Paytm Referral Code

Last Updated on December 11, 2025 by Muskan Sinha

Paytm, India’s largest UPI payments app, was launched in 2010 to make digital transactions much more convenient. It allows individuals to make payments in no time, whether it is paying bills, recharges, banking transactions, booking movie/flight tickets, Fastag recharge, loan EMI payments, credit card bills and much more. On every UPI transaction, Paytm rewards users with cashbacks, vouchers, gold coins, coupon codes, etc. Individuals can also earn exciting rewards by sharing the Paytm referral code with their friends and family. 

In this digital world, Paytm has made it easier for people to carry out transactions without the need for cash or physical credit cards. With just one quick QR code scan, people can make payments to anyone and anytime – from small vendors to big e-commerce platforms. Paytm also offers financial services such as mutual fund investments, gold savings, personal loans, vehicle insurance, and health insurance. Offering a multitude of services, Paytm is an all in one UPI app in India. So, don’t wait and invite your loved ones via the Paytm referral link to help them make cashless transactions.

What is the Paytm referral code?

Paytm offers users the chance to win exclusive cashback rewards through the Paytm referral code. Existing Paytm users can find their unique code under the ‘Refer and Win’ section under their profile. When old users share the referral link with their contacts and invite them to the platform, both existing and new users can win big rewards. Interestingly, users can also invite friends via Referral QR, where the friends scan the QR to join the app.

By inviting their friends and family on the app, individuals can help them avail multiple advantages of making UPI payments and other benefits offered by Paytm. With the Paytm referral code, existing users can win cashback up to Rs 200 – Rs 100 in the first month and Rs 100 in the second month, and new users can receive cashback or points on their first five transactions. 

Paytm Refer and Earn Program 

Paytm offers a Refer and Earn program, better known as the Refer and Win program to its users. This is an opportunity for all existing Paytm users to earn additional rewards by inviting their friends and family to join Paytm and make digital payments more accessible for them. In this referral program, existing users have to share a referral link with new users and motivate them to make their first payment, a minimum of Rs 9 to earn cashback of Rs 100 in the first month. 

When the new users make their second transaction, a minimum of Rs 1000, then the referrer receives Rs 100 in the second month. The referee also gets cashback up to Rs 100 on their first five transactions made using Paytm, whether bill payments or mobile recharge. The cashback reward for both referrer and referee is given as scratch cards which expire after 5 days. 

To be eligible for rewards, it is important that the new users make their first transaction within 7 days of signing up using the referral code. Existing users must ensure that the person has not previously installed Paytm and is a newbie. Individuals can refer up to 100 users per month and earn Rs 10,000 cashback. They can even track their cashbacks under the Cashback and Offers section. 

Products and Services offered by Paytm 

Benefits of Paytm Referral Code

• Cashback Rewards – Using the Paytm referral code, new users can get upto Rs 100 cashback on their first five transactions. Existing users also earn Rs 100 in cashback for 2 months straight. 
• Secure Payments – Paytm is a well established and trusted UPI app offering a multitude of services. Individuals can carry out transactions in a secure environment and win rewards like vouchers, gold coins, coupon codes, etc, on every transaction. 
• Earning Potential – Existing users can refer up to 100 users per month and 40 referrals in a single day. With the Paytm referral code, users can earn up to Rs 10,000 in one month. This is a great earning opportunity for all existing users to leverage while making digital transactions. 
• Simple Procedure – Getting rewarded in this referral program follows a pretty simple and straightforward process. Existing users share the referral link to their loved ones, new users make their first payment and both get rewarded. 
• Wide Services – Paytm, a reputable UPI platform, offers a wide range of services to its users, from bill payments to flight ticket bookings and financial services. By inviting friends and family to this app, individuals can make their journey to cashless transactions much easier. 

Paytm Affiliate Commission vs Referral Earnings 

How to Sign up on Paytm using Referral Code 

• Download the Paytm app on your device from the Play Store or App Store.
• Launch the Paytm app and begin your registration by creating an account. 
• Register with your mobile number to have an OTP sent to you for verification. Set your password and give rest of the details to create your profile. 
• In the next step, it will ask if you have a referral code. Simply share the code that you have received. 
• Complete your profile by adding your name and then link your bank account or use Paytm wallet for transactions. 
• To be eligible for referral rewards, you have to make your first transaction on Paytm, either for making bill payments or mobile recharge. With a minimum transaction of Rs 9, you can earn cashback worth Rs 100. 

Paytm Referral Code Details 

How to refer Paytm and earn rewards as existing users

• Open your Paytm account and head to the Refer and Win section under your profile. 
• Find your unique referral code and share it with your contacts via WhatsApp or SMS. 
• Your referee signs up on the app using your referral link and makes their first payment within the first 7 days of signing up.
• As soon as they make their first transaction, both the referee and the referrer are rewarded. Referrer gets cashback of Rs 200 and referee gets cashback of Rs 100 on their first five transactions. 

How to earn Sign Up rewards with the Paytm Referral Code

• New users have to first download the Paytm app on their mobile via Play Store or App Store. 
• Then, they have to complete their sign up process to create an account. 
• Registering with a mobile number for OTP verification and linking a bank account is the next step. 
• Once sign up is complete, new users should enter the referral code they received. 
• To receive an instant sign up bonus of Rs 100 cashback, they are required to make their first transaction on the app. This transaction can be a money transfer worth Rs 9 or a bill/recharge payment of Rs 99. 

Paytm Invite Code 

To avail the benefits of UPI transactions along with banking, financial and entertainment services, existing users can use the Paytm invite code to get new users on board on the app. This invite code offers an amazing opportunity for all new users to get rewarded on each transaction made through Paytm and with an additional cashback of Rs 100 received on instant sign up. 

With this unique invite code, people who do not use UPI at all, can get the motivation to avail multiple benefits offered by Paytm on UPI payments. Hence, helping them make this transition to going cashless is much more comfortable. 

Benefits of Paytm Invite Code 

• Sign Up Rewards – With the Paytm invite code, new users get a welcome bonus of Rs 100. This makes their first transaction on the app extremely easy and rewarding. 
• Multiple Bonuses – Not only does the invite code give a welcome bonus, along with that, the new users also get cahsbacks on their first five transactions. 
• Easy to share – Existing users can easily share this invite code to their loved ones by simply copying the link/code and sharing it via WhatsApp, SMS or any other channel. Also, for the new users the sign up process gets simpler with the invite code. 
• Encourages Digital Payments – The invite code is an excellent chance for individuals to encourage their friends and family to transition from cash payments to secure digital payments. 

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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.