UPI apps make sending and receiving money easy. Many apps also offer cashback, which gives you rewards for payments. Below is a list of 10 best UPI apps for cashback in 2025. Let us dive deep to learn more about these UPI apps in India.
List of UPI Apps for Cashback in India
| Rank | UPI App | Cashback Offer |
| 1 | Super.money | Up to 5% on every UPI transaction |
| 2 | Kiwi | Flat 5% (2% as “Kiwis”) |
| 3 | PhonePe | Up to Rs 1000 on recharges and bills |
| 4 | Google Pay | Scratch cards and rewards up to Rs 1000 |
| 5 | Paytm | Cashback points and user-specific deals |
| 6 | CRED | Rs 2 to Rs 20 on first two daily transactions |
| 7 | BHIM | Attractive cashback with RuPay cards |
| 8 | Jupiter | 2% flat cashback on payments over Rs 100 |
| 9 | Mobikwik | Periodic cashback, e.g., Rs 20 for new users |
| 10 | Amazon Pay | Cashback on transactions, especially on Amazon |
1. 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.
2. Kiwi
Get Flat 5% cashback (2% as “Kiwis” points) on every payment with the Kiwi App. You also get extra rewards with a RuPay credit card.
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.
- Extra Features:
- Offers a virtual RuPay credit card for better cashback.
- Safe and backed by fintech experts.
- Can be used for both online and offline payments.
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
- Cashback: Get Paytm cashback points and special user deals.
- Best for: People who use Paytm Wallet and Paytm Mall.
- Extra Features:
- Supports UPI, wallet, and bank transfers.
- Works with QR codes for fast payments.
- Can be used for ticket booking, shopping, and bill payments.
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).
- Extra Features:
- Rewards users for paying credit card bills on time.
- Offers access to premium deals and exclusive offers.
- Has a stylish and smooth interface.
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.
- Extra Features:
- Made by NPCI (the creators of UPI).
- Works with all major banks.
- Fast and secure transactions.
8. Jupiter
- Cashback: Flat 2% cashback on UPI transactions above ₹100.
- Best for: Users looking for banking + UPI cashback in one app.
- Extra Features:
- Comes with a free RuPay credit card.
- Offers smart money management tools.
- Good for saving and tracking spending.
9. MobiKwik
Mobikwik is the preffered UPI app for people who prefer wallet-based UPI payments.
- Extra Features:
- Works like a digital wallet (Pay UPI without a bank account).
- Offers loans, insurance, and shopping deals.
- Simple and fast payments.
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.
- Extra Features:
- Secure payments using Amazon’s technology.
- Supports bill payments, recharges, and UPI.
- Special discounts and cashback on Amazon purchases.
Which UPI App Should You Choose?
Your choice depends on your needs:
| Need | Best App | Why? |
|---|---|---|
| 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!