12 Best UPI Cashback Apps | Transform Your Spending into Savings!
The rise of Unified Payments Interface (UPI) apps has transformed the way you handle transactions. Imagine being able to earn cashback with every payment you make, all while enjoying a seamless and secure experience. Sounds intriguing, right?
Unlike older methods that require cumbersome details like bank account numbers and IFSC codes, a UPI cashback app allows immediate transfers in just seconds. However, with numerous UPI apps vying for your attention, choosing the right one can feel overwhelming.
You might be asking yourself which app truly stands out in the crowd when it comes to maximising your cashback opportunities. This is where we come in!
We’ll explore the features, benefits, and unique offerings of various cashback UPI apps designed to help you get the most bang for your buck. So, let’s dive into the world of digital payments and uncover the best UPI apps for cashback that could be a game-changer for your spending habits!
12 Best UPI Cashback Apps | Transform Your Spending into Savings!
The rise of Unified Payments Interface (UPI) apps has transformed the way you handle transactions. Imagine being able to earn cashback with every payment you make, all while enjoying a seamless and secure experience. Sounds intriguing, right?
Unlike older methods that require cumbersome details like bank account numbers and IFSC codes, a UPI cashback app allows immediate transfers in just seconds. However, with numerous UPI apps vying for your attention, choosing the right one can feel overwhelming.
You might be asking yourself which app truly stands out in the crowd when it comes to maximising your cashback opportunities. This is where we come in!
We’ll explore the features, benefits, and unique offerings of various cashback UPI apps designed to help you get the most bang for your buck. So, let’s dive into the world of digital payments and uncover the best UPI apps for cashback that could be a game-changer for your spending habits!
What UPI Cashback Entails?
When you pay with UPI, you are typically rewarded with cashback offers that can help you save money on your transactions. Essentially, these programs reimburse you a tiny amount of money—usually between ₹5 and ₹10—for each eligible transaction, such as purchases or bill payments.
Depending on the promotion and the amount to be paid, this incentive can sometimes reach ₹200 or more. There are various sorts of UPI cashback apps accessible to you; some pay a fixed amount, while others may offer a percentage.
Each app has its own set of criteria for minimum payment thresholds and maximum cashback limits, so double-check those facts before getting started!
What UPI Cashback Entails?
When you pay with UPI, you are typically rewarded with cashback offers that can help you save money on your transactions. Essentially, these programs reimburse you a tiny amount of money—usually between ₹5 and ₹10—for each eligible transaction, such as purchases or bill payments.
Depending on the promotion and the amount to be paid, this incentive can sometimes reach ₹200 or more. There are various sorts of UPI cashback apps accessible to you; some pay a fixed amount, while others may offer a percentage.
Each app has its own set of criteria for minimum payment thresholds and maximum cashback limits, so double-check those facts before getting started!
What UPI Cashback Entails?
When you pay with UPI, you are typically rewarded with cashback offers that can help you save money on your transactions. Essentially, these programs reimburse you a tiny amount of money—usually between ₹5 and ₹10—for each eligible transaction, such as purchases or bill payments.
Depending on the promotion and the amount to be paid, this incentive can sometimes reach ₹200 or more. There are various sorts of UPI cashback apps accessible to you; some pay a fixed amount, while others may offer a percentage.
Each app has its own set of criteria for minimum payment thresholds and maximum cashback limits, so double-check those facts before getting started!
Advantages of UPI Cashback Offer
UPI cashback offers give numerous benefits, including:-
First, they allow you to save money on your transactions because the cashback is directly put back into your UPI-linked bank account, reducing the cost of your purchases. This is especially enticing if you are trying to stay on budget.
UPI enables more people like you to enjoy the convenience of online transactions and contribute to a cashless economy.
These deals allow you to make everyday purchases while still retaining some money in your pocket.
For people who may be hesitant to use digital payment methods, knowing that there are cashback incentives can motivate them to give UPI a try and discover its many benefits first-hand.
Advantages of UPI Cashback Offer
UPI cashback offers give numerous benefits, including:-
First, they allow you to save money on your transactions because the cashback is directly put back into your UPI-linked bank account, reducing the cost of your purchases. This is especially enticing if you are trying to stay on budget.
