Top 10 Money Making Apps in India: Unleash the Power of Your Phone

Gone are the days when earning money was restricted to a 9 to 5 job or a traditional business. The advent of technology has paved the way for new and innovative ways of earning money, and one such avenue is the money making apps.

What Are Money Making Apps?

Money making apps are mobile applications that offer users the opportunity to earn money through various means, such as taking surveys, watching ads, playing games, and more. These apps have become increasingly popular in recent years due to their convenience and ease of use.

Importance of Money Making Apps in India

India is home to a large population of smartphone users, making it one of the largest markets for money making apps. With the increasing cost of living and the need for supplementary income, money making apps have become a popular choice among Indian users. They offer a flexible way to earn extra cash without the need to leave the comfort of one’s home.

Purpose of Money Making Apps in India

The main purpose of money making apps in India is to provide a platform for users to earn money through various means. These apps cater to a wide range of audiences, including students, homemakers, and even retired individuals, offering them an opportunity to earn extra income.

Top 10 Money Making Apps in India

Here is a list of the top 10 money making apps in India:


PhonePe is a digital payment app that allows users to make secure mobile phone transactions. The app supports many services, including mobile recharge, utility bill payments, and online shopping. In addition to making payments, users can also earn money with PhonePe through a number of different methods.

How to earn money with PhonePe?

  1. Referral Program: PhonePe has a referral program that rewards users for inviting friends and family to use the app. Users can earn cashback for every successful referral they make.
  2. Cashback Offers: PhonePe regularly offers cashback on various transactions made through the app. Users can use these offers to earn money while making payments for various services.
  3. Merchant Offers: PhonePe has partnered with a number of merchants and brands to offer exclusive discounts and cashback to users. By making purchases through the app, users can earn money through these offers.
  4. PhonePe Switch: PhonePe Switch is a platform within the app that allows users to invest in various financial products, including mutual funds and insurance. By investing their money, people can earn returns and grow their wealth over time.
  5. PhonePe UPI: PhonePe’s UPI (Unified Payment Interface) service allows users to transfer money to bank accounts, pay bills, and make other transactions instantly. Using PhonePe’s UPI service, you can earn rewards and cashback on their transactions.

The exact methods for earning money with PhonePe may vary based on the user’s location and the promotions offered by the company at any given time.


Paytm is a popular digital wallet and e-commerce platform based in India. The app provides a wide range of services, including mobile recharge, bill payments, and online shopping. Users can also use Paytm to make payments for various services like movie tickets, flight tickets, and hotel bookings.

How to earn money with Paytm?

As for earning money with Paytm, there are a few different ways to do so:

  1. Referral program: You can earn money by referring friends and family to the Paytm app. You will receive a cashback bonus when someone joins Paytm using your referral code and makes their first transaction.
  2. Cashback offers: Paytm frequently runs cashback offers on various services, such as mobile recharges and bill payments. You can earn cashback by using these offers to make transactions on the Paytm app.
  3. Paytm First Games: Paytm also has a gaming platform called Paytm First Games, where users can play games and earn money. Users can win cash prizes by participating in games such as fantasy sports, rummy, and more.
  4. Selling products: Paytm also allows users to set up their own online store and sell products through the app. If you have a product to sell, you can use Paytm to reach a large customer base and earn money from sales.

These are a few ways you can earn money with the Paytm app. It’s important to note that the availability of these earning opportunities may vary based on your location and other factors.

Google Pay

Google Pay is a digital payment app developed by Google. It allows users to send and receive money to and from other Google Pay users, pay for goods and services at merchants that accept Google Pay and store and manage their credit/debit cards.

How to earn money with Google Pay?

As for earning money with Google Pay, there are several ways to do so:

  1. Cashback and rewards: Google Pay occasionally offers cashback and rewards to users who make transactions using the app. These offers are often time-limited and can be availed by using the app to pay for goods and services.
  2. Referral bonuses: Google Pay allows users to earn money by referring the app to friends and family. When a referred user signs up for the app and makes their first transaction, the referrer earns a referral bonus.
  3. Scratch cards: Google Pay also offers scratch cards to users who make transactions using the app. These scratch cards contain a certain amount of money that can be added to the user’s Google Pay balance.

