UPI (Unified Payments Interface) has made the transfer of money in the digital world extremely convenient. Whenever you want to pay your friend, buy groceries, or recharge your phone, you can do it fast and safely with a UPI app. Did you know that many UPI cashback apps also reward you with cashback and rewards for doing all these trivial tasks?
Yes! Earning cashback or other rewards for bill payments or sending money is possible through scratch cards, discounts, or vouchers. This article will focus on the best UPI app for cashback in 2025. We will keep it simple so that the reader can choose an app that works for them and start earning rewards today!
Best UPI App for Cashback
Looking to earn rewards every time you pay a bill or send money? These UPI cashback apps offer exciting cashback, scratch cards, and vouchers on daily transactions. Here are the best cashback UPI app options in 2025 to help you save more while you spend smartly.
1. Google Pay (GPay)
Launched: September 2017
Its Highly regarded, fast, easy, and essentially safe, Google Pay is one of the most used UPI apps in India. It is a big added benefit that gives you scratch cards upon completing transactions. Good for people who like really simple app and would like to earn small rewards from time to time.
Cashback and Rewards:
- Earning scratch cards after sending cash or settling a bill.
- Some scratch cards offer ₹5 to even ₹100 or more.
- Google Pay also runs offers like “pay 3 friends and earn ₹150”.
Other features:
- Recharge mobile easily; pay bills; scan by QR.
- Rewards are directly credited to your bank account.
- Hold festive offers and cashback during special occasions.
2. PhonePe
Launched: August 2016
PhonePe has put up a good fight within the UPI atmosphere. It provides cashback for sending money, shopping, and recharges. The best UPI app for cashback if you frequently pay bills or shop online.
Cashback and Rewards:
- Cashbacks for recharges, bill payments, and merchant transactions.
- There used to be offers like “₹20 cashback on ₹200 recharge.”
- Super coins that can be redeemed for discounts are also given by PhonePe.
Other Features:
- Book flights, order food, shop online everything in one place.
- Also, there is a wallet and gold purchase option.
- Refer your friends to earn cashback.
3. Paytm
Launched: November 2017
While it began as a wallet app, Paytm has evolved into a fully functional UPI app. There are numerous cashbacks available for different services. Just perfect for people who want cashback on anything from bills to tickets.
Cashback and Rewards:
- Cashback on electricity, gas, and DTH bill payments.
- Earn Paytm Cashback Points for vouchers.
- Scratch cards for UPI transfers as well.
Other Features:
- Book your movie and train tickets, pay at retail outlets, and more.
- So easy for their wallet-and-UPI combo.
- Daily Offers and Festival Offers.
4. BHIM App
Launched: December 2016
BHIM is the officially certified UPI app developed by the government. It is an easy-to-use application with security enabled and is made for users looking for a simple and incandescent application. Not for cashback but is good for one-time users.
Cashback and Rewards:
- Cashbacks are not too attractive these days, but earlier one could earn as much as ₹750 per month.
- Sometimes gives rewards for new users and during government campaigns.
Other Features:
- Lightweight app; can be run even on phones with lesser storage.
- Very, very safe and easy to use.
- Supports many banks.
5. Amazon Pay (UPI)
Launched (UPI): February 2020
The one if you shop on Amazon. Amazon Pay offers tremendous cashback and coupons, especially during sales. Best cashback UPI app for Amazon shoppers, especially those who love cashback and coupons.
Cashbacks and Awards:
- You earn Amazon cashback when you pay bills or send money.
- Often gives away gift cards instead of cash.
- Great for those who will regularly do their shopping on Amazon.
Other Features:
- Bill auto-pay.
- Works seamlessly in the Amazon app.
- Offers much more during the Amazon Great Indian Festival and other sales.
6. PayZapp (HDFC Bank)
Launched: 2015
A full-featured UPI and digital payments app by HDFC Bank, PayZapp offers a blend of convenience and rewards with no-frills functionality. You earn CashPoints on UPI transactions, bill payments, merchant spends, and recharges, redeemable for vouchers or wallet balance, with a monthly cashback cap. It supports OTP-free ‘Swipe‑to‑Pay’, recurring UPI mandates (AutoPay), and allows linking debit/credit cards—all within one integrated interface.
Cashback & Rewards:
- CashPoints on UPI payments, recharges, merchant spending—redeemable for vouchers and wallet balance.
- Monthly cashback cap of up to ₹1,200 across payments and autopay.
- Exclusive features for Pixel Credit Card users: bonus rewards on UPI transactions made via linked creditcard.
Other Features:
- OTP-free “Swipe-to-Pay” functionality using linked HDFC cards and wallets.
- Recurring UPI mandates for fixed payments.
- Integrated dashboard: travel bookings, bill reminders, and smart budgeting.
7. Pockets by ICICI Bank
Launched: February 2015
Pockets is a versatile wallet-focused UPI app from ICICI Bank, letting you pay with a unique VPA tied to your wallet balance no savings account required. It often runs 10% cashback offers on bills and e-commerce, capped monthly around ₹200. You also get instant virtual VISA cards (and can request physical ones) along with support for Audio-QR and Bharat‑QR payments. Integrated deal features and in-app cashback auto-applied make it a convenient all-rounder.
Cashback & Rewards:
- Flat 10% cashback (up to ₹200/month) on utility payments using code PKBILL10PC.
- e‑commerce and travel promos include 10–15% cashback on partner bookings .
Other Features:
- Instant virtual VISA card plus physical card on demand.
