Phonepe

We all know about the most famous UPI app of India, that is the PhonePe app. This app was specially designed to provide services like UPI based payments, financial services like insurance, investment etc and also business services. 

Using this app you can complete all your essential bill payments very easily anytime and  anywhere. Just with a single click you can avail all its services. Not only that, now get up to Rs.100 cashback guaranteed on every payment.

PhonePe is India’s go-to-go app where you can book tickets, invest in gold and do many more things.

In this blog I will share a proper step by step guide to you on how to download the app and use each and every service of the app.

What is PhonePe Refer and Earn?

PhonePe refer and earn is the program that is offered by the app to its users where you can share your referral link to your friends and family members and earn cashbacks.

In this offer you will get Rs.200 cashback for every referral. As soon as your friend or contact joins the app through your link you will receive the cashback amount directly in your bank.

Your friend who through your link will also receive cashback of Rs.100 instantly.

PhonePe Refer and Earn 2025

About 

PhonePe app is the most leading app in India used by 60 crore of Indians. In this app you will get all the services that a person needs in his daily life. It is famous for its seamless UPI payment service. 

In this app you need to just add your card details, link it and then you can do all your payments through the app. You can do money transfers to your contacts or any other people or you can do bank transfers. 

You can do recharges for mobile, FASTag, DTH, Google play, NCMC, International roaming, Cable TV and Apple store.

You can pay your utilities bills like Electricity, Credit card bill, Loan repayment, Rent, Mobile postpaid, Cylinder, Broadband or landline, Prepaid meter bill, Water and Education. You can also pay your LIC or insurance and eChallan through it.

Easily check your credit score through the app and it's totally free. Then apply for Gold loans, vehicle loans or take loans against your mutual funds.

Grow your money by investing it in Mutual funds. Start your investment with just Rs.100. Choose the best SIP funds recommended by the app and boost your profit. Invest in digital 24K gold and start saving as low as Rs.10 every day.

Explore insurances for car, bike, shop, and health. This app provides you the most affordable insurance plans.

Lastly, book flight, train or bus tickets through the app very easily using the app at very cheaper rates than other platforms. Get a flat 25% off on hotel bookings too. Get unlimited discounts on first booking.

Features

1. It offers a wide range of services to its users.

2. It has 24*7 customer support.

3. Earn cashbacks through the referral program.

4. The app is safe and secured.

4. The app works with any bank account.

5. It is very easy to use.

6. Earn rewards on every payment.

How to Download PhonePe App?

Follow these easy steps to install the app on your device:

• Go to Play store or App store in your device
• Type the app name in the search box
• Click on install/get
• The app will be downloaded

PhonePe App Sign Up

After installing the app proceed with these steps to register yourself in the app:

• Open the app
• Enter your mobile number
• Click on Proceed
• Enter the OTP sent to your number

How to Link your Bank Account on PhonePe?

You can add any bank account in the app and manage all your payments through that. You can also check your account balance anytime. Steps to link are:

1. Go to profile section

2. Click on Add bank account

3. Choose your bank

4. Enter the mobile number linked to that account

5. Set up a UPI pin

6. Enter the card details

7. Your account will be linked and now you can pay using it by entering the pin

How to Pay through PhonePe? 

There are several payment options available:

1. Scan and Pay- You can pay merchants or anyone through QR code. Steps are:

• Click on QR option in the home screen
• Scan the QR code
• Enter the amount 
• Enter your UPI pin 
• Your payment will be done

2. Mobile number- You can send money to any mobile number. Follow these steps:

• Click on To mobile number
• Enter the number or choose from contact
• Enter the amount 
• Enter UPI pin
• Click on submit

3. Bank transfer- You can send money to another person's bank account directly or you can also transfer money to yourself. 

• Go to Bank and Self A/c option
• Choose the option that is to self or to account number
• Select the bank
• Enter their account details
• Enter the amount
• Pay after entering your pin

How to Pay Bills or Recharge?

To avail this service follow this steps:

• Choose the category from home screen
• Enter the details that is asked related to the payment
• Check your bill amount
• Click on Pay
• Enter the 6-digit pin
• Your payment is successful

How to Use UPI Lite?

In this feature you can pay without entering any pin. You can just add money to the UPI lite wallet and then choose it at the payment gateway while paying. Steps are:

1. Go to manage payments 

2. Click on UPI Lite

3. Enter the amount you want to add

4. Tap on Add money

5. Complete the payment

6. Fund will be added to your wallet

How to Invest through PhonePe App?

To invest your money in digital gold or mutual funds follow this guide:

1. Digital Gold:

• Click on Digital gold 
• Click on Daily savings if you want to pay little everyday or choose Buy Gold for one time purchase
• Enter the amount
• Click on proceed
• Complete the payment
• Your money will be invested successfully in 24K Gold

2.  Mutual Funds:

• Go to mutual funds option
• Select the fund
• Choose one time payment or SIP(Set date for monthly payment)
• Pay the amount
• Your money will be invested

How to Apply for PhonePe SBI Card?

The app has newly launched its two types of card in collaboration with SBI that is PhonePe Select Black and Purple Card. Save up to Rs.1Lakh a year on bills, shopping etc through this. Get 10% rewards on every spend from the app, and up to 5% spends on others also get many additional benefits. 

Steps to apply are:

• Go to PhonePe SBI Cards
• Click on Apply now
• Complete the PAN verification
• Enter personal details 
• Enter Employment details
• Your application will be reviewed and you will receive your card.

How to Get Rs.200 Cash back from PhonePe Refer and Earn?

To receive cash backs on successful referrals follow these steps:

• Click on Refer and Get Rs.200
• You will get your referral link
• Invite through whats app, face book, twitter etc.

(Note: You will receive the cash back amount only when referee completes their first UPI payment)

Conclusion

Download the PhonePe app and enjoy all these services. This app is the one stop solution for digital payments. Earn cash backs by inviting your friends to the app. Manage your money and make your lifestyle smooth and smarter.

I hope this blog has made everything clear and easier to you and still if you face any issue you can contact us.