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. Their speed and ease of use have made them the top choice for sending and receiving money. But there’s more. To keep users coming back and encourage more transactions, most UPI apps now offer a range of rewards.
Which UPI app gives more cashback?
Transferring money is a basic feature on all UPI platforms, but the rewards system varies from app to app. Let’s explore what Google Pay, PhonePe, Paytm, BHIM, and others are offering users in 2025.
UPI Apps Reward- 2025
| UPI App | Type of Rewards |
| Google Pay | Scratch cards, cashback, games |
| PhonePe | SuperCoins, cashback, referral bonuses |
| Paytm | Cashback points, vouchers, brand offers |
| BHIM App | Occasional rewards during govt campaigns |
| Amazon Pay | Cashback vouchers, Amazon Pay balance |
| CRED | CRED Coins, Gems, cashback |
Google Pay: Cashback, Scratch Cards, and Fun Games
Google Pay keeps users hooked with rewards like scratch cards, cashback, and fun games. For sending money, paying bills, or doing mobile recharges, users earn scratch cards. These cards might offer instant cashback or shopping vouchers.
Some high-value rewards are unlocked when users reach certain goals. Apart from this, Google Pay also runs limited-time games like “Go India” or “Holi Quiz,” where users collect tokens or answer questions to win prizes.
The rewards are usually given as cashback directly to your bank account or as vouchers for shopping. But, it’s worth noting that the value of rewards has reduced over the years. Many users now get low-value or even empty scratch cards on regular spending.
Before earning rewards, see the GPay limit per day here!
Paytm: Rewards from a Wide Range of Services
Paytm’s UPI rewards are linked to its larger range of services, which makes the reward options very wide. You get Paytm Cashback Points as rewards, and these can be used to get vouchers, discounts, or even movie tickets directly from the app.
It doesn’t stop there. Paytm also gives rewards for actions like adding your bank account, setting up auto-pay for bills, or investing through its wealth services like mutual funds and gold savings.
Plus, Paytm’s “Mini App Store” offers special deals when users make payments at partner brands using Paytm UPI.
However, the rewards often come with conditions. For example, you may be required to spend a certain amount or shop with specific brands. So while there’s a lot on offer, not everything is easy to redeem.
PhonePe: SuperCoins and Cashback for Every Spend
PhonePe has its own well-structured rewards system. It offers a mix of cashback and something called SuperCoins. This is a virtual currency that users earn on transactions like recharges, bill payments, or payments to merchants.
How much you earn depends on the type and amount of payment. Users can then use these SuperCoins to claim offers and gift vouchers from partner apps and websites.
PhonePe also runs limited-time offers, like ₹20 off on your first electricity bill or discounts at grocery stores using UPI. And its “Refer and Earn” feature still works. When you invite friends to PhonePe, you can earn cash or coins.
Compared to Google Pay, PhonePe offers more predictable rewards, while Google Pay’s rewards feel more like surprises.
BHIM App: Clean, Simple, and Functional
The BHIM app, created by the NPCI (National Payments Corporation of India), is more focused on doing the job right. It offers a simple sending and receiving money feature.
That said, BHIM sometimes takes part in government-run campaigns like “Digital Payment Utsav.” During these events, users may get rewards for using UPI a lot.
But on a regular basis, BHIM doesn’t give cashback or vouchers. Instead, it is known for being quick, reliable, and free from ads. It’s a great option for people who want a no-nonsense UPI app.
Other UPI Apps: CRED and Amazon Pay
Some other apps also reward UPI users, especially those who are already using their platforms regularly.
Amazon Pay gives users Amazon Pay balance or cashback vouchers when they use UPI to pay for things like groceries, bills, or shopping on Amazon.
CRED, on the other hand, is more premium. It gives cashback or rewards for paying credit card bills via UPI. Users earn CRED Coins and Gems, which they can use to get deals on luxury brands or lifestyle products.
Pick Your 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
UPI app rewards are gifts, cashback, or points you get for using UPI apps like Google Pay, PhonePe, or Paytm. These rewards can include cashback, scratch cards, or discount vouchers for your next purchase or payment.
UPI rewards are offered when you make payments using your bank account via UPI apps.
Google Pay rewards usually come as scratch cards when you send money, pay bills, or do mobile recharges. If you’re lucky, you can win cashback directly into your bank account.
Rewards points are virtual points you collect every time you use a UPI or wallet app. Apps like Paytm and CRED let you use these points for vouchers, discounts, or even movie tickets. Each app has its own system and rules.
Some of the top UPI apps in India are Google Pay, PhonePe, Paytm, Amazon Pay, CRED, and BHIM. Each one offers different features and rewards. You can choose based on what services and cashback offers are important for you.
Digital payments are fast, easy, and safe. With UPI, you don’t need to carry cash. You can use your phone to pay. Plus, you get rewards, cashback, and special deals, making it even more useful.
Cashback vouchers are digital coupons you earn after a payment. You can use them later to get money back when you shop or pay bills through the app. They usually have a validity period and may work only with partner brands.
Yes, UPI payments are secure and encrypted. And yes, they often offer rewards like cashback, scratch cards, or discount codes.
PhonePe offers rewards like cash back or scratch cards when you send money, pay bills, or recharge your phone. Rewards are credited to your wallet or bank account and may come with terms.
Source: MoneyControl
______________________________________________________________________________________
Disclaimer: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.