- Supports UPI, Bharat QR, and audio‑QR for seamless contactless checks.
- Usable by non‑ICICI customers too—wallet funded via any bank.
8. CRED UPI
Launched (UPI): August 2022
CRED’s premium UPI option rewards users based on creditworthiness and transaction behavior. Payments including P2P transfers and bill pay often earn CRED coins and occasional cashback, with exclusive rewards tied to UPI streaks and luxury-brand offers
Cashback & Rewards:
- Earn CRED coins and cashback on UPI payments and timely credit card bills.
- Higher-tier users unlock more exclusive rewards and offers.
Other Features:
- Elegant UI with credit card bill tracking and expense insights.
- Premium experience aimed at credit-savvy users who prioritize secure financial management.
9. Freo (formerly MoneyTap)
Launched: 2020
Freo is a fast-growing neo‑bank that integrates UPI payments with savings, credit, insurance, and investment features in one app. It also offers 1% unlimited cashback on UPI transactions, making it a rare app that combines financial management and rewards seamlessly
Cashback & Rewards:
- 1% unlimited cashback on UPI transactions—emphasized as Freo’s standout feature.
- New user promotions highlight ongoing cashback even when other apps drop offers .
Other Features:
- Incorporates digital savings accounts, loans, insurance, and investments .
- NPCI-approved neo-bank with a clean, finance-centric app.
10. MobiKwik
Launched: 2009
MobiKwik remains one of the most promotion-heavy UPI apps, offering flat cashback deals like ₹150 on your first UPI transaction, plus partner exclusives—₹200 on Myntra, ₹150 on Meesho, ₹75 on Blinkit—and more across over 50 merchants. New users also enjoy up to ₹1,500 cashback over their first 15 transfers, while Reddit users report reliable payout experiences despite occasional caps at ₹3
Cashback & Rewards:
- Upto 15% cashback on UPI payments via partner merchants like NetMeds, Blinkit, and Myntra.
- Flat ₹150 on the first UPI transaction and ongoing promos like ₹100 for new users.
- Specific offers per merchant (e.g., ₹75 on EatSure, ₹150 on Ixigo).
Other Features:
- Supports UPI, wallet reloads, and online ticketing.
- Frequently praised on Reddit for fast cashback processing
Tips for Maximum Cashback
Trying out different UPI cashback apps and staying informed about seasonal deals can help you decide which UPI app gives more cashback for your usage.
- Check the Offers/Rewards tab before every transaction: UPI apps regularly update cashback, scratch cards, and merchant-specific deals. Staying proactive helps you catch the best ones.
- Refer friends and family: Most apps give bonuses to both referrer and referee once the new user completes a transaction. This is one of the easiest ways to stack rewards.
- Time your payments around festivals: Offers often peak during Diwali, Holi, Republic Day, and New Year, making large bill payments more rewarding.
- Try niche or new UPI apps: They typically offer first-use cashback on payments like electricity or gas bills—handy for unlocking one-time rewards.
- Link multiple bank accounts: Different banks may offer higher cashback on specific categories like groceries or bills; switching accounts for each transaction maximizes benefits.
- Use UPI consistently for daily expenses: Regular small transactions across apps can accumulate significant rewards, especially when apps offer tiered incentives.
- Track and redeem rewards smartly: Compare cash-back vs. vouchers vs. points to ensure you’re getting the most value when redeeming.
- Set payment reminders for recurring bills: Ensures you don’t miss out on cashback by accidentally paying outside eligible offer windows.
The Rise of Gamification in UPI Rewards
One of the most exciting trends in 2025 is the gamification of cashback. UPI apps are increasingly using game-like features missions, achievements, and challenges—to keep users engaged and motivated.
For example, Google Pay introduces festive games where users can collect stamps or tokens by completing tasks like sending money, paying bills, or scanning QR codes. Once all the stamps are collected, users unlock bigger rewards.
Similarly, PhonePe and Paytm have added mini-games and interactive reward systems that make everyday transactions more engaging and enjoyable.
With these features, UPI transactions are no longer just fast and secure—they’re also fun and rewarding.
Which App Should You Choose?
Choosing the best UPI app for cashback depends on your habits. If you prefer a clean, straightforward interface and like getting surprise scratch-card rewards, Google Pay is a great choice its rewards are fun and easy, though not always high-value.
For regular bill payments and shopping, PhonePe and Paytm offer extensive merchant integration and structured reward systems, with PhonePe especially standing out due to its massive user base.
If safety and simplicity matter most, the government-backed BHIM app delivers secure, no-frills transactions ideal for basic payments.
For Amazon users, Amazon Pay offers targeted rewards like its Gold tier cashback—but you’ll need to complete a set number of transactions to qualify. It’s perfect if you shop frequently on Amazon.
To maximize savings, Savvy users who want to test which UPI app gives more cashback often experiment with multiple apps across different types of spending; one for daily bills and recharges, another for peer-to-peer transfers, and a third optimized for shopping rewards. This strategy ensures you always use the best UPI app for cashback based on the task at hand.
Conclusion
Earning rewards is as easy as sending money. Whether you’re recharging your phone, paying rent, or shopping online, you can earn money back using UPI apps.
The best UPI app for cashback depends on your daily routine. If you like scratch cards, Google Pay is for you. If shopping is your game, PhonePe and Paytm are more rewarding. Amazon lovers should use Amazon Pay. Students can benefit from easy cashback through regular activities. You don’t need to settle on one or combine two or more apps to take full advantage of all the offers and cashback deals available.
