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 2026. Let us dive deep to learn more about these UPI apps in India.
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Top UPI Apps for Cashback in India 2026
UPI App | Cashback Offer | Download Now |
| CheQ | Assured Chips on Every Transaction | Download Now |
| Navi | Flat Rs. 20 on 1st Recharge Above Rs. 200 | Download Now |
| PhonePe | Up to Rs 1000 on recharges and bills | Download Now |
| Google Pay | Scratch cards and rewards up to Rs 1000 | Download Now |
| Paytm | Cashback points and user-specific deals | Download Now |
| CRED | Rs 2 to Rs 20 on first two daily transactions | Download Now |
| BHIM | Attractive cashback with RuPay cards | Download Now |
| ABCD | 2% flat cashback on payments over Rs 100 | Download Now |
| Kiwi | 2% Kiwis on Every transaction | Download Now |
| Amazon Pay | Up to Rs. 20 on Payment with Amazon Pay UPI | Download Now |
1. POP UPI
POP UPI app makes your transactions rewarding with assured cashback. You get Rs. 10 cashback on signup with POP UPI referral code. You also get assured POP coins on every payments. The coins can be redeemed for products across various categories. You can redeem the coins for cashback.
In Addition, you can apply for Yes Bank POP credit card to accelerate your earnings from the app. The lifetime free Rupay credit card comes with amazing rewards.
POP UPI Review
POP UPI app gives assured cashback, allowsing users to burn POP coins for cashback. However, the cashback percentage is low. Also, you need a minimum of Rs. 25 to redeem the cashback earned/
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
UPI Cashback Offer | Cashback Amount |
| Referral | 300 Per Referral |
| Send Money Cashback | Up to 100 Kiwis |
| Scan & Pay Offer | Flat 2% Kiwis |
| Flight Bookings | 8% OFF |
| Myntra | ₹400 OFF |
Kiwi UPI App Review
Kiwi app is also one of the UPI apps that give assured cashback on every transaction. You get 1% assured cashback on UPI payments. The rewards or cashback is provided as Kiwis which can be redeemed for real cash.
Download Now
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.
You can also get 10% cashback on PhonePe with their co-branded credit card. With the PhonePe credit card, you get assured cashback on recharge, bill payments, and more.
UPI Cashback Offers On PhonePe App
Category | Minimum Transaction | Cashback |
| Mobile Recharge | Rs. 199 | Up to Rs. 200 |
| Credit Card | Rs. 500 | Up to Rs. 100 |
| Send Money | Rs. 100 | Up to Rs. 25 |
| Scan & Pay | Rs. 100 | Up to Rs. 50 |
PhonePe App Review
PhonePe is one of the most popular UPI apps. However, the cashback offers on UPI payments are limited. Most offers on PhonePe are user specific, you can check the rewards section.
4. Google Pay (Gpay)
Google Pay is one of the most rewarding UPI apps with cashback offers. The app supports all payment options including money transfer, recharge, utility bills and more.
The cashback provided on Google Pay is credited directly into the bank account.
Cashback Offers on Google Pay:
- Google Pay comes with cashback offers during festive season.
- Get random cashback with scratch cards
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.
Paytm has recently introduced cashback via Gold coins. The Gold coins can be redeemed for real cash which can be transferred to bank account. The minimum amount you can redeem on Paytm is Rs. 15. Gold coins on Paytm are similar to the cashback points earlier available on the platform.
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
Category | Minimum Transaction | Cashback |
| Mobile Recharge | Rs. 100 | Up to Rs. 25 |
| Credit Card | Rs. 100 | Up to Rs. 100 |
| Send Money | Rs. 10 | Up to Rs. 25 |
| Scan & Pay | Rs. 10 | Up to Rs. 50 |
7. BHIM
BHIM app has started to offer a lot of cashback offers. There are many cashback offers available on send money, recharge, and utility bills.
The cashback provided is random which can be directly redeemed to the linked bank account.
BHIM UPI Cashback Offer | Cashback Amount | Conditions |
| BHIM UPI New User Cashback | ₹100 (₹25 x 4 txn) | Minimum ₹50 per transaction to any UPI ID |
| Send Money Cashback | ₹25 per txn | Send ₹100 or more to 3 different UPI IDs (once/day max) |
| Scan & Pay Offer | Up to ₹20 per txn | Scan any BHIM QR & pay minimum ₹50 (up to 10 times/month) |
| Mobile Recharge | Up to ₹ 30 | Minimum Transaction of ₹199 |
| Referral Bonus | ₹20 per referral | Referred user must complete 3 transactions of ₹50+ |
| Electricity Bill Payment | Up to ₹50 | Minimum Transaction of ₹500 |
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 UPI activation. There is also up to 5% cashback on every payment using Pocket UPI.
In addition, the app has many coupon codes which can be used on mobile recharge, postpaid bills, electricity bill payment & more.
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
UPI Cashback Offer | Cashback Amount | Minimum Transaction |
| Send Money | Up to ₹10 | ₹20 |
| Recharge | Up to ₹10 | ₹20 |
| Scan & Pay | Up to ₹10 | ₹20 |
| Add Money | Up to ₹100 | ₹500 |
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
UPI Cashback Offer | Cashback Amount | Maximum Coins |
| Credit Card Bill | Flat 1% Coins | Up to 5000 Coins |
| Fastag Recharge | Flat 5% Coins | Up to 100 Coins |
| Send Money | Up to 100 Coins | Up to 100 Coins |
| Electricity Bill | Flat 5% Coins | Up to 100 Coins |
| All Bills & Recharge | Up to 1000 Coins | Up to 1000 Coins |
13. 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
UPI Cashback Offer | Cashback Amount | Minimum Transaction |
| Bill Payment | Up to 1000 Points | Rs. 99 |
| Send Money Cashback | Up to 500 Points | Rs. 10 |
| Scan & Pay Offer | Up to Rs. 100 | Rs. 10 |
| Credit Card Bill Payment | Flat 100 Points | Rs. 100 |
Which UPI App Should You Choose?
Your choice depends on your needs:
| Need | Best App | Reason |
|---|---|---|
| Highest Cashback | Super.money, Kiwi | Up to 5% cashback on all UPI transactions. |
| Best Overall UPI App | PhonePe, Google Pay | Easy to use and widely accepted. |
| Best for Shopping | Amazon Pay, Paytm | Cashback on Amazon and Paytm Mall purchases. |
| Best for Credit Card Users | CRED | Rewards for paying credit card bills. |
| Best Wallet-Based UPI | MobiKwik | Works without a linked bank account. |
| Government-Backed App | BHIM | Official NPCI app with RuPay offers. |
| Best for Banking + UPI Cashback | Jupiter | 2% cashback and free RuPay credit card. |
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.