10 Best Cashback UPI Apps in India 2025

What is UPI?

With the rise of digital payments, India has become a cashless economy, for which the Unified Payment Interface (UPI) has been an integral part, making India go cashless. 

With UPI (Unified Payments Interface) reshaping how India transacts, it’s now easier than ever to earn rewards every time you pay. Thanks to the rise of UPI Cashback Apps, users can get cashback on UPI payments by simply linking their credit or debit cards, especially Rupay cards.

But with countless apps offering various deals, choosing the best UPI for cashbacks can be overwhelming. From daily rewards to scratch cards and exclusive partner offers, each app comes with its perks. Whether you’re paying utility bills, shopping online, or just splitting lunch with friends, selecting the best UPI app for cashback ensures you make the most of every transaction.

UPI apps such as Paytm, Google Pay (GPay), PhonePe, Amazon Pay, and BHIM have made payments easier. While providing cashback. Especially with machinery payment transactions, the cashback and discounts can provide additional savings. However, the risk of fraud is rapidly increasing. Therefore, it is highly important to choose a safe app that has a high cashback percentage, if possible.

Why UPI Cashback Apps are a Game Changer

UPI cashbacks have enhanced the flow of digital payments in the economy, making it smooth and hassle-free. So basically, cashback is used by UPI apps nowadays to make the customer or app user stick to you, which means they continuously keep on using your cashback UPI apps.

Cashbacks are nothing but an amount that users or UPI app users receive at the time of making transactions. Cashbacks act as an incentive for using UPI apps for making online payments. Cashback on UPI apps helps to lower the cost of regular payments.

 Financial Benefits (Fixed vs Percentage – When Each Makes Sense)

When exploring the best UPI cashback apps, you’ll often come across two primary reward types: fixed cashback and percentage-based cashback. Each format has its advantages, depending on your transaction type.

• Fixed Cashback is great for small, frequent transactions such as mobile recharges, utility bill payments, or food orders. Apps like Paytm and Amazon Pay often offer fixed amounts (₹10 – ₹50) as cashback, which helps in earning quick rewards even for low-value payments. (Cashbacks depend on numerous factors, please read the T&C)
• Percentage-Based Cashback, on the other hand, benefits high-value spenders. If you’re making larger purchases like electronics or paying for services via credit cards linked to UPI, a percentage (say, 5 – 10%) gives better returns.

Choosing the best UPI app for cashback involves identifying your spending patterns and matching them with apps that offer the right cashback format to efficiently receive cashback on UPI payments.

Convenience & Security (Instant, Paperless, Bank-Grade Safety)

Today’s top UPI cashback apps offer not only attractive rewards but also high levels of convenience and security. The ability to make instant, paperless transactions is now standard, but the best apps go a step further.

• Apps like Google Pay and PhonePe ensure bank-grade encryption to secure your money.
• Many UPI apps let you link your RuPay credit cards directly for seamless payments while still earning cashback.
• Biometric authentication, app lock, and tokenized card support enhance trustworthiness.

Choosing the best UPI for cashbacks means picking an app that balances reward programs with top-tier security, ensuring peace of mind with every tap.

Common Cashback Formats (Scratch Cards, Wallet Credit, Direct Bank Credit)

How you receive your cashback can vary based on the UPI cashback app you’re using. Here’s a breakdown of common formats:

• Scratch Cards: Popular on Google Pay and PhonePe, these offer gamified rewards where you can earn random cashback amounts after completing a UPI payment.
• Wallet Credit: Apps like Paytm and Amazon Pay often credit cashback directly to your in-app wallet. This can then be used for recharges, shopping, or bill payments.
• Direct Bank Credit: Some best UPI apps for cashback, especially government-backed ones like BHIM, deposit cashback straight into your bank account, offering maximum liquidity.

