Paytm Referral Code 2026

Verified

UPI

AndroidiOS

Last verified 25 August 2026

Paytm is one of India’s most popular digital payment and financial services apps that allows users to make UPI payments, mobile recharges, utility bill payments, money transfers, and online shopping. The app also offers services like wallet payments, FASTag, insurance, travel bookings, and investments. With a simple interface and wide merchant acceptance, Paytm is designed for convenient everyday digital transactions.

🎁 Up to ₹100 Cashback

Your Referral Code

GRAB100

Get Paytm deal →

Get up to ₹100 cashback and a ₹50 recharge voucher after an eligible first UPI payment of ₹10 or more.

Key Features

Send and receive money through linked bank accounts using UPI.
Scan UPI QR codes and pay merchants directly.
Pay utility bills through the Paytm platform.
Recharge prepaid mobile and DTH services.
Send money using a UPI ID, mobile number or QR code.
Earn eligible rewards and cashback offers in the app.

How to Use

1
Download the official Paytm app.
2
Create a new Paytm account through the current registration flow.
3
Use the supplied referral invitation during signup if the app presents the referral offer.
4
Link a bank account to Paytm UPI and complete mobile-number verification.
5
Complete an eligible first UPI payment of ₹10 or more within the stated seven-day period.
6
Check the final payment and rewards screens to confirm any cashback or recharge voucher.
7
Complete the qualifying transaction only after reviewing the offer displayed in the app.

Terms & Conditions

The app has not published specific referral terms for the exact supplied referral offer that could be independently verified from the official sources reviewed. The following are standard conditions that typically apply. Paytm's official referral support says an invited user should use the referrer's specific invitation and complete an eligible first transaction for referral rewards to become applicable. The exact cashback amount, minimum payment, voucher value, qualifying period and credit timing can depend on the active campaign, and Paytm may change applicable offers and terms.

Frequently Asked Questions

How do I use a Paytm referral offer as a new user?

A new user generally needs to open the referral invitation, install or register on Paytm, and complete the qualifying transaction required by the active campaign. Paytm's official referral support page states that the invited user must use the specific shared invitation and complete a first eligible transaction to trigger applicable rewards.

Do I need to link my bank account before making a Paytm UPI payment?

Yes, standard bank-account UPI payments require you to link an eligible bank account. Paytm verifies the mobile number associated with your bank account and then lets you activate UPI and create or use a UPI ID for payments and transfers.

Can I make UPI payments by scanning a QR code on Paytm?

Yes. Paytm supports QR-based UPI payments, allowing users to scan a merchant or recipient QR code and complete a payment through their linked bank account. The recipient's registered details should be checked before authorising the transaction.

Can I use Paytm for mobile recharge and bill payments?

Yes. Paytm supports prepaid mobile recharges and bill-payment services alongside UPI transfers. The available payment methods, convenience fees and service charges can vary depending on the bill category and the payment method selected.

When does Paytm referral cashback get credited?

The credit timing depends on the specific referral or rewards campaign. Paytm's official referral support information confirms that rewards are triggered after an invited user installs the app through the referral flow and completes an eligible first transaction, but individual offer timelines can differ.

Are Paytm cashback and voucher offers always the same for every user?

No. Paytm operates different promotions and rewards campaigns, and eligibility, reward amounts and redemption conditions can vary. Users should review the offer shown in their own app before completing a transaction rather than assuming another user's referral promotion applies universally.