How do I refer apps on PhonePe to someone? 

To share app referrals,

  1. Tap Earn on your PhonePe app home screen.
  2. Select the app you want to share.
  3. Tap Refer.
  4. Select the channel and share it with your friends and family.

Note: You can check the How it works section in each app to understand more about the referrals. The tasks may vary between different apps.

Related question(s)
When will I receive the money for the tasks performed?
What if I am unable to generate a referral link?