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PhonePe: UPI Payments

PhonePe: UPI Payments

4.6
Apps Finance Apps Cashback Earn Money Online Finance Refer and Earn UPI
Rating4.6 ★
Downloads500M+
CategoryApps
AndroidAndroid & iOS · new bank + UPI PIN
Install PhonePe with this invite, link your bank, set a UPI PIN, and make your first UPI payment in the app. Any referral reward is paid as a PhonePe gift voucher, not bank cash. Terms are set by PhonePe and can change.

Pros & cons

Pros
  • Free, widely used UPI app for transfers, bills and recharges
  • Works on Android and iOS
  • Setup is a bank link plus a UPI PIN
  • If a referral reward is issued, it usually shows in Rewards within 24 hours of the first successful UPI payment
  • Gift voucher can be used on PhonePe for recharges, bills and partner stores
Cons
  • You must be a new PhonePe user — the offer is once per customer, phone number, device and bank account
  • Install from this link, sign up within one hour of tapping it, and finish your first UPI payment within 5 days
  • The payment must use a PhonePe-linked bank account and be completed inside the PhonePe app
  • Referral cashback is a PhonePe gift voucher — it cannot be withdrawn to a bank or sent to another person
  • Scratch cards expire in 15 days; gift-card balance expires 1 year after issue
  • PhonePe gift-card rewards are capped at ₹9,999 per financial year, and PhonePe can change or end the offer

How to get this & earn coins

1 Complete the offer

01Tap Get PhonePe on this page so the app is installed from the invite link. Sign up in PhonePe within one hour of that tap.
02Link a bank account that is being added on PhonePe for the first time and set your UPI PIN.
03Within 5 days of registering, make your first successful UPI payment inside the PhonePe app from that linked bank account.
04If PhonePe issues you a reward, look in Rewards and swipe any scratch card. After you redeem it, the gift-voucher balance is usually added within 24 hours.
05Spend that voucher on recharges, bills or PhonePe partner stores. Raise any cashback question inside PhonePe within 30 days of the payment.

2 Claim & redeem your coins

  1. Complete the goal above to earn 🪙 200 coins.
  2. Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
  3. We verify it manually and credit the coins to your account.
  4. Redeem your coins for free games, skins or game credits once you reach 2,000 coins.

About PhonePe

PhonePe is an Indian payments app for UPI transfers, mobile recharges, bill pay and other in-app services. This page is an invite link. After you install from the button, create your account, link a bank that has not already been used on PhonePe, and complete one UPI payment in the app. PhonePe’s current Refer and Earn terms say the person who shared the link may receive cashback of ₹50 to ₹500 after that first payment. Any reward credited to you is described in the app as a PhonePe gift voucher or scratch card, not cash in your bank. Amounts and eligibility are decided by PhonePe and can change.

Why users choose PhonePe

  • Everyday UPI for friends, bills and recharges
  • Very large user base in India
  • Bank-linked payments without keeping a separate wallet balance for basic UPI
  • Optional referral gift voucher if you are a genuine new user and complete the first payment on time
  • One app for payments plus other PhonePe services if you choose to use them later

Ratings & reviews: 4.6 from the official Google Play listing across 14 million+ reviews. The rating is from the Play listing and can change.

This page uses a PhonePe invite link. If PhonePe issues a reward, it arrives as a gift voucher or scratch card in the app — you and the inviter are rewarded in your own accounts, and the amount you pay for any transaction does not increase.

Tap the button, sign up within an hour of the click, link a new bank account, and complete your first UPI payment in the app within 5 days if you want the invite to count.

Ratings & reviews

4.6 6,788 reviews

Write a review

FAQ

What do I get if I join through this link?

You get the PhonePe app and UPI. If PhonePe accepts the referral, any reward for you is a gift voucher or scratch card in Rewards, not a bank withdrawal. The rupee amount is set by PhonePe and may vary or not apply.

What is the time limit?

Sign up within one hour of tapping this invite, and make your first UPI payment in the app within 5 days of registering.

Who counts as a new user?

Someone who installs from this link and has not already used that phone, PhonePe account or bank account for this offer.

Can I withdraw the cashback to my bank?

No. The gift voucher cannot be withdrawn to a bank or transferred to another customer. Use it on PhonePe for recharges, bills and partner stores.

Why did I not get a scratch card?

You signed up too late after the click, paid after 5 days, used a bank already on PhonePe, paid outside the app, already used the offer on that device, or PhonePe did not mark you eligible.

Does this cost extra?

No joining fee. You only send the UPI payment you choose to send.

You might also like

Earn 200 reward points

Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.

Log in / sign up to claim points

Disclosure: this page contains referral links. If you sign up through them we earn a fee at no extra cost to you. It never changes which apps we recommend.