Understanding how cashback is delivered helps you choose the best UPI cashback app for your specific needs, whether you want instant gratification or flexibility in spending your rewards.​​

How We Chose These 10 Apps (cashback rate & limits, merchant coverage, app stability, settlement speed

Choosing the right UPI app isn’t just about convenience; it’s also about maximizing your savings. That’s why we evaluated dozens of apps to bring you the best ones offering genuine value in terms of UPI cashback offers, app performance, and user experience. Here’s what went into our selection process:

1. Cashback Rate & Limits

Here, when we have finalized to choice of the best cashback UPI apps, we have prioritized apps that offer attractive cashback on UPI payments, not just for first-time users, but for regular transactions as well. The best UPI apps consistently reward users with daily, weekly, or event-based cashback schemes, scratch cards, or referral bonuses. We also looked closely at the minimum transaction values required and whether there were caps or limits on rewards, helping you understand how to earn cashback with UPI more effectively.

2. Merchant & Category Coverage

A wider network of merchants means more ways to save money using UPI apps. Our top picks support transactions across grocery stores, restaurants, fuel stations, travel portals, and online retailers. The more categories an app supports, the higher your chances of grabbing UPI app deals and offers on the go, whether you’re paying rent, utility bills, or shopping during mega sales.

3. App Stability & User Experience

Cashback is only valuable if the app is stable and reliable. We factored in app ratings, performance updates, and real user feedback to ensure you won’t face lags, crashes, or failed payments. Our selected UPI apps deliver smooth and secure transactions, making your savings journey hassle-free.

4. Payout & Settlement Speed

What good is cashback if it’s delayed or never arrives? We ranked higher those apps that process cashback settlements quickly, whether it’s via wallet credits, direct bank transfers, or redeemable vouchers. Fast processing of rewards makes it easier for you to track your UPI cashback offers and enjoy real-time benefits.

By using these parameters, we’ve handpicked the best UPI apps to save money while ensuring you enjoy a secure and smooth payment experience. Whether you’re new to digital payments or a savvy saver, these apps offer a smart way to get rewarded every time you transact.

 10 Best UPI Cashback Apps in India

Google Pay (GPay) – Gpay Cashback Offers – Fast, Secure & Rewarding for Everyday.

Google Pay (GPay), designed by Google, is known for its sleek interface, high-speed transactions, and robust security features. But what also makes it a part of the Best UPI Cashback Apps list is its rewarding cashback ecosystem that benefits everyday users through UPI cashback offers, digital scratch cards, and referral rewards.

How Google Pay Offers Cashback and Rewards

• With every eligible UPI transaction, especially on merchant payments, bill payments, and recharges, users receive digital scratch cards that may unlock instant cashback, often starting from ₹21 or more.
• GPay supports RuPay card-based UPI transactions, which frequently come with exclusive cashback offers on select transactions.
• Its referral program offers cashback to both new users and referrers once the first successful transaction is completed.
• With the help of UPI Lite, users can now make payments up to ₹1,000 without entering a PIN, making it faster and ideal for small merchant or machinery-related purchases, and still be eligible for scratch card rewards.
• Though cashback offers on Google Pay are slightly more limited compared to apps like Paytm, they are regular enough to make a difference for users who transact frequently.

Want to double your rewards on Google Pay? Then discover the best cashback and reward offers on Google Pay Task well Maximize your savings using the Best UPI Cashback App!

Why GPay Is the Best UPI for Cashbacks

• Integrated with the Google ecosystem, making it easy to track your rewards and transaction history.
• AI-driven fraud protection and biometric login ensure safe usage, an essential feature for any cashback UPI app in India.
• Compatible with both smartphones and smartwatches, providing flexibility and accessibility.
• Often used by small businesses and service providers for seamless payments, with the added benefit of cashback on eligible UPI spends.

Whether you’re paying a vendor, recharging your phone, or splitting a bill, GPay delivers a clean, fast, and safe experience with regular cashback perks. It’s a solid option in the list of best UPI apps to earn cashback in India, especially for users who value Google’s ecosystem and transaction security.