It’s important to note that Google Pay’s cashback and rewards program may vary by country, so it’s a good idea to check the app for the latest offers and eligibility criteria in your region.

Amazon Pay

Amazon Pay is a digital wallet and online payment service offered by Amazon. It allows users to make payments for products and services on Amazon and other participating websites and apps using stored payment methods such as credit cards, bank accounts, and Amazon Gift Cards.

How to earn money with Amazon Pay?

As for earning money through Amazon Pay, there are several ways:

  1. Selling products on Amazon: If you have a business, you can use Amazon Pay to accept payments for your products sold on
  2. Amazon Affiliate Program: If you have a website or blog, you can join the Amazon Affiliate Program and earn a commission for referring customers to
  3. Amazon Mechanical Turk: Amazon Mechanical Turk is a platform that allows users to complete small online tasks in exchange for payment. You can sign up for Amazon Mechanical Turk and earn money by completing tasks.
  4. Amazon Gift Cards: You can also earn Amazon Gift Cards by participating in surveys, watching videos, and completing other tasks through websites like Swagbucks and Survey Junkie.

These are some of the ways you can earn money with Amazon Pay. However, it is important to remember that earning money through these methods may not be a steady source of income and may require some effort and time to get started.


CashKaro is a popular cashback and coupons website in India. It is an online shopping platform that offers discounts, coupons, and cashback offers to its users when they shop through the CashKaro website.

How to earn money with CashKaro?

To earn money with CashKaro, follow these steps:

  1. Sign up for a CashKaro account: Go to the CashKaro website and create a free account by providing your basic information.
  2. Browse offers and deals: CashKaro partners with a number of popular online shopping websites such as Amazon, Flipkart, and more. Browse through the offers and deals available on these websites and select the one you wish to avail.
  3. Shop through CashKaro: Click on the offer you selected and you will be redirected to the shopping website. Shop as you normally would, and CashKaro will track your purchase and provide you with cashback.
  4. Get cashback: The cashback earned will be credited to your CashKaro account within 24-72 hours of the purchase. You can withdraw the cashback to your bank account once it reaches the minimum withdrawal threshold.

CashKaro also offers coupons that can be used to get additional discounts on your purchases. You can use these coupons to save even more money when shopping online.


Swiggy is an Indian-based online food delivery platform that provides food delivery services to its customers. The app allows users to search and order food from nearby restaurants. Swiggy offers a wide range of cuisines, making it easy for customers to order food quickly and easily.

How to earn money with Swiggy?

As for earning money with Swiggy, there are several ways you can do this:

  1. Partner with Swiggy as a Delivery Partner: Swiggy is always looking for delivery partners who can deliver food to its customers. Delivery partners work on a flexible schedule and can earn money by delivering food to customers.
  2. Become a Swiggy Store Partner: Swiggy also allows businesses to partner with them as store partner. This allows businesses to sell their products on the Swiggy platform and reach a wider audience.
  3. Promote Swiggy: If you have a large social media following, you can promote Swiggy on your platforms and earn money through affiliate marketing.
  4. Offer Referral Bonuses: Swiggy offers referral bonuses for customers who refer new users to the platform. If you refer enough people to Swiggy, you can earn money.

These are some of the ways you can earn money with Swiggy. It’s important to note that the exact opportunities and requirements may vary based on your location and other factors.


Meesho is an Indian social commerce platform that allows users to start their own businesses by selling products through their own personal networks and social media platforms. With Meesho, individuals can become entrepreneurs and earn money by selling fashion items, home decor, beauty products, and more.

How to earn money with Meesho?

Here’s how to earn money with Meesho:

  1. Sign up: First, you need to sign up on the Meesho app and create your personal profile.
  2. Choose products: Next, you can browse through the wide range of products available on Meesho and choose the products you want to sell.
  3. Share products: Share the product images and details with your personal network through WhatsApp, Facebook, Instagram, and other social media platforms. You can also create a catalogue of products to share with your customers.
  4. Receive orders: When someone orders through your referral, you will receive the order details and commission on the sale.
  5. Place an order: You can place an order with Meesho at wholesale prices, and Meesho will handle the shipping and delivery of the product to your customer.
  6. Earn commission: For each successful sale, you will earn a commission, a percentage of the sale price. The commission rate varies for different products.
  7. Get paid: You can withdraw your earnings directly into your bank account.

