In the current digital age, a smartphone can be considered a digital wallet that pays you back. Digital payments in India have boomed significantly, and the country now witnesses more than 14 billion transactions every month. With the market being extremely competitive, the best cashback UPI app providers are continuously trying to attract users by providing lucrative deals and real money rewards. The data reveals that intelligent users can save from ₹500 to ₹2,000 every month, depending on the platform they choose for their utility bills, groceries, and recharges.
It doesn’t matter whether the method of getting money back is through digital scratch cards or direct bank credits; the fact that you can get a little portion of your spend back has never been more straightforward. In addition to this, the rewards have escalated from mere pennies to significant percentages due to the RuPay credit card integration on UPI. It’s not just a matter of convenience anymore; it’s about your money working harder for you. In this article, we will look at the best cashback UPI apps and how you can maximize your earnings every time you scan a QR code. Read on!
TL;DR: Best Cashback UPI Apps
- India processes 14+ billion UPI transactions monthly, and the best cashback UPI apps can help users save ₹500–₹2,000 per month on everyday payments.
- Cashback is offered through scratch cards, direct bank credits, wallet balance, coins, vouchers, and bill-payment offers.
- Top cashback UPI apps in India (2026) include PhonePe, Google Pay, Paytm, Amazon Pay, CRED, BHIM, and Super: money, Kiwi, Kotak UPI, and HDFC PayZapp.
- Best picks by usage:
- Every transaction cashback: Super.money, Kiwi
- Bill payments & utilities: PhonePe, PayZapp
- Offline merchant payments: Paytm
- Online shopping: Amazon Pay
- Credit card users: CRED, Kiwi
- Secure & straightforward: BHIM
- RuPay credit card on UPI can double rewards by combining card benefits with app cashback.
- To maximize earnings, check offers before paying, pay bills via UPI apps, use festive deals, and refer friends.
- The best cashback UPI app depends on your spending habits—choose one that matches how and where you pay most often.
How Cashback Works on UPI Apps
UPI apps don’t just hand out money for free; they implement rewards as a tactic to keep users loyal to their platform. These include several mechanisms that convert your digital payments into savings, as enumerated below:
- Transaction Incentives: To pay merchants, you get a small token of appreciation if you use their specific gateway.
- Brand Tie-ups: Many platforms partner with food and travel brands to offer exclusive percentage-based discounts.
- Gamified Rewards: You are often given scratch cards or mystery boxes after a payment to make the process more enjoyable.
- Bill Payments: Special rewards are generally reserved for heavy tasks such as electricity, water, or gas bills.
- Referral Bonuses: By inviting friends and family to use the app, you can earn a flat fee.
Factors to Choose the Best Cashback UPI App
Apps are not all created equal; what works well for one person’s spending habits may not work for another. This means weighing up the following points:
- Reward Frequency: Choose apps that give you continuous rewards rather than merely a one-time joining bonus.
- Merchant Network: The top cashback UPi app should be usable not only at major malls but also at small local stores.
- Safety Standards: Ensure that the app employs high-level encryption as well as biometric locks for the safety of your bank details.
- User Interface: With the help of a neat design, it becomes easier to locate the “Offers” section without getting mixed up in other sections of the app.
- Redemption Ease: Find out if the money saved through cashback will be credited to your bank account, e-wallet, or as discount vouchers.
10 Best Cashback UPI Apps in India (2026)
1. Google Pay (GPay)
Google Pay (previously “Tez”) is the runner-up in India, holding a colossal 37% market share with more than 67 million monthly users. It is generally regarded as the best UPI app for cashback and the best cashback UPI app in India for those who delight in the surprise of rewards via digital scratch cards. Besides, for fast P2P transfers, it is also very efficient to use, as it goes hand in hand with your contacts, and Android devices have supported it with over 1 billion installs. In addition, it protects every transaction with Google’s state-of-the-art security. Furthermore, it has recently introduced the “Your Fund Certificates” feature to make payments even for those without regular bank accounts easier.
- How this App offers Cashback & Rewards: Some digital scratch cards, vouchers, and event-based cashback tasks.
- Pros: Almost perfect success rate, intuitive UI, good security.
- Cons: Usually, scratch cards display “Better luck next time,” and no wallet in the app.
- App Download Link: https://play.google.com/store/apps/details?id=com.google.android.apps.nbu.paisa.user&hl=en_IN
2. PhonePe
PhonePe currently sits at the top of the pyramid as India’s market leader, handling roughly 47.8% of all UPI transaction volumes. It is the best cashback UPI apps in india because it offers a predictable reward system for its 600 million registered users. Moreover, the app handles an astounding 330 million transactions daily; thus, it is very reliable. In addition, its November 2024 data indicated that approximately 7.4 billion monthly transactions drove the dominance. Besides this, to serve a broad user base, the app is available in several regional languages.
- How this App offers Cashback & Rewards: Flat cashback on bills, SuperCoins, and merchant-specific discount codes.
- Pros: Great reliability, utility bills are friendly, SuperCoins can be spent on Flipkart.
- Cons: A small platform fee for recharges may be charged at times.
