Best UPI Cashback Apps in India 2025
Best UPI Cashback Apps in India 2025 – Earn While You Pay!
In 2025, UPI (Unified Payments Interface) has revolutionized the way India transacts. But the real game-changer? Cashback. If you’re not earning while spending, you’re missing out. Let’s dive into the top UPI cashback apps that reward you every time you pay digitally.
🔥 Why Use UPI Cashback Apps?
UPI apps aren't just for transferring money anymore—they're your mini cashback engines. Every bill payment, every mobile recharge, every peer-to-peer transfer can now fetch you real money or rewards.
✅ Benefits:
- Scratch cards with real cash rewards
- Seasonal offers and challenges
- Discounts on shopping and services
- Referral bonuses
- Loyalty points redeemable for vouchers
🏆 Top 6 UPI Cashback Apps in India (2025)
1. Google Pay (GPay)
Best for: Scratch card lovers and regular bill payers.
Google Pay has become a household name in India. Its rewards system is simple—pay, and you might win.
Features:
- Scratch cards for P2P & merchant payments
- Cashback on electricity, gas, and broadband bills
- Periodic campaigns like “Go India” with huge prizes
2. PhonePe
Best for: Bill payments, investments, and recharges.
PhonePe provides a multi-dimensional rewards program combining cashback, supercoins, and discounts.
Features:
- Supercoin program for regular users
- Cashback on mobile/DTH recharges
- Offers on mutual funds, gold purchase, and more
- Game-based cashback challenges
3. Paytm
Best for: Shopping and promo-code-based cashback.
Paytm offers cashback not just on UPI payments but also while shopping on Paytm Mall, movie tickets, and travel bookings.
Features:
Instant promo-code cashback
Bonus offers on adding money to wallet
Regular scratch cards for UPI money transfers
Loyalty rewards via Paytm First
4. BHIM App
Best for: Minimalist users and secure government transactions.
Though less flashy than others, the BHIM app—developed by NPCI—occasionally offers direct cashback, especially for new users.
Features:
- No advertisements or clutter
- Occasional government-backed cashback schemes
- Light and fast user experience
- Direct-to-bank rewards
5. Amazon Pay UPI
Best for: Shopping and Prime member deals.
Amazon Pay offers rewards both within and outside the Amazon ecosystem. Frequent users of Amazon will benefit the most.
Features:
- Scratch cards for every transaction
- Bonus cashback for Prime members
- Shopping discounts using Amazon Pay balance
- Monthly UPI transaction contests
6. CRED UPI
Best for: Premium users and credit card holders.
Originally a credit card payment app, CRED now supports UPI payments with premium cashback and rewards.
Features:
- CRED Coins earned for every UPI transaction
- Exclusive brand vouchers
- Cashback in CRED wallet and bank account
- Higher rewards for timely and large payments
💡 Tips to Maximize Cashback
Here are some strategies to ensure you never miss a reward:
1. Use multiple apps – rotate between Google Pay, PhonePe, and Amazon Pay
2. Refer friends – almost every app offers referral bonuses
3. Watch for seasonal campaigns – Independence Day, Diwali, and New Year often bring mega rewards
4. Use UPI for all types of payments – shopping, bills, transfers, donations, and more
5. Enable notifications – so you never miss a cashback opportunity
🎯 Your Smart Tips
If you’re not earning cashback with UPI in 2025, you’re leaving money on the table. Choose the apps that fit your lifestyle—PhonePe for frequent bill payments, Google Pay for regular transfers, and Amazon Pay for shopping. Mix and match for maximum cashback potential.
UPI is no longer just a convenience; it’s a way to earn while you spend.