In the fast-evolving digital world of 2025, earning money through refer-and-earn apps has become one of the easiest and most accessible ways to boost income. But what if you want to earn without the hassle of KYC (Know Your Customer) verification? That’s where no-KYC referral apps come into play. These platforms let you refer friends and earn rewards instantly, often with no requirement for Aadhaar, PAN card, or bank details.
In this blog post, we’ll explore the 10 best refer and earn apps that pay instantly without KYC in 2025. These apps are popular in India, trustworthy, and offer quick withdrawals via UPI, wallets, or direct transfer.
Table of Contents
Refer and earn apps reward users for inviting others to use their platform. You get a unique referral link or code, and when someone signs up using it, both you and the new user receive a bonus. These bonuses can range from real cash to coupons or wallet credits.
Here’s our curated list of top-performing refer and earn apps in 2025 that pay instantly and don’t ask for KYC:
Halo Ludo is a fun gaming app where users can earn real money by playing 50+ games, Like Ludo, Carrom, and referring friends. With an instant referral bonus and no KYC required, it has quickly gained popularity among users looking for quick earnings.
- Referral Bonus: ₹45 per friend + 30% Commission on Friend’s Recharge.
- Withdrawal Method: UPI / Bank
- Pros: Instant payout, no KYC needed, Daily Free Bonus.
- Cons: App size is slightly large
For More Details – Click Here
BigCash is one of the best and most trusted refer-and-earn apps in India. It allows you to earn money by playing games and inviting friends. No KYC is required to start, and earnings can be withdrawn once
the minimum balance is reached.
- Referral Bonus: ₹20 per friend + 2 Lakhs from monthly leaderboard
- Withdrawal Method: UPI / Bank
- Pros: Variety of games, instant reward
- Cons: Limited withdrawal slots in a day
For More Details – Click Here
IndiaPolls offers users the chance to earn rewards by participating in surveys and polls. It also provides a generous refer-and-earn program with no KYC verification needed.
- Referral Bonus: ₹25 per friend
- Withdrawal Method: Amazon / Phonepe / Flipkart Gift Cards
- Pros: Easy polls, high earning potential
- Cons: Limited number of surveys per day
For More Details – Click Here
Suncrypto is a crypto trading platform that offers rewards for referring users, even without KYC. You earn crypto rewards that can be traded or withdrawn once KYC is completed (only if you want to trade).
- Referral Bonus: Upto ₹250 in Bitcoin equivalent
- Withdrawal Method: Bank
- Pros: High referral value, growing market
- Cons: Limited to crypto users
Share & Earn is a fast-growing referral app designed for anyone who wants to earn passive income by simply sharing product deals and offers. With over 1 million downloads and a 4.4+ star rating on Google Play Store, it’s trusted by students, homemakers, and professionals alike.
How it works:
Once you sign up using your mobile number, you can access a list of the latest deals across various e-commerce platforms. You just need to share these deals with your friends and followers on WhatsApp, Telegram, or social media. Every time someone clicks on your shared link, you earn a commission—no KYC required!
Key Features:
- Referral Bonus: Earn from every click on your shared link
- Withdrawal Method: UPI / Bank
- Pros: No KYC needed – quick mobile OTP signup
- Cons: Income depends on the number of clicks – not fixed
Winzo is a real money gaming platform where you can earn by playing games and referring friends. The best part? No KYC is needed to earn from referrals.
- Referral Bonus: ₹60 per friend
- Withdrawal Method: UPI / Bank
- Pros: Instant Reward
- Cons: Addictive gameplay can lead to time/money loss
For More Details – Click Here
India’s top UPI app, PhonePe, offers a reliable refer and earn program. you can earn rewards instantly just by referring users.
- Referral Bonus: ₹100 on first transaction
- Withdrawal Method: UPI linked to bank
- Pros: Trusted platform, cashback options
- Cons: Most people already have this app
Google Pay remains one of the most popular UPI apps. Its refer-and-earn system offers scratch cards and rewards with no KYC requirement.
- Referral Bonus: ₹201 per Refer
- Withdrawal Method: UPI linked to bank
- Pros: High reward potential, simple UI
- Cons: Most people already have this app
Rozdhan offers various earning options such as reading articles, checking news, and referring friends. It pays instantly via Paytm or UPI and does not ask for KYC.
- Referral Bonus: ₹25 per user + bonuses
- Withdrawal Method: UPI linked to bank
- Pros: : Fast payout, easy tasks
- Cons: Limited daily earning cap
Moneyview is a financial services app that allows users to check credit scores, apply for loans, and refer users. Referrals earn you cashback even without full KYC.
- Referral Bonus: Upto ₹4,000 for every friend who takes a loan
- Withdrawal Method: UPI / Bank
- Pros: : Financial tools, real payouts
- Cons: : Loan features need KYC
Refer and earn apps have transformed how people in India earn passive income. Whether you’re a student, homemaker, or a working professional, you can easily use these refer and earn apps without
KYC to generate instant payouts.
To maximize your earnings:
- Share your referral links on WhatsApp, Telegram, Facebook
- Write short reviews or testimonials
- Use multiple apps to diversify your income
Pro Tip: Always read app reviews on Play Store before downloading. Stay away from apps that ask for unnecessary permissions.
Start using any of the 10 best refer and earn apps that pay instantly without KYC in 2025 and enjoy
secure, hassle-free earnings!
Keywords Recap: refer and earn without KYC, no KYC apps India 2025, instant payout apps, refer and earn 2025, no KYC required earning apps, BigCash app, Rozdhan, Winzo, PhonePe refer and earn
Can I earn real money from refer and earn apps without KYC?
Yes, many apps offer real cash rewards without asking for any KYC. You just need to refer your friends or complete simple tasks to earn money that you can withdraw via UPI or Paytm.
Are refer and earn apps without KYC safe to use?
Most popular apps like WinZO, PhonePe, and Google Pay are secure. However, always download apps from the Google Play Store and avoid sharing sensitive personal data.
Which app gives instant payout without KYC?
Apps like Rozdhan, Share & Earn, and IndiaPolls offer instant UPI withdrawals without any KYC requirements.
Which app gives ₹100 per referral?
As of 2025, several refer and earn apps offer up to ₹100 or more per referral, but Google Pay is one of the most popular apps that consistently offers ₹100 for every successful referral. Once your friend installs the app using your invite link and completes a few simple steps, both of you get a bonus. Other apps like Rozdhan, Suncrypto, and IndiaPolls also run referral campaigns where you can earn ₹100 or more during special offers or events.
Which is the biggest earning app?
The biggest earning app in India as of 2025 is WinZO, especially in the gaming and reward-based category. With over 10 crore+ downloads, WinZO allows users to earn money through games, contests, and referrals. Some users earn thousands per month by consistently playing and referring friends.
Other top-earning apps include:
- PhonePe – through cashback and referral rewards
- Google Pay – offering cash rewards via promotions
- BigCash – for daily earnings through games and referrals
- Suncrypto – for earning crypto rewards without KYC
Disclaimer: The referral rewards, offers, and policies mentioned in this post are subject to change at the discretion of the respective app providers. We strive to keep the information updated, but we do not guarantee the accuracy or availability of any rewards. Please verify the latest details directly from the official app or website before participating. Use these apps responsibly and at your own risk. For more information, kindly refer to our Privacy Policy & Disclaimer.
Earning money games