Navi App Cashback Offers in 2025 | Navi UPI Benefits

In this article, we will talk about Navi app cashback offers as it rewards users for making bill payments and UPI transactions. Navi is a fintech app that lets you recharge, pay bills, settle credit card payments, and make online and offline transactions via UPI. One of its main features is that you can also apply for loans through the app. But that’s not all. 

You can earn cashback on recharges and bill payments too. Navi gives cashback in the form of Navi Coins, which you can convert into real cash and transfer to your bank account. So, let’s explore Navi’s cashback and Navi UPI cashback offers.

Navi App Cashback Offers

Navi gives you Navi Coins when you do recharges, bill payments, or make UPI Scan & Pay transactions. If you convert Navi Coins into real cash, 1 Navi Coin is worth ₹0.10. So, if you earn 10 Navi Coins from a transaction, that’s equal to ₹1.

However, Navi’s cashback terms aren’t very clear. Sometimes, it might give you up to 1000 coins for a small transaction, but that’s pretty rare. In the beginning, you might get good cashback on your first few transactions, but if you keep using it regularly, the rewards drop to almost nothing. So, to maximize cashback on UPI payments, you can combine it with other apps like Kiwi or Jupiter.

Simply put, if you’re relying on just one UPI app for payments, chances are you’re earning very little cash back. But if you have multiple apps like Cred, Kiwi, or Jupiter and keep switching between them for payments, you can maximize your UPI cashback.

Now, coming back to the Navi UPI app. When you sign up, you get a ₹100 joining bonus (or 1000 Navi Coins). Apart from that, Navi also runs UPI and bill payment offers from time to time, which you can check directly in the app.

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What are Navi UPI Benefits?

If you use Navi once in a while, you might get better cashback. But if you’re using it regularly, its UPI benefits aren’t that great.

If you’re looking for the best UPI apps, we’ve put together a separate article where we’ve compiled some of the top UPI apps, or you could say, my personal favorites. You can check out best UPI apps 2025.

For me, Navi UPI doesn’t offer any major benefits except for the assured Navi Coins it gives on every transaction. That said, some users have managed to get really good cashback through the Navi app, so you can try your luck too.

Features of Navi App

1. Instant Transfer

Using UPI, you can make instant transactions with ease. Navi rewards you with something on every transaction.

2. UPI Lite

If you like the UPI Lite feature, Navi offers it too. With this, you can make small transactions without needing a PIN.

3. UPI via RuPay Credit Card

You can also make UPI payments using a RuPay credit card through the Navi app.

4. Recharge & Bill Payments

Enjoy recharges and bill payments with no processing fees, along with fast and successful transactions.

5. Navi Trezo – Buy Now, Pay Later

If you don’t have a credit card, Navi Trezo allows you to use the Buy Now, Pay Later (BNPL) option.

6. Investments

You can invest in mutual funds, SIPs, and stocks. Navi lets you invest in both domestic and international company stocks.

7. Health Insurance

Navi also offers health insurance plans for users.

8. Loans – Primary Feature

Since loans are Navi’s main service, you can apply for a loan directly through the app.

Want to earn assured cashback on every UPI payment? Check out Super.money, launched by Flipkart, which offers up to 5% cashback on every UPI transaction. Plus, get a free credit card against FD and much more. Check out Super.money cashback and benefits now.