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Financial technology fintech has revolutionised the way we manage our finances in India. With the rise of mobile devices and internet accessibility, it has never been easier to manage your finances from the comfort of your own home. Among the many fintech offerings, the best financial apps in India offer not only ease of use, but also lucrative referral programs that allow users to earn money through referring friends and family. These apps offer a win-win situation, allowing users to manage their finances and earn extra income at the same time. In this blog, we will explore some of the best financial apps in India with the most lucrative referral programs, and how they can help you grow your wealth.


Here are some lists of the best financial app referral programs you should try:

1. NiyoX

NiyoX is a financial management app that has recently partnered with Equitas Small Finance Bank to offer a cutting-edge solution for managing your finances. With NiyoX, you can now open a bank account, invest in mutual funds, and make digital payments, all from one app. And, with the NiyoX referral program, you can earn up to ₹200 for every friend you refer to the app.


To participate in the referral program, simply invite your friends to sign up for NiyoX using your unique referral link. For every friend who signs up and completes their first transaction, you'll earn ₹100. There's no limit to the number of friends you can refer, so the earning potential is unlimited.


Not only does NiyoX offer a comprehensive financial management solution, but it also provides an opportunity for users to earn extra income through its referral program. So why wait? Sign up for NiyoX today and start taking advantage of its many benefits, including the opportunity to earn up to ₹200 with its referral program.


3. INDMoney

INDMoney is a super finance app that provides a one-stop solution for managing your finances. Not only does INDMoney help you save, plan, and invest across your family members, but it also allows you to directly invest in US stocks at zero commission. With INDMoney, you can open a 2-in-1 super account for free and enjoy the benefits of zero account opening fees.


In addition to its comprehensive financial management features, INDMoney also offers a referral program that allows you to earn a signup bonus of ₹1000. By referring your friends and family to the app, you can not only help them take control of their finances, but also earn money for yourself.


Once you've earned your signup bonus, you can easily withdraw the amount to your bank account by trading and selling shares. With INDMoney, you can enjoy the best of both worlds: a comprehensive financial management solution and the opportunity to earn extra income through its referral program. So why wait? Sign up for INDMoney today and start taking advantage of its many benefits!


4. OneCard

OneCard is India's best metal credit card, providing its users with a seamless and secure experience. The card is packed with features, such as unlimited lounge access, worldwide acceptance, exclusive rewards and cashback. One of the most exciting features of OneCard is its refer and earn program, which lets you earn up to 1000 Rs just by referring your friends and family to the card.


5. Upstox

Upstox Refer and Earn is a win-win situation for both you and your friend. By referring your friend to sign up for an Upstox account, you will earn a referral bonus, and your friend will get the benefit of using a trusted online trading platform. The referral bonus amount varies from time to time and ranges from Rs 200 to Rs 1200. 


Once your friend opens an account and starts trading, you will receive the referral bonus in your Upstox account. The bonus can be used to trade or withdrawn to your bank account. It's a great opportunity for you to earn some extra money and for your friend to start investing and trading with the help of a secure and user-friendly platform like Upstox. So, don't miss out on this chance and refer your friends to Upstox today!


6. Groww

Groww Refer and Earn program offers you a chance to earn a reward of ₹100 for each friend you refer to open a demat account on Groww. Demat account is an essential requirement for anyone who wants to invest in the Indian stock market. By referring your friend to open a demat account on Groww, you will not only help them to start investing but also earn a referral reward. 


The process of referring a friend is simple, all you have to do is share your unique referral code with your friend and ask them to use it while opening a demat account on Groww. Once your friend opens a demat account, you will receive ₹100 in your Groww account. You can start your friend's investing journey with a trustworthy and user-friendly platform like Groww by referring them. Let's get your friends started with Groww! So don't wait any longer and start referring to them!


7. CRED

CRED Refer and Earn program is a unique reward system offered by the CRED app. The app rewards its members for making monthly credit card bill payments. CRED members get reward points for every single bill payment they make, and these reward points can be redeemed for specially curated rewards and privileges. 


The program also offers a referral bonus of up to Rs. 250 for the first credit card bill payment made by a referred friend. To participate in the Refer and Earn program, all you need to do is share your referral code with your friends and ask them to join CRED using your code. 



Once your friend makes their first credit card bill payment, you will receive the referral bonus in your CRED account. This is a great opportunity for you to earn some extra rewards for simply paying your credit card bills on time, and for your friend to start managing their credit card payments in a more organised and rewarding manner. So, don't miss out on this chance and refer your friends to CRED today!


The best financial apps in India offer a range of services, including investment management, budgeting, and digital payments, and also incentivize users to refer their friends and family by offering attractive rewards. By participating in these referral programs, users can not only manage their finances more efficiently, but also grow their wealth over time. Whether you are looking to invest, save, or just manage your finances, the best financial apps in India with lucrative referral programs are definitely worth considering. So why wait? Start taking advantage of these opportunities today and watch your wealth grow!