Just because you are paying your bills or even purchasing groceries, imagine being paid. That is the magic of the UPI cashback. The Unified Payments Interface (UPI), in India, has entirely transformed the nature of money transactions, making many users actively look for the best cashback UPI app rather than just basic convenience. No longer is it all about convenience; it is now about money back.
The numbers are huge. India predicted that nearly 1 billion UPI transactions will be allowed daily by 2026. The total transactions in the 2024-25 financial year, in the first quarter, stood at 201 billion. Indians are almost all smartphone users who scan QR codes. This has resulted in stiff competition from payment apps. These apps offer more than fast payments in order to attract users. They provide actual cash, rewards, and coupons.
But not all apps are the same. Others provide vouchers for brands that are not in use. Other applications silently deposit actual money in your bank account. This guide will remove the clutter and inform you on which apps will have you get a refund.
How Cashback Works on UPI Apps
Prior to the list, you must have an idea of where rewards are directed to you. The majority of the apps rely on one of the three techniques:
1. Scratch cards and mystery rewards
It is the most popular model that Google Pay popularised. Whenever you make a purchase, such as sending money to your friend or paying a merchant, you receive a digital copy of a scratch card. The prize is seen by swiping your finger on the screen. Occasionally, it is 10, occasionally 100, and occasionally the Better Luck Next Time message. This makes the payments look like a game.
2. Direct Bank Account Credit
This is the cash back gold standard. The application does not give points or vouchers. It returns real money back into the bank account of your UPI. As an example, when you use 100 and receive 1 per cent of cashback, 1 will be reflected in your bank account immediately.
3. Coins and Loyalty Points
Most apps, such as Paytm or CRED, provide their version of digital currency in the form of Cashback Points or Coins, which is an important factor when comparing the best cashback upi app for long-term value. You collect these over time. They can be later converted into cash (at a reduced rate) or can be used to purchase discount vouchers to get food delivered, flights, or shopping.
Factors to choose the best UPI App.
Choosing your primary payment app in 2026, do not focus on the logo. Take into consideration the following three facts:
- Type of reward: Would you prefer real cash or is it ok to use discount coupons? In the event that you barely ever make purchases online, high-end brand coupons would not be of any help. Find applications that have Assured Cashback.
- Success Rate (Server Uptime): A cashback application is out of place when the payment is not made when you are at the front of the crowd of a tea stand. You should have an app that is efficient and does not refuse to make a transaction.
- Hidden Fees: There are now platform fees also in certain apps that you pay to pay a bill, such as electricity or mobile recharge. A 2 cashback will not matter when the app charges you 3 to make the bill. Never overlook any additional charges.
The 10 best cashback UPI apps in India (2026).
These are the best applications, in terms of the amount of money that they can save you.
1. Super. money
The Up-and-Coming Master of Real Cashback.
Super. Money has rapidly gained popularity among users who are fed up with getting the same old, better luck next time, and are actively searching for the best cashback upi app that delivers real value. Being initiated in the rewards-first concept, it is not similar to such apps as PhonePe or GPay. The interface is very simple. It is oriented towards fast deals and concrete rewards. People dislike elaborate point systems, and the team is aware of it. Super. Money is awarded real cash in place of flustered coins. It is violent in rewards due to it being new and desiring to capture the market. The app is lighter and quicker, as it does not contain mini-games or a chat.
How this app offers cashback & Rewards:
- Super. Money frequently provides assured money back on transactions with merchants.
- When you scan a QR code at a store, you nearly always receive a small percentage discount.
- The cash is directly deposited into your wallet or bank account.
Pros:
- High probability of receiving real money as opposed to coupons.
- Exceptionally quick interface, no additional clutter.
- Intelligible reward history; you know how much you got in very clear terms.
Cons:
- Acceptance of rewards might not be as extensive as larger applications.
- The shortage of additional options, such as insurance or gold, in comparison to super-apps.
