If you are a regular user of PhonePe for payments, recharges, shopping and more, we have big news for you you can now get a 200 Rs reward for each friend you bring into the app. It sounds simple which is because it is!
In this article I will go over how the PhonePe referral Code program works which includes how to use the code to get out of 200 per referral and also present you with some tips to increase your earnings. For both new and existing PhonePe users this guide is for you which also covers one of the most profitable digital wallet referral programs in India.
📱 Quick Answer of Query PhonePe Referral Code
👉 Use Referral Code: ru_karao01e9
Send out this code to your friends and have them get in on our deal of the day which sees them get a 100 rupee cash back on their first purchase from which in turn will see you get 200 rupee cash back!
💡 What is PhonePe?
Before we get into the referral program, here is a quick overview of PhonePe.
PhonePe is a UPI payment app which is a part of Flipkart. We can use it to send and receive money, pay bills, recharge mobiles, book tickets, invest in the market, buy insurance and also for online shopping. It is secure, fast and has a large user base of millions of Indians.

What is the PhonePe Referral Code?
A PhonePe referral code which is given out to each user is what they share with friends and family. When someone signs up via your code and does their first UPI transaction you also get a reward.
✅ You Get: INR 200.
🎁 They Get: $100 back (sometimes that does vary with the offer).
Here is how to Refer and get in to the ₹200 on PhonePe.
Here is a step by step breakdown of which you can use the referral program:.
1. Open or get the PhonePe App.
If you haven’t already download the app from the Play Store and App Store.
2. Log in to the Referral Section.
- Open the app
- Tap your profile icon in the top right or the menu at the top.
- Tap on “Refer & Earn”
3. Share your referral code or link.
You will see your personal referral code and a “Share” button. You may:.
- Copy the code
- Share on WhatsApp, SMS, Telegram, or email.
4. Friend adds PhonePe.
When you sign your friend up for the app by sending them your link or they enter in your code, it is tracked.
5. They complete that first UPI transaction.
Usually, your friend needs to: Generally, your friend does to:.
- Link their bank account
- Send in any amount via UPI (as little as ₹1).
- Or pay that bill or recharge via UPI.
6. Get ₹200 off in cash back.
Once we have what is required, we will credit you to the PhonePe wallet or cash back section.
What makes PhonePe’s Referral Program so successful.
- Instant Cashback: The reward is generally given in 24 hours.
- No Limit (During Offers): Sometimes PhonePe will lift the referral cap.
- Trustworthy App: PhonePe is an approved partner of RBI and also associated with leading Indian banks.
- Easy UPI Setup: Most at first try to do their very first transaction in minutes.
Is your PhonePe referral code safe to use?
Yes PhonePe is at the top of the safety list in India. We see to it that we use 128 bit encryption, secure one time passwords and device based authentication. Also we do not cross over referral codes to actual account or personal info access.
How to increase your referral earnings.
To get the most out of your PhonePe referrals we suggest you try these smart tips:.
- Share With New Users Only: Rewwards for first time PhonePe users.
- Use Social Media: Share out your referral link in Facebook groups, WhatsApp status, and Telegram channels.
- Explain the Process: They will have to do their first UPI payment to access the reward.
- Help With Setup: Offer to assist your friends in setting up their bank accounts and in making their first payment. Many people put off doing it due to technical issues.
- Stay Updated: We will post regular updates of referral programs in the app also at times we may put out as much as 250 Rupees or more.
Why didn’t I get my ₹200 referral reward?
Here is what may cause it:.
- Your pal didn’t use your referral info.
- They didn’t complete a valid transaction.
- They already have a PhonePe account on that number or device.
- The offer expired or changed.
Be sure to go over the Terms and Conditions in the referral section of the app or else you may miss out on some rewards.
📌 Final Thoughts
Referral plans are a simple way to generate passive income which we see play out with apps like PhonePe. You aren’t just pushing an app out there, you are getting your friends on board a secure, fast, and cashless bandwagon.
The best bit? You don\’t have to be a tech whiz. Just put out your code, walk your friend through a single purchase, and we’ll see you at the award ceremony.
So what are you waiting for? Open the PhonePe app, get your referral code and start making money from each of your referrals today. .