Earning money online is a recent trend and everyone likes it. They can use their mobile at home and earn money. So the popularity of these apps has increased in recent years. Anyone can recharge, bill pay, take the survey, and refer and earn money online. Let’s see the top money-earning apps in 2025 without investment.
Send money offers:
Most popular apps give cashback for sending money to people or merchants. New apps like Navi, ABCD app, and Fi Money are giving cashback on each transaction. Let’s say if we send money using these apps 30 days with 90 transaction minimum we can earn 300 to 500 per month easily. Old player Paytm is giving cashback on rupay credit cards every month(minimum 100 rs ). So if we use Rupay credit cards on popular apps we can get cashback plus reward points. The best way to earn money using a Rupay credit card is getting lifetime free credit cards.
Check Top UPI apps you must have on your phone
Best lifetime free credit cards:
- Axis my zone credit card (lifetime free until Feb)
- Indusland Tiger lifetime free credit card
- Indusland rupay platinum credit card.
- ICICI coral rupay credit card.
- HDFC RuPay Shoppers Stop Credit Card
- Tata neu rupay credit card
- Axis Indian Oil Rupay credit card
Referrals: 
Referrals are the best way to earn money quickly. There are refer and earn apps without KYC, You just need to
sign up ->do some tasks ->withdraw. You can refer to apps, surveys, network services like Jio Airtel wifi, credit cards, banking apps, and much more. This way you can earn a monthly minimum of 500 to 5000 rs. Jio is offering a month bill free for its JIO fiber referrals. Airtel is giving flat 300 for each new wifi referral.
Recharge and bill payment:
In India, most of the users do recharge monthly. We can recharge for our friends, and known people monthly and earn money. Bajaj Prime is giving flat 10% cashback on recharge and bill payments check how to get this for free.
Get 1 year of Bajaj Prime at almost 0 rupees
Let’s say if you do recharge and bill payment of 3000 per month you can earn 300 rs easily. Other apps like MobiKwik are giving flat 10 cashback on 10 rs recharge(10PE10). A few apps give new users flat 50 cashback. Check all the app offers for every month.
Check in daily and earn:
This kind of app gives daily reward points for check in. The best daily check-in app is Magic Pin. You get scratch cards for daily check-in, send money, receive money, upload your bills…etc.You can earn 5000 coins and redeem these points as Amazon, Ajio and, Flipkart gift cards.
Gift card resell:
We can buy gift cards at the offer time and sell them on platforms like Zingoy or Telegram. Occasionally apps like Paytm,gyfter, and HDFC payz app will run gift card offers. You can buy gift cards at that time and sell them. (these platforms also charge so if your gift card is expiring or you get a gift card free use this trick).
Survey apps :
Easy to answer the surveys daily and earn up to 1000 per month. These surveys are helpful for companies to know their popularity and advertisement reach. The most popular survey apps are Panel Station and Mobile Xpression. Here you can get a minimum of 10 surveys per month and each survey gives up to 500 points. You can convert your survey points to the gift voucher you want.
