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.
| UPI App | Cashback / Reward Type | Remarks | Download |
|---|---|---|---|
| Slice | Gamified cashback | Cashback with Slice credit card | Download |
| BHIM | Cashback | Occasional ₹2–10 per transaction | Download |
| Super.money | Flat 1–5% cashback | Flat cashback with SuperCard(s) | Download |
| Jupiter | Jewels / flat cashback* | Flat cashback with Jupiter Edge+ credit card | Download |
| POP UPI | up to 5%, assured cashback on every transaction | Higher cashback than Kiwi, Super.money | Download |
| Cred | Flat 1% cashback or assured cashback (may be user specific) | Minimum ₹1 cashback | Download |
| Kiwi | Flat 1–5% cashback | Flat cashback with Yes Bank’s Click credit card | Download |
| PhonePe | PhonePe gift vouchers | up to ₹100 cashback | Download |
| Google Pay | Scratch cards/promotions | Real cashback (rare) | Download |
| Amazon Pay | Gift card credits | Coupons and Amazon Pay balance | Download |
App of the Month: Slice
Top UPI Cashback Apps in India (2025 Update)
1. Slice
USP: Gamified cashback on UPI via Slice credit card
Slice lets you earn real cashback on UPI payments through its credit card in a gamified way instead of simple scratch cards or points.
2. BHIM UPI
USP: Government-backed and reliable
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.
3. Super.money by Flipkart
Launched: 2024
USP: 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.
4. Jupiter
USP: Flat 2% on UPI over ₹100 with category bonuses
Jupiter is a UPI-first app with a lifetime free RuPay credit card in partnership with Federal Bank. It focuses on flat cashback and category-based rewards on UPI spends.
5. 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.
6. Cred
Cred is widely used for credit card payments but also runs selective UPI cashback campaigns and task-based rewards for active users.
7. Samsung Wallet
Samsung Wallet is exclusive to Samsung devices and occasionally offers UPI promotions and gift vouchers on eligible payments.
8. Mobikwik
Mobikwik combines UPI with wallet balance, recharge, and bill-pay services, with assured cashback and merchant offers on UPI transactions.
9. Paytm
Paytm provides user-specific UPI offers that often need manual activation in the offers section inside the app.
10. 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
- 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).
- Check app notifications weekly, as cashback campaigns and caps change frequently.
- Use co-branded RuPay credit cards like Kiwi, SuperCard Pro, and Jupiter Edge+ for higher UPI cashback.
- 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 2025. 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)