By using Meesho, individuals can start their online businesses and earn money by selling products to their friends, family, and followers.


Ola is a ride-hailing app that allows users to book rides and make payments through the app. It was founded in 2010 and is headquartered in Bengaluru, India. Today, Ola operates in several countries across the world, including India, Australia, New Zealand, and the UK.

How to earn money with Ola?

Ola offers several ways for its drivers to earn money:

  1. Ride Fare: Drivers earn money from the fares they collect from riders. The fare is calculated based on the distance traveled, time spent, and the type of vehicle used.
  2. Incentives: Ola offers incentives to its drivers for meeting certain criteria, such as completing a certain number of rides, maintaining a high rating, or driving during peak hours.
  3. Referral Bonuses: Drivers can also earn money by referring new drivers to Ola. When a referred driver completes a certain number of rides, the referring driver receives a referral bonus.
  4. Monthly Rentals: Ola also offers monthly rentals for its drivers who do not have their own vehicles. This allows drivers to earn money while using a vehicle provided by Ola.

To earn money with Ola, drivers must meet certain requirements, such as having a valid driver’s license, a safe driving record, and a vehicle in good condition. They must also pass a background check and adhere to Ola’s policies and guidelines.


Zomato is a popular restaurant discovery and food delivery platform that connects users with local restaurants. It operates in over 24 countries and provides information on over 1.5 million restaurants, including menus, photos, and user reviews.

How to earn money with Zomato?

As for earning money with Zomato, there are several ways to do so:

  1. Partner with Zomato as a restaurant: By joining Zomato’s network of partner restaurants, you can increase your restaurant’s visibility and reach and drive more sales.
  2. Become a delivery partner: Zomato partners with individuals and businesses to deliver food from restaurants to customers. You can earn money by working as a delivery partner for Zomato.
  3. Join the Zomato Gold program: Zomato Gold is a paid membership program that gives members exclusive benefits and discounts at restaurants. You can earn money by becoming a Zomato Gold member and enjoying discounts at participating restaurants.
  4. Write restaurant reviews: Zomato rewards users for writing high-quality, helpful reviews of restaurants. You can earn money by writing reviews on the platform and potentially influencing others’ dining decisions.
  5. Refer friends: Zomato has a referral program that allows users to earn money by referring their friends to the platform. If a friend joins Zomato and makes a purchase, you may receive a referral bonus.


BharatPe is a financial services company based in India that offers a mobile app that allows merchants to accept UPI (Unified Payments Interface) payments directly into their bank accounts. The app is designed to make it easy for merchants to receive digital payments, even if they don’t have a card machine or any prior experience with digital payments.

How to earn money with BharatPe?

Here are some ways to earn money with BharatPe:

  1. Accepting UPI payments: By accepting UPI payments, merchants can receive money directly from their customers’ bank accounts. This is a fast and convenient way to receive payments and can help increase sales.
  2. Referral program: Merchants can invite their friends and colleagues to use BharatPe, and for each successful referral, the merchant will receive a cash bonus.
  3. Cashback and rewards: BharatPe offers various cashback and reward programs for merchants who use the app regularly.
  4. Loan services: BharatPe also offers loan services to merchants, so they can access funding for their business when needed.
  5. Insurance services: BharatPe also offers insurance services that can provide financial protection for merchants and their businesses.

Using BharatPe, merchants can simplify their digital payment process, access loan and insurance services, and earn money through the referral and rewards program.


These apps have revolutionized the way people handle their finances in India. They offer various services, including digital payments, peer-to-peer (P2P) transactions, recharges, bill payments, investment and savings, and even offer cashback and discounts on purchases. They have made financial transactions and management much more convenient, safe and accessible to a wider audience.

The significance of these apps lies in their ability to cater to the diverse financial needs of the Indian population. They have made it possible for people to carry out transactions at any time, from anywhere, without the need for physical cash or visiting banks. These apps also offer additional features like instant loan disbursal, insurance and savings, which are a big attraction for many users.

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