BharatPe Referral Code: Earn 4000 coins and Up to Rs 25,000 Every Month

Last Updated on April 21, 2026 by Muskan Sinha

Founded in 2018, BharatPe is more than just a payment app – it is the financial backbone of India’s small business owners, merchants and kirana store owners. While most fintech companies focused on building products for salaried professionals, BharatPe made digital payments and access to credit available to small merchants who were invisible to the financial system. From QR codes, UPI transfers, instant loans and credit, BharatPe did what traditional banks never managed to do before – create a financial ecosystem for those who genuinely were left behind. 

Users cannot only manage their finances but also earn cashback and rewards with every swipe and if you use the BharatPe referral code, you can double your rewards and savings. Today, every vegetable seller, rickshaw driver, and small vendor uses BharatPe for their day-to-day transactions. It serves over 17 million merchants in 450+ cities and has completely changed Indian payments forever. You can walk over to the smallest vendor without cash in your wallet and still don’t worry about making payments – all thanks to BharatPe’s services. 

What is the BharatPe Referral Code?

The BharatPe referral code is an enticing way to attract new users to the app and access its services and earn rewards on every payment. It is a unique code that enables existing BharatPe users to share it with their friends and family and invite them to the app to avail benefits like convenient UPI payments, bill payments, recharges, credit cards, loans, insurance, bank transfers and other financial services. 

By inviting new users to the app using the BharatPe referral link, existing users can earn up to Rs 25,000 every month. It is a great opportunity for individuals to help their loved ones access the world of digital payments and rewards. 

BharatPe Refer and Earn Program 

The BharatPe refer and earn program allows existing users to earn exclusive rewards by referring their app and services to loved ones. Existing users can find the BharatPe referral code in their profile under the ‘rewards’ or ‘refer and earn’ section. Users can share this code with their friends via WhatsApp or any other channel and encourage them to avail any service such as credit cards, personal loans or the credit line feature. 

As soon as they complete the specific action, existing users earn 4000 Zillion coins for each successful referral, where every 4 coins = Rs 1. There is also a milestone benefit in which every 3rd successful referral earns you an extra 2000 bonus coins.  Users can invite up to 10 new users per month and earn up to Rs 25,000. New users also earn 2000 Zillion coins upon successful account set up using the BharatPe referral link. The coins will be credited after 24 hours directly in their rewards account. 

Products and Services offered by BharatPe

Benefits of the BharatPe Referral Code 

• Referral Bonus – With the BharatPe referral code, users enter the world of rewards and benefits and earn up to Rs 25,000 in a month. Existing users earn 4000 Zillion coins per referral with an additional 2000 coins on the 3rd successful referral, whereas new users earn 2000 coins on successful account setup. 
• Convenience of Digital Payments – Individuals can make UPI payments anytime and anywhere, from small vendors to business owners. With the referral code, new users can easily onboard to the app and start making payments to receive rewards. 
• Cashback and Vouchers – On making their first payment, new users can get up to 32% off on popular e-commerce brands like Amazon, Flipkart, Starbucks, ect, along with gift vouchers. You can get 2x rewards on merchant transactions, credit card transactions and any offline/online transactions. 
• Financial Services – Users can also avail of financial services through the BharatPe app and get a zero convenience fee on credit card and utility bill payments. Users also get a Rs 100 voucher when they take their 1st FD on the app. 
• Investment and Wealth – BharatPe also offers users to invest in mutual funds, gold, stocks or get personal loans, credit cards, etc, all in one place. 

BharatPe Affiliate Commission vs Referral Earnings 

How to Sign Up on BharatPe using the Referral Code 

1. Download the BharatPe app from the Play Store or the App Store.
2. Copy the BharatPe referral code and sign up on the app.
3. Register with your mobile number and complete OTP verification. 
4. Link your bank account and provide the required KYC documents. 
5. Complete the setup of your account and avail of any service, such as a credit card, personal loan, or credit line, to redeem your referral reward. 

BharatPe Referral Code Details 

How to Refer BharatPe and Earn Rewards as an Existing User

1. Open the BharatPe app and go to the ‘refer and earn’ section in your home profile. 
2. Share the BharatPe referral link through WhatsApp or choose the ‘invite from contacts’ option. 
3. Encourage your friends to sign up on the app using your link and copy the code successfully while setting up their accounts.
4. When your friend activates any BharatPe Yes Bank credit card on UPI or Trillion Personal loan, you become eligible for referral rewards. 
5. You earn 4000 Zillion coins per successful referral and an additional 2000 Zillion coins as milestone rewards on the 3rd successful referral. 

How to earn Sign Up Bonus on BharatPe?

1. After new users download the app on their mobile, they have to complete account setup.
2. New users have to fill in basic details like name, email address and register with their mobile number to complete OTP verification.
3. New users should copy the referral code during account setup and link their bank accounts on the app. 
4. Users need to upload their PAN card details, Aadhaar details and bank details to check eligibility and avail any financial services on the app. 
5. Once they purchase any financial services, they will receive 2,000 Zillion coins as a reward. 

BharatPe Invite Code 

The BharatPe invite code is a unique code that lets existing users invite their friends and family to the app easily, without a lengthy process. With the invite code, users can start their digital payments easily, go cashless and earn cashback and rewards with every QR code scan or online payment. 

Users can earn Zillion coins using the BharatPe invite code and redeem them to purchase any of their favourite products. Apart from that, users can also make bill payments, recharges, invest in mutual funds, stocks and other financial products easily. 

Benefits of the BharatPe Invite Code 

• Sign Up Bonus – Using the BharatPe invite code, new users get a sign-up bonus of up to 2,000 Zillion coins. 
• FD Benefits – On making the 1st FD deposit, new users can get a Rs 100 voucher from popular e-commerce brands. 
• Redeem Coins – On making payments on BharatPe, new users earn coins on every transaction. By linking their credit card, they earn 10 Zillion coins on transactions worth Rs 2000 or more. Using the UPI credit line will help them earn 10 Zillion coins on transactions above Rs 50, the first credit card payment will reward them with 40 Zillion coins and so on. 
• Earn up to 50 Zillion coins instantly – New users can participate in surveys and get rewarded with 50 Zillion coins instantly. These coins can be used to redeem rewards in the Reward Store. 

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Muskan Sinha

Muskan Sinha is a creative and passionate content writer, skilled at delivering high quality , engaging and SEO friendly content across diverse niches. With a zeal for storytelling and great critical thinking, she delivers clear, informative and impactful content that boosts audience engagement.