2.  PhonePe – A Feature-Rich UPI App with Predictable Cashback & Rewards

PhonePe is widely recognized as one of the most reliable and accessible cashback UPI apps in India, especially for users in tier 2 and tier 3 cities. With robust infrastructure and Flipkart-backed credibility, PhonePe has evolved into a super app that blends seamless UPI payments with a rich bouquet of financial services.

Get Cashback on UPI and save more with Zingoy’s exclusive PhonePe gift cards! What truly makes it stand out as one of the Best UPI Cashback Apps is its well-structured reward ecosystem offering a mix of cashback, SuperCoins, discount vouchers, and ongoing UPI-based deals.

How PhonePe Offers Cashback and Rewards

• Earn cashback on UPI payments through digital scratch cards and promo offers on everyday transactions like recharges, bill payments, and merchant QR scans.
• Unlock SuperCoins, a proprietary reward currency, on selected transactions. These coins can be redeemed for gift vouchers, shopping discounts, and more from partner platforms.
• Participate in limited-time UPI cashback offers, such as “₹20 off on your first electricity bill” or grocery discounts at local stores.
• The app continues to offer a solid Refer & Earn program, invite friends to PhonePe, and receive bonus cashback or SuperCoins once they complete their first transaction.

PhonePe provides a more predictable and consistent cashback experience, making it one of the best UPI apps for cashback seekers. Get cashback on UPI with Zingoy’s exclusive PhonePe Gift Cards for extra savings!

Why PhonePe Is a Top UPI App to Save Money

• Frequently used by machinery vendors and service providers in mid- and small-sized cities due to its high transaction success rate.
• Compatible with UPI, debit/credit cards, and PhonePe Wallet—ensuring flexible payment modes.
• Popular branding (including regional language support and Devanagari logo) makes it a go-to choice for local businesses.

Pros and Cons of PhonePe

PhonePe remains one of the best UPI apps for cashback in terms of stability, reward predictability, and merchant accessibility. It may not always top the charts in raw cashback value, but for everyday use, especially in smaller markets, it offers a dependable and rewarding UPI payment experience.

3. Paytm – Versatile, Reward-Rich & Perfect for Everyday Cashback

For many users in India, Paytm was their first digital payment experience, making it one of the most recognized and widely used UPI cashback apps in the country. Known for its massive merchant network, both online and offline, Paytm remains a go-to app for machinery vendors, local merchants, and retail users alike.

From cashback games to seamless QR code payments, Paytm blends familiarity with innovation, making it a strong contender for the Best UPI app for cashback in 2025. 

How Paytm Delivers on Cashback & Rewards

• Earn up to ₹3,000/month in UPI cashback offers for completing recharges, bill payments, and shopping via Paytm Mall.
• New users get ₹100 assured cashback for linking and using UPI for the first time.
• Frequent cashback offers for movie tickets, bus bookings, flight tickets, and QR code merchant payments.
• Exclusive deals for RuPay credit card users, including flat cashback and milestone rewards.
• Paytm Wallet & Paytm Postpaid make large transactions more manageable with added flexibility.
• Past promotions even included gamified rewards users earned cashback by collecting virtual items through regular transactions.

Why Paytm Is Among the Best UPI Cashback Apps

• Ideal for small businesses, shopkeepers, and machinery suppliers due to strong support for offline payments.
• Supports a wide range of financial services: insurance, gold investment, mutual funds, and even gaming.
• Multiple bank partnerships (e.g., SBI, HDFC, Axis, YES Bank) ensure smooth UPI operations and compatibility.
• Cashback campaigns are often structured for high-frequency users, giving you a better return when using UPI multiple times daily.

Pros and Cons

Paytm remains one of the Best UPI Cashback Apps in India, thanks to its versatility, reward-rich ecosystem, and reliability. Whether you’re paying your electricity bill, booking tickets, or settling invoices with a local vendor, Paytm offers a consistent cashback experience, making your everyday transactions more rewarding.

