Slice
UPICredit Cards+1
🎁Get ₹500 cashback after signing up with the referral code and completing your first UPI payment using the slice UPI Credit Card.
AndroidiOS
PhonePe
UPI
AndroidiOS
Last updated: Jun 1, 2026
PhonePe is one of India's most popular digital payments platforms that lets users send money via UPI, pay bills, recharge mobile numbers, buy insurance, invest, and make online or offline payments. The app is designed for fast and secure transactions directly from your bank account. Its referral program also gives new users a chance to earn cashback rewards after completing their first qualifying payment.
🎁
Sign Up Reward Get cashback rewards when you sign up through the referral link and complete your first eligible UPI transaction on PhonePe.
Key Features
-
Instant UPI money transfers directly from bank accounts
-
Mobile recharge, DTH, electricity, broadband, and utility bill payments
-
QR code payments at shops and merchants across India
-
Secure bank account linking with UPI PIN protection
-
Cashback offers, scratch cards, and referral rewards
-
Investment options including mutual funds, gold, and insurance services
How to Use
- 1
Open the referral link and download the PhonePe app from the Play Store or App Store.
- 2
Launch the app and tap Sign Up. Enter your mobile number and verify it using the OTP sent to your phone.
- 3
Since you're joining through the referral link, the referral tracking is generally applied automatically. No separate referral code is usually required.
- 4
Link your bank account by selecting your bank from the list. Ensure the SIM linked to your bank account is active on the device.
- 5
Create or set your UPI PIN by verifying your debit card details as instructed by your bank.
- 6
Complete your first eligible UPI payment or money transfer using PhonePe. Eligible transactions may include sending money via UPI or paying bills through supported categories on the app.
- 7
Once the transaction is successful and meets the referral requirements, the cashback or reward is usually credited to your PhonePe Wallet, Gift Card balance, or rewards section within the specified period, often within 24 hours.
Terms & Conditions
The referral offer is valid only for new PhonePe users who register through a valid referral link, and existing users are not eligible to receive the signup reward. Only one referral reward is permitted per person, device, smartphone, bank account, or mobile number. Users must successfully complete all required verification and eligibility checks, including linking a valid bank account and setting up UPI services. A qualifying first UPI transaction or eligible payment may be required before any cashback, scratch card, points, gift card, or reward is unlocked. Rewards are generally credited within a few hours to a few business days depending on the active campaign and may be provided as cashback, vouchers, gift cards, or wallet balance. Any suspected misuse, duplicate accounts, fraudulent activity, or violation of PhonePe policies may result in disqualification from the offer. PhonePe reserves the right to modify, suspend, or withdraw the referral program or its rewards at any time without prior notice.
Frequently Asked Questions
What is the PhonePe referral code?
PhonePe referrals are usually tracked through the referral link, and a separate referral code may not always be required.
What reward do I get for joining PhonePe?
Rewards vary by campaign and may include cashback, scratch cards, or promotional offers after completing an eligible transaction.
Do I need to link a bank account?
Yes, you must link a bank account and set a UPI PIN to use PhonePe.
When will I receive the reward?
Rewards are usually credited within a few hours to a few days after completing the qualifying transaction.
Similar Apps in UPI
super.money - UPI by Flipkart
Credit CardsUPI
🎁Get ₹21 cash after your first UPI payment and explore Super.money's credit card offerings with rewards on everyday spending.
AndroidiOS
Moneyview
Loans & CreditUPI+1
🎁Earn referral rewards worth up to ₹1,800 and get access to limited-time Moneyview reward campaigns worth up to ₹10,00,000.
AndroidiOS
Kiwi
UPICredit Cards
🎁Get a ₹100 joining reward when your Kiwi Credit Card is approved and delivered. Kiwi referral rewards change regularly, with signup bonuses typically ranging from ₹100 to ₹500 depending on the active campaign.
iOSAndroid
BHIM
UPI
🎁Get up to ₹50 cashback on your first eligible UPI transaction after signing up with the referral code and completing account setup on BHIM. Cashback offers may vary based on the active BHIM referral campaign.
iOSAndroid
CRED
UPICredit Cards
🎁Get a flat ₹50 discount on eligible credit card or electricity bill payments of ₹100 or more after signing up through the referral link.
AndroidiOS