Best Cashback UPI App – Rewards, Points, Vouchers and Seasonal Offers

From cashback and vouchers to loyalty points, India’s top UPI apps are making digital payments more rewarding and exciting for users. Today, UPI app rewards play a key role in how people choose which app to pay their bills. To keep users coming back and encourage more transactions, most UPI apps now offer a range of rewards. Which is the best cashback UPI app?

Let’s explore what Google Pay, PhonePe, Paytm, BHIM, and others are offering users.

UPI App Rewards – Who Really Gives More Cashback Today

UPI Apps in India	Type of Rewards (Dec 2025)
Google Pay	The Party Unbox campaign with cashback up to two thousand and twenty-five rupees through stickers, scratch cards, games, vouchers, and referral rewards.
PhonePe	Cashback, including RuPay Credit Card, UPI rewards, SuperCoins, referrals, scratch cards, and regular utility bill payment bonuses.
Paytm	Referral rewards, cashback points, vouchers, and digital gold rewards through Gold Coins on transactions.
BHIM App	Assured cashback per eligible transaction, special campaigns such as JioMart, higher limits, new features, and RuPay Credit Card rewards.
Amazon Pay	Cashback vouchers on recharges, Amazon Pay balance rewards, shopping offers, bill payment incentives, gaming and food gift cards.
CRED	Assured cashback on CRED UPI, CRED Coins, Gems, exclusive rewards, and combined UPI plus RuPay credit card offers.

Source: Official app announcements and December 2025 campaign updates from Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, and CRED.

Google Pay Rewards: Cashback, Scratch Cards, Games

Google Pay continues to attract users with scratch cards, cashback, and game-based events that remain popular among people searching for the best cashback UPI app or the most rewarding UPI app. 

Google Pay rewards work best when you understand its monthly and daily limits. Know your GPay limit

These experiences appear during campaigns such as The Party Unbox and branded promotions with KitKat, Five Star, Sting, and other partners. 

For regular UPI payments such as peer-to-peer transfers, bill payments, and recharges, users earn scratch cards that may give instant cashback or shopping vouchers, which makes Google Pay Rewards one of the most recognised reward formats among UPI apps in India. 

Bigger rewards unlock after completing milestones or meeting offer terms.

Short-term festival games help users collect tokens or complete quiz tasks to win bonus scratch cards, adding a playful layer to digital payments. However, compared with early UPI days, most routine spends result in smaller rewards or better luck next time cards.

Paytm Cashback Rewards

Paytm’s UPI rewards are tied to its wider ecosystem that includes wallet, banking, investing, and online commerce. Users earn Paytm Rewards in the form of Cashback Points on UPI payments, recharges, bill payments, and travel bookings. 

These reward points can be redeemed for brand vouchers, subscriptions, and sometimes converted into Paytm Balance, which makes the app appealing to users searching for the best UPI earning app or a reliable UPI rewards app.
 

In 2025, Paytm also promotes offers for adding a bank account, activating auto pay, and using wealth products such as mutual funds and digital gold, while Gold Coins style loyalty points reward frequent payments. Many rewards require a minimum spend or specific merchant use, so although Paytm has a wide range of redemption options, not every user finds the process equally simple.

PhonePe Rewards: SuperCoins and Predictable Benefits

PhonePe offers predictable cashback rewards through its structured system of SuperCoins and direct cashback, which makes it a major name among users compared to which UPI app gives more cashback. 

SuperCoins are earned on recharges, bill payments, and merchant UPI payments, and can be exchanged for vouchers, streaming subscriptions, and shopping discounts. 

PhonePe also runs seasonal offers, grocery deals, and electricity bill discounts, and its Refer and Earn programme gives users extra cashback or SuperCoins when invited users complete their first eligible transaction. 

BHIM App: Minimalist with Occasional Boosts

BHIM remains a simple, reliable app focused on secure digital payments without heavy gamification. Its clean interface appeals to users who want straightforward UPI payments rather than ongoing cashback rewards. 

However, BHIM does participate in seasonal government campaigns and merchant tie ups, which occasionally offer cashback vouchers or small reward benefits during peak periods in December 2025.

BHIM is linked to the Unified Payments Interface (UPI) backbone, allowing transactions across all UPI-enabled banks. This means you can link accounts from different banks to the app and send/receive money to anyone on UPI, regardless of their bank.

Other UPI Apps in India: CRED and Amazon Pay Rewards
 

Amazon Pay builds its reward system around the Amazon shopping platform, offering Amazon Pay Balance, cashback vouchers, and special offers on groceries, utilities, and DTH payments. 

This makes it useful for users who want UPI rewards that naturally integrate with their shopping cart. Many people also compare Amazon Pay while evaluating the best UPI app for cashback because its offers are predictable during sale events and festival seasons.

CRED focuses on premium users and provides assured cashback on high value payments, along with CRED Coins and Gems that can be redeemed for luxury brand offers, travel perks, and curated experiences. With UPI on credit and RuPay based options, reward stacking becomes possible, which helps CRED stand out in the space of most rewarding UPI apps. 

Pick the Best UPI App Based on What You Want

While all UPI apps offer the same basic features for sending and receiving money, the UPI app rewards systems are very different.

• Google Pay and PhonePe are great for users who enjoy games and frequent small rewards.
• Amazon Pay and CRED are good for specific use cases, such as shopping on Amazon or paying credit card bills.
• Paytm is best for those who already use many of its other services and want more options through one app.
• BHIM is ideal for users who want simplicity.
  

If rewards matter to you, the smartest way is to use different apps for different tasks. For instance, you can use one for bill payments and another for shopping. That way, you can get the maximum benefits from all platforms.

UPI App Rewards: FAQs

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