Navi App Refer & Earn: Signup & Get Upto Rs.25 Cash on Recharge Bill Payments ₹100/Referral + Free Gold

Navi Refer & Earn

The Navi Refer & Earn program lets you earn real cash straight into your UPI-linked bank account every time a friend you invite signs up and starts using a Navi product. Share your Navi referral code or invite link, and you can earn up to ₹100 per successful referral, while your friend gets a welcome bonus of free gold worth up to ₹100 on signup. It is one of the easiest Refer & Earn offers running in India right now because there is no investment needed from your side to start sharing.

Navi is a fully NPCI-approved UPI app founded by Sachin Bansal (co-founder of Flipkart) and Ankit Agarwal. Beyond referrals, you can use the Navi UPI app to scan & pay and earn cashback in the form of Navi coins (up to ₹5 per transaction), and earn on credit card bill payments, recharges and utility bill payments.

Navi Refer & Earn Offer Details

Note: Navi runs different reward tiers depending on the product your friend chooses. A simple UPI/digital-gold signup typically pays ₹100, while higher-value products like a disbursed loan can pay significantly more. Always check the live reward shown inside your own Navi app before sharing, as amounts change with festive and promotional offers.

What is Navi UPI?

Navi UPI is a fast, secure and reliable payment solution approved by NPCI. It enables instant money transfers, bill payments, recharges, and scan-and-pay at any store. With Navi UPI you get a fully cashless experience with bank-grade security and a clean, user-friendly design.

Key features of Navi UPI:

• Instant Transfers: Send and receive money instantly, anytime, anywhere.
• 24/7 Security: All transactions are protected and secure.
• Reliable Payments: Seamless payments without delays or downtime.
• Track Payments: Easily check your full transaction history inside the app.
• Rewards on Every Pay: Earn Navi coins and a chance to win rewards on UPI payments.
• Navi UPI Lite: For transactions below ₹500, enjoy one-click payments without entering a UPI PIN.

How to Set Up Navi UPI & Earn Cashback on Scan, Pay & Bill Payments

1. Download the Navi app: Get it from the Google Play Store or Apple App Store.

1. Sign up & verify your mobile number: Open the app, tap “Signup”, enter your mobile number and verify with the OTP.
2. Add your bank account: Link your UPI-linked bank account to activate Navi UPI.
3. Set your UPI PIN: If this is your first UPI account, set a 4 or 6-digit UPI PIN using your debit card details.
4. Start transacting: Scan QR codes, pay bills and recharge to earn Navi coins (up to ₹5 cashback per transaction).

1. Download & sign up on Navi: Install the Navi app using from the Google Play Store or Apple App Store, then create your account with your mobile number and OTP.

2. Complete KYC & setup: Link your UPI bank account and set your UPI PIN (using debit card details) if you are new to UPI.

3. Open the Refer & Earn section: Tap the “Refer & Earn” or “Invite Friends” banner inside the Navi app to get your unique referral link / Navi referral code.

4. Share your link: Send your referral link to friends and family via WhatsApp, Telegram or any social platform.

5. Friend signs up & transacts: Your friend installs Navi, completes signup and uses a Navi product (e.g. invests in digital gold or mutual funds, or takes a loan).

6. Earn your reward: Once the referral qualifies, your bonus is credited to your UPI-linked bank account within 7 business days.

Navi Refer & Earn Terms & Conditions

• Eligibility: Open to individuals aged 18+ residing in India. Employees of Navi or its affiliates are not eligible.
• New users only: The referred person must be new to Navi with no prior product usage.
• Unique referral link: Share your own link, accessible from the Navi app or your dedicated referral webpage.
• Successful referral criteria: The friend must (a) be a new Navi user, (b) complete the application for a Navi product such as digital gold or mutual funds, and (c) fulfil the specific product requirement (e.g. a minimum digital gold purchase).
• Bonus credit: The bonus varies by the product chosen and is credited to your UPI-linked bank account within 7 business days.
• Referral limit: Up to 10 successful referrals per calendar month.
• Fraud prevention: Navi may disqualify fraudulent or abusive referrals.
• Program changes: Navi may modify or terminate the program at any time without prior notice.
• Data privacy: Participation implies consent to data collection and use as per Navi’s Privacy Policy.
• Governing law: Terms are governed by Indian law, with disputes under the exclusive jurisdiction of Indian courts.
• Official sources: Always refer to official Navi sources for the latest amounts and steps, as these can change.

Navi Refer & Earn — Frequently Asked Questions

How much can I earn from the Navi referral program?
You can earn up to ₹100 for each successful referral on a standard signup, and your earnings stack with no fixed cap beyond the monthly limit. Higher-value Navi products (such as a disbursed loan) can pay more per referral. With the limit of 10 successful referrals per calendar month, a basic referral run can earn around ₹1,000/month, and more if your friends opt for higher-tier products.

What is the Navi referral code and where do I find it?
Your Navi referral code (and invite link) is generated inside the Navi app under the “Refer & Earn” / “Invite Friends” section. It is unique to your account — there is no single universal code, so always generate your own from the app.

When will I get my Navi referral reward?
The reward is credited to your UPI-linked bank account within 7 business days after your referred friend completes a qualifying action (such as a digital gold purchase or loan disbursal).

Does my friend also get a reward for signing up?
Yes. New users who join through a referral link typically get free gold worth up to ₹100 on signup, in addition to the standard Navi UPI rewards.

Is the Navi app safe to use?
Yes. Navi is an NPCI-approved third-party UPI app that follows RBI security guidelines, so your money is as safe as it is on other major UPI apps.

Is there a limit on how many people I can refer?
You can earn on up to 10 successful referrals per calendar month. There is no limit on how many people you share your link with — only on how many qualifying referrals count toward rewards each month.

Why did my Navi reward amount change?
Navi runs different reward tiers and festive promotions, so the exact amount per referral can vary over time and by the product your friend chooses. Always check the live reward shown in your own Navi app before sharing.

If you love tracking the latest Refer & Earn Offers, Loot Deals and Cashback Offers, keep visiting Bigtricks regularly. You may also like Jupiter, IndMoney and Amazon Pay UPI refer-and-earn offers.

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