We all use UPI apps for things like paying bills, recharging phones, or even splitting dinner bills with friends. But what if these everyday transactions could actually help you earn something back? The great thing is, many UPI apps now offer opportunities to make money while using them.

Whether it’s through cashback on your purchases, rewards for referring friends, or even scratch cards for paying bills, these apps are turning regular payments into small, yet meaningful earnings. In this blog, we’ll introduce you to the best UPI earning apps in India, showing you how they work and how you can benefit from them. So, if you’re someone who already uses UPI and wants to make the most of it, keep reading to see how you can start earning with your everyday payments.

What Are UPI Earning Apps?

UPI earning apps are mobile payment applications that not only allow you to transfer money but also reward you for using them. The rewards can be in the form of:

• Cashback on bill payments, recharges, and shopping.
• Referral bonuses when you invite new users.
• Scratch cards and vouchers for completing transactons.
• Reward points that can be redeemed for discounts or cash.

These apps are completely safe, provide secure UPI transactions.

Benefits of Using UPI Earning Apps

• Instant Rewards – Cashback and vouchers directly credited after payments.
• Referral Income – Earn money for every successful friend you invite.
• Secure Payments – Backed by RBI and NPCI-approved systems.
• Multiple Uses – Pay bills, recharge mobiles, book tickets, shop online, and earn at the same time.
• Extra Side Income – While not a full-time income, they help cover small expenses.

List of Best UPI Earning Apps

1. Google Pay

Google Pay is one of the most widely used UPI apps in India, trusted by millions for quick and secure money transfers. Apart from payments, it also offers a strong referral program where users can earn cash rewards by inviting friends. Google Pay frequently runs promotional campaigns where both the inviter and invitee receive scratch cards or instant cashback.

The app is backed by Google’s reliable infrastructure, ensuring smooth transactions without delays. Over the years, it has built a reputation for being beginner-friendly while maintaining strong security measures. With seamless UPI integration and rewards, it continues to be a favorite among users who want both convenience and earning potential.

• Earning Method: Referral rewards and cashback offers
• Payouts: Directly credited to your bank account via UPI
• Pros: High trust factor, frequent promotions, smooth UPI transfers
• Cons: Rewards are promotional and not guaranteed

2. PhonePe

PhonePe is another top UPI app in India that has gained massive popularity due to its reliability and wide acceptance. Beyond standard UPI transfers, PhonePe allows users to earn through referral bonuses and cashback on bill payments, recharges, and shopping. The app integrates well with online merchants and offers regular reward-based campaigns.

Its user interface is easy to understand, making it accessible to first-time digital payment users as well. The referral rewards structure is simple, and the app processes payouts instantly, which makes it appealing to those looking for quick earnings. With strong partnerships and millions of active users, PhonePe remains a leading UPI earning app.

• Earning Method: Referrals, cashback on transactions
• Payouts: Credited to your PhonePe wallet or directly to your bank
• Pros: Simple interface, wide acceptance, quick rewards
• Cons: Rewards depend on ongoing campaigns

3. Paytm

Paytm started as a mobile wallet but has now become one of the most versatile payment platforms in India, offering UPI as well. Along with money transfers, it provides cashback opportunities and referral earnings for new user invites. The app is integrated with thousands of merchants, allowing users to earn rewards on recharges, bill payments, and shopping.

Paytm is especially known for its promotional offers, which often include instant cashback or scratch card rewards. The platform also has a strong presence in offline stores, making it useful beyond online payments. For users looking to earn while transacting daily, Paytm remains a solid choice.

• Earning Method: Referral bonuses, cashback on recharges and payments
• Payouts: Added to Paytm wallet or directly into a linked bank account
• Pros: Wide merchant network, strong brand trust, multiple earning opportunities
• Cons: Cashback rewards have reduced compared to earlier years

4. Amazon Pay UPI

Amazon Pay UPI, integrated within the Amazon app, is another great option for earning through daily transactions. Users can make UPI transfers, pay bills, recharge mobiles, and shop on Amazon while receiving cashback and rewards. The platform also supports quick payments through a UPI, making transactions simple and fast. It offers regular cashback campaigns for sending money back to your UPI, often giving scratch cards or balance credits.

Since Amazon already has a vast customer base, its UPI service gained popularity quickly. The app is easy to use, and the reward system often aligns with shopping benefits, making it appealing for frequent Amazon shoppers. With instant payouts and trustworthy operations, Amazon Pay UPI is among the most rewarding UPI platforms.

• Earning Method: Cashback on UPI transfers, referral bonuses
• Payouts: Amazon Pay balance
• Pros: Linked with Amazon shopping, frequent campaigns, smooth UPI transactions
• Cons: Payouts restricted to Amazon Pay balance

5. BHIM UPI

Launched by the National Payments Corporation of India (NPCI), BHIM UPI is a government-backed platform designed to simplify UPI transactions. It is widely used across India, offering a straightforward and secure way to transfer money. While BHIM does not have flashy promotions like private apps, it does offer occasional referral campaigns with small rewards.

