12 Best UPI Apps for Cashback Offers in 2025

UPI apps make sending and receiving money easy. With the addition of Rupay credit cards, UPI transactions have become very rewarding. Many UPI apps also offer cashback, which gives you rewards for payments.

But with so many apps, it can be confusing to choose one that gives you maximum cashback. To help make your every transaction rewarding, we have compiled the list of UPI apps that give maximum cashback.

Below is a list of best UPI apps for cashback offers in 2025. Let us dive deep to learn more about these UPI apps in India.

Top UPI Apps for Cashback in India

1. Shriram One

Shriram One is one of of the best UPI apps for cashback. You get reward points on every UPI transaction, which can be redeemed for recharges and bill payments. You can redeem a maximum of 100 coins on every transaction.

Shriram One app comes with a lot of features and you can use it for all your transactions.

Shriram One App UPI Cashback Offers

2. Kiwi

Kiwi is another UPI app which gives assured cashback on every transaction to users. There are also many exiciting cashback offers on popular apps such as Zepto.

Get Flat 5% cashback on every payment with the Kiwi App. You also get extra rewards with a RuPay credit card. You can redeem the Kiwis for real cash which is transferred to your bank account instantly.

Also Read: BharatPe UPI offers: Earn Up to Rs. 40 Daily

Kiwi App UPI Cashback Offers

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3. PhonePe

PhonePe is best for regular UPI users who want a reliable app. Get up to ₹1000 on recharges, bill payments, and more. PhonePe is also one of the best UPI refer and earn apps in India, providing you Rs. 200 on every referral.

• Extra Features:
  • Simple and fast payments.
  • Available in multiple Indian languages.
  • Supports investments, insurance, and gold purchases.

4. Google Pay (Gpay)

Users prefer Google’s security and smooth experience. Earn scratch cards and rewards up to ₹1000 with Gpay app.

• Extra Features:
  • Works with most banks in India.
  • Uses Google’s security to keep payments safe.
  • Widely accepted by merchants.

5. Paytm

Paytm is one of the top UPI apps in India. It comes with so many exciting features. You can use it for all your payments and also get cashback on every transactions.

Get cashback on mobile recharge, credit card bill payments, money transfer, and more. Linking a RuPay card with your Paytm account can help you maximum cashback. There are many cashback offers especially for credit card users on Paytm.

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6. CRED

Cred app is best for credit card users who pay bills regularly. Get ₹2 to ₹20 cashback on the first two UPI payments daily (Minimum ₹20 per transaction). You also get daily up to Rs. 50 cashback on payment with Rupay UPI credit cards.

UPI Cashback Offers On Cred App

7. BHIM

For people who want a simple and government-backed app, BHIM is the preferred app for payments. You also get attractive cashback offers, especially on RuPay cards with BHIM app.

8. Jupiter

Jupiter app makes UPI transactions very rewwarding with assured cashback. Get flat 2% cashback on UPI transactions above ₹100. You can also open Jupiter savings account. It comes with zero minimum balance requirement.

There are many special cashback offers on money transfer, recharge and bill payments. The cashback is provided as Jewels which can be redeemed for real cash.

9. MobiKwik

Mobikwik is the preffered UPI app for people who prefer wallet-based UPI payments. The pocket UPI feature on the app allows you to make transactions without a bank account. You get flat Rs. 25 cashback on Pocket UPU activation. There is also up to 5% cashback on every payment using Pocket UPI.

10. Amazon Pay

Users who shop often on Amazon India, Amazon Pay UPI is the best option. You also get cashback on UPI payments, especially Amazon shopping. You get up to Rs. 10 cashback on send money and scan and pay transactions. The cashback is credited to your pay balance account. The cashback can be used to pay bills or shop online.

Amazon Pay UPI Cashback Offers

11. Super.money

Get Up to 5% on every UPI transaction with Super.money app. It is best UPI app for users who want cashback on all payments. The assured cashback is a reason to use this app.

While the amount may not be large but if make a lot of transactions daily you can easily save some money. The cashback you earn can be instantly transferred to your linked bank account.

Super Money is also one of the best UPI refer and earn apps, you earn assured cashback for inviting your friends and family.

• Extra Features:
  • Backed by Flipkart, ensuring reliability.
  • Works with top banks like Axis, IndusInd, and Utkarsh.
  • Simple and easy-to-use app.

12. Navi 

Navi is a UPI app for cashback that comes with a lot of features. You earn a scratch card for every UPI payment. The coins you earn from scratch cards can be redeemed for real cash.

Once you redeem Navi coins, the money will be credited to your linked bank account. The value of 10 Navi Coins is Rs. 1.

Navi UPI Cashback Offers

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Which UPI App Should You Choose?

Your choice depends on your needs:

Conclusion

UPI cashback apps make digital payments rewarding. If you want maximum cashback, try Super.money or Kiwi. If you need a trusted app, go for PhonePe or Google Pay. For shopping cashback, Amazon Pay and Paytm are great options.

Choose the one that fits your needs and start saving money today!

Frequently Asked Questions

Which UPI App Gives Cashback on Every Payment?

Kiwi, Jupiter, and Super Money are among UPI apps that give assured cashback on every transaction. You get up to 2% assured cashback with these apps.

Which UPI App Gives Maximum Cashback?

CRED app provides maximum cashback on UPI transactions. You can earn up to Rs. 50 cashback on UPI payments via RuPay Credit card daily.

Which UPI app is Best for cashback?

Currently, Super Money, CRED, and Navi are the best UPI Apps for cashback. You can find many cashback offers on these apps.

Which online payment app is best for cashback?

CRED is one of the best payment apps for cashback in India. You can also try Shriram One, Navi and Bajaj Pay for cashback offers on every payment.

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Sameer

I am content writer with over 10 years of experience. As a content writer my focus is always to make things simple to understand for the readers.

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