Digital payments in India have skyrocketed, thanks to UPI (Unified Payments Interface). But did you know that you can earn cashback and rewards every time you send money, scan a QR code, or pay your bills?
Whether you’re a regular shopper or just love saving a few bucks, here are the best UPI apps in 2025 that not only simplify payments but also give maximum cashback, coupons, and reward points.
1. PhonePe – Cashback & Scratch Cards
PhonePe is one of India’s most popular UPI apps and a consistent performer when it comes to cashback.
Why Choose PhonePe:
- Get scratch cards on every eligible UPI transaction
- Frequent cashback on recharges, bill payments, and merchant QR codes
- Offers from brands like Swiggy, Zomato, Flipkart, and more
Pro Tip: Use PhonePe for bill payments and merchant QR scanning to unlock the highest cashback.
2. Paytm – UPI + Cashback Points System
Paytm combines UPI payments with a rewards system through Paytm Points and scratch cards.
Highlights:
- Daily UPI transfers can unlock cashback coupons
- Paytm Points can be redeemed for deals, vouchers, and even goldback offers
- Consistent offers on bill payments, recharges, movie tickets, and travel bookings
Best For: Users who regularly recharge, pay bills, or shop on Paytm Mall.
3. Google Pay – Scratch Cards with Bank Rewards
Google Pay offers one of the cleanest user experiences and gives scratch cards on almost all UPI payments.
Features:
- Scratch cards with rewards up to ₹1,000
- Special campaigns like “Go India” and “FanWall” for extra bonuses
- Cashback directly credited to your bank account
Best Use Case: Money transfers, group payments, and one-time merchant transactions.
4. Amazon Pay – Reward Coins + Cashback
Amazon Pay integrates UPI with your Amazon account and offers Amazon Pay Balance and cashback on shopping and payments.
Perks:
- Cashback in the form of Amazon Pay balance
- Exclusive rewards on UPI payments, bill payments, and wallet top-ups
- Reward coins for additional savings on your next Amazon order
Great For: Amazon shoppers and Prime members looking for seamless rewards.
5. BHIM App – Reliable But Limited Rewards
BHIM is the official UPI app by NPCI. While it’s highly secure and reliable, it offers limited cashback campaigns.
Features:
- Clean interface, no ads or third-party promotions
- Rewards only during specific NPCI-led campaigns like UPI Fest
Use If: You prefer a simple, government-backed UPI app with occasional rewards.
6. CRED UPI – Pay Bills & Earn Coins
CRED has evolved from just credit card bill payments to a full UPI-enabled app.
Why Try CRED UPI:
- Earn CRED Coins on every transaction
- Redeem coins for cashback, vouchers, or exclusive products
- Extra cashback on bill payments, rent, and shopping
Perfect For: High-value transactions and premium users who want lifestyle rewards.
7. Mobikwik – SuperCash Rewards
Mobikwik offers SuperCash on UPI and wallet payments, which can be used for discounts on future payments.
Benefits:
- Regular cashback offers on fuel, groceries, and utility payments
- Loyalty SuperCash to reduce your final payable amount
- Good for small, frequent UPI payments
Quick Comparison Table
| App | Cashback Type | UPI Feature | Best For |
|---|---|---|---|
| PhonePe | Scratch Cards | Yes | Daily use, bill payments |
| Paytm | Cashback + Points | Yes | Shopping, rewards redemption |
| Google Pay | Direct Bank Cashback | Yes | Seamless transfers, campaigns |
| Amazon Pay | Amazon Balance | Yes | Amazon shoppers, recharges |
| BHIM | Occasional Rewards | Yes | Secure, no-frills payments |
| CRED | Coins + Cashback | Yes | Credit users, premium rewards |
| Mobikwik | SuperCash | Yes | Frequent users, discounts on services |
Tips to Maximize Cashback with UPI Apps
- Stick to One or Two Apps: Use apps with active offers and loyalty systems to build up rewards faster.
- Check Offers Tab: All major UPI apps have an offers or rewards section—check it before every transaction.
- Participate in Campaigns: Google Pay and Paytm often run limited-time offers; participate to earn more.
- Pay Bills Through UPI: Bill payments like electricity, water, and DTH often come with special cashback offers.
Final Verdict: Which UPI App is Best for Cashback?
If you’re looking purely for cashback and rewards:
✅ PhonePe is great for regular users.
✅ Google Pay is best for bank-linked cashback.
✅ Paytm offers flexibility with rewards + shopping.
✅ CRED is the premium choice for higher spends.
✅ Amazon Pay is a must if you shop frequently on Amazon.
Ultimately, the best UPI app for you depends on your spending pattern and lifestyle. Try a few, see which offers the best returns, and stick to the one that adds the most value to your daily transactions.