- App Download Link: https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN
3. Paytm
With a UPI usage volume of over 40 million, Paytm still stands as a major player in the ecosystem and is ranked third with a market share of about 7% in 2024. Being present in millions of retail outlets, it is frequently referred to as the best UPI app for cashback and the best cashback UPI app for offline shopping. The app, in addition, surpassed 100 million monthly active users by the end of 2024, which is a strong indication of its deep-rooted integration in the users’ daily routine. With more than 500 million downloads, it welcomes a large number of users with a variety of offers on movie tickets and flights. Additionally, “Paytm Postpaid” is available to those who require short-term credit.
- How this App offers Cashback & Rewards: Points-to-cash conversion, flat cashback on tickets, and promo codes.
- Pros: Largest merchant network, a wide range of features, and frequent deals.
- Cons: The interface is very cluttered with a lot of icons.
- App Download Link: https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN
4. Amazon Pay
Amazon Pay is a leading player in the e-commerce sector and is presently ranked 19th with a UPI market share of around 0.6%. The figure might look insignificant, yet the service is the best cashback UPI apps for those who are regular shoppers and like to earn “Pay Balance” rewards. Moreover, the integration with the Amazon shopping app makes it a favorite among millions of Prime members. Besides that, it is granted RBI licenses for both wallet and payment aggregation, thus ensuring very high safety standards. In addition, as one of the trusted Cashback UPI Apps in India, it is progressively concentrating on merchant payments in order to increase its reach.
- How this App offers Cashback & Rewards: Amazon Pay balance credit, shopping vouchers, and “collectible” coupons.
- Pros: Perfect for shoppers, fast refunds, and integrated with Amazon Prime.
- Cons: Rewards are mostly restricted to the Amazon ecosystem.
- App Download Link: https://www.amazon.in/amazonpay/home?ref_=mweb_navm_apay
5. CRED
With a user base of more than 13 million people with high credit scores, CRED is a platform that is designed explicitly for wealthy users. It will have become the best UPI app for cashback among cashback UPI apps in India for credit card holders, with a volume of over 150 million UPI transactions. Besides that, it is ranked fifth in the total volume of transactions among all UPI apps. Moreover, the platform incentivizes good financial behavior by giving coins for every on-time bill payment. In addition, it offers detailed expenditure analysis charts to help users with money management.
- How this App offers Cashback & Rewards: Coins for bill payments, “Kill the Bill” cashback, and premium brand deals.
- Pros: Premium rewards, tracks multiple cards, and no ads.
- Cons: Limited to high credit score users only, rewards can be luck-based.
- App Download Link: https://play.google.com/store/apps/details?id=com.dreamplug.androidapp&hl=en_IN
6. BHIM (NPCI)
BHIM is a government-backed official app that, in spite of its smaller market share of 0.8%, is an epitome of transparency. It is among the best cashback UPI apps for those who want an ad-free, lightweight experience without third-party tracking. Furthermore, it supports more than 20 Indian languages so that anyone can use it. In addition to that, it provides “Spend Insights,” which assist users in keeping track of their monthly budget. Moreover, its UPI Lite service makes even the smallest of transactions very fast.
- How this App offers Cashback & Rewards: Direct bank credits for specific merchant payment milestones.
- Pros: Extremely secure, government-backed, and free from advertisement.
- Cons: Minimal number of ongoing offers as compared to private apps.
- App Download Link: https://play.google.com/store/apps/details?id=in.org.npci.upiapp&hl=en_IN
7. Super.money
Super.money has become the talk of the town in the fintech world and has very recently achieved the 1% market share milestone in an unprecedented short time. Just lately, it has become one of the best cashback UPI apps as it has done more than 260 million transactions in a single month. Besides that, it provides genuine bank-credited cashback instead of giving some useless points. Also, the app is committed to providing a smooth experience to those few daily small merchant scans.
- How this App offers Cashback & Rewards: Flat percentage cashback on every merchant scan.
- Pros: Real money (no points), speedy, straightforward to use.
- Cons: A new app with a limited number of bill payment options available at the moment.
- App Download Link: https://play.google.com/store/apps/details?id=money.super.payments&hl=en_IN
8. Kiwi
With a focus on “UPI on Credit,” Kiwi has changed the game and currently holds a Play Store download record of over 10 million times. For users who are willing to earn a maximum of 2% cashback on some selected categories of spend, it is regarded as the best UPI app for cashback and the best cashback UPI app. Plus, the app has announced a monumental jump in its revenue for the last fiscal year, which is a strong indicator of high user trust. In addition, it offers a virtual RuPay card that does not require the user to pay a joining fee. Add to that the mini-games, which allow users to get rewarded after each transaction, making it a very user-friendly app for managing short-term credit lines.
- How this App offers Cashback & Rewards: Points that can be converted to cash for every transaction made through credit-UPI.
- Pros: Successfully merges the benefits of a credit card with UPI, and offers easy tracking.
- Cons: The best rewards are only available for their specific card.
