Best UPI Apps That Give You Cashback for Making Payments


Best UPI Apps for Cashback: In this article, we will list down the top Indian UPI apps that give cashback for making payments. You might be one of those who prefer digital payments for daily transactions, specifically UPI payments, which are quick and easy. However, you may be aware that GPay, Paytm, Mobikwik, and other well-known apps have stopped offering cashback for UPI payments.

In this article, we have listed the best UPI cashback apps that you can use to earn cashback while making daily payments.

top upi cashback apps

1. Kiwi

Kiwi is a brand-new app that provides a lifetime free RuPay credit card for making payments via credit cards. It guarantees cashback rewards in the form of 'kiwis,' making it worth a shot. Additionally, when you download the app using a referral code, you can earn an extra ₹250 cashback.

Since this app just launched in 2023, you can expect higher cashback rewards as it establishes itself. If you want to learn more about how to earn cashback with Kiwi and claim the ₹250 signup bonus, check out their information here.

2. Cred

Regarding UPI payments, Cred is one of the best options for earning cashback. It offers assured cashback on the first 2 transactions every day, up to ₹10. This means that you can earn up to ₹20 cashback every day just by using Cred for your UPI payments.


To use Cred, you need to have a credit card. If you don't have a credit card, you can check out other UPI cashback apps that don't require a credit card.

3. PayZapp

PayZapp has revamped itself and launched a new app with an updated UI and the ability to make UPI transactions. It is also running assured cashback on making UPI payments. You can check the cashback offers on the app.

Currently, PayZapp is offering a flat ₹2 cashback on minimum transactions of ₹50, which translates to a 4% cashback. Under this offer, you can earn up to 12 cashback per month. This offer is valid till 31st August, 2023.


4. Paytm

Paytm is one of the most popular payment apps that offers cashback on making online, offline and sent money transactions. It offers user-specific offers that you can check by navigating to the "cashback & offers" section.

To check exclusive offers for you, click on Cashback & Offers and you find exclusive UPI, wallet, bill pay, scan and pay offers.

paytm exclusive upi offers

5. Bazaz Finserv

"Bazaz Finserv just rolled out their spanking new fintech app. It's got all the cool stuff you need – recharges, bill payments, and smooth UPI transactions, plus a bunch of other features.

In terms of cashback, you can find several offers on making UPI payments for recharge, bill payment and send money category.

6. Google Pay

Google Pay is one of the most widely used platforms for UPI payments. While it no longer offers cashback on regular UPI payments, you can still earn cashback during special campaigns where you complete tasks to unlock rewards.

Additionally, you have the opportunity to earn vouchers, such as cashback on your next recharge, bill payment or bill payment, by simply making UPI transactions on Google Pay.

7. Mobikwik

Mobikwik periodically offers cashback promotions for UPI payments, which you can review on its app or website to earn cashback. This app operates smoothly and efficiently, offering a range of features, from bill payments to money transfers, including sending money to banks and much more.

Explore the UPI offers on its dedicated page to start earning cashback.

8. Amazon Pay

Amazon Pay rewards you with scratch cards every time you successfully complete a UPI transaction using Amazon Pay UPI. These scratch cards may contain shopping coupons and cashback. You can easily find these offers in the 'Offer Section' on Amazon Pay.

It's a great choice if you're considering making a purchase on Amazon, as UPI payments through Amazon can grant you Amazon discount cashback vouchers for free.

9. Freecharge

Freecharge is a well-known UPI payment platform that rewards you with cashback when you recharge or make bill payments using UPI mode. While it doesn't offer cashback for sending money, you can use other apps like Kiwi, Cred, and Bazaz Finserv for that purpose.

This app is an excellent choice when you have a recharge or bill payment to make and you're in search of a reliable UPI app that not only provides cashback but also offers a user-friendly platform with seamless transaction capabilities.

Final Words

When it comes to seamless and secure digital transactions, the best UPI apps are the go-to choice for millions of users in India. These user-friendly applications offer a convenient way to transfer money, pay bills, and shop online with ease.

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