4. CRED App – Get Rewarded for Paying Credit Card Bills on Time

CRED stands out among UPI and financial apps in India by focusing on credit card repayment rewards. Unlike traditional UPI apps that give cashback for every transaction, CRED rewards users for financial discipline, specifically, for paying credit card bills on time.

While it’s not a conventional cashback UPI app, it does offer cashback, vouchers, and exclusive rewards through a unique coin-based system, positioning itself as one of the best reward apps for financially savvy users.

How CRED Offers Cashback & Rewards

• When you pay your credit card bill through the app, CRED Coins are credited to your account.
• You can redeem CRED Coins for a variety of benefits, including:
  • Cashback rewards (via lucky draws or “Kill the Bill” contests)
  • Exclusive brand deals and shopping discounts
  • Premium experiences, subscriptions, and gift vouchers
• Frequent campaigns such as “Pay & Win” and “Jackpot” provide users the opportunity to earn direct cashback into their bank account or wallet.
• Users with CRED’s UPI feature can also access select merchant offers, including instant discounts and coin-backed cashback for utility or rental payments.
• CRED has also introduced CRED Flash and CRED Pay, which streamline checkout and reward experiences across partner platforms.

Here’s how Zinogy can help you earn cashback and rewards on Cred.

Pros and Cons of Cred App

CRED is one of the best cashback and reward platforms in India. While it may not provide traditional UPI cashback offers like PhonePe or Paytm, it offers real value for users who pay bills on time, making it a smart addition to your savings strategy.

5. BHIM – Discover Cashback and rewards from the BHIM UPI app

BHIM (Bharat Interface for Money), developed by NPCI, is a minimalistic and secure UPI app that prioritizes reliability over flashy features. Launched as one of India’s first UPI platforms, BHIM has consistently delivered a no-nonsense digital payments experience, especially suited for users seeking safe and functional UPI payments, particularly for tasks like machinery purchases and vendor transactions.

How BHIM Offers Cashback

• Though not reward-heavy, BHIM has been known to run periodic cashback programs, especially tied to government initiatives.
• Typical cashback ranges from Rs. 2 to Rs. 4, generally provided on every 3rd or 4th UPI transaction, especially for small ticket-size payments like utility bills or low-value merchant spends.
• Cashback, when available, is usually credited directly to the linked bank account.
• Campaign-based UPI cashback offers (e.g., for using RuPay UPI or first-time user rewards) may be rolled out seasonally.

BHIM’s rewards are modest but consistent, offering steady savings for users who prefer functionality over frequent cashback schemes. Maximize your savings on BHIM UPI payments and get ready to get Cashbacks on UPI with the best cashback app via Zingoy!

Why BHIM Still Matters

• No ads, no clutter. BHIM is perfect for those who dislike apps overloaded with offers, banners, or third-party services.
• Its clean interface and high success rate make it ideal for users transacting with local vendors or machinery suppliers in semi-urban and rural areas.
• Unlike most private cashback UPI apps in India, BHIM doesn’t push mutual funds, gold investments, or credit lines; it’s built purely for UPI transfers, bill payments, and merchant QR code scanning.

Pros and Cons of the BHIM App

While it may not top the list of the best UPI apps for cashback, BHIM earns points for transparency, security, and rock-solid reliability. For users, especially RuPay cardholders or machinery suppliers, who prefer government-certified platforms with fewer frills and occasional UPI cashback offers, BHIM delivers exactly what’s needed: safe, simple, and consistent digital payments.

6. Amazon Pay UPI – Best for Amazon Shoppers & Fast Checkout Rewards

Amazon Pay is more than just a payment gateway for your Amazon orders — it’s a full-fledged UPI-enabled payment platform that offers seamless transactions, exciting offers, and regular UPI cashback rewards. If you frequently shop on Amazon or prefer quick, app-integrated payments, Amazon Pay stands out as one of the best UPI apps for cashback in the e-commerce space.

