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Are you looking for a way to earn some extra cash without making any investment? If yes, then refer and earn apps might be the perfect solution for you! These apps allow you to earn money by referring them to your friends, family, and acquaintances.

In this blog, we will be sharing with you the top 10 best refer and earn apps that you can use in 2023 to earn some extra bucks. We have handpicked these apps based on their popularity, user ratings, and payout methods. So, whether you are a student, a housewife, or someone who wants to earn some passive income, these apps are definitely worth checking out.

From cashback apps to shopping apps and everything in between, we have got you covered. So, sit back, relax, and read on to discover the best refer and earn apps without investment in 2023.

1. upGrad

upGrad Refer and Earn program allows you to earn up to Rs. 80,000 by referring your friends, family or acquaintances to upGrad's quality education programs. Simply share your unique referral link with them and when they enroll in any program, you will earn a cash reward. In addition to the monetary benefit, you can also help your loved ones enhance their careers with upGrad's industry-relevant courses. With upGrad's Refer and Earn program, you can simultaneously support your loved ones and earn rewards. Start sharing your referral link today and join the community of upGrad's successful learners.

2. Upstox

The Upstox referral program allows you to earn rewards by referring your friends to open an Upstox account. When your referral opens an account using your unique referral code, you earn ₹100. Additionally, when your referral places a trade, you earn another ₹100. This means that you can earn a total of ₹200 for each successful referral. The Upstox referral program is a great way to share your positive experience with Upstox with your friends and family and earn some extra cash. Start referring your friends today and enjoy the benefits of the Upstox referral program.

3. EarnKaro

EarnKaro's Refer and Earn program allows you to earn a flat 10% profit on your friends' shopping activity for a lifetime. When you invite your friends to join EarnKaro, and they shop through the platform, you earn a 10% commission on their cashback amount, every time they shop. This means that you can earn a passive income by simply referring your friends to EarnKaro. The more friends you refer, the more you can earn. With EarnKaro, you can enjoy the benefits of cashback and earn extra income at the same time. Join the EarnKaro Refer and Earn program and start earning a lifetime of 10% profits today.

4. CashKaro

By inviting your friends to join the platform, CashKaro's Refer and Earn program offers an opportunity to earn additional income effortlessly. Through this program, you can receive a flat 10% profit on your friends' cashback earnings every time they make a purchase via CashKaro. This implies that by recommending CashKaro to your friends, you can earn a continuous source of passive income. The more referrals you make, the more you can increase your earnings. CashKaro provides cashback on a diverse range of products and services, making it a one-stop destination for all your online shopping requirements. Take advantage of the CashKaro Refer and Earn program now to earn a lifelong 10% profit.

5. Zepto

Zepto is a leading online grocery delivery service that promises to deliver your groceries within just 10 minutes. With Zepto's Refer and Earn program, you can earn 25% off your next order by inviting your friends to use the platform. Joining the Zepto Referral Program is simple and straightforward, and you can start earning discounts right away. With a vast selection of groceries and household essentials available, Zepto is an excellent option for those who want to save time and hassle. Join the Zepto Referral Program now and start enjoying fast, convenient grocery delivery while earning discounts on your orders.

6. Airtel Thanks

Airtel Thanks Refer and Earn program provides you with an opportunity to earn ₹50 for every referral you make. With this program, you can share your referral code with your friends and family, and when they sign up for Airtel Thanks using your code, you earn a discount of ₹50 on your next recharge or bill payment. The more referrals you make, the more discounts you can earn. Airtel Thanks offers a range of benefits, including premium content, exclusive deals, and rewards. Join the Airtel Thanks Refer and Earn program today and start earning discounts on your Airtel services while sharing the benefits with your loved ones.

7. MobiKwik UPI

With MobiKwik UPI Refer and Earn program, you can earn cashback when you invite your friends to join MobiKwik and they make their first payment using UPI. When your friends sign up using your referral link, and they make their first UPI payment, you receive a cashback of ₹100. This means that the more friends you refer, the more cashback you can earn. MobiKwik is a digital wallet and payment gateway that offers a wide range of services, including mobile recharges, bill payments, and online shopping. Join the MobiKwik UPI Refer and Earn program today and start earning cashback while sharing the benefits of this platform with your friends.

8. IND Money

INDmoney Refer and Earn program is an excellent way to earn rewards while enjoying the benefits of a super finance app. INDmoney is an all-in-one app that helps you save, plan, and invest across your family members. With INDmoney, you can directly invest in US stocks at zero commission, zero commission investing, and open a 2-in-1 super account for free. By referring your friends to INDmoney, you can earn a sign-up bonus of Rs. 1000 for each referral. You can withdraw the amount to your bank account by trading and selling shares. Join the INDmoney Refer and Earn program today and start earning rewards while sharing the benefits of this platform with your friends.

9. Skrill

With Skrill Refer and Earn program, you can earn rewards while enjoying the benefits of fee-free money transfers. Skrill is a digital wallet that allows you to send and receive money online. When you refer your friends to Skrill, you can earn £10 depending on your country and enjoy fee-free money transfers when sending money directly to a bank account. This program is separate from the main Skrill service, and it works similar to TransferWise. Join the Skrill Refer and Earn program today and start earning rewards while enjoying fee-free money transfers.

10. Wise

Wise Refer and Earn program allows you to send and receive money from abroad with the best exchange rate while earning rewards. With Wise, you can avoid huge fees and unfair exchange rates charged by banks when transferring money abroad. Wise uses the real mid-market exchange rate, which is the fairest rate available, and only charges a small service fee that is shown upfront. By referring your friends to Wise, you can earn rewards while enjoying the benefits of sending and receiving money with the best exchange rate. Join the Wise Refer and Earn program today and start earning rewards while avoiding bank fees and unfair exchange rates.

In conclusion, refer and earn apps have become a popular way for people to earn some extra cash without any investment. In this blog, we have discussed the top 10 best refer and earn apps that you can use in 2023. These apps offer different ways to earn money such as referral bonuses, cashbacks, and rewards.

We started with upGrad, a learning app that offers referral bonuses for recommending their courses to your friends. Upstox, EarnKaro, and CashKaro are cashback and shopping apps that let you earn by referring your friends to make purchases on the app. Zepto is a cashback app that lets you earn by referring your friends to make utility bill payments.

Airtel Thanks, MobiKwik UPI, and IND Money are all financial apps that offer rewards for referring your friends to use their services. Skrill is a money transfer app that offers a referral bonus for inviting your friends to join the app. Lastly, Wise is a global money transfer app that offers referral bonuses for inviting your friends to join and transfer money using the app.

In summary, these apps offer different ways to earn money without any investment. You can choose the one that best suits your needs and start earning today!