12 Best UPI Cashback Apps [Flat 5% Rewards]
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. Increasingly, people are switching from debit cards and cash to UPI.
The big reason? Cashback.
So, apps like Super.money, Kiwi, and Jupiter are offering flat cashback, while established apps like PhonePe and Amazon Pay are focusing more on user-specific offers. UPI-based apps have become huge in India.
Now, users are on the lookout for which UPI app gives the most cashback so that they can maximise their rewards. There’s no shortage of options. So, if you’re wondering “Which UPI app gives the most cashback in India right now?” — this list will help you decide. In this article, we’ll look at the best UPI cashback apps in 2025 that offer the highest cashback on UPI payments.
| UPI App | Cashback / Reward Type | Remarks | Download |
|---|---|---|---|
| POP UPI | up to 5%, assured cashback on every transaction | Higher cashback than Kiwi, Super.money | Download |
| Kiwi | Flat 1–5% cashback | Flat cashback with Yes Bank’s Click credit card | Download |
| Super.money | Flat 1–5% cashback | Flat cashback with SuperCard(s) | Download |
| PhonePe | Phonepe gift vouchers | up to ₹100 cashback | Download |
| Jupiter | Jewels / flat cashback* | Flat cashback with Jupiter Edge+ credit card | Download |
| BHIM | Cashback | Occasional ₹2–10 per transaction | Download |
| Google Pay | Scratch cards/promotions | Real cashback (rare) | Download |
| Amazon Pay | Gift card credits | Coupons and Amazon Pay balance | Download |
| Slice | Gamified cashback | Cashback with Slice credit card | Download |
The Best UPI Apps in 2025
1. Pop UPI [Highest Rewarding in October 2025]
POP UPI gives you up to 5% assured cashback on merchant payments of ₹19 or more. You also earn POP coins that can be used for UPI payments. The value is simple — 10 POP coins equal ₹1, so if you have 100 coins, you get ₹10 off. Check the screenshot below for a clear idea.
POP coins aren’t very useful, but the real cashback is what makes this app stand out. It usually offers better rewards than Super.money, PhonePe, BHIM, and similar apps.
If you use a POP Club Yes Bank credit card, you can earn a flat 5% cashback with no limit. The detailed breakdown of POP cashback and features is already covered in the POP UPI article — you can check it there.
Tip: Use the referral/invite code SH7ALSYSKS during registration to get assured ₹5 cashback on your first ever UPI transaction on POP app.
2. Kiwi
Launched: 2023
USP: First app in India to allow UPI payments via RuPay credit cards
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 Yes Bank’s Click 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 received your credit card via the Kiwi app before July 4, 2024, you’ll earn 1% cashback on Scan & Pay transactions.
- New users (after July 4, 2024) earn 1.5% cashback on Scan & Pay.
- There’s a monthly cap — you can earn cashback up to 1% of your total credit limit.
- If you use any other RuPay credit card via the Kiwi app, you’ll receive surprise rewards instead of fixed cashback, capped at 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
- Lifetime free credit card
- Guaranteed surprise cashback on every Scan & Pay transaction for users without credit cards
- Incremental cashback on reaching spending milestones
- Refer and earn rewards
Recent Offers on Kiwi (October 2025):
3. Super.money by Flipkart
Launched: 2024
USP: Exclusive, FD-bakded/ Non-FD, lifetime free Rupay credit card
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 powered by Axis Bank. 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 on every payment (available to all users)
- Flat 1% cashback on Scan & Pay for SuperCard users
- Flat 3% cashback on Scan & Pay for SuperCard Pro users
- Assured, real cashback on every UPI transaction
- Cashback available on both bank and credit card UPI payments
4. Navi
USP: Assured cashback and multi-services
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 a 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 in Navi Coins (worth ₹0.10 per coin) on UPI payments
- Access to exclusive offers
5. BHIM UPI
USP: Government-backed and reliable
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 UPI payments
- Exclusive offers on UPI payments at popular merchants
6. Jupiter
USP: Flat 2% on UPI payments over ₹100, 10% on top brands, 5% on travel, and 1% everywhere else
Jupiter is the first UPI-first app offering both UPI payment facility and a lifetime free credit card, for which it has partnered with Federal Bank. If you use its card for UPI payments, you earn a flat 1% cashback on UPI payments, offline and online. Recently, Jupiter introduced the Edge+ program, a premium annual card that increases cashback rates and adds more rewards for top merchants (which we will cover in detail in another article).
If you’re on the lookout for a UPI app with straightforward, flat cashback, Jupiter is definitely worth trying.
Key Features:
- Exclusive credit card
- 10% cashback on top brands such as Amazon, Flipkart, Myntra, Ajio, Croma, Nykaa, Tata CliQ, and Westside
- 5% cashback on travel
- 1% cashback on UPI payments everywhere else
7. Cred
USP: Popular for credit card payments and exclusive UPI offers
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
8. Samsung Wallet
USP: Exclusive to Samsung devices
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
- Exclusive for Samsung users
9. Mobikwik
USP: Oldest UPI app with wallet integration
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
Recent Offers (October 2025):
- Assured up to 5% cashback on every UPI payment this month.
10. Paytm
USP: India’s most popular payment platform
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
See Also:Paytm Referral Code for Inactive Users: Get up to ₹100
11. Google Pay
USP: Oldest UPI app with special campaign rewards
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
Pro Tips to Maximise Cashback
- Mix and match apps: If Cred offers are exhausted, switch to Kiwi or Navi.
- Check app notifications weekly, as offers change frequently.
- Use co-branded cards like SuperCard Pro and Kiwi Neon for higher cashback.
- Stay updated on expiry dates since many cashback offers are limited-time.
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.