Download: https://play.google.com/store/apps/details?id=money.super.payments&hl=en_IN
2. Google Pay (GPay)
The King of Scratch Cards
Google Pay is the most popular UPI in India as it is reputable and easy, which is why many users still consider it when comparing the best cashback UPI app options available. It initiated the scratch card concept and transformed normal payments into a game. The application redirects the Audio QR technology and a chat-like interface to display transaction history. In the case of 2026, Google Pay has introduced seasonal Google Pay events such as Diwali Scanner and Party Unbox. Users can acquire huge payouts, sometimes more than 2000, by earning digital stamps. It is also in partnership with Android, where it is the default option for most.
How this App offers Cashback & Rewards:
- Google Pay rewards users mainly through scratch cards after eligible UPI payments like merchant scans, bill payments, or transfers.
- Cashback amounts range from small instant rewards to high-value payouts (₹100–₹2,000+) during festival campaigns and special events such as Diwali Scanner or Party Unbox.
- Rewards are credited directly to the linked bank account or given as vouchers, with no separate wallet system involved.
Pros:
- Google Pay is highly reliable, fast, and widely accepted across merchants and peer-to-peer payments.
- A simple and clean interface makes it easy for beginners and daily users.
- Seasonal campaigns can offer high-value rewards compared to many other UPI apps.
Cons:
- Cashback is not guaranteed and often results in “Better Luck Next Time.”
- Rewards depend heavily on ongoing events and algorithms.
- Limited control over cashback eligibility or frequency for regular users.
Download: https://play.google.com/store/apps/details?id=com.google.android.apps.nbu.paisa.user&hl=en_IN
3. Amazon Pay
The Best for Online Shoppers
Amazon Pay will be an excellent option in case you are an Amazon shopper, especially for users comparing the best cashback UPI app for online purchases and bill payments. It is included in the Amazon app, and therefore, you do not need another app. It employs a one-stop shop strategy. As you pay your bills or food delivery using Amazon Pay UPI, you get cash back, which is added to your Amazon Pay Balance. The balance is implemented just like cash to purchase something on Amazon. Checks are not bounced, and money is quickly returned.
How this app offers cashback & Rewards:
- They provide you with a definite cash back (say, 50 back on paying a 500 power bill).
- The funds are added to your Amazon Pay Wallet.
- The wallet can be used to make future payments via UPI or Amazon to shop.
Pros:
- Rewards are not given out as random scratch cards.
- All the cash back can be applied to Amazon shopping.
- Promotions on gift cards (Uber, Swiggy, Domino’s).
Cons:
- There is no way of sending wallet money back to a bank without KYC or fees.
- It is also occupied by the interface, which is a segment of the main Amazon app.
Download: https://play.google.com/store/apps/details?id=in.amazon.mShop.android.shopping&hl=en_IN
4. CRED
The Premium Experience of being creditworthy.
CRED began with paying credit card bills and has now become a complete UPI app that is being used by people with good credit, often evaluated alongside the best cashback UPI app options for premium users. It is dark and stylish, and it is smooth in its animations. By using CRED Pay, you get CRED Coins. The app resembles a game; you can spin a wheel, pull a lever, or hit a jackpot and win prizes. It targets individuals who have credit scores of above 750. These rewards are not in terms of small amounts of cash, but in terms of luxury items, travel packages, or food vouchers.
How this app offers cashback & Rewards:
- Payment of every bill and UPI scan rewards you with CRED Coins.
- You may use such money to play in-app games and get cash, devices, or even a vacation.
- Sometimes you are able to redeem the coins as cashback to your credit card.
Pros:
- Good design and high-quality touch.
- Big jackpots – the users have won phones and trips.
- Good at making several credit card payments.
Cons:
- You require a good credit score (750+) in order to join.
- The coin system may be gambling.
Download: https://play.google.com/store/apps/details?id=com.dreamplug.androidapp&hl=en_IN
5. PhonePe
The Market Leader in Volume
PhonePe is the largest UPI in India, and it is almost ubiquitous, making it a frequent comparison point when users look for the best cashback UPI app with reliable daily usage. Its greatest advantage is consistency. It has been paying huge cash rewards, but has switched to Merchant Coupons. You pay and get coupons for such brands as Lenskart or Ajio. They are also compatible with RuPay credit cards on UPI. Rewards that come with the connection of a RuPay card are better than the rewards of an ordinary bank account. You can also purchase gold, insurance, and mutual funds on the app.
