UPI payments have become the go-to method for millions of Indians for everyday transactions. But did you know that using the right app can actually put money back in your pocket? With the right UPI app, you can earn real cashback on your payments, from bill payments and recharges to online shopping.
In this guide, we’ll explore the best UPI apps for cashback in India 2025, helping you save money while you pay—effortlessly and securely.
Why Choosing the Best Cashback UPI App Matters?
Not all UPI apps are created equal when it comes to cashback. The best cashback UPI app ensures that every transaction you make rewards you with real money or valuable offers, rather than just points that are hard to redeem. Choosing the right app helps you maximize your savings on daily payments like mobile recharges, utility bills, and online purchases.
Additionally, top apps provide secure transactions, user-friendly interfaces, and timely cashback updates, so you can pay with confidence while getting the most out of every rupee spent.
Top Best UPI Apps for Cashback in India for 2025
Finding the right UPI app can make a significant difference in how much you save on everyday transactions. The best cashback UPI apps in India not only let you transfer money instantly but also reward you with real cashback on recharges, bill payments, and online purchases.
These apps are designed to be secure, user-friendly, and reliable, ensuring that you get the maximum benefit from every payment. In the sections below, we’ve handpicked the top UPI apps that combine ease of use with lucrative cashback offers, helping you make the most of your digital payments in 2025.
| App Name | Cashback Type | Key Features |
| Google Pay | Scratch cards & instant cashback | Bill payments, QR payments, bank transfers, rewards |
| PhonePe | Direct cashback & rewards | Bill payments, recharges, investments, gold purchases |
| Paytm | Cashback on UPI, wallet, and recharges | Wallet, bill payments, QR code payments, shopping |
| CRED App | Rewards & points redeemable for offers | Credit card payments, premium rewards, exclusive deals |
| BHIM | Cashback & bank-linked rewards | Instant UPI transfers, government payments |
| Amazon Pay UPI | Cashback & vouchers | Integrated with Amazon shopping, bill payments, recharges |
| Super.money | Direct cashback to bank | Instant real cashback on transactions |
| Kiwi | Cashback & coins | UPI payments, rewards, bill reminders |
| Kotak Mahindra Bank UPI App | Cashback & bank offers | Bank transfers, bill payments, account management |
| PayZapp by HDFC Bank | Cashback & offers | HDFC account integration, bill payments, recharges |
| MobiKwik | Cashback & coupons | Wallet, UPI payments, bill payments |
| Freecharge | Cashback & vouchers | Recharges, bill payments, QR payments |
| Axis Pay (BHIM Axis) | Cashback & offers | Axis Bank integration, secure UPI payments |
| Navi Money | Cashback & points | Bill payments, UPI, financial services |
| Jupiter Money | Cashback & rewards | Banking, UPI payments, savings features |
Google Pay: Secure, Seamless, and Rewarding
Cashback Type:
- Digital Scratch Cards: Complete eligible transactions and receive instant rewards through virtual scratch cards.
- Campaign-Based Offers: Participate in limited-time campaigns to earn cashback by completing specific actions.
Key Features:
- Comprehensive Payment Options: Facilitates UPI payments, bill payments, mobile recharges, and online shopping.
- Integrated Rewards System: Offers cashback through scratch cards and participation in campaigns.
- Secure Transactions: Utilizes multi-layered security protocols to ensure safe transactions.
- User-Friendly Interface: Designed for easy navigation and quick access to various services.
- Voice-Enabled Payments: Users can complete UPI transactions using voice commands, making payments faster and more accessible.
How to Get Cashback on Google Pay
Getting cashback on Google Pay is simple and straightforward. Here’s how you can maximize your rewards:
- Complete Eligible UPI Transactions
- Make payments via UPI for bills, recharges, or online shopping. Each successful transaction may qualify for scratch card rewards.
- Make payments via UPI for bills, recharges, or online shopping. Each successful transaction may qualify for scratch card rewards.