UPI enables more people like you to enjoy the convenience of online transactions and contribute to a cashless economy.
These deals allow you to make everyday purchases while still retaining some money in your pocket.
For people who may be hesitant to use digital payment methods, knowing that there are cashback incentives can motivate them to give UPI a try and discover its many benefits first-hand.
List of Best Cashback UPI Apps
UPI App
Launch Year
Download App
Freo
2015
Phonepe
2015
Google Pay
2017
Paytm
2010
Jupiter Money
2019
CRED
2018
BHIM UPI
2016
Amazon Pay
2007
Mobikwik
2009
FreeCharge
2010
Payzapp
2015
Jiopay
2016
List of Best Cashback UPI Apps
UPI App
Launch Year
Download App
Freo
2015
Phonepe
2015
Google Pay
2017
Jupiter Money
2019
Paytm
2010
CRED
2018
BHIM UPI
2016
Amazon Pay
2007
Mobikwik
2009
FreeCharge
2010
Payzapp
2015
Jiopay
2016
List of Best Cashback UPI Apps
UPI App
UPI App
Launch Year
Launch Year
Download App
Freo
2015
Phonepe
2015
Google Pay
2017
Paytm
2010
Jupiter Money
2019
CRED
2018
BHIM UPI
2016
Amazon Pay
2007
Mobikwik
2009
FreeCharge
2010
Payzapp
2015
Jiopay
2016
12 Best UPI Apps for Cashback
Here’s a curated list of the top 12 UPI apps that provide enticing cashback offers. By choosing one of these applications, you can enjoy seamless transactions and earn rewards along the way. So go ahead and explore these apps to find out which one suits your needs best!
1
Freo Money is a digital banking platform designed for you, especially if you are one of the millennials in India. Founded in 2015 by Bala Parthasarathy, Kunal Verma, and Anuj Kacker, it began its journey as an app-based credit line before expanding into what we now know as Freo Bank in 2016.
With over 2 million users spread across more than 1,200 cities already embracing this innovative service model, it's clear that many have chosen to go branchless with their banking experience through Freo Money. It offers a variety of financial services that cater to your needs, including:-
You get savings options, including fixed deposits and digital gold.
Need a loan? Freo has got you covered with personal loans and flexible EMIs that are available at your fingertips.
You can also enjoy credit cards tailored just for you.
Freo also offers tools like UPI transfers and bill payments—all without the hassle of needing physical branches.
Enjoy instant transfers and earn cashback rewards every time you make a payment! Switch to Freo UPI for smarter payments.
2
PhonePe is a market leader in UPI and is noted for its user-friendly interface and wide service offerings. PhonePe is your all-in-one financial helper, allowing you to pay for bank transfers, utility bills, recharges, and even insurance. It offers the following facilities:-
You can set up automatic payments with a single toggle, guaranteeing that no payments are missed.
You can receive cashback on promotional offers and scratch cards.
It offers easy management of many bank accounts.
Scratch cards are offered after each transaction.
The client service of PhonePe is largely available.
3
Google Pay (GPAY), developed by Google, combines security and ease, making it a popular choice among Indian users. It has the following features:-
Google Pay uses encryption and transaction verification to ensure secure transactions.
It is compatible with smartphones and smartwatches.
After making a payment, you receive digital scratch cards that unlock cashback and discounts.
It has a simple setup and user-friendly UI.
4
Paytm has become a household name in India's mobile payments market. It is undoubtedly considered one of the best cashback UPI apps because of the following reasons:-
You can easily pay your power, water, and gas bills.
There are frequent cashback opportunities.
5
Jupiter Money is a digital banking app that helps users manage their finances. Users can track expenses, pay bills, save for goals, and invest. Jupiter Money accepts UPI payments from numerous banks. You can easily add all of your bank accounts to check balances, send and receive money, scan and pay, and other features.
Offers a RuPay credit card that allows users to make UPI payments by scanning QR codes.
Card also offers cashback on UPI payments, with cashback on shopping, dining, and travel.