How Amazon Pay Offers Cashback & Rewards

• Enjoy UPI cashback offers on bill payments, mobile recharges, and shopping transactions during promotional periods.
• Campaigns often offer ₹200 – ₹500 cashback on eligible payments or multiple UPI transactions.
• Users can collect and apply digital coupons to earn discounts and instant cashback on selected purchases.
• Special promotions include rewards like Rs. 250 Amazon gift cards for tap-and-pay transactions using NFC.
• Amazon Pay also supports Buy Now, Pay Later and Amazon Pay Later features, offering financial flexibility along with savings.
• Cashback is typically credited directly to your Amazon Pay balance, which can be reused for future transactions or purchases.

Get exclusive savings with Zingoy’s Amazon Pay deals and Get Cashback on UPI payments!

Why Amazon Pay Is a Top Cashback UPI App

• Ideal for Amazon Prime members and regular Amazon shoppers who want to maximize returns on daily spending.
• One-click checkout makes recharges and payments lightning fast — no need to switch apps or re-enter UPI credentials.
• Widely used for bill payments, recharges, OTT subscriptions, and even insurance purchases.
• Strong emphasis on security with end-to-end encryption and Amazon’s built-in fraud detection systems.

Pros and Cons of Amazon Pay

7. Super.money – Real Cashback, No Gimmicks

Super. Money has quickly gained popularity among users looking for real cashback on UPI payments, not just vouchers or reward coins. It’s one of the most straightforward and transparent UPI apps to save money, offering actual bank credit as cashback for every eligible transaction. For those tired of scratch cards and promo codes that rarely win, Super. Money delivers consistent, no-nonsense rewards, making it a strong contender for the Best UPI app for cashback in 2025.

How Super. Money Offers Cashback

• Flat cashback up to 5% on every UPI transaction, irrespective of the amount or category.
• No minimum spend requirement and no gimmicks like coins or vouchers, your cashback is credited directly to your bank account.
• RuPay credit card integration gives an extra layer of rewards, including:
  • 2% cashback on UPI merchant payments
  • 3% milestone cashback for annual spends exceeding Rs. 1.5 lakh.
• Offers a Rs. 250 joining bonus via referral links for new users.
• Built-in QR code scanning, P2P transfers, and plans for credit cards and personal loans are coming soon.

Pros and Cons of Super.money

Why SuperMoney Ranks Among the Best UPI Cashback Apps

If your goal is to earn real cashback on every payment without the confusion of coins, offers, and scratch cards, Super. Money is a must-try. While it’s a newer player and still evolving, its user-first approach, transparent rewards, and frictionless payment experience make it one of the most promising cashback UPI apps in India today.

8. Kiwi – One of the Best Cashback UPI Apps in India

When it comes to cashback UPI apps in India, Kiwi stands out as a modern, user-centric platform that rewards you every time you pay. Designed to combine the power of UPI with credit card functionality, Kiwi helps users save money on every UPI transaction, not just with convenience, but with real cashback rewards.

How Kiwi Offers Cashback on UPI Payments

Kiwi is India’s first app that allows users to link their RuPay credit card with UPI, enabling them to make payments using a credit line and still qualify for UPI cashback offers. Here’s how Kiwi helps you maximize every rupee you spend:

• Flat Cashback on Credit-Based UPI Payments: Kiwi rewards you with up to 1–2% cashback when you use your linked RuPay credit card for UPI merchant payments. This applies to payments made at grocery stores, restaurants, fuel stations, and even machinery vendors.
• Zero Interest Period: Unlike debit-based UPI apps, Kiwi lets you make payments using your credit card via UPI and enjoy a zero-interest repayment window. That’s not just cashback, it’s smart financial management.
• No Coupon, No Scratch Card Gimmicks: With Kiwi, your cashback is transparent and credited directly to your credit card account, not hidden behind promo codes or gamified scratch cards.
• Seamless Bill Payments & Merchant Transactions: Whether you’re paying utility bills, buying groceries, or paying rent, Kiwi ensures you earn cashback on UPI payments wherever RuPay is accepted.