- Open Scratch Cards
- After a qualifying transaction, you’ll receive a digital scratch card in the app. Scratch it to reveal instant cashback.
- After a qualifying transaction, you’ll receive a digital scratch card in the app. Scratch it to reveal instant cashback.
- Participate in Campaigns & Offers
- Google Pay often runs limited-time campaigns like “Earn RuPay Cashback” or festive offers.
- Google Pay often runs limited-time campaigns like “Earn RuPay Cashback” or festive offers.
- Use Linked Bank Cards (Optional)
- Some campaigns provide higher cashback if you link RuPay or select bank cards.
- Some campaigns provide higher cashback if you link RuPay or select bank cards.
- Stay Updated
- Regularly check the Rewards & Offers section in the app to ensure you don’t miss new cashback opportunities.
- Regularly check the Rewards & Offers section in the app to ensure you don’t miss new cashback opportunities.
Useful Resource: Top Digital Banking Apps in India
PhonePe: Convenient Payments with Attractive Cashback
Cashback Type
PhonePe is one of the best cashback UPI apps in India, offering direct cashback and rewards on a variety of transactions. Users can earn cashback on mobile recharges, utility bill payments, online shopping, and even investments like mutual funds or gold purchases.
Key Features:
- Supports seamless UPI payments, bill payments, recharges, and QR code-based merchant payments.
- Offers regular cashback, scratch cards, and exclusive app-based deals.
- Provides secure transactions with bank-level encryption and multi-factor authentication.
- Includes features like expense tracking, split bills, and financial services to manage your money efficiently.
How to Get Cashback:
To earn cashback on PhonePe, simply complete eligible UPI transactions, check the Rewards section, and claim cashback instantly or through ongoing campaigns. Using linked RuPay or select bank cards may increase your cashback rewards, making PhonePe a top choice for anyone seeking the best UPI app for cashback.
Paytm: All-in-One Payment Platform with Cashback Rewards
Cashback Type
Paytm is widely recognized as one of the best cashback UPI apps in India, offering real cashback on UPI transactions, mobile recharges, bill payments, and online shopping. Cashback is often credited instantly to your Paytm wallet or bank account, depending on the offer.
Key Features:
- Enables seamless payments via UPI, digital wallets, QR codes, bill settlements, and online shopping.
- Provides frequent cashback, scratch card rewards, and special promotional offers.
- Secure and reliable transactions with advanced encryption and multi-layered security.
- Additional services include ticket bookings, investments, insurance, and Paytm First benefits.
How to Get Cashback:
To earn cashback on Paytm, complete eligible UPI transactions, check the Offers section for ongoing deals, and claim rewards instantly. Using specific bank accounts or participating in seasonal campaigns can further maximize your earnings, making Paytm a versatile choice for anyone seeking the best UPI app for cashback.
CRED App: A Premium Experience for Creditworthy Individuals
Overview
CRED is a premium, invitation-only platform available to users with a credit score of 750 or higher. Established in 2018 by Kunal Shah, it rewards individuals for maintaining financial discipline, with a special focus on timely credit card bill payments.
Key Features:
- Credit Card Bill Payments: Users can pay their credit card bills through CRED, earning rewards for timely payments.
- CRED Coins: For every bill payment, users earn CRED Coins, which can be redeemed for exclusive offers, discounts, and products from partner brands.
- CRED Pay: A payment gateway that allows users to make UPI payments at select merchants, with opportunities to win cashback and other rewards.
- Credit Score Monitoring: CRED provides users with free access to their credit scores, helping them monitor and improve their credit health.
- Lifestyle Offers: Members gain access to curated offers on dining, travel, wellness, and more, enhancing their lifestyle experiences.
How to Earn Rewards:
- Pay Credit Card Bills: Make timely credit card bill payments through the CRED app to earn CRED Coins.
