📱
UPI & Payment Apps ✓ Verified Program

PhonePe

★ 4.6 (100M+ reviews) • Published: Oct 23, 2026 • Updated: Oct 23, 2026
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Verified Reward Offer ₹100 to ₹150 Cashback on 1st Friend UPI Payment
🔍 Editorial Review & Testing Notes

Market leader in UPI payments in India with 99.9% uptime and immediate merchant settlements.

📄 About PhonePe

PhonePe is an Indian digital payments and financial technology company. Millions of merchants across India accept PhonePe QR codes, and the app regularly runs reward campaigns for user transactions and peer referrals.

💰 How the Referral & Earning Program Works

Invite friends to make their first UPI transaction using PhonePe to receive instant wallet cashback or scratch cards credited directly into your account.

✅ How to Sign Up & Claim Your Reward

  1. Install PhonePe through the invite link.
  2. Authenticate your registered mobile number via SMS.
  3. Link your savings bank account.
  4. Send ₹1 or more via UPI to receive your welcome bonus.

⚠ Eligibility & Important Conditions

New user must link an Indian bank account via UPI that was never previously linked on PhonePe.

❓ Frequently Asked Questions about PhonePe

Gift card / wallet cashback can be used for recharges, bill payments, and merchant purchases.