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, fast, and one-tap, but it’s also rewarding.
Today, there are hundreds of UPI payment apps in the market. The rising popularity of UPI isn’t just because of its speed and ease, but also because of the rewards system. By using these apps, users can actually save up to 5% every month on their payments.
By using these UPI-based apps for payments, you can enjoy benefits like vouchers, real cashback, reward points, and more. In this article, we’ll look at some of the best UPI cashback apps in 2025 that can make your spending more rewarding.
What does UPI cashback mean?
Apps like Paytm and Mobikwik offer different forms of rewards like coupons, gift vouchers, and cashback in bank accounts. In addition, popular apps like Paytm and Amazon Pay run user-specific offers that are customised based on your payment history.
Meanwhile, newer UPI apps that support RuPay credit cards are giving out higher cashback and better rewards for both online and offline payments.
List of Best Cashback UPI Apps
These apps are listed based on personal opinion, and the listing is purely based on their cashback/reward features.
1. Super.money by Flipkart
Super.money is Walmart-owned Flipkart’s fintech app. It comes with UPI and a co-branded credit card, in partnership with multiple banks, to maximise rewards. It offers assured cashback, up to 5% on every UPI payment, whether made directly from a bank account or through a credit card.
With its co-branded credit card, it promises flat 3% cashback. The credit card it offers is FD-backed card that you can apply for from within the app. It is currently the fifth-largest UPI payment app, launched just in 2024.
Why it’s the best:
- No minimum payment required to earn cashback.
- Assured cashback on every payment
- Cashback on both bank and credit card UPI payments.
2. 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). Users earn a minimum flat 1% cashback on UPI payments made via its RuPay-based credit card. The only condition to earn cashback is a minimum transaction of ₹100.
Cashback on Kiwi comes in the form of Kiwis.
- If you got 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 rewards.
Top features:
- Flat 1% cashback
- Surprise rewards
- Incremental cashback on reaching milestones
3. BHIM UPI
BHIM is an Indian state-backed mobile payment app. It is regarded by some users as a highly rewarding UPI payment app, particularly when used with a RuPay credit card. It is noted for providing random cashback that can be up to Rs. 100, while some users have reported receiving these rewards consistently over a long period. However, not all users have experienced cashback from BHIM UPI app.
Features:
- Higher cashback up to ₹50–₹100
- Dedicated reward page
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 a pretty useful app made exclusively for Samsung smartphone users. Even though it’s not mainly a payment app, it gives Indian users the option to make UPI and card-based tap-and-pay transactions and earn exciting rewards. It comes pre-installed on Samsung phones, so you don’t need to download any third-party apps to make UPI payments.
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.
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.
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.
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
Paytm offers user-specific cashback offers on UPI payments to online and offline merchants.
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.
Final Words
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.