- Participate in CRED Pay: Use CRED Pay for UPI transactions at partner merchants to stand a chance to win cashback and other rewards.
- CRED Lifestyle Benefits: Redeem CRED Coins to access exclusive discounts and offers from a variety of lifestyle brands.
BHIM UPI App: A Government-Backed Solution for Seamless Digital Transactions
Overview
Launched on December 30, 2016, BHIM aims to facilitate secure, instant, and interoperable payments between banks via the Unified Payments Interface (UPI). It is designed to cater to users across India, supporting 20 languages and offering a minimalist interface for ease of use.
Key Features:
- Instant UPI Payments: Allows users to send and receive money instantly using UPI IDs or by scanning QR codes.
- Aadhaar-Based Authentication: Enables payments using Aadhaar numbers, enhancing accessibility for users without smartphones.
- UPI Lite: Supports UPI Lite, allowing users to make small-value transactions offline, ideal for areas with intermittent internet connectivity.
- Multi-Language Support: Offers support for 20 Indian languages, making it accessible to a diverse user base.
Cashback and Rewards:
While BHIM’s primary focus is on providing a secure and efficient payment platform, it has introduced several initiatives to encourage usage and reward users:
- Government Incentive Schemes: The government has previously launched incentive schemes, such as offering cashback for users who perform a specified number of transactions within a given period.
Amazon Pay UPI: A Convenient and Rewarding Payment Solution
Overview
Amazon Pay UPI is a digital payment platform integrated within the Amazon ecosystem, allowing users to make seamless UPI transactions directly through the Amazon app. It offers a user-friendly interface, enabling quick payments for a variety of services, including bill payments, mobile recharges, and merchant transactions. As of 2025, Amazon Pay UPI continues to be a popular choice among users seeking a reliable and efficient payment solution.
Key Features:
- Seamless Integration: Amazon Pay UPI is integrated within the Amazon app, providing a unified platform for shopping and payments.
- Wide Merchant Acceptance: Users can make payments at numerous online and offline merchants that accept UPI payments.
- Secure Transactions: Amazon Pay UPI employs robust security measures, including encryption and multi-factor authentication, to ensure safe transactions.
Cashback and Rewards:
- Amazon Pay Rewards Gold: By completing 25 transactions across shopping or payments via Amazon Pay, users can unlock the Rewards Gold program, offering up to 5% unlimited cashback on eligible transactions.
- Send Money Offer: Users can receive a flat cashback of ₹25 on sending ₹100 or more via Amazon Pay UPI Send Money option.
- Prime Day Offers: During events like Prime Day, Amazon Pay UPI users can avail additional cashback and discounts on various transactions.
How to Get Cashback:
- Complete Eligible Transactions: Make eligible transactions such as bill payments, mobile recharges, or merchant payments using Amazon Pay UPI.
- Participate in Rewards Programs: Engage in programs like Amazon Pay Rewards Gold by completing the required number of transactions.
- Utilize Promotional Offers: Take advantage of promotional offers during events like Prime Day to maximize cashback opportunities.
Super.money: Flipkart’s UPI App Offering Real Cashback Rewards
Overview
Super.money is a UPI payment platform launched by Flipkart in 2024, aiming to redefine digital payments in India. Unlike traditional UPI apps that offer random rewards, Super.money provides cashback on every transaction, ensuring users receive tangible benefits with each payment.
Key Features:
- Guaranteed Cashback: Earn up to 5% cashback on every merchant UPI transaction, credited directly to your bank account.
- Seamless Integration: Integrates with existing bank accounts, allowing for smooth and efficient transactions.
- User-Friendly Interface: Designed with an uncluttered UX, making it accessible for users of all ages.
- Partner Privileges: Offers special perks and privileges with online and offline partners, enhancing the overall user experience.
Cashback and Rewards:
- Real Cashback: Receive actual cashback on every transaction, not just points or scratch cards.
