10 Best UPI Apps for Cashback

UPI is the easiest and most convenient payment method in today’s era, allowing you to make payments ranging from small to large both online and offline with ease. Its popularity is such that it might be considered the best payment system in the world.

In India, there are many applications that use this UPI system, and the biggest advantage of using these apps is that you often receive cashback when making payments. What could be better than this—making payments easily anywhere and receiving cashback in return?

In this article, we will discuss the best UPI apps in India, evaluating and comparing various applications to determine which app provides the best cashback when making UPI payments.

Best UPI Apps for Cashback

I’ve made this list based purely on the cashback feature after using different apps. This is just my personal opinion. If we talk about the smoothest and fastest apps, then Cred and Super.money are the best. But if we compare only based on cashback, then Kiwi and Super.money are the best apps right now.

1. Super.money by Flipkart

So, Flipkart has launched this amazing new app that gives you assured cashback on every single UPI transaction! And guess what? You can get up to 5% real cashback on each one. I’ve tried a bunch of other UPI apps, like Kiwi, which is pretty popular, but Super.money is even better because it gives you cashback no matter how much you pay.

After checking out all the other apps out there, I will say, this one is the absolute best for UPI cashback. If you don’t have a RuPay credit card or if you’re tired of getting useless vouchers from other apps, you should definitely give this a try. Right now, based on its speed and cashback offers, I’d put this app at the top of my list of the best UPI apps. It’s got the best of both worlds.

Apart from this, it offers a lifetime free RuPay credit, which you can use to maximize cashback on UPI payments even more.

2. Kiwi

Kiwi is a new payment application designed specifically for UPI payments. This app does not offer other options like bill payments or other payment features. With Kiwi, you can earn flat 5% cashback on making UPI payments. You can learn more about Kiwi Neon program here. 

It is a straightforward app that you can use exclusively for UPI transactions. One of the major features of this app is it gives a free lifetime Rupay credit card, which you can use to earn flat 5% cashback on UPI payments. You can also make payments directly with your bank account.

The primary reason for recommending this app is that it offers a flat 2% cashback on UPI transactions. Cashback is given in the form of “Kiwis” (in-app currencies). For example, if you use the Rupay credit card to make a ₹100 payment at an offline or online store, you will receive cashback equivalent to 2% of the transaction.

3. BHIM 

BHIM is an Indian state-owned UPI payment app that offers both UPI and UPI Lite features, along with payment facilities. With this app, you can send money, make payments to online and offline merchants, and also enjoy attractive cashback offers from time to time. It has a dedicated offer page where you can check the ongoing offers on UPI, bill payment and credit card bill payment. Plus, it also sends user-specific offers via notifications, especially for UPI payments.

I would rank this app after Kiwi, Super.money, and Cred because it offers better cashback compared to the other apps on the list. However, its offers are usually for a short period, like payments on a specific day or within a particular time frame. Generally, it sends user-specific offers, which you can take advantage of.

4. Cred

Cred app is the most popular app for credit card payments, but it offers more than just credit card bill payments; it also includes UPI payments. By making UPI payments through Cred, you can save approximately ₹50 to ₹100 per month because it provides cashback of ₹2 to ₹20 on the first two daily transactions, although the transaction amount must be a minimum of ₹20. 

Additionally, if you are paying a merchant through the app, you may not receive cashback, but compared to other apps, it offers the best cashback. The minimum cashback is ₹1, but you can earn between ₹1 to ₹20. So, if you make 8 to 10 payments per week using Cred, you can get cashback between ₹30 to ₹100. 

Use Cred referral link to download the app and get up to ₹250 cashback on your first-ever payment on Cred.

5. Samsung Wallet

Samsung Wallet is available for Samsung smartphones. This application supports UPI payments and tap-to-pay transactions.

It also often runs special offers.

For example, it might offer an Amazon gift card for completing a single transaction, or it could provide Amazon gift cards for making three UPI payments. A recent tap-to-pay offer provided a BookMyShow gift voucher worth ₹500 for just one tap-to-pay transaction. You could earn between ₹100 and ₹500 when participating in promotions.

6. Jupiter

Backed by Federal Bank, Jupiter is a money management and UPI app that allows you to track your spending and balance. In addition, it provides you with a free lifetime Rupay credit card, which offers a 2% flat cashback on purchases.

However, this cashback is only available when you make a minimum payment of ₹100 through UPI payments using the Rupay card. It offers ₹250 joining bonus when you download it using a referral link. Click here to find our Jupiter referral code or link.

The cashback is given in the form of jewels, which you can either convert into real cash or use to purchase vouchers. Additionally, you receive a ₹500 joining bonus when you join the platform. If you want to know more about this offer, you can refer to this article. I would categorize this app among the best UPI apps because it provides a flat 2% cashback on payments over ₹100 made through UPI

7. Mobikwik

Mobikwik periodically runs cashback offers on UPI payments, which you can check on its app or website.

This app operates smoothly and efficiently, offering a range of features, from bill payments to money transfers, including sending money to banks and much more. Explore the UPI offers on its dedicated page to start earning cashback. It also offers ₹20 cashback to new users on making their first-ever UPI transaction.

8. Paytm

If we talk about India’s most reputed and popular payment app, Paytm is the first that comes to mind. For years, no other app could match Paytm when it came to cashback. Even today, this app offers cashback on various payments, although the cashback amount has been reduced.

Now, Paytm offers user-specific deals. Different users are being offered specific cashback deals. You can check this by going to the “offers for you” section, where you will also find specific UPI offers.

For example, Paytm has curated these offers for me. However, there’s a catch with Paytm’s specific offers; if you don’t manually activate these offers, you won’t get the benefits. So, you can check your exclusive offers from time to time and make UPI payments accordingly. Paytm is still one of the best UPI apps, especially in terms of cashback.

9. Navi

Navi is a fintech platform that offers you loans, insurance, investments, and UPI payment facilities all in one place. Although it started as a mere loan provider, it has gradually added other payment categories. Upon downloading Navi, you can get a cashback of ₹10-100 on your first UPI transaction.

Additionally, you can earn coins on every payment, which can then be converted into real cash and instantly transferred to your bank account.

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. If you download the app using the referral code Bq8yi, you will receive a flat ₹21 cashback on your first UPI payment. You can claim this cashback by sending just ₹1.

Best UPI Apps in 2025

If you are looking for a UPI app solely for cashback purposes, we will not consider factors like UI, payment smoothness, or ease of use. In 2025, I would rank Cred as the top choice because it offers the highest and smoothest cashback available today.

However, instead of sticking to one app, you can maximize your monthly cashback by using a combination of different apps. For example, if you have exhausted Cred offers, you can switch to Paytm. If you don’t find good offers on Paytm, you can check the offers section of other apps like Google Pay and Payzapp.