6
CRED is an innovative financial technology platform that pays you for paying your credit card payments on time. You can enjoy the following benefits while using CRED for your transactions:
You can easily link and track various credit cards.
Earn coins to make timely payments, which you may then redeem for a variety of benefits.
Flexible credit alternatives are available.
There is also a unique reward system.
7
The Indian government backs BHIM (Bharat Interface for Money) and provides secure and rapid UPI transactions. It has the following features:
Connect your Aadhaar number for convenient payments.
New users can receive cashback after completing ten unique purchases.
UPI PIN authentication ensures high security.
It is available in several languages.
8
Amazon Pay allows customers to make payments not only on Amazon but also on a variety of other merchant websites. Amazon Pay offers the following:-
Make quick payments without switching apps.
It provides you with the option to purchase now and pay later.
Payments are processed quickly and securely.
Transactions are easily managed.
9
MobiKwik has emerged as a prominent player in the Indian fintech market, with a concentration on Buy Now Pay Later (BNPL) transactions. The UPI features include:
You can do everything with MobiKwik, from recharge and bill payments to online shopping.
You can benefit from a variety of cashback deals and exclusive discounts.
It is widely acknowledged throughout the country.
10
FreeCharge is another one of the best UPI cashback apps, offering a streamlined approach to mobile payments. Here are some of the key benefits of FreeCharge:
It is a user-friendly platform for transactions.
It gives you bill reminders so that you can easily track due payments.
You can even set up automatic payments for recurring bills through its autopay feature.
The transactions are quick and secure through this app.
It provides a simplified user experience.
11
Payzapp, launched by HDFC Bank, is another strong choice that combines digital payments and banking services like the following:
You can refer and earn. It is a great way to receive incentives for referring friends.
Customers receive frequent cashback rewards for their purchases through autopay and cashback facilities.
This is a perfect app for travel and entertainment purchases.
There are many 5% cashback deals available.
12
JioPay Business
Finin works in the form of an app. It extensively uses AI technology for easy account opening and management of the account. It also offers insights to users to improve their finances. Open acquired it at the end of the year 2021.
It is expected that, apart from widening the reach of Open, Finin will also add value to Open’s band of SMEs.
12 Best UPI Apps for Cashback
Here’s a curated list of the top 12 UPI apps that provide enticing cashback offers. By choosing one of these applications, you can enjoy seamless transactions and earn rewards along the way. So go ahead and explore these apps to find out which one suits your needs best!
1
Freo Money is a digital banking platform designed for you, especially if you are one of the millennials in India. Founded in 2015 by Bala Parthasarathy, Kunal Verma, and Anuj Kacker, it began its journey as an app-based credit line before expanding into what we now know as Freo Bank in 2016.
With over 2 million users spread across more than 1,200 cities already embracing this innovative service model, it's clear that many have chosen to go branchless with their banking experience through Freo Money. It offers a variety of financial services that cater to your needs, including:-
You get savings options, including fixed deposits and digital gold.
Need a loan? Freo has got you covered with personal loans and flexible EMIs that are available at your fingertips.
You can also enjoy credit cards tailored just for you.
Freo also offers tools like UPI transfers and bill payments—all without the hassle of needing physical branches.
Enjoy instant transfers and earn cashback rewards every time you make a payment! Switch to Freo UPI for smarter payments.
2
PhonePe is a market leader in UPI and is noted for its user-friendly interface and wide service offerings. PhonePe is your all-in-one financial helper, allowing you to pay for bank transfers, utility bills, recharges, and even insurance. It offers the following facilities:-
You can set up automatic payments with a single toggle, guaranteeing that no payments are missed.
You can receive cashback on promotional offers and scratch cards.
It offers easy management of many bank accounts.
Scratch cards are offered after each transaction.
The client service of PhonePe is largely available.
3
Google Pay (GPAY), developed by Google, combines security and ease, making it a popular choice among Indian users. It has the following features:-
Google Pay uses encryption and transaction verification to ensure secure transactions.
It is compatible with smartphones and smartwatches.
After making a payment, you receive digital scratch cards that unlock cashback and discounts.
It has a simple setup and user-friendly UI.