How this app offers cashback & Rewards:
- The majority of these are done with the help of scratch cards, where coupons are displayed.
- They are also doing special offers like cash back of 100 at HPCL petrol stations, which you will not regret once you avail.
Pros:
- Works even on slow internet.
- Credible in paying utility bills.
- Easy insurance and investment reward integration.
Cons:
- There are a few cash-backs directly to your bank.
- There is a fee charged for mobile recharge.
Download: https://play.google.com/store/apps/details?id=com.phonepe.app&hl=en_IN
6. Kiwi
The “Credit on UPI” Specialist
Kiwi only concentrates on UPI Credit Cards. It provides you with a virtual RuPay Credit Card that is tied to your UPI, allowing you to use credit to pay any merchant QR code. Due to spending on credit, Kiwi will be able to provide greater cash back than normal UPI apps. The reward points are referred to as Kiwis. On every scan and pay, you get some Kiwis, which can be redeemed for cash.
How this app offers cashback & Rewards:
- You receive 1 per cent. To 2 per cent. Returned to the Kiwis with every scan.
- Four Kiwis usually equal ₹1.
- The bank will give you the chance to remit the money to the bank at any time.
- The returns are predictable and stable.
Pros:
- Consistent payment (e.g., 1 per cent on scans) rather than scratch cards.
- 45-50 days interest-free credit on UPI.
- The credit payment interface is simple and modern.
Cons:
- A virtual card requires a credit score to obtain the card.
- Only Credit Card UPI is covered by cash back and not by the normal bank UPI.
Download: https://play.google.com/store/apps/details?id=secure.unblock.unlimited.proxy.snap.hotspot.shield&hl=en_IN
7. Paytm
The Resilient Ecosystem
Despite the previous problems with the rules, Paytm remains a powerful payment application and is often considered while choosing the best cashback UPI app for an all-in-one ecosystem. The application allows you to purchase film tickets, travel buses, and other services. Services. It possesses a Cashback Points system: you earn points on every payment. The points are not lost easily and can be redeemed as special offers or exchanged as wallet money (1000 points = 1000INR). Paytm is ideal for getting cashbacks on wallet top-ups and fuel. Paytm kiosks are available in many shops, and hence the deals are compatible.
Read – Daily earning apps.
How this app offers cashback & Rewards:
- You get cashback with virtually every payment.
- It has a section called Cashback and Offers in which you are required to enable certain offers (such as pay 3 times at the pharmacy and get 50 rupees) before spending the money to receive the reward.
Pros:
- There is also the points system, where you will accumulate money towards what you want.
- There are numerous small apps (flight, bus, movie) that have their coupons.
- The wallet is accepted in all places of quick, low-value payments.
Cons:
- The application may be cluttered due to numerous applications and advertisements.
- The exchange rate of the points has reduced over the years.
Download: https://play.google.com/store/apps/details?id=net.one97.paytm&hl=en_IN
8. Tata Neu -The Shopper Super-App.
Tata Neu makes you related to the large Tata brands such as BigBasket, Croma, AirAsia, Tan, Westside, and IHCL Hotels, which appeals to users comparing the best cashback UPI app within a closed brand ecosystem. Tata Neu is the most suitable brand to choose in case you use such brands. You receive NeuCoins when you use Tata Neu UPI to make payments. The value of one NeuCoin is 1 rupee, and it is thus easy to perform the calculations. When you purchase groceries in BigBasket with Tata Neu and pay with UPI, you can earn back 5 per cent in NeuCoins.
How this app offers cashback & Rewards:
- Typically, 5% NeuCoins are received by those who use the Tata Neu HDFC Credit card, and even ordinary UPI customers receive special NeuPass advantages.
- The coins will be applicable to all Tata apps.
Pros:
- 1 NeuCoin = ₹1 – that is simple to figure out.
- Consumers of grocery (BigBasket) and electronic products (Croma) have great value.
