Best Cashback UPI Apps
| Sr. No. | App Name | Type of Rewards | Best For | Play Store Rating | App Store Rating |
|---|---|---|---|---|---|
| 1 | PhonePe | Cashback & promotional rewards credited as PhonePe wallet balance; scratch coupons and referral offers appear in the “Offers/Rewards” section. | Everyday UPI payments with access to bills, recharges, QR pay + multi-service platform | 4.5 / 5 | 4.7 / 5 |
| 2 | Google Pay (GPay) | Variable rewards via scratch cards and bank-to-bank cashback credited via UPI; campaign bonuses. | Users who like surprise rewards and simple UPI transfers | 3.9 / 5 | 4.6 / 5 |
| 3 | Paytm | Cashback and reward incentives on UPI transactions (e.g., up to ₹75 for eligible spends) and referral bonuses; credited to Paytm wallet. | Bill payments, recharges, shopping and layered rewards ecosystem | 4.8 / 5 | 4.7 / 5 |
| 4 | Amazon Pay | Cashback rewards via UPI and merchant offers, often tied to Amazon ecosystem purchases and bill payments. | Amazon shoppers and integrated payment + shopping experience | 4.4 (Amazon Shopping) | 4.8 |
| 5 | CRED | Rewards (coins, offers, occasional cashback) for UPI and credit card bill payments; premium reward system for creditworthy users. | Users focused on credit card bill payments and premium rewards | 4.8 / 5 | 4.8 / 5 |
| 6 | Kiwi | Up to ~5% real cashback on UPI transactions using RuPay credit card integration (direct rewards). | Users seeking direct cashback with credit card-linked UPI | 4.4 | 4.3 / 5 |
| 7 | SuperMoney (super.money) | Up to 5% guaranteed cashback on UPI payments (direct real-cash rewards). | Users wanting straightforward cash-back-on-every-payment UPI rewards | 4.2 / 5 | 4.7 |
| 8 | MobiKwik | Cashback/SuperCash on recharges, bills, and select UPI spends; referral bonus programs also exist. | Users who want wallet plus UPI with frequent offers | 4.4 / 5 | 4.6 |
| 9 | Freecharge | Cashback and discount coupons on UPI transactions, recharges, bill pay (often via partner and bank offers). | Utility users who want consistent bill/recharge rewards | 4.3 | 4.6 |
| 10 | BHIM | Occasional discounts/offers during NPCI campaigns; less frequent cashback than commercial apps. | Simplest & government-backed UPI experience with occasional incentives | 3.8 | 4.5 |
| 11 | Freo | Promotional cashback tied to bills, recharges, milestone campaigns; cashback depends on in-app offers. | Users looking for payments + credit + earning occasional rewards | 4.4 / 5 | 3.9 / 5 |
Which UPI App Gives the Most Cashback? — Quick-Pick Guide
1
PhonePe
2
Google Pay is built around UPI and links directly to your bank account. The app is known for its reward-style experience where eligible payments can unlock scratch cards and occasional mini-games. On regular transactions, cashback is usually small, but you may get higher value rewards during special campaigns. Keep in mind that some scratch cards can also give ₹0, which is normal with these random reward systems.
Cashback related features
Scratch card rewards on eligible UPI payments like merchant spends, bills, and recharges
Campaign-based bonuses when you complete a set number of transactions
Referral rewards for first-time users on their first successful UPI payment
Merchant partner offers that unlock discounts or bank-funded cashback
3
Paytm mixes UPI and wallet payments with a super app style experience. It covers bill pay, recharges, shopping, transit, and ticketing. Cashback usually shows up as Paytm balance credits, promo codes, or vouchers, especially on utilities and recharges. It is a decent option if you already use Paytm for bills and recharges regularly.
Cashback related features
Cashback as Paytm balance or promo credits on recharges, bill payments, tickets, and selected spends
Campaign scratch cards and vouchers on UPI merchant payments
Loyalty-style rewards on select categories through Paytm programs and partners
Bank and card offers that can stack with Paytm rewards during sale periods
4
Amazon Pay works inside the Amazon app and is mainly used for shopping, bill payments, and some QR-based payments. Rewards are mostly in the form of Amazon Pay balance, either as scratch cards or fixed offers. If you already shop on Amazon a lot, this can feel more useful because the cashback comes back into your Amazon ecosystem.
