BHIM UPI Referral Code: Use **66WGKe** to Get Cashback & Earn Rewards in 2026
**BHIM UPI** (Bharat Interface for Money) remains one of India's most trusted and secure UPI apps, developed by NPCI(National Payment Corporation Of India). It enables instant, 24x7 money transfers, bill payments, recharges, merchant QR scans, and more — all without any transaction fees for most users. If you're looking for the **BHIM UPI referral code** to unlock signup bonuses, cashback offers, or refer-and-earn rewards, you've come to the right place.
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| Bhim UPI Referral Code |
In this complete guide, we'll cover everything about the **BHIM UPI referral code**, how the refer-and-earn program works in 2026, step-by-step instructions to apply the code, benefits for both referrer and referee, and tips to maximize earnings.
What is BHIM UPI Referral Code?
A **BHIM UPI referral code** (also called invite code or referral ID) is a unique alphanumeric string provided to existing users. New users enter this code during registration to claim exclusive cashback or signup bonuses.
The bhim UPI referral code is: **66WGKe**
Using this code during signup can help new users qualify for welcome rewards, while the referrer earns cashback when the referred friend completes qualifying actions (like linking a bank account, setting UPI PIN, and making their first transaction).
Current BHIM UPI Refer & Earn Offers (2026 Updates)
BHIM periodically runs referral campaigns to boost adoption. Based on recent user reports and deal platforms:
- - New users often get ₹20–₹50 signup bonus or instant cashback on first transaction.
- - Referrers earn ₹50 per successful referral (when the friend makes a merchant payment of ₹100+ or completes required steps).
- - Some campaigns allow up to ₹200–₹500 total earnings by referring multiple friends (limited per user, e.g., up to 10 referrals).
- - Offers usually require the referred user to perform actions like: first successful UPI payment, merchant scan/pay, or minimum transactions.
Note: Offers vary by time-limited promotions (e.g., June–December periods in past years). Always check the in-app "Refer & Earn" section for the latest active campaign.
How to Use BHIM UPI Referral Code **66WGKe** (Step-by-Step):
Follow these easy steps to download BHIM, apply the referral code **66WGKe**, and start earning:
- **Find the BHIM App** :- Get the official BHIM app from Google Play Store (Android) or App Store (iOS). Search for "BHIM" by NPCI. Avoid third-party sources for security.
- **Register / Sign Up**:- Open the app and register using your mobile number (same as linked to your bank account). Verify with OTP.
- **Link Bank Account**:- Select your bank, enter your debit card details or use Aadhaar-based linking (no debit card needed in many cases). Set your UPI PIN.
- **Enter Referral Code**:- During onboarding (usually after linking bank or in profile/referral section), look for the "Referral Code" or "Invite Code" field. Enter **66WGKe** exactly (case-sensitive). If the option doesn't appear immediately, check under "Profile" > "Refer & Earn" or restart the signup process via a referral link if shared.
- **Complete First Transaction**:- Make your first UPI payment (e.g., recharge, bill pay, or send money to a friend/merchant). This often triggers the cashback for both parties.
- **Claim Rewards**:- Cashback is usually credited to your BHIM wallet or linked bank account within a few days. Track it in the app's rewards section.
Benefits of Using BHIM UPI Referral Code *66WGKe*:
- - **For New Users (Referee)**: Get instant signup bonus or cashback on first payment — perfect way to start with extra money in your wallet.
- - **For Referrers**: Earn ₹50+ per friend who joins and transacts. Refer 10 friends → potentially ₹500+ earnings!
- - **Zero Fees**: BHIM UPI transactions are free for P2P and most merchant payments.
- - **Secure & Official**: Backed by NPCI, supports 1000+ banks, Aadhaar linking, and features like UPI Lite, intent flow, and international payments.
- - **Extra Perks**: Enjoy cashback on recharges, bills, credit card payments, and occasional merchant offers.
Why Choose BHIM UPI Over Other Apps?
- - Government-backed reliability.
- - No hidden charges.
- - Simple interface for beginners.
- - Works even without debit card (Aadhaar + OTP).
- - Regular cashback campaigns and referral rewards.
Tips to Maximize BHIM Refer & Earn in 2026:
- - Share your own referral code (found in app > Refer & Earn) via WhatsApp, Instagram, or Facebook.
- - Remind friends to complete the first merchant transaction quickly.
- - Check app notifications for flash referral boosts (e.g., limited-hour double cashback).
- - Combine with bank offers (many banks give extra rewards on BHIM UPI).
Ready to start? Open BHIM app now and use referral code **66WGKe** during signup for your welcome rewards!
If the code doesn't apply or offer isn't visible, it may be campaign-specific — try updating the app or checking in-app promotions. Happy transacting and earning! 🚀