Best UPI Cashback Apps in India (2025 Guide) – Earn Cashback on Every Payment

Online payments in India have grown massively in the last few years, and UPI (Unified Payments Interface) is now the most popular payment method for daily transactions. Whether you’re paying electricity bills, mobile recharge, shopping online, or sending money to someone, UPI makes everything fast, safe, and free.

The best part? Many UPI apps offer cashback, rewards, scratch cards, coins, discount vouchers, and special offers, giving users a chance to save money on every transaction.

In this detailed 2025 guide, you will discover the best UPI cashback apps in India, their features, pros, cons, and tips to maximize your cashback rewards.

Best UPI Cashback Apps in India (2025)

Rank	App	Cashback Type	Best For
1	Google Pay (GPay)	Scratch cards, vouchers	Daily UPI payments
2	PhonePe	Coins, cashback offers	Recharge & shopping
3	Paytm UPI	Paytm Points, promo cashback	Bill payments
4	Amazon Pay UPI	Amazon rewards	Shopping on Amazon
5	BHIM UPI	Govt schemes	Safe & simple payments
6	CRED Pay UPI	Cashback + premium rewards	Credit card users
7	Mobikwik UPI	SuperCash	Recharges
8	Freecharge UPI	Cashback vouchers	Small payments

1. Google Pay (GPay) - Best Overall UPI Cashback App

Google Pay remains the most popular UPI cashback app in India.
It offers scratch cards, cashback rewards, and exclusive merchant offers every week.

Key Features:

• Scratch cards for daily payments

• Cashback for bill payments

• Merchant rewards

• Safe and encrypted bank-to-bank transfers

• Weekly tasks for bonus rewards

Pros:

• High-value cashback (₹5 - ₹1000 possible)

• Clean and simple interface

• Money is credited directly to the bank account

Cons:

• Cashback is not guaranteed for every payment

Best For:

Daily UPI payments like recharge, bills, and QR code scanning.

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2. PhonePe - Best for Recharges & Coins Rewards

PhonePe is India’s most widely used UPI app. It offers PhonePe Coins, reward coupons, and cashback for recharges and shopping.

Key Features:

• PhonePe Coins for every transaction

• Super Offers Zone

• Cashback on recharge, DTH, FASTag

• Flight, bus, and travel bookings rewards

Pros:

• Many recharge offers

• Good merchant cashback

• Fast user support

Cons:

• Scratch card value has decreased

Best For:

Recharge, DTH, and online shopping users.

3. Paytm UPI - Best for Bill Payment Cashback

If you frequently pay electricity, gas, broadband, or water bills, Paytm UPI is the best cashback app for you. It offers Paytm Points, UPI cashback, and promo codes.

Key Features:

• Paytm Points for UPI payments

• Cashback on utility bills

• Discount coupons for shopping

• Wallet + UPI benefits

Pros:

• Many fixed cashback offers

• Large range of services

Cons:

• Direct bank cashback is limited

Best For:

Utility bill payments & recharge users.

4. Amazon Pay UPI - Best for Amazon Shopping Cashback

If you regularly shop on Amazon, Amazon Pay UPI gives the best shopping-based cashback and vouchers.

Key Features:

• Cashback for Amazon shopping payments

• Rewards for bill payments

• Flight and bus booking cashback

• Movie ticket offers

Pros:

• Very high-value rewards

• Safe and instant UPI transfer

Cons:

Cashback goes to Amazon Pay wallet, not bank

Best For:

Amazon users who want extra discounts on shopping.

5. BHIM UPI - Simple & Safe UPI App

BHIM is India’s official UPI app. It offers limited rewards but provides a very smooth, clean, and safe UPI payment experience.

Key Features:

• Simple UPI payments

• No extra ads

• Govt-backed reward schemes

• QR code support

Pros:

• Extremely safe

• Lightweight app

• Zero transaction charges

Cons:

• Limited cashback

Best For:

Users who want a simple, secure government-backed UPI app.

6. CRED Pay UPI - Best for Premium Users

CRED is known for its premium rewards for credit card bill payments. CRED Pay UPI also offers exclusive cashback and vouchers.

Key Features:

• Premium brand offers

• Cashback on payments

• Credit card integration

• High security with advanced features

Pros:

• High-value vouchers

• Modern & clean interface

Cons:

• Only available for users with a 750+ credit score

Best For:

High-income or credit-card users.

7. Mobikwik UPI - Best for SuperCash Rewards

Mobikwik is known for its SuperCash system, which gives discount-like cashback on many services.