Cashback related features
Cashback as Amazon Pay balance on bills, recharges, and selected merchants
Structured “collect offer” and “unlock offer” rewards based on your transaction count or spend
Bank and card-issuer offers, including co-branded card deals
Targeted personalized rewards for frequent users in the Rewards section
5
CRED began as a credit card bill payment app and now offers UPI as well. It rewards users mostly through CRED coins, with occasional cashback and vouchers. The rewards can feel small and unpredictable, but CRED sometimes runs big campaigns where higher value rewards show up, especially for bill payments and rent payments.
Cashback related features
CRED coins for card bill payments that you can redeem for vouchers or discounts
Rewards on UPI scan and pay and pay anyone, usually as coins, coupons, or occasional cashback
Bigger campaign offers for recurring payments like rent and bill payments
Partner programs that may unlock extra rewards depending on the offer
6
Kiwi is popular because it supports UPI payments through RuPay credit cards. This means you can scan and pay via UPI but still earn cashback like a card transaction. Kiwi rewards are credited as “Kiwis” which can be converted to cash in your bank account. It is a great option if your main goal is real cashback on offline QR payments.
Cashback related features
Around 1.5% cashback on many offline UPI spends with Kiwi co-branded RuPay cards
Higher tiers like Neon can go up to around 5% on select UPI transactions
Linked RuPay card program that can give about 0.25% cashback (with monthly caps)
Card management inside the app plus card issuer rewards may continue on eligible spends
7
super.money positions itself as a rewards-first UPI app and focuses on assured cashback instead of scratch cards and coins. It highlights up to around 5% cashback on online payments at popular brands. It also has a RuPay superCard that can offer cashback on UPI scan and pay through the app, usually with monthly caps.
Cashback related features
Assured cashback on eligible UPI payments, with less focus on coupons and coins
Up to around 5% cashback on online payments at brands like Flipkart, Myntra, Swiggy, Zomato, and more
superCard RuPay credit card offers cashback on UPI scan and pay, plus cashback on other spends
Offers can be tied to milestones like completing payments, using the card, or using deposits
8
MobiKwik is a wallet plus UPI app where rewards typically show up as SuperCash. SuperCash usually works like a discount credit that you can use partially on future transactions. It is useful if you do frequent recharges and bills, because the app keeps running category-wise offers with caps.
Cashback related features
SuperCash on recharges, bill payments, and select UPI spends
SuperCash can be applied on later transactions, usually with per-transaction caps
Category campaigns like electricity, gas, fuel, and food delivery
Extra rewards via co-branded credit, BNPL, and repayment based offers
9
Freecharge started with recharges and later expanded into UPI and bill payments. Cashback is usually modest but regular, and a lot of it comes through bank partnerships and promo codes. It is a decent option if you mainly want deals on bills and recharges and you do not care about heavy gamification.
Cashback related features
Cashback and discount coupons on recharges and bill payments with caps and minimum transaction conditions
Occasional UPI-specific campaigns for partner merchants
Bank-funded offers on card payments that can stack with app offers
Promo-code-based rewards for new users and specific bill categories
10
BHIM is NPCI’s official UPI app and is designed more for clean usage than cashback. In the past, it had incentive schemes that were stronger, but today BHIM is generally chosen for simplicity and reliability. Cashback is usually limited and depends on whether any NPCI or government incentives are running at that time.
Cashback related features
Incentives may appear during limited-time NPCI or policy-linked campaigns
Minimal clutter, fewer coupons, fewer reward popups
Good for users who want a basic UPI experience over rewards
11
Freo is an all-in-one money app that includes UPI plus products like credit lines, fixed deposits, and other financial features. Cashback is mostly promotional and can be tied to bill payments, recharges, or milestone campaigns. If you are already using Freo for savings or credit products, the occasional cashback campaigns can be a bonus.
Cashback related features
Promotional cashback or vouchers on bills, recharges, and occasional UPI spends
Some offers tied to FDs, credit lines, or other in-app financial actions
May support RuPay credit on UPI, so you can earn card issuer rewards on eligible spends
Streaks or milestone rewards when active