- Weekly Super Rewards: Participate in weekly draws for exciting prizes, adding an element of fun to your transactions.
- SuperCard: Access credit with the speed of UPI, offering additional cashback and benefits.
How to Get Cashback:
- Download the App: Install the Super.money app from the Google Play Store.
- Register and Link Bank Account: Use your mobile number linked to your bank account to register and link your bank details.
- Make Transactions: Perform UPI transactions with merchants to earn guaranteed cashback.
- Redeem Cashback: Cashback is credited directly to your bank account, making it easy to access your rewards.
Kiwi: A Contender for the Best Cashback UPI App in India
Overview
Kiwi is a digital platform that integrates UPI payments with credit card functionality, offering users a seamless and rewarding payment experience. By linking a RuPay credit card to the Kiwi app, users can make UPI transactions and earn cashback, making it a strong contender for the title of the best cashback UPI app in India.
Key Features:
- UPI Integration with RuPay Credit Cards: Kiwi allows users to link their RuPay credit cards to the app, enabling UPI transactions directly from their credit lines.
- Cashback on Transactions: Users can earn cashback on their UPI transactions made through the Kiwi app, enhancing the value of their purchases.
- Instant Virtual Credit Card: Upon registration, users receive an instant virtual credit card, facilitating immediate use for online and UPI transactions.
- User-Friendly Interface: The app boasts an intuitive design, ensuring a smooth user experience for managing transactions and rewards.
Cashback and Rewards:
- Standard Cashback: Earn 2% cashback on UPI scan and pay transactions made using the Kiwi app for Kiwi Neon members and 1.5% for non-Neon members.
- Neon Subscription Rewards: Kiwi offers a Neon subscription that provides enhanced cashback rates:
- 3% Cashback: Achieved after spending ₹50,000 in a year.
- 4% Cashback: Achieved after spending ₹1,00,000 in a year.
- 5% Cashback: Achieved after spending ₹1,50,000 in a year.
- 3% Cashback: Achieved after spending ₹50,000 in a year.
- Sign-Up Bonus: New users can receive a ₹100 cashback upon joining and 0.25% cashback on all transactions .
How to Get Cashback:
- Download and Register: Install the Kiwi app from the Google Play Store and complete the registration process.
- Link RuPay Credit Card
- Make UPI Transactions: Use the app to make UPI payments and earn cashback on eligible transactions.
- Redeem Rewards: Cashback is credited as Kiwi points, which can be redeemed for statement credit.
Kotak Mahindra Bank UPI App: A Secure and Rewarding Payment Solution
Overview
The Kotak Mahindra Bank UPI App offers a seamless and secure platform for conducting UPI transactions. Integrated within the Kotak Mobile Banking App, it allows users to link their Kotak accounts and perform various banking activities, including UPI payments, bill payments, and more. This integration ensures a unified banking experience, making it convenient for users to manage their finances.
Key Features:
- Unified Platform: Access all banking services, including UPI transactions, within a single app.
- Secure Transactions: Benefit from robust security measures, including biometric authentication and real-time alerts.
- Easy UPI Registration: Quickly create and manage your UPI ID directly through the app.
- Comprehensive Banking Services: Beyond UPI, the app offers services like loan applications, credit card management, and investment options.
Cashback and Rewards:
- Kotak UPI RuPay Credit Card: By linking your Kotak UPI RuPay Credit Card to the app, you can earn 3 reward points per ₹100 spent on eligible transactions. These points can be redeemed for various rewards, enhancing the value of your purchases.
- Kotak811 Super Debit Card: For Kotak811 account holders, the Super Debit Card offers cashback on every transaction. Users can earn up to ₹500 per month by maintaining a minimum balance and making qualifying purchases.
How to Get Cashback:
- Download the App: Install the Kotak Mobile Banking App from the Google Play Store or the Apple App Store.
- Register and Link Account: Create an account and link your Kotak bank account or Kotak811 account to the app.
