UPI Apps Giving Cashback: UPI payments have become a part of our everyday lives — from splitting dinner bills to paying for groceries.
But if you’re like most people, you’ve probably noticed that the exciting cashback offers we once enjoyed from apps like Google Pay and PhonePe have slowly disappeared.
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But here’s the good news: some UPI apps are still giving cashback, and not many users know about them.
Whether it’s through bill payments, QR scans, or referrals, a few smart platforms continue to reward users with real money, points, or wallet credits.
In this article about UPI Apps Giving Cashback, I’ve personally reviewed and compared the top UPI Apps Giving Cashback in India that still offer cashback.
If you’re looking to save more while you spend — this is the list, you need.
🏦 1. BHIM UPI (By NPCI)
- What’s New: The BHIM app got a refreshing UI update in 2025 — modern layout, faster loading, and a clean transaction history.
- Cashback System: You can now see “Offers” or “Rewards” inside the app menu. NPCI often runs cashback promotions for fuel, utility bills, and merchant QR codes.
- Unique Perk: Government-backed & ad-free.
📌 Tip: Look out for festival offers (RBI/NPCI tends to run them around Gudi Padwa, Diwali, etc.)
💳 2. CRED UPI
- Cashback Format: Offers UPI cashback for bill payments, credit card repayments, and select merchant QR code scans.
- Strength: You get either cashback or CRED Coins, which can be redeemed for shopping vouchers or products.
- Best For: Users already using CRED for credit card payments — now it’s a one-stop platform.
📌 Bonus Tip: Combine CRED UPI with your EMI/card payments to double dip in rewards.
📲 3. Amazon Pay (with UPI)
- Type of Cashback: Amazon Pay balance
- How It Works: Pay your electricity/water/DTH bills or mobile recharges using UPI → check “Rewards” tab for cashback.
- Unique Point: Cashback credited directly into Amazon Pay, usable on shopping, recharge, travel, and more.
📌 Pro Tip: Look for limited-time banner offers like “Get ₹15 cashback on 3 bill payments.”
💼 4. Navi UPI
- Emerging App: Originally a lending platform by Sachin Bansal (ex-Flipkart), Navi has now added UPI features.
- Cashback Offers: Navi gives cashback when you complete certain milestones — like paying your first bill, scanning a QR, or referring a friend.
- Combo Perks: UPI + personal loan ecosystem. Ideal for salaried users.
📌 Caution: Cashback is often limited-time; check offer validity in the app.
💸 5. Super Money
- New Entrant: A rising fintech app aimed at Gen Z and small-town India.
- UPI Rewards: Heavy on referrals and new user cashbacks. Some QR code scans offer instant cashback or scratch cards.
- Strength: Gamified interface, often runs “spin & win” or “daily reward” offers.
📌 Pro Tip: Best used alongside mainstream apps — don’t rely on it as your primary UPI wallet yet.
📊 Comparison Table – UPI Apps Giving Cashback
| App | Cashback Type | Best Use Case | Extra Perks |
|---|---|---|---|
| BHIM | Direct Cashback | Utility bills, fuel | Govt. backed, no ads |
| CRED | Coins & Cashback | Credit card payments | Convert coins to rewards |
| Amazon Pay | Amazon Balance | Recharges, bill pay | Shop with cashback |
| Navi | Cashback + Offers | Loan + UPI combo | Instant loan + UPI |
| Super Money | Referral + Scratch Cards | Scan & refer | Gamified rewards |
💡 How to Maximize UPI Cashback in 2025
- Split Transactions – Make multiple small-value payments instead of one big one.
- Use for Bills – Most cashback offers apply to electricity, gas, and DTH recharges.
- Refer Smartly – Navi and Super Money reward heavily for referrals.
- Festive Seasons = More Rewards – Diwali, Holi, Independence Day often bring exclusive offers.
- Check App Notifications – Many offers are hidden unless manually activated.
🚫 What About GPay, PhonePe & Paytm?
Unfortunately, these major players have discontinued most of their cashback programs, especially for everyday UPI transfers.
While they still offer loyalty programs (like GPay Stamps or PhonePe Super App offers), instant UPI cashback is rare.
🎯 Final Thoughts – UPI Apps Giving Cashback
Cashback may not be what it was in 2020-21, but if you use the right UPI Apps Giving Cashback strategically, there’s still money on the table.
If you’re someone who pays 5–10 bills a month, scans QR codes daily, or enjoys rewards and credits — then try combining BHIM + Amazon Pay or Navi for maximum benefit.