Get Cashback on UPI with a flat Rs. 1,600 rewards from Zingoy’s Kiwi Cards offer! 

Why Kiwi is One of the Top UPI Apps to Save Money

• Cashback + Credit Benefits: Most UPI cashback apps only reward debit-based transactions. Kiwi combines both: UPI app deals and offers + credit card cashback.
• Instant Setup, Bank-Grade Security: Sign up, link your RuPay credit card, and start transacting in minutes, backed by secure UPI architecture.
• Real Savings: With Kiwi, your everyday expenses turn into tangible cashback returns, making it one of the smartest UPI apps to save money in 2025.

9. Kotak Mahindra Bank UPI App – Earn Cashback on UPI Payments Effortlessly

When talking about Cashback UPI apps in India, Kotak Mahindra Bank has made a strong mark by offering smart UPI cashback offers through its digital platforms like Kotak Mobile Banking App and Kotak Pay. With a focus on secure and rewarding transactions, Kotak’s UPI apps help users save money on daily payments, whether you’re shopping online, paying bills, or transferring funds.

How Kotak UPI Offers Cashback

Kotak Bank has partnered with RuPay credit cards and launched innovative cashback campaigns to reward users for UPI-based payments. Here’s how it works:

• 1 – 2% Cashback on UPI with RuPay Credit Cards: When users link their Kotak RuPay credit card with UPI and make merchant payments, they receive flat cashback on eligible spends, directly reducing their overall out-of-pocket expense.
  
• Special UPI Cashback Offers: Kotak periodically rolls out limited-time UPI app deals and offers, such as:
  
  • Rs. 50 cashback on your first UPI payment via RuPay card.
  • Cashback up to Rs. 200 for recharges, bill payments, and QR code-based merchant payments.
  • Extra rewards during festive sales or partner merchant campaigns.
    
• No Extra App Needed: Just use the Kotak Mobile Banking App, link your RuPay credit card, activate UPI, and start earning cashback on UPI payments instantly.
• Secure, Instant Transactions: With built-in bank-grade security, biometric login, and real-time transaction alerts, Kotak ensures your cashback experience is safe, seamless, and rewarding.

Why Kotak Is Among the Best UPI Apps to Save Money

• Dual Advantage: Earn UPI cashback offers while also enjoying the credit card benefits like interest-free periods and credit limits.
• Easy Access: No need to download third-party apps to manage payments, track cashback, and control spending via the Kotak mobile app.
• Direct Cashback: Unlike many apps that rely on scratch cards or coupons, Kotak deposits your UPI cashback directly to your card or bank account, offering true savings.
• Trusted Bank-Backed Ecosystem: With Kotak, you get reliability, wide acceptance, and exclusive cashback offers tailored to your transaction habits.

Kotak Mahindra Bank’s UPI App is a Smart Way to Save

If you’re looking for UPI apps to save money without switching to non-banking third-party apps, Kotak Mahindra Bank’s UPI integration is a perfect choice. With real cashback on UPI payments, especially via RuPay credit cards, and periodic UPI app deals and offers, Kotak makes your everyday digital transactions secure, rewarding, and cost-effective. Get Cashback on UPI with Zingoy’s Kotak Credit Card offers and enjoy instant savings!

10. PayZapp by HDFC Bank – Trusted UPI App to Save Money & Earn Cashback

When exploring Cashback UPI apps in India, HDFC Bank’s PayZapp emerges as a secure and feature-rich app that brings real UPI cashback offers to both new and existing users. Integrated with UPI and card-based payments, PayZapp offers a smart way to manage your spending while earning cashback on UPI payments across shopping, bills, recharges, and more.