- Link Credit/Debit Card: For cashback benefits, link your Kotak UPI RuPay Credit Card or Kotak811 Super Debit Card to the app.
- Make Transactions: Use the app to make UPI payments, bill payments, and other transactions to earn cashback and rewards.
PayZapp by HDFC Bank: A Comprehensive Payment Solution with Cashback Benefits
Overview
PayZapp by HDFC Bank is an all-in-one mobile payment app that allows users to make seamless UPI transactions, bill payments, mobile recharges, and online shopping. With its user-friendly interface and robust security features, PayZapp stands out as a reliable choice for those seeking the best cashback UPI app in India.
Key Features
- Unified Payment Interface (UPI): Create a PayZapp UPI handle linked to any bank account, enabling instant money transfers and bill payments.
- Swipe-to-Pay: Make payments with a single swipe, eliminating the need for OTPs, ensuring a swift and secure transaction process.
- Prepaid Wallet: Add funds to your PayZapp wallet using UPI or debit/credit cards and use them for seamless in-app payments and online purchases.
- Cashback and Rewards: Earn assured cashback (CashPoints) on various transactions, including UPI payments, bill payments, and recharges.
- Travel Bookings: Book flights, hotels, buses, and trains, and avail discounts and cashback offers on these bookings.
- Security: Protect your transactions with a unique 4- to 12-digit password and biometric authentication, ensuring secure access and payments.
How to Get Cashback
- Download and Register: Install the PayZapp app from the Google Play Store or the Apple App Store
- Create a UPI Handle.
- Link Cards and Load Wallet: Link your debit/credit cards and load money into the PayZapp wallet.
- Make Transactions.
- Redeem Cashback: Use the earned CashPoints for future transactions or transfer them to your bank account.
Final Words
Choosing the best cashback UPI app can make a significant difference in how you manage your daily transactions and maximize your savings. From seamless payments to attractive cashback offers, these apps not only simplify your financial life but also reward you for every transaction. Whether you prefer the widespread acceptance of Google Pay, the versatile features of PhonePe and Paytm, or specialized apps like Super.money and Kiwi, there’s a solution tailored to your needs.
By picking the right UPI app, you can enjoy the convenience of instant payments while earning meaningful cashback, making every transaction count. So, explore these apps, leverage their offers wisely, and start turning your everyday payments into savings today!
FAQs: Best Cashback UPI App in India
1. What is a cashback UPI app?
A cashback UPI app is a payment platform that allows users to make digital transactions through UPI and earn rewards or cashback on each payment. These apps make everyday payments more rewarding.
2. How do I earn cashback on UPI apps?
Cashback is typically earned by making eligible transactions such as bill payments, recharges, merchant payments, or shopping. Some apps also offer additional rewards through referral programs or promotional campaigns.
3. Is cashback credited instantly?
Most apps credit cashback either instantly or within a few hours/days, depending on the terms of the offer. Always check the app’s terms for exact timelines.
4. Are these UPI apps safe to use?
Yes, all leading UPI apps follow strict security protocols including encryption, two-factor authentication, and secure banking integrations to protect user data and transactions.
5. Can I use multiple cashback UPI apps together?
Absolutely! Users can install and use multiple UPI apps on the same device, linking the same or different bank accounts to maximize cashback opportunities.
6. Can I redeem cashback for cash or only as app credits?
This depends on the app. Some apps like Google Pay and PhonePe credit cashback directly to your bank account, while others may provide app wallet credits that can be used for future payments or purchases.
7. Are there any fees for using cashback UPI apps?
Typically, these apps are free to use for transactions. However, certain features, like credit card-linked payments or premium services, may incur fees.
8. How do I choose the right cashback UPI app for me?
Consider factors like cashback offers, app usability, merchant acceptance, transaction limits, and security features. Comparing multiple apps can help you identify the one that provides the most value for your spending habits.
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