Key Features:

• SuperCash on recharge

• Cashback on utility bills

• Pay Later feature

• Fast UPI payments

Pros:

• More offers compared to other apps

• Popular for mobile recharge

Cons:

• SuperCash usage is limited

Best For:

Recharge users who want consistent small rewards.

8. Freecharge UPI - Good for Cashback Vouchers

Freecharge UPI provides cashback vouchers for bill payments and small transactions.

Key Features:

• Cashback vouchers

• Recharge & bill payment offers

• Discount coupons for food, travel

Pros:

• Simple to use

• Frequent offers

Cons:

• Cashback mostly in the form of vouchers

Best For:

Users who prefer voucher-based savings.

How UPI Cashback Works

UPI cashback systems work in different ways:

1. Scratch Cards (Google Pay, PhonePe)

You unlock a scratch card → scratch → get cashback or a reward.

2. Reward Coins (PhonePe)

Coins can be redeemed later for discounts.

3. Wallet Cashback (Amazon Pay)

Money adds to the wallet, usable for shopping.

4. Points System (Paytm Points)

Points used for ticket booking, payments, etc.

5. Vouchers (Freecharge, PayZapp)

Coupons for shopping & dining.

6. SuperCash (Mobikwik)

Discount-style cashback applied to the next payment.

Who Should Use Which App?

Choosing the right UPI app depends on your payment needs. Here’s a quick guide:

• Google Pay: Best for daily UPI payments, QR scans, and scratch-card rewards.

• PhonePe: Ideal for mobile recharge, DTH, FASTag, and online shopping.

• Paytm UPI: Perfect for electricity, gas, broadband, and all utility bill payments.

• Amazon Pay UPI: Best for users who shop regularly on Amazon.

• BHIM UPI: Great for users who want a simple, safe, ad-free UPI app.

• CRED Pay UPI: Suitable for high-income users or credit card bill payers.

• Mobikwik UPI: Good for users who like SuperCash and frequent recharges.

• Freecharge UPI: Best for small transactions and voucher-based savings.

This helps users quickly pick the app that fits their spending style.

Is UPI Cashback Ending in India?

No, UPI cashback is not ending in India. However, cashback has become less frequent and smaller compared to earlier years.

Here’s what’s happening:

• Apps now focus more on vouchers, coins, points, and merchant rewards instead of direct bank cashback.

• The government has not banned cashback.

• Popular apps like Google Pay, Paytm, PhonePe, and Amazon Pay still run seasonal and partner offers.

So yes, cashback is still available, just in new forms and mostly during special promotions.

How to Earn Maximum Cashback from UPI Apps

1. Use different apps for different payments

One app for recharge, another for bills → more rewards.

2. Check offers before paying

Every app has an Offers section.

3. Make small payments often

Small QR payments give more scratch cards.

4. Use festive offers

New Year, Diwali, Republic Day = highest cashback season.

5. Complete tasks

Google Pay weekly tasks = extra rewards.

6. Use promo codes

Especially on Paytm & Amazon Pay.

Common Mistakes to Avoid

• Making all payments from one app

• Not checking terms & conditions

• Using expired promo codes

• Expecting cashback for every UPI transaction

• Ignoring small merchant cashback offers

Conclusion

UPI cashback apps are an easy way to save money on daily payments. Each app has its own rewards, scratch cards, coins, points, or wallet cashback. By checking offers, using the right app for the right payment, and making small regular transactions, you can earn steady cashback throughout the month. With smart usage, UPI payments become both fast and rewarding.

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FAQs – Best UPI Cashback Apps in India (2025)

Q1. Which UPI app gives the highest cashback?

Google Pay and Amazon Pay usually offer the highest-value cashback and vouchers.

Q2. Can I earn cashback on every UPI transaction?

No, Cashback depends on active offers, merchant category, and app terms.

Q3. Which app is best for recharge cashback?

PhonePe, Paytm, and Mobikwik give the best recharge rewards.

Q4. Are UPI cashback offers safe?

Yes, as long as you use trusted apps like Google Pay, PhonePe, Paytm, Amazon Pay, BHIM, etc.

Q5. How do I check ongoing cashback offers?

Each app has an Offers or Rewards section where you can see all running deals.

Q6. Does cashback go directly to my bank account?

Google Pay and PhonePe usually credit cashback to your bank. Amazon Pay and Freecharge add it to your app wallet.

Q7. Is UPI cashback taxable?

No, regular cashback from apps is not taxable for users.

Q8. Which app is best for beginners?

Google Pay and PhonePe are simple, secure, and easy for beginners.