Looking to save more with every digital transaction? Discover the top 7 UPI cashback apps in India for 2025 and start earning exciting rewards on your daily payments.
Unified Payments Interface (UPI) has completely changed how India transacts. But did you know that beyond convenience, some UPI apps actually pay you cashback or rewards for using them?
If you're not already using a UPI cashback app, you're leaving money on the table.
Here are the 7 best UPI cashback apps in India for 2025 that help you earn money while spending it.
1. PhonePe – The All-Rounder Cashback App
Why it’s great:
PhonePe continues to dominate the UPI space with its smooth UI and regular cashback offers on recharges, bill payments, and online shopping.
Features:
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Earn scratch cards and cashback on UPI payments.
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Regular offers on electricity bills, mobile recharge, DTH, etc.
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Integration with Swiggy, Flipkart, and Myntra for extra rewards.
2. Google Pay (GPay) – Scratch & Win Every Day
Why it’s great:
Google Pay is famous for its gamified scratch card system. It adds excitement and real cash rewards directly into your bank account.
Features:
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Scratch cards on most UPI payments.
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Weekly rewards challenges (Go India, Go India Champions, etc.).
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Direct cashback (not wallet money).
Best For: Everyday UPI users who love gamified experiences.
3. Paytm – Cashback + Loyalty Points = Double Benefits
Why it’s great:
Paytm blends UPI with wallet benefits and loyalty programs, making it a powerful all-in-one money app.
Features:
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Cashback on UPI transactions, movie tickets, shopping.
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"Paytm First Points" convert into Paytm Cash or vouchers.
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Cashback stacking with Paytm Wallet and Postpaid.
Pro Tip: Use Paytm UPI + Postpaid combo for maximum monthly cashback.
4. Amazon Pay (via Amazon App) – Best for Shoppers
Why it’s great:
If you're an Amazon user, Amazon Pay UPI offers cashback and exclusive deals on every purchase.
Features:
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Cashback on bill payments, recharges, and scan & pay.
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Integration with Amazon shopping = higher chances of cashback.
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Safe and user-friendly.
Bonus: Extra offers during Amazon Great Indian Festival & seasonal sales.
5. BHIM App – Government’s Official UPI with Loyalty Cashback
Why it’s great:
BHIM offers transparency and trust, backed by the National Payments Corporation of India (NPCI). It occasionally runs cashback campaigns for promoting digital adoption.
Features:
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Smooth UPI payments with minimal UI.
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Occasional cashback schemes for new users.
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Good for minimalists who prefer clean apps.
Downside: Fewer cashback campaigns compared to private players.
6. Mobikwik – SuperCash = Super Savings
Why it’s great:
Mobikwik doesn’t give instant cashback—but you earn SuperCash, which can be redeemed on future payments.
Features:
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Up to 5% SuperCash on every transaction.
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Special offers on bill payments, groceries, fuel.
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Wallet + UPI in one app.
Tip: Check your SuperCash expiry—use it before it vanishes!
7. Freecharge – Small But Smart Cashback Offers
Why it’s great:
Owned by Axis Bank, Freecharge offers small but frequent UPI cashback deals, especially on recharges and bill payments.
Features:
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Flat ₹10–₹30 cashback on specific payment types.
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Recharge offers almost every week.
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Axis Bank users get better offers with Freecharge UPI.
Audience Fit: Great for light users looking for easy savings.
🧾 Bonus Tips to Maximize UPI Cashback:
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Use multiple apps: Don’t rely on just one—spread your transactions across apps for more rewards.
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Watch for festive offers: Cashback deals multiply during Diwali, Republic Day, and IPL seasons.
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Refer & earn: Most UPI apps offer referral bonuses—share and earn.
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Use UPI for everything: Pay for groceries, food, electricity, mobile bills—it all adds up!
💸 Final Thoughts
The UPI ecosystem in India is more rewarding than ever. Whether you’re paying your bills, shopping online, or just transferring money, using one of these best UPI cashback apps in 2025 ensures that your money works a little harder for you.
💡 Ready to earn cashback on your daily expenses? Try one of these apps today and start saving instantly.
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