited financial services.

Best For:

Young users looking for UPI with credit.

11. Jupiter UPI

Features:

• UPI payments with personalized financial insights.
• Zero-balance savings account.
• Cashback rewards.

Pros:

• Designed for modern users.
• Great for budgeting.

Cons:

• New app with limited adoption.

Best For:

Budget-conscious users.

12. Bajaj Finserv UPI

Features:

• UPI payments with access to Bajaj Finserv services.
• Quick loans and EMI options.
• Wide range of financial products.

Pros:

• Ideal for Bajaj Finserv customers.
• Comprehensive financial services.

Cons:

• Not as user-friendly as other apps.

Best For:

Bajaj Finserv customers.

13. Groww UPI

Features:

• UPI payments are integrated with the investment platform.
• Stock and mutual fund investments.
• Simplified user experience.

Pros:

• Perfect for investors.
• Combines payments with investments.

Cons:

• Limited features for non-investors.

Best For:

Users interested in investments.

Read Also: 10 Best To-Do List Apps In 2025 To Improve Your Productivity

14. PayZapp by HDFC Bank

Features:

• UPI payments, wallet, and banking services.
• Exclusive offers for HDFC Bank users.
• Shopping and utility bill payments.

Pros:

• Reliable and secure.
• Great for HDFC Bank customers.

Cons:

• Limited appeal for non-HDFC users.

Best For:

HDFC Bank customers.

15. FamPay

Features:

• UPI payments for teenagers.
• Parental controls and insights.
• Prepaid card linked to the app.

Pros:

• Great for teens.
• Encourages financial literacy.

Cons:

• Limited to underage users.

Best For:

Teenagers and their parents.

Conclusion

These UPI apps cater to a wide variety of needs, from everyday payments to specialized financial services. Whether you’re managing credit, investing, or simplifying transactions, there’s a UPI app tailored for you. Explore these apps and choose the one that fits your lifestyle best.