10 Best UPI Cashback Apps in 2025
UPI payment is growing at a record pace. In March 2025, UPI recorded over 19 billion transactions and is slowly taking over traditional debit cards and cash-based payment methods. Not only is it smooth, but it’s also rewarding.
Apps like Kiwi and Super.money offer flat 2-3% cashback on UPI transactions via Rupay credit cards. And now PhonePe, in association with HDFC Bank, has recently introduced co-branded credit cards, PhonePe Ultimo and Uno. This move cements PhonePe as one of the best UPI apps in 2025.
The Best UPI Apps in 2025
Here’s our curated list of what we believe are the best UPI apps you should be using right now.
1. Kiwi
Launched in 2023, Kiwi became the first app in India to allow UPI payments using RuPay credit cards. It comes up with a virtual, lifetime free credit card powered by Yes Bank (earlier it partnered with Axis Bank for the same). For Scan & Pay UPI payments via RuPay credit card, it provides a flat 1% cashback, which increases to 2% for Kiwi Neon users. The only condition to earn cashback is a minimum transaction of ₹100.
- If you have received your credit card via the Kiwi app before July 4, 2024, you’ll earn 1% on Scan & Pay.
- For newer users (after July 4, 2024), the Scan & Pay cashback is even higher at 1.5%.
- There’s a monthly cap, though, you can earn cashback up to 1% of your total credit limit.
- And, if you’re using any other RuPay credit card via the Kiwi app, you’ll get surprise rewards instead of fixed cashback, with a limit of 800 Kiwis per month.
Note: Axis Kwik and Yes Klick cards aren’t eligible for surprise cashback.
The best features of Kiwi:
- Flat 1-2% cashback on every UPI payment
- A lifetime free credit card
- Assured surprise cashback on every scan and pay transaction to users without credit cards
- Incremental cashback on reaching milestones
- Refer and earn
2. Super.money by Flipkart
Launched in 2024, it is currently the fifth-largest UPI payment app. For each payment you make through Super.money, you can earn up to 5% cashback. In addition, it offers co-branded
credit cards – SuperCard and SuperCard Pro. You can apply for the SuperCard and the SuperCard Pro through the App to maximise your cashback. The SuperCard is an FD-backed option, offered in partnership with Utkarsh Small Finance Bank. The SuperCard Pro is a premium, non-FD card, for which they’ve teamed up with Axis Bank.
It offers flat 1% cashback on scan and pay UPI payments for SuperCard users. The cashback increases to flat 3% if you have SuperCard Pro. In case you don’t have a credit card, you will still earn cashback up to 5% on every transaction.
The best features of Super.money:
- Up to 5% cashback for every payment (for all users)
- Flat 1% cashback on Scan and Pay for SuperCard users
- Flat 3% cashback on Scan and Pay for SuperCard Pro users
- Assured, real cashback on every UPI payment
- Cashback on both bank and credit card UPI payments
4. Navi
Navi is one of the UPI apps that offer assured cashback on UPI payments. It gives assured Navi coins for every payment. The coins can be redeemed to get real cashback into your bank account. In addition, you can make recharge, bill payments, apply for loan, and make investments. Started as a mere loan provider, it is now one of the most popular payment apps in India.
The best features of Navi:
- Assured cashback on UPI payments
- Exclusive offers
5. BHIM UPI
BHIM is the state-backed mobile payment app developed by the team behind UPI. The app offers existing cashback regularly on UPI payments, online and offline. Lately, BHIM has been quite generous with its offers. Now, when it comes to the cashback, many users find it one of the highest-rewarding UPI apps.
The best features of BHIM:
- Exciting cashback offers
- Cashback on most of the UPI payments
- Exclusive offers on UPI payments on popular merchants
4. Cred
Cred app is the most popular app for credit card payments, but it offers more than just credit card bill payments. Cred doesn’t offer assured cashback on every UPI payment. It offers cashback on UPI on select payments, limited to a few transactions every week.
The best features of Cred:
- Exclusive UPI and payment offers
- Earn coins on every UPI payment
5. Samsung Wallet
Samsung Wallet is exclusively available for Samsung smartphone users. It is not mainly a payment app; it gives the option to make UPI and card-based tap-and-pay transactions. From time to time, it also runs cashback campaigns on UPI payments, and some of them are quite rewarding. However, most of these offers are user-specific. In general, you’ll find deals where you get Amazon Pay vouchers on making UPI payments through the app.
The best features of Samsung Wallet:
- Free gift vouchers on UPI payments
7. Mobikwik
Mobikwik is one of the oldest payment apps. It provides recharge, bill payments, UPI payments and an in-app wallet facility. For each UPI payment, it offers up to 5% cashback. The app offers a wide range of services, beyond the UPI facility. The best part about Mobikwik is that it also lets you make UPI payments via wallet balance.
The best features of Mobikwik:
- Assured cashback on UPI payments
- In-app wallet
- Exclusive offers on popular merchants
8. Paytm
Paytm is India’s most popular payment platform that offers a wide range of services, including recharge, bill payment, and UPI payment. It offers user-specific cashback offers on UPI payments. Paytm provides a dedicated section for user-specific offers. Most of the time, you will need to activate these offers manually.
The best features of Paytm:
- User-specific offers
- Points on UPI payments
10. Google Pay
Google Pay is a very popular UPI payment app that allows you to transfer money and pay bills. It is ranked the third-best UPI payment app because other apps are currently offering less cashback compared to Google Pay.
It is one of the oldest UPI payment apps and continues to provide cashback through various campaigns even after many years. While it no longer offers cashback on regular UPI payments, you can still earn cashback during special campaigns where you complete tasks to unlock rewards.
Like all other apps, Google Pay also offers special cashback on the first payment for new users
The best features of Google Pay:
- Exclusive offers
- Cashback on UPI payments
Final Words
In this article, we have compiled the best UPI apps in 2025. Though there is no clear winner if you are looking for the best one. You can maximise rewards by downloading the top three apps. However, instead of sticking to one app, you can maximise your monthly cashback by using a combination of different apps. For example, if you have exhausted Cred offers, you can switch to Navi and Kiwi. If you don’t find good offers on Paytm, you can check the offers section of other apps like Google Pay and Payzapp.