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Next to affiliate marketing, refer and earn sites are widely utilized one to build a passive income online.

Interest income, rental income, and royalties are also the better way to build passive income but they need huge investment to make considerable money. To get daily updates on money earning tips, Please join our telegram channel : SocialTalky20 (search in telegram)

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But either affiliate marketing or refer and earn programs require huge efforts to make considerable money.

I recently came across a Linkedin post where the Gentleman threw the question to everyone “What do you do if you lose your job tomorrow?”.

Read: How to start a real estate business in India with no money?

Many people accepted they are economically challenged and few stated they will lose the comfort they are enjoying now but only three or four including me commented in a positive way.

We are making passive income through blog or rental or through other means so we are financially less threatened.

Though the question was thrown for discussion it may happen in real to anyone at any time.

Building a second sustainable income is the best way to become independent of others. The Internet made this possible in the 21^st century through many options.

If you are the one looking for lucrative refer and earn sites then this post will be the useful for you forever.

This is a long read but divided under categories so to jump to the respective section press ctrl+F search for the below keywords for easy navigation.

Refer and earn sites in Academics

Simplilearn – On referring your friends to take any provided online course you get an amazon voucher and your friend gets 15% discount on course cost.
Apna course – On referring your friends you get Apna points which could be redeemed later.
Lynda.com –You get referral money when you introduce your friends to Lynda for the membership program.

Refer and earn sites in Banking and Trading

1.ICICI Bank – When you promote their bank products like pockets to your friends and family you will be rewarded. Anyone can join and reap the benefits you need not have ICICI bank account.

2.Citibank – This referral program is exclusively for Citibank users or you can create an account and start referring. When you refer Citi credit cards to your circle you will be rewarded Rs.2000/- directly into your Citibank account its direct money, not points.

The maximum amount you can make is Rs.9999/- in a financial year (April – march)

3.Angel Broking – Whenever you bring new signups and they do trading, you will be rewarded.

4.Asnani – You will be paid 10% brokerage generated from your referrals. Even you can refer a family member with same address of yours.

5.ZeroShulk – This is one of the lucrative deals. You get 20% of the brokerage generated each time a trade is done. For example, if your referral pays Rs.999/- you get Rs.198/-. Maximum up to 50% you can earn.

6.Coinbase – Coinbase is a popular platform for buying and selling cryptocurrencies like Bitcoin, Ethereum, Litecoin etc. Get $10 bonus for signing up and $10 more when you refer a friend.

7. Wealthsimple – Wealthsimple is a robo-investment service to invest your money in low cost index funds. This service is currently available only in US, UK and Canada. You will receive $50 sign-up bonus or $10,000 wealth managed for free. You will get $10,000 managed for free every time you refer someone.

Cashback and deals refer and earn sites

1.CashKaro – You can make more here. When your referral makes Rs.5000/- cashback you will get Rs.500/-(10%) as a referral bonus.

By referring more friends, you could generate a decent income from this program.

Payment apps refer and earn

1. RozDhan – Rozdhan is one of the best-earning apps in the play store. You will also find interesting content in this app. There are various ways to earn money. You can refer your friends to this app.

Also, you can earn money by sharing and reading articles. If you love playing mobile games, then you are going to love this app. They are also paying money for playing games.

You can get Rs. 50 bonus for joining this app. They are paying Rs. 50 per refer. You will also earn money if your friends are inviting their friends.

2. PhonePe – PhonePe is the most famous UPI payment apps in India. They are alsousing the UPI system for making payments. You can pay your bills by using thisapp. Also, you can send money to your friends and family.

If you are looking for a secure way to send money, then PhonePe is perfect for you. They are also paying Rs. 100 per referral. Thus, you can earn money by inviting your friends.

3. TaskBucks – If you want to earn some quick bucks, then this app is perfect for you.TaskBucks support both iOS and Android systems. You can use this app for mobilerecharges and bill payments. There are various tasks available in this app. Youcan earn money by completing these tasks. Some of the tasks are:

Downloading apps in your device.
Invite friends and earn money.

They are paying Rs. 25 per referral. Thus, you can earn money by inviting your friends.

4. Earn Talktime – Earn Talktime is one of the best apps for earning Talktime. There are various tasks available in the app. You can either download some apps on your device. There are also surveys available on this app.

You can earn by filling these services. They are also paying up to Rs. 175 per referral. You can use the ETT balance for buying shopping vouchers, DTH recharge, and bill payment.

5. mCent Browser – If you want to earn money while browsing, then this app is perfect for you. It is similar to other browsers like UC, Firefox and Chrome. You can recharge your Talktime and data from this browser.

There are various ways to earn rewards in this browser. First, you should register your new account. You can earn money by visiting your favorite sites. Also, they will pay you money for reading the latest news. They are also paying Rs. 40 per referral.

6. Mobile Premier League (MPL) – MPL is the most famous live gaming app in India. You can participate in tournaments by paying cash or MPL tokens. If you want to try your luck, then you can try the spin and earn method.

You can use the cash earned from the spinning in playing games. They are paying Rs. 75 per referral.

Genuine Money Earning Sites