How PayZapp Offers Cashback on UPI Payments

PayZapp isn’t just a digital wallet; it’s HDFC Bank’s all-in-one solution for UPI, bill payments, and online shopping. What makes it stand out is the variety of UPI cashback offers regularly updated on the app’s official offers page.

Key Features of PayZapp Cashback:

• Flat Cashback on UPI Spends: Get up to Rs.. 250 – Rs. 500 cashback on UPI payments when transacting with selected partners like Zomato, Swiggy, Flipkart, Myntra, and BigBasket.
• Cashback on Bill Payments: Earn cashback when paying for electricity, DTH, broadband, and mobile recharges via UPI within PayZapp.
• Credit Card-Linked UPI Offers: Link your HDFC RuPay credit card to UPI within PayZapp to enjoy dual benefits, credit rewards + UPI cashback.
• First-Time User Bonuses: New users often get exclusive ₹25–₹100 cashback on their first UPI transaction or bill payment.
• Special Festival Campaigns: During Diwali, Independence Day, or Big Billion Days, PayZapp launches limited-period offers like “Spend ₹1,000 and get ₹150 cashback via UPI.”

Cashback is typically credited back to your PayZapp wallet or directly to your linked account, depending on the offer structure.

Why PayZapp Is Among the Best UPI Apps to Save Money

If you’re hunting for UPI apps to save money, PayZapp delivers on all fronts: security, speed, and savings. It’s ideal for users who already have an HDFC account or use HDFC credit cards, but it’s equally powerful for all UPI users thanks to its open-loop acceptance.

UPI App Deals and Offers: Where to Find Them on PayZapp

Categories you’ll find cashback deals in:

• Mobile & DTH Recharge
• Grocery Apps like BigBasket
• Food delivery (Swiggy, Zomato)
• Travel (MakeMyTrip, IRCTC)
• Lifestyle & Shopping (Amazon, Flipkart, Myntra)

These deals rotate monthly, so check back regularly for the latest UPI cashback offers. 

Maximize PayZapp UPI payments with Zinogy’s PayZapp offers.

Why PayZapp is a Smart UPI App for Cashback in India

With consistent cashback promotions, integration with HDFC cards, and real-time UPI rewards, PayZapp secures its spot as one of the best Cashback UPI apps in India. Whether you’re topping up your mobile, shopping online, or paying your electricity bill, PayZapp helps you save more with every transaction. 

How Zingoy cashback can help in UPI cashback earning:

If you’re already using UPI apps like Google Pay, PhonePe, Paytm, or Amazon Pay to earn cashback on digital transactions, Zingoy can take your savings a step further. Zingoy is a cashback and coupon platform that helps users maximize their UPI earnings when shopping, recharging, or making payments online. Here’s how:

1. Earn Extra Cashback Over UPI Payments

When you shop through Zingoy’s partner links (Flipkart, Myntra, Ajio, Blinkit, etc.) and complete your payment using UPI apps:

• You earn UPI app rewards like scratch cards or promo cashback.
• You also earn Zingoy cashback on top of it, credited to your Zingoy wallet.

That means you’re stacking two types of cashback on the same transaction!

2. Exclusive UPI Cashback Deals & Coupons

Zingoy often features special UPI-only offers, such as:

• Additional cashback on UPI recharges or bill payments.
• Bonus rewards on gift card purchases paid via UPI.
• Exclusive coupons that trigger cashback when UPI is used as the payment method.
• These deals are curated to help you save more when using UPI.

3. Redeem Cashback Easily

The cashback you earn via Zingoy can be:

• Transferred to your bank account.
• Used to buy discounted vouchers from top brands.
• Applied toward more UPI-based shopping or payments.

So, in essence, your Zingoy earnings become cashback you can reuse across platforms.

Discover the magic of UPI + Zingoy = Smarter Savings

If you’re someone who regularly shops online or pays bills via UPI