11 Best UPI Apps for Cashback[Flat 5% Rewards]

Along with convenience, UPI payments are more rewarding than other digital payment methods for daily spending. Apps like Super.money, Kiwi, and Jupiter offer flat cashback on UPI payments via RuPay cards. Popular apps like PhonePe and Amazon Pay focus more on user-specific offers. That’s why UPI-based apps have become huge in India.

Now, users are on the lookout for which UPI app gives more cashback so that they can maximise their rewards. And there’s no shortage of options. So, if you’re wondering “which UPI app gives more cashback in India,” this list of best UPI cashback apps will help you decide.

App of the Month: Slice

Top UPI Cashback Apps in India (2026 Update)

1. Slice

USP: Flat 1-3% cashback on UPI via Slice credit card, no minimum payment required.

This is my primary fintech application for making transactions, and one of the best things about it is that it gives me 1% cashback. There are no complicated terms and conditions, no minimum transaction requirement. You simply make a payment and earn cashback.

For example, if you make a payment of ₹200, you will get 200 monies which is equivalents to ₹2 as cashback. So, effectively, you get 1% cashback on every payment you make by scanning and paying using its credit card.

Apart from this, you also get some decent offers every Friday. Overall, the application has a lot of exciting features that are worth checking out.

 2. Amazon Scan & Pay

The reason: Flat 1% back on every scan & pay using credit card and bank UPI payments.

Amazon is in the second position in the best UPI apps ranking. Currently, it is offering a flat 1% cashback on every payment made through Scan & Pay. This offer could be user-specific.

Amazon’s UPI offer is more attractive than Slice in one important aspect: users can use any of their credit cards and still earn 1% cashback on the payment.

This offer appears to be available to a large number of users. You can simply check the offer banner in the Amazon app to see whether the offer is available on your account.

If the offer is not live for you, you can move on to the next application on the list.

3. Kiwi

The reason: Flat 1.5% cashback on scan & pay over ₹100, incremental up to flat 5% cashback.

This is one of the must-have cashback applications if you regularly make UPI payments. If you own a Kiwi RuPay credit card, you can earn 1.5% cashback on every eligible UPI transaction of ₹100 or more.

For Neon users, there is also an additional offer that can provide up to flat 5% cashback on scan and pay payments.

Overall, if you are a frequent UPI spender and regularly make payments, this application is definitely worth considering. A flat 5% cashback offer can make it particularly attractive, and there may not be many applications in the market offering a similar reward rate.

4. Pop UPI

The reason:  Higher cashback through Pop coins, 2-5% cashback, on payment above ₹25.

POP UPI is a little different from the other applications on this list. Its cashback may look attractive at first, but you need to understand how the POP cashback works.

If you have an Rupay credit card, you will get 2% cashback as Pop coins. If you have Pop Club Rupay credit card, you will get 7% cashback as POP coins, on eligible UPI payments. On a ₹100 eligible transaction, you can earn ₹5 cashback on burning 50 PopCoins, and 7 Pop coins.

5. Jupiter

The reason: Flat 1% cashback on UPI scan-and-pay through CSB Edge+ card.

Jupiter is known for its UPI credit card and UPI cashback rewards program. It gives 5 Jewels on a UPI scan-and-pay payment above ₹100, which translates to roughly a 0.7% to 1% effective cashback return after the Jewel value converted for cash/statement credit.

You need to make a minimum payment of ₹100 to earn cashback, UPI payments below ₹100 are not eligible for cashback.

6. BHIM UPI

The reason: Random cashback, sometime up to ₹50 cashback on single UPI transaction.

BHIM is the state-backed mobile payment app developed by the team behind UPI. The app offers cashback regularly on UPI payments, both online and offline, and is considered one of the more rewarding government-backed options.

7. Super.money by Flipkart

The reason: Up to 5% cashback with FD-backed and non-FD RuPay credit cards

Launched in 2024, Super.money has quickly grown as a UPI app that offers up to 5% cashback on payments. It also provides co-branded credit cards – SuperCard and SuperCard Pro.

8. PhonePe

PhonePe is India’s most popular payment application. If you haven’t used it for a while, you can download and activate your account to check for personalised offers and RuPay-based UPI promotions.

9. Cred

Cred is widely used for credit card payments but also runs selective UPI cashback campaigns and task-based rewards for active users.

10. Samsung Wallet

Samsung Wallet is exclusive to Samsung devices and occasionally offers UPI promotions and gift vouchers on eligible payments.

11. Mobikwik

Mobikwik combines UPI with wallet balance, recharge, and bill-pay services, with assured cashback and merchant offers on UPI transactions.

12. Paytm

Paytm provides user-specific UPI offers that often need manual activation in the offers section inside the app.

13. Google Pay

Google Pay is one of the oldest UPI apps and now focuses more on campaign-based rewards and tasks instead of regular per-transaction cashback.

Pro Tips to Maximise Cashback

1. Mix and match apps: When offers are exhausted on one app, switch to another (for example, from Cred to Slice, BHIM, Super.money, or POP).
2. Check app notifications weekly, as cashback campaigns and caps change frequently.
3. Use co-branded RuPay credit cards like Kiwi, SuperCard Pro, and Jupiter Edge+ for higher UPI cashback.
4. Always check expiry dates and terms because many offers are limited-time and user-specific.

Final Words

In this article, we’ve covered the best UPI cashback apps in 2026. There is no single winner for everyone, but you can maximise your rewards by using a combination of Slice, BHIM, Super.money, Jupiter, and POP UPI based on your spending pattern.

Instead of sticking to one app, rotate between two or three depending on which one currently has the strongest campaigns for your typical spends.

See Also: Best UPI Credit Card in 2025 (Top 5)