The main advantage of BHIM is its reliability and official backing, which ensures smooth performance and wide merchant acceptance. For users who value security and trust, BHIM is an ideal choice, though the earning opportunities are relatively limited compared to private UPI apps.

• Earning Method: Referral programs during promotional campaigns
• Payouts: Direct bank transfer via UPI
• Pros: Government-backed, reliable, secure transactions
• Cons: Limited earning opportunities

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6. Freecharge

Freecharge, once known for mobile recharges, now operates as a UPI-enabled payment app under Axis Bank. It allows users to make UPI payments, recharge mobiles, and pay bills while offering cashback rewards. The referral program is simple, rewarding users who bring in new sign-ups.

Freecharge also collaborates with merchants to provide shopping discounts and promotional campaigns. Though not as widely used as Paytm or PhonePe, it still provides decent cashback opportunities for regular users. Its easy interface and integration with Axis Bank services make it an attractive option for those looking for both payments and small earnings.

• Earning Method: Referrals, cashback on transactions
• Payouts: Credited to Freecharge wallet or bank account
• Pros: Axis Bank integration, simple interface, shopping offers
• Cons: Smaller user base compared to bigger apps

7. MobiKwik

MobiKwik is another digital wallet that has expanded into UPI payments, offering users rewards and cashback opportunities. It supports bill payments, shopping, and recharges, making it useful for day-to-day transactions. The app often provides SuperCash rewards, which can be used for future transactions.

Referrals also bring in earnings, though they are usually modest compared to bigger platforms. MobiKwik partners with multiple merchants to deliver shopping offers, enhancing its appeal. While its user base is not as massive as PhonePe or Google Pay, it still provides consistent cashback opportunities, making it worth trying for regular digital payment users.

• Earning Method: Referral rewards, cashback, SuperCash
• Payouts: Added to MobiKwik wallet
• Pros: Wide merchant partnerships, frequent offers, reliable transactions
• Cons: Rewards mostly restricted to SuperCash

8. CRED

CRED is primarily known as a credit card bill payment app but also functions as a UPI-enabled platform. It provides unique rewards such as CRED coins and cashback for bill payments, referrals, and UPI transactions. The app focuses on premium users with high credit scores, making its reward system slightly different from standard UPI apps.

By paying bills and inviting friends, users can earn rewards that can be redeemed for discounts or cashbacks. CRED also occasionally runs UPI-specific campaigns to promote transactions. With its stylish design and premium appeal, CRED stands out as a unique UPI earning app.

• Earning Method: Referrals, cashback, CRED coins
• Payouts: Rewards redeemed as cashback or vouchers
• Pros: Premium features, unique reward system, reliable payments
• Cons: Targeted mainly at credit card users

9. Bajaj Finserv UPI

Bajaj Finserv UPI is part of the Bajaj Finserv app, designed to simplify payments while offering rewards. It provides cashback on UPI transactions, mobile recharges, and bill payments. The referral program is also straightforward, giving users cash benefits for inviting friends. With Bajaj’s strong presence in financial services, the app ensures smooth and secure UPI transactions.

Though not as popular as Google Pay or Paytm, it has a growing user base due to its reliable performance and reward-driven campaigns. For those already using Bajaj services, this app adds extra value with its UPI features and earnings.

• Earning Method: Referrals, cashback offers
• Payouts: Directly to bank account or wallet
• Pros: Backed by Bajaj Finserv, secure, good referral offers
• Cons: Smaller community compared to bigger apps

10. Airtel Payments Bank (Airtel UPI)

Airtel Payments Bank provides UPI services through its Airtel Thanks app, making it easy for users to transfer money, pay bills, and recharge. It also offers cashback rewards for specific UPI transactions, along with referral bonuses.

The app integrates smoothly with Airtel services, giving additional benefits to existing Airtel customers. While its user base is smaller than leading apps, its cashback campaigns and ease of use make it a good secondary UPI earning option. Airtel UPI also ensures fast payouts, making it convenient for users who want both telecom and payment benefits in one platform.

• Earning Method: Referrals, cashback on recharges and payments
• Payouts: Airtel wallet or linked bank account
• Pros: Strong Airtel integration, easy interface, quick payouts
• Cons: Limited earning opportunities compared to larger apps

11. POP (POP UPI & POPcoins)

POP is a relatively new UPI app that stands out by offering POPcoins, which can be redeemed for cashback and vouchers. Users can earn by sending UPI payments, referrals, and completing small tasks within the app.

It positions itself as a rewards-first UPI app, focusing on users who want maximum earnings from daily payments. POP’s campaigns are often more frequent and rewarding compared to traditional UPI apps, attracting younger audiences. With growing popularity, it has become one of the most talked-about new entrants in the UPI earning space.

