Since last year, I’ve tried many UPI apps, but now almost all of them offer little to no cashback.
I used Cred, and compared to other UPI apps, Cred is the best, but I still need to understand their cashback policy.
Kiwi, on the other hand, is amazing. It gives a flat 2% cashback on payments over ₹50, but only for Kiwi Neon users.
So, I recently tried Navi, and I think this is an excellent UPI app that you should check. It offers assured cashback in the form of coins.
About Navi App
Navi is a fintech app that offers a range of services, including recharge, bill payments, loans, and more. It provides a comprehensive suite of financial products and services. With over 100 million downloads and more than 3.6 million active users, Navi has established itself as a popular choice in the market.
Navi UPI Cashback Review
To put it simply, this app always gives you some cashback. However, there is no fixed cashback. In case, you are looking for an app that offers fixed cashback then Kiwi is the best UPI cashback app as it offers assured 2% cashback.
Coming to Navi’s cashback scheme, it gives you coins up to 1000 on making UPI payments.
That means 10 Navi Coins = ₹1.
Basically, you can get cashback ranging from ₹1 to ₹100 on every payment, though getting ₹100 is quite rare. Still, it’s nice to receive a little something on each transaction, even if it’s just a small amount.
If an app allows you to make payments and rewards you for it, it’s definitely worth considering. I haven’t made it my primary UPI app just yet, but if it continues to offer cashback like this, it might soon become my go-to choice for UPI payments.
Navi Gives Assured Cashback on Every Payment
On every payment, you get Navi Coins, which you can easily convert to real cash.
The fact that you can earn some cashback on every transaction, even if it’s a small amount, makes it pretty appealing.
Unlike other apps where the cashback rewards are almost zero, Navi gives you some benefits. If an app is not only making payments easy but also rewarding you consistently, it’s definitely worth using. That’s why I think Navi is the best UPI app right now.
How does Navi give cashback?
It gives you coins, called Navi Coins.
In this, 10 coins are equal to ₹1. With every payment, you get a scratch card.
You’ll receive random coins or something like this in these cards.
Tips to Maximize Your Cashback
There’s a trick for this. Download three apps on your phone:
Navi gives you some cashback with every payment.
Kiwi gives you a flat 2% cashback on payments above ₹50, and the Kiwi Neon subscription is currently free.
Cred also offers some cashback, and by downloading Cred, you can get a bonus cashback of up to ₹250.
As of September 2024, I consider these three apps the best UPI apps.
Besides these, there are other apps you can use to get cashback. I’ve compiled all these apps in my article, ‘Best UPI Cashback Apps.’
If you think I missed something or know of any other app that offers even more cashback, feel free to comment below.