PhonePe Refer & Earn Offer : Rs 100 Referral Code

PhonePe by Flipkart is now India’s one of the best UPI app which is downloaded by over 50 Crore users nationwide. After long wait, PhonePe has launched Refer & Earn program and interestingly you can transfer earned money directly into bank account. Or the money deposited in wallet can be used on online merchants like Flipkart, Foodpanda, Swiggy & Jabong.

PhonePe is powered by YesBank & it allows user to transfer money instantly to any bank account seamlessly with the help of mobile number on unique UPI id. You can even recharge mobile, dth & pay bills using wallet money. Splitting bills, sending money to friends, requesting money are some of its essential features.

phone pe referral code

PhonePe Refer & Earn Offer

1] Download phonepe app in your android phone & register using mobile number & password. Then create your unique UPI id.

2] If you have never used PhonePe UPI before then only you are eligible for this offer. You will receive 100 Rs cashback after linking bank account to phonepe.

3] Now open left sidebar > click on “invite & earn” option.

4] There you will get your referral link like this: (Note that the screenshot shown below is old one, phonepe has increased referral amount from 20 rs to 100 rs).

invite and earn money in bank

6] Now send it your friends who are new to PhonePe & ask them to download app through your link only. There is no need to enter any referral code.

7] When your friend does any transaction through phonepe for the first time, you get 100 rs bonus in wallet.

8] Cashback will be credited within 24 hours.

9] (Not confirmed) There is no cap on referral earnings.

Proof :

phonepe referral proof

If you have any other doubts regarding this offer, then ask your question directly here. Don’t forget to checkout other phonpe wallet offers given on spycoupon!


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  1. I tried so many times referring to my friends,but i didn’t get money.Then to find where is the problem,i shared my link to gmail and clicked on that link,then i saw that that url is is just but there is no any my referral id after that think this is why i am not gettiing money.Please help me how to get my referral id

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