4
Paytm has become a household name in India's mobile payments market. It is undoubtedly considered one of the best cashback UPI apps because of the following reasons:-
You can easily pay your power, water, and gas bills.
There are frequent cashback opportunities.
5
Jupiter Money is a digital banking app that helps users manage their finances. Users can track expenses, pay bills, save for goals, and invest. Jupiter Money accepts UPI payments from numerous banks. You can easily add all of your bank accounts to check balances, send and receive money, scan and pay, and other features.
Offers a RuPay credit card that allows users to make UPI payments by scanning QR codes.
Card also offers cashback on UPI payments, with cashback on shopping, dining, and travel.
6
CRED is an innovative financial technology platform that pays you for paying your credit card payments on time. You can enjoy the following benefits while using CRED for your transactions:
You can easily link and track various credit cards.
Earn coins to make timely payments, which you may then redeem for a variety of benefits.
Flexible credit alternatives are available.
There is also a unique reward system.
7
The Indian government backs BHIM (Bharat Interface for Money) and provides secure and rapid UPI transactions. It has the following features:
Connect your Aadhaar number for convenient payments.
New users can receive cashback after completing ten unique purchases.
UPI PIN authentication ensures high security.
It is available in several languages.
8
Amazon Pay allows customers to make payments not only on Amazon but also on a variety of other merchant websites. Amazon Pay offers the following:-
Make quick payments without switching apps.
It provides you with the option to purchase now and pay later.
Payments are processed quickly and securely.
Transactions are easily managed.
9
MobiKwik has emerged as a prominent player in the Indian fintech market, with a concentration on Buy Now Pay Later (BNPL) transactions. The UPI features include:
You can do everything with MobiKwik, from recharge and bill payments to online shopping.
You can benefit from a variety of cashback deals and exclusive discounts.
It is widely acknowledged throughout the country.
10
FreeCharge is another one of the best UPI cashback apps, offering a streamlined approach to mobile payments. Here are some of the key benefits of FreeCharge:
It is a user-friendly platform for transactions.
It gives you bill reminders so that you can easily track due payments.
You can even set up automatic payments for recurring bills through its autopay feature.
The transactions are quick and secure through this app.
It provides a simplified user experience.
11
Payzapp, launched by HDFC Bank, is another strong choice that combines digital payments and banking services like the following:
You can refer and earn. It is a great way to receive incentives for referring friends.
Customers receive frequent cashback rewards for their purchases through autopay and cashback facilities.
This is a perfect app for travel and entertainment purchases.
There are many 5% cashback deals available.
12
JioPay Business
JioPay, a service provided by Reliance Jio, addresses users' digital payment demands with tools such as:
It has a broad functionality. It accepts UPI, net banking, and card payments.
The cashback opportunities include a variety of perks and bonuses for users.
You get to pay a low transaction fee.
This app is user-friendly and convenient.
How Does Cashback Work in the UPI App?
Follow this process to take advantage of UPI cashback offers:-
First, choose apps that enable UPI transactions, such as Google Pay, PhonePe, Paytm, or Amazon Pay.
After you've chosen an app, keep an eye out for cashback deals, which are usually accessible on the home screen or in a special offers section.
Before diving into any deal, read the terms and conditions thoroughly—this helps you understand limitations such as minimum transaction amounts and eligibility criteria for specific merchants or time frames.
When you are ready to make a cashback-eligible purchase—as long as it matches all of the criteria—you may do so with confidence.
Once you've used an acceptable payment method at a participating retailer or online platform, cashback is given immediately to your connected bank account.
You can spend this cashback on future purchases or transfer it back into your primary account whenever it's convenient!
Enjoy The Benefits of Freo UPI:
UPI cashback offers give numerous benefits, including:-
Using Freo for UPI transactions provides access to ₹15,000 Pay Later and a credit limit of ₹5,00,000, in addition to making payments. RuPay gives you the advantage of using credit with UPI. This feature enables you to enjoy your purchases now and pay later.
Experience hassle-free and secure payments with Freo UPI. The more you use it, the more benefits you'll discover!
12 Best UPI Apps for Cashback
Here’s a curated list of the top 12 UPI apps that provide enticing cashback offers. By choosing one of these applications, you can enjoy seamless transactions and earn rewards along the way. So go ahead and explore these apps to find out which one suits your needs best!