- Rewards can be in the form of hundreds of rupees rather than several.
Cons:
- Some of them are only applicable to the Tata brands.
- The application may be slightly slower or heavier compared to plain UPI applications.
Download: https://play.google.com/store/apps/details?id=com.tatadigital.tcp&hl=en_IN&gl=IN&pli=1
9. Navi -The Financial Speedster.
Navi began as a loan and insurance application and is currently providing a quick UPI service in a clean design. The point is to simplify it and offer rewards to use other Navi services, such as home loans or health insurance. They offer “Navi Coins” and also direct cash incentives when goals are met. As an example, they may provide you with a flat cash payment as a reward for the first 5 UPI payments in a month. The app is extremely light and loads faster than heavy apps such as Paytm.
How this app offers cashback & Rewards:
- The coins in the form of Navi can be converted to gold or cash.
- They usually also have referral programs – refer a friend to use Navi UPI, and you will receive a flat cash bonus (say, 50 or 100) directly deposited into your bank account.
Pros:
- No additional platform costs or holding costs.
- Increased reward for referrals compared to most other competitors.
- Digital gold rewards that have the potential to increase.
Cons:
- UPI features are simple, as the primary target remains loans and insurance.
- Customer services are largely automated rather than human-based.
Download: https://play.google.com/store/apps/details?id=com.naviapp&hl=en_IN&gl=IN
10. BHIM (Bharat Interface for Money) -The Government’s Trusted Alternative.
BHIM is the official application that is developed by NPCI, the UPI organisation, and it is often evaluated differently when users search for the best cashback UPI app focused on simplicity and trust. It lacks flashy animations and shopping statistics like CRED or Amazon, but it boasts a huge benefit of proposing fuel and utility offers. The government frequently holds campaigns on BHIM, such as 1percent cashback on gasoline or cashback on the electric bill. Due to the fact that it is a non-profit project, there are no advertisements, cross-selling of loans, or a platform fee. It provides a UPI experience of a pure kind. BHIM is the one to use when you would like an easy app to receive government-sponsored cashback sometimes.
How this app offers cashback & Rewards:
- NPCI runs seasonal schemes.
- As an example, they recently had a scheme of Urja where they offered cashback on the payment of energy bills.
- Cashback is deposited directly into your bank account with no points or coupons.
Pros:
- 100 % ad‑free and lightweight.
- No points and no complicated direct bank cashback.
- It is most effective in government-related payments and fuel.
Cons:
- The interface is somewhat outdated compared to private applications.
- Government schemes are not continuous since they come and go.
Download: https://play.google.com/store/apps/details?id=in.org.npci.upiapp&hl=en_IN
Which UPI App Gives Cashback on Every Transaction?
This is the question that is asked the most by users. The honest answer? None of the apps provides cash on every transaction permanently because it would be a losing business.
Nevertheless, Super. Money and Kiwi are most closely related in 2026.
- Super.money: It is established on the customer pledge of Assured Rewards, whereby you receive something of value nearly always, not only a Better Luck sticker.
- Kiwi: (unless their credit card covers you) promises a rate of percentage earned (e.g., 0.5 or 1) scan since they will receive a cut of the money earned by the merchant fee (MDR), they will be able to share a portion of the same amount with you each time you make a payment.
Kiwi or Super. Money is a good choice, though, when you would rather be consistent than get shot in the dark.