• Earning Method: Referrals, POPcoins, cashback rewards
• Payouts: Redeemable as vouchers or cashback
• Pros: High reward focus, frequent offers, attractive design
• Cons: New in market, limited acceptance compared to older apps

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12. FamApp (FamX UPI)

FamApp, also called FamX UPI, is a social payments app that combines UPI transfers with group features. Users can create groups to manage shared expenses while earning rewards for referrals and transactions. The app’s focus on social interaction makes it different from traditional payment apps.

By inviting friends and using Fam groups, users can earn small but consistent rewards. Its interface is designed for younger users who want both fun and functionality in a payment app. Although relatively new, FamApp is growing quickly among students and young professionals.

• Earning Method: Referrals, group rewards
• Payouts: Direct bank transfer
• Pros: Social payment features, easy to use, referral benefits
• Cons: Smaller user base, limited merchant tie-ups

13. Fi Money UPI

Fi Money is a neobank app that integrates UPI payments with smart money management tools. Apart from standard transfers, users can earn through cashback offers and referral programs. The app appeals to tech-savvy users who want financial tracking and UPI earnings in one place.

Its unique interface allows users to analyze spending while earning rewards for referrals. Fi Money frequently runs limited-time cashback campaigns to attract users. Though it is newer than major UPI apps, it offers a modern approach to payments and rewards, making it an attractive choice for young professionals.

• Earning Method: Referrals, cashback offers
• Payouts: Direct to bank account
• Pros: Modern design, spending insights, good referral payouts
• Cons: Limited user base compared to top apps

14. Flipkart UPI

Flipkart UPI is integrated within the Flipkart shopping app, allowing users to pay for purchases directly via UPI. Apart from shopping, it provides rewards through referrals and cashback campaigns. Since Flipkart is already one of India’s largest e-commerce platforms, its UPI service gained traction quickly.

The rewards often come in the form of SuperCoins or balance credits, which can be redeemed on the Flipkart platform. This makes it especially useful for frequent online shoppers who want to save extra while transacting. With its trusted brand name, Flipkart UPI is steadily becoming a strong competitor in the UPI space.

• Earning Method: Referrals, cashback, SuperCoins
• Payouts: Flipkart balance or SuperCoins
• Pros: Integrated with shopping, trusted brand, frequent offer
• Cons: Rewards restricted to Flipkart ecosystem

15. Jupiter UPI

Jupiter is a neobank app offering UPI services with added financial tools for expense tracking and money management. The app rewards users with cashback and referral bonuses, making it appealing to those who want more than just payments. Its design focuses on young professionals who want insights into their spending habits while earning small rewards for transactions.

With growing popularity, Jupiter frequently introduces reward-based campaigns for UPI transfers and referrals. Although not as widely adopted as Google Pay or PhonePe, it stands out due to its modern design and focus on financial health.

• Earning Method: Referrals, cashback campaigns
• Payouts: Direct to bank account
• Pros: Financial tools included, modern app interface, growing user base
• Cons: Smaller acceptance network compared to top apps

Comparison Table of Best UPI Earning Apps

How to Choose the Right UPI Earning App

• Check Reviews & Ratings – Only download trusted apps.
• Look at Referral Bonus – Some apps pay more per invite.
• Minimum Withdrawal – Pick apps that allow easy transfer to bank.
• Frequency of Offers – Apps like Google Pay, PhonePe run regular promotions.
  

Tips to Maximize Your Earnings

• Use multiple apps for different transactions.
• Focus on referrals, as they give higher payouts.
• Check for festive offers – Diwali, New Year usually bring big rewards.
• Withdraw cashback quickly to avoid expiry.
  

Conclusion

UPI earning apps are a smart way to make extra income while handling your daily transactions. Whether it’s paying bills, shopping online, or referring friends, these apps give you cashback, rewards, and vouchers for tasks you’re already doing. While you shouldn’t rely on them for full-time income, they are a great way to cover small expenses or add some fun rewards to your routine.

Choosing trusted apps like Google Pay, PhonePe, Paytm, and Amazon Pay UPI ensures both safety and regular rewards. At the same time, newer apps like POP, FamApp, and Jupiter provide innovative ways to earn. If you use them smartly, you can easily save a few hundred to even a couple of thousand rupees every month.

FAQs

1. Which UPI earning app gives the highest rewards?

Google Pay, PhonePe, and Paytm often provide the best referral bonuses and cashback.

2. Are UPI earning apps safe?

Yes, as long as you use NPCI-approved apps from trusted sources like Google Play Store or App Store.

3. Can I withdraw cashback directly to my bank account?

Yes, most apps like Google Pay, PhonePe, and Paytm transfer cashback directly via UPI.

4. How much can I earn monthly?

On average, users can earn anywhere from ₹500 to ₹2,000 per month depending on referrals and usage.

5. Do I need KYC to use UPI earning apps?

Basic UPI doesn’t require KYC, but some wallet-linked features may ask for KYC verification.