💰 PhonePe Refer and Earn Guide – Step-by-Step Setup, UPI, and Full Usage Guide
If you’re new to PhonePe, this guide will help you start from scratch — from installing the app to linking your bank account, creating your UPI PIN, and even learning how to earn cashback and rewards using PhonePe Refer and Earn.
👉 Referral Link: Join PhonePe and Earn Rewards
How to Open PhonePe for the First Time
1. Download the PhonePe app from Google Play Store or Apple App Store.
2. Open the app and sign in using your mobile number linked to your bank account.
3. Verify the OTP received on your registered number.
4. Now you’ll enter the main dashboard of PhonePe — ready to set up your UPI and bank account.
How to Add Bank Account in PhonePe
1. Tap on your profile icon
2. Bank Accounts
3. Add New Bank Account.
4. Select your bank name (e.g., SBI, HDFC, Axis, etc.).
5. PhonePe will automatically fetch your account details linked with your number.
6. Tap Confirm, and your bank account will be added successfully.
✅ If you want to change your primary account in PhonePe, go to Bank Accounts → select your preferred bank → tap “Set as Primary Account.”
How to Set or Reset UPI PIN in PhonePe
1. Go to Bank Accounts
2. Select Bank
3. Set UPI PIN.
4. Enter the last 6 digits of your debit card and expiry date.
5. Set a 4 or 6-digit UPI PIN of your choice.
If you forget your UPI PIN, select Reset UPI PIN in PhonePe, follow the same process, and create a new one.
How to Add Credit Card in PhonePe
You can easily add a credit card for payments:
1. Open PhonePe → My Money →Link Credit Cards → Add New Card.
2. Enter card details and save securely.
3. Use your card for bill payments, recharge, or shopping.
How to Delete or Remove Bank Account in PhonePe
If you want to remove a bank account from PhonePe:
1. Go to Profile → Bank Accounts → Select Bank → Delete Account.
2. Confirm to remove it permanently from your app.
How to Delete PhonePe Account (If Needed)
To delete your PhonePe account:
• Open the app → Go to Help → My Account, KYC & App Issues → Account-related Issues → Delete My PhonePe Account.
• Follow the instructions to permanently close your account.
How to Delete PhonePe Transaction History
Currently, PhonePe does not allow users to delete transaction history directly. But you can hide your transactions on coming updates as Paytm launched this feature.
However, you can hide or download your transactions from the History section for your records.
If you still want to clear data, you may delete your account entirely — that will remove all your linked history.
How to Cancel Autopay in PhonePe
To cancel autopay:
1. Go to My Money → Autopay Mandates → Active Mandates → Cancel Autopay.
2. Confirm your choice to stop automatic deductions by entering UPI PIN on next.
How to Check CIBIL Score in PhonePe
You can now check your CIBIL Score directly on PhonePe:
1. Open the app
2. Go to My Money
3. Credit Score.
4. Verify details and view your free CIBIL report instantly.
How to Delete PhonePe History (Summary)
If you’re wondering how to delete PhonePe history or transaction details, note that the app keeps them secure for legal compliance. You can only view, download, or hide them but not permanently erase them.
💎 Bonus Tip – PhonePe Refer and Earn Offer Upto ₹100 On Joining
Want to earn rewards while helping friends join PhonePe?
Go to Rewards → Invite & Earn → Share Your Referral Link.
Use this referral link to join: https://phon.pe/0bt6lexb
You and your friend both get cashback or scratch cards after their first transaction!
Comment after joining using our Phonepe referral link we will provide cashback to you.
✅ Final Words
Using PhonePe makes payments, recharges, and transfers simple and secure. From learning how to change UPI PIN in PhonePe, to how to delete transaction history, everything can be managed easily in one app.
Don’t forget to take advantage of the PhonePe Refer and Earn program to earn extra rewards today.
👉 Start Now: https://phon.pe/0bt6lexb