1
Freo Money is a digital banking platform designed for you, especially if you are one of the millennials in India. Founded in 2015 by Bala Parthasarathy, Kunal Verma, and Anuj Kacker, it began its journey as an app-based credit line before expanding into what we now know as Freo Bank in 2016.
With over 2 million users spread across more than 1,200 cities already embracing this innovative service model, it's clear that many have chosen to go branchless with their banking experience through Freo Money. It offers a variety of financial services that cater to your needs, including:-
You get savings options, including fixed deposits and digital gold.
Need a loan? Freo has got you covered with personal loans and flexible EMIs that are available at your fingertips.
You can also enjoy credit cards tailored just for you.
Freo also offers tools like UPI transfers and bill payments—all without the hassle of needing physical branches.
Enjoy instant transfers and earn cashback rewards every time you make a payment! Switch to Freo UPI for smarter payments.
2
PhonePe is a market leader in UPI and is noted for its user-friendly interface and wide service offerings. PhonePe is your all-in-one financial helper, allowing you to pay for bank transfers, utility bills, recharges, and even insurance. It offers the following facilities:-
You can set up automatic payments with a single toggle, guaranteeing that no payments are missed.
You can receive cashback on promotional offers and scratch cards.
It offers easy management of many bank accounts.
Scratch cards are offered after each transaction.
The client service of PhonePe is largely available.
3
Google Pay (GPAY), developed by Google, combines security and ease, making it a popular choice among Indian users. It has the following features:-
Google Pay uses encryption and transaction verification to ensure secure transactions.
It is compatible with smartphones and smartwatches.
After making a payment, you receive digital scratch cards that unlock cashback and discounts.
It has a simple setup and user-friendly UI.
4
Paytm has become a household name in India's mobile payments market. It is undoubtedly considered one of the best cashback UPI apps because of the following reasons:-
You can easily pay your power, water, and gas bills.
There are frequent cashback opportunities.
5
Jupiter Money is a digital banking app that helps users manage their finances. Users can track expenses, pay bills, save for goals, and invest. Jupiter Money accepts UPI payments from numerous banks. You can easily add all of your bank accounts to check balances, send and receive money, scan and pay, and other features.
Offers a RuPay credit card that allows users to make UPI payments by scanning QR codes.
Card also offers cashback on UPI payments, with cashback on shopping, dining, and travel.
6
CRED is an innovative financial technology platform that pays you for paying your credit card payments on time. You can enjoy the following benefits while using CRED for your transactions:
You can easily link and track various credit cards.
Earn coins to make timely payments, which you may then redeem for a variety of benefits.
Flexible credit alternatives are available.
There is also a unique reward system.
7
The Indian government backs BHIM (Bharat Interface for Money) and provides secure and rapid UPI transactions. It has the following features:
Connect your Aadhaar number for convenient payments.
New users can receive cashback after completing ten unique purchases.
UPI PIN authentication ensures high security.
It is available in several languages.
8
Amazon Pay allows customers to make payments not only on Amazon but also on a variety of other merchant websites. Amazon Pay offers the following:-
Make quick payments without switching apps.
It provides you with the option to purchase now and pay later.
Payments are processed quickly and securely.
Transactions are easily managed.
9
MobiKwik has emerged as a prominent player in the Indian fintech market, with a concentration on Buy Now Pay Later (BNPL) transactions. The UPI features include:
You can do everything with MobiKwik, from recharge and bill payments to online shopping.
You can benefit from a variety of cashback deals and exclusive discounts.
It is widely acknowledged throughout the country.
10
FreeCharge is another one of the best UPI cashback apps, offering a streamlined approach to mobile payments. Here are some of the key benefits of FreeCharge:
It is a user-friendly platform for transactions.
It gives you bill reminders so that you can easily track due payments.
You can even set up automatic payments for recurring bills through its autopay feature.
The transactions are quick and secure through this app.
It provides a simplified user experience.
11
Payzapp, launched by HDFC Bank, is another strong choice that combines digital payments and banking services like the following:
You can refer and earn. It is a great way to receive incentives for referring friends.