- App Download Link: https://play.google.com/store/apps/details?id=in.gokiwi.kiwitpap&hl=en_IN
9. Kotak Mahindra Bank (UPI)
The integration of UPI at Kotak is an excellent piece of news for bank clients, as it is said to have managed approximately 730 million transactions in a single month recently. It becomes one of the best cashback UPI apps for those who want to access more than 400 banking services while making a single payment. In the meantime, the bank is credited with adding more than 10 million non-Kotak users to its UPI ecosystem by merely opening its UPI features to them. Moreover, it is giving away pre-approved RuPay credit cards to the eligible users for free and on the spot.
- How this App offers Cashback & Rewards: Credits in the account and partner brand discounts.
- Pros: Extremely safe, well-integrated with the bank, good support.
- Cons: The bank customers are the ones who can mostly avail themselves of the offers.
- App Download Link: https://play.google.com/store/apps/details?id=com.kotak.bank.mobile&hl=en_IN
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10. PayZapp (HDFC)
HDFC’s PayZapp is an app that has been awarded numerous times and is presently providing its services to over 60 million active users. It is one of the best cashback UPI apps because it manages nearly 8% of all digital payments in India. Besides that, it was given the esteemed Celent Model Bank Award 2024 for its innovative features. Also, it introduces a “Swipe to Pay” feature that avoids the need for OTPs in the case of minor card payments. Furthermore, the app has been able to keep its volume of yearly growth at 15%, which is a good indicator of its continuous rise in popularity.
- How this App offers Cashback & Rewards: CashPoints, flat cashback on bill categories, and SmartBuy deals.
- Pros: Brand that can be trusted, high cashback on specific categories.
- Cons: HDFC card users are in the spotlight too much.
- App Download Link: https://play.google.com/store/apps/details?id=com.hdfcbank.payzapp&hl=en_IN
Which UPI App Gives Cashback on Every Transaction?
Most of the apps offer “random” scratch cards, but currently, Super. Money and Kiwi are doing the most to provide cashback on almost every merchant transaction. Super. Cash offers a flat percentage of the amount spent back directly to your bank account, while Kiwi rewards you with points for every credit-based UPI scan.
If you are looking for a more well-known name, Google Pay is relatively consistent, but it depends on luck, while Paytm mainly awards spending with points that you can later convert to cash.
Comparison Table: Best Cashback UPI Apps
| Name | Cashback Type | Frequency | Withdrawal Support | Referral Rewards | Best Use Case |
| Google Pay | Scratch Cards | High | Direct Bank | ₹51 – ₹201 | Daily P2P & Scans |
| PhonePe | SuperCoins/Flat | Medium | Bank/Wallet | ₹100 | Bill Payments |
| Paytm | Points/Wallet | High | Wallet | ₹100 | Offline Stores |
| Amazon Pay | Wallet Balance | Medium | Wallet | Varies | Online Shopping |
| CRED | Coins/Cashback | High | Bank | Premium Gifts | Credit Card Bills |
| Super.money | Direct Cash | Very High | Direct Bank | ₹250 | Every Merchant Scan |
Tips to Maximize UPI Cashback in India
To get the highest cashback from UPI through an app that offers the best cashback, you need to play a game with strategy and timing. The savings you can get by doing this are:
- Linking RuPay: A RuPay credit card should be used for UPI transactions so that both bank points and app cashback can be earned.
- Check “Offers”: It is your duty to always check the “Rewards” or “Offers” tab prior to making a high-value purchase.
- Pay Bills: By using apps like PhonePe or PayZapp for electricity and gas, you can avail of flat discounts.
- Festive Timing: Wait for sales or festivals to make your big purchases when apps are going to launch massive reward campaigns.
- Refer Friends: Get family members on board using your personal link; this is the easiest way to make a flat ₹100.
Conclusion
The core of the question “what is the best cashback UPI app?” lies in how well the rewards are customized to one’s daily life. For instance, if you are an Amazon shopper, use Amazon Pay only; on the other hand, if you want real cash for every scan, give Super. Give money a try.
These apps, in fact, have turned digital payments into a habit that is both necessary and rewarding. As some of the best UPI apps in India, the only thing you have to do is to take care of yourself, do not share your UPI PIN with anyone, and always check the merchant name before clicking “Pay.” Happy earning!
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FAQs
Is it safe to use these UPI apps for cashback?
Yes, these apps implement bank-grade encryption and are under the NPCI regulations to ensure that both your money and data are safe.
Can I use multiple UPI apps on the same phone?
Yes, you can have multiple apps on one phone, so you can decide which app offers the best cashback for a particular bill.
Does cashback ever expire?
That depends on the app; the wallet balance usually stays indefinitely, but some scratch cards or vouchers might have an expiration date of 7 to 30 days.
Why did I not receive my cashback?
Ensure that you fulfill the “Minimum Transaction Value” as stated in the offer terms, and your bank account is in good standing.
Which app is best for first-time users?
Google Pay and PhonePe are the most user-friendly when it comes to setting up and usually give an assured “Welcome” cashback for your first transaction.
Do I need a credit card to get cashback?
Not at all. Most apps offer cashback on direct bank transfers. However, by using a RuPay credit card, you can often double your rewards.