Comparison Table: Best Cashback UPI Apps
| App Name | Cashback Type | Reward Medium | Cashback Frequency | Best For | Major Limitation |
| Super. money | Assured real cashback | Direct wallet/bank credit | Very high (almost every merchant payment) | Users who want real cash, not coupons | Limited acceptance compared to giants |
| Google Pay (GPay) | Scratch cards & event rewards | Bank account/vouchers | Medium (depends on offers & events) | Daily UPI users & festive rewards | Many times, “Better Luck Next Time” |
| Amazon Pay | Fixed assured cashback | Amazon Pay Wallet | High on bill payments & shopping | Online shoppers & bill payments | Wallet money can’t be directly withdrawn |
| CRED | Coins, jackpots & premium rewards | Coins → voucherscash/prizes | Medium | High credit score users (750+) | Rewards feel uncertain & game-based |
| PhonePe | Coupons & limited cashback | Brand coupons / occasional cash | Medium | Reliable daily payments & utilities | Platform fees on recharges |
| Kiwi | Percentage-based cashback | Kiwi points → bank cash | Very high (credit UPI only) | Consistent cashback seekers | Requires a credit card & a good score |
| Paytm | Cashback points & offers | Points → wallet/offers | High (if offers are activated) | Wallet users & travel/movie bookings | Cluttered interface, lower point value |
| Tata Neu | NeuCoins (₹1 = 1 coin) | NeuCoins across Tata brands | High (Tata ecosystem) | BigBasket, Croma & Tata loyalists | Limited usefulness outside Tata brands |
| Navi | Coins + direct cash incentives | Cashgold/coins | Medium | Lightweight app & referrals | Basic UPI features only |
| BHIM | Government-backed cashback | Direct bank credit | Low but assured (seasonal) | Fuel, utility & govt payments | Outdated interface, fewer offers |
Tips to Maximise UPS Cashback
Don’t just pay blindly. These are the strategies that can be used to increase your income twofold:
1. RuPay Credit on UPI Network Hack:
Connect a RuPay Credit Card to such applications as PhonePe, Kiwi, or Google Pay. Transactions between merchants using Credit UPI may be charged more than bank account UPI since the apps receive more commission on such transactions.
2. Does it have Specific QR Codes? Check.
There are even apps such as Paytm or PhonePe, which provide special rewards and bonuses in case you scan a certain category of QR code, a detail that often matters when choosing the best cashback UPI app for everyday payments. An example of this would be a cashback offer that is activated by scanning a “Fuel” QR code, but not a scanned “Grocery” QR code at a petrol pump.
3. Enable Activation, But Need to Spend First:
On such applications as Paytm or Amazon Pay, you have to manually tap on the buttons of either Collect Offer or Activate, and then carry out the payment. You will not receive the cashback even when you pay without clicking.
4. Split Large Bills:
When you need to pay an electric bill of 5,000 in ₹, you may have to ask yourself whether your app offers a limit (i.e., Cashback 50 50). Perhaps it would be wiser to pay with Amazon Pay (so as to earn their maximum reward) and Google Pay (so as to earn a scratch card), assuming that the biller will accept part-payments.
Conclusion
The times of Better Luck Next Time are gradually waning away in 2026 with the intensity of competition, and users comparing options for the best cashback upi app are now looking beyond just the big names. Google Pay and PhonePe will continue being the handy giants to use on an everyday basis, but the true value of money has been transferred to the niche players.
- To pure cash lovers: Super. Money or Kiwi.
- To online buyers: Amazon Pay can not be beaten.
- To attract high rollers, CRED provides the most thrilling rewards of a lifestyle.
The best strategy? Keep 2 apps on your phone. Select one primary one since it is faster (such as PhonePe/Navi) and another secondary one (such as Amazon Pay/CRED) with high-value transactions, where cashback is the most important factor to consider. Happy saving!
FAQs
1. Is the cash back money taxable in India?
Usually, small amounts of cashback are regarded as gifts or discounts and do not have to be taxed. But in case you get a very high income (more than 50000 a year) simply out of rewards, it may be included in the category of Income from Other Sources.
2. What is it with Better Luck Next Time?
Algorithms are applied in Apps to identify rewards. Unless you make high-value peer-to-peer transfers (such as sending 10 rupees to a friend), you probably will not receive rewards.
3. Is it possible to move the Amazon Pay cashback to a bank account?
Not directly. The cashback is added to your account in the Gift Cards, which can not be transferred to a bank. You can, however, pay bills or purchase gold (and sell the gold later) to liquidate it.
4. Which app is safest for UPI?
The NPCI and RBI regulate all the UPI apps and thus are equally safe in terms of money transfer protocols. Nevertheless, there has been frequent reference to BHIM and Google Pay as having the best fraud-detection systems.