Customers receive frequent cashback rewards for their purchases through autopay and cashback facilities.
This is a perfect app for travel and entertainment purchases.
There are many 5% cashback deals available.
12
JioPay Business
JioPay, a service provided by Reliance Jio, addresses users' digital payment demands with tools such as:
It has a broad functionality. It accepts UPI, net banking, and card payments.
The cashback opportunities include a variety of perks and bonuses for users.
You get to pay a low transaction fee.
This app is user-friendly and convenient.
How Does Cashback Work in the UPI App?
Follow this process to take advantage of UPI cashback offers:-
First, choose apps that enable UPI transactions, such as Google Pay, PhonePe, Paytm, or Amazon Pay.
After you've chosen an app, keep an eye out for cashback deals, which are usually accessible on the home screen or in a special offers section.
Before diving into any deal, read the terms and conditions thoroughly—this helps you understand limitations such as minimum transaction amounts and eligibility criteria for specific merchants or time frames.
When you are ready to make a cashback-eligible purchase—as long as it matches all of the criteria—you may do so with confidence.
Once you've used an acceptable payment method at a participating retailer or online platform, cashback is given immediately to your connected bank account.
You can spend this cashback on future purchases or transfer it back into your primary account whenever it's convenient!
Enjoy The Benefits of Freo UPI:
UPI cashback offers give numerous benefits, including:-
Using Freo for UPI transactions provides access to ₹15,000 Pay Later and a credit limit of ₹5,00,000, in addition to making payments. RuPay gives you the advantage of using credit with UPI. This feature enables you to enjoy your purchases now and pay later.
You can also appreciate the convenience and security of UPI payments, which are available whenever and wherever you need them. It's all about incorporating convenience into your everyday life!
Experience hassle-free and secure payments with Freo UPI. The more you use it, the more benefits you'll discover!
How Does Cashback Work in the UPI App?
Follow this process to take advantage of UPI cashback offers:-
First, choose apps that enable UPI transactions, such as Google Pay, PhonePe, Paytm, or Amazon Pay.
After you've chosen an app, keep an eye out for cashback deals, which are usually accessible on the home screen or in a special offers section.
Before diving into any deal, read the terms and conditions thoroughly—this helps you understand limitations such as minimum transaction amounts and eligibility criteria for specific merchants or time frames.
When you are ready to make a cashback-eligible purchase—as long as it matches all of the criteria—you may do so with confidence.
Once you've used an acceptable payment method at a participating retailer or online platform, cashback is given immediately to your connected bank account.
You can spend this cashback on future purchases or transfer it back into your primary account whenever it's convenient!
Enjoy The Benefits of Freo UPI:
Using Freo for UPI transactions provides access to ₹15,000 Pay Later and a credit limit of ₹5,00,000, in addition to making payments. RuPay gives you the advantage of using credit with UPI. This feature enables you to enjoy your purchases now and pay later.
You can also appreciate the convenience and security of UPI payments, which are available whenever and wherever you need them. It's all about incorporating convenience into your everyday life!
Experience hassle-free and secure payments with Freo UPI. The more you use it, the more benefits you'll discover!
FAQ
How many money transfers can you do each day using UPI?
Can numerous UPI accounts be linked to a single bank account?
What is the maximum number of transactions allowed with the UPI app?
Which app offers cashback on UPI transactions?
How many money transfers can you do each day using UPI?
Can numerous UPI accounts be linked to a single bank account?
What is the maximum number of transactions allowed with the UPI app?
Which app offers cashback on UPI transactions?
FAQ
How many money transfers can you do each day using UPI?
Can numerous UPI accounts be linked to a single bank account?
What is the maximum number of transactions allowed with the UPI app?
Which app offers cashback on UPI transactions?
Experience hassle-free and secure payments with Freo UPI. The more you use it, the more benefits you'll discover!
Experience hassle-free and secure payments with Freo UPI. The more you use it, the more benefits you'll discover!
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CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066
Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.
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What are you waiting for?
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MWYN Tech Private Limited
CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066
Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.
Make the Move
What are you waiting for?
MWYN Tech Private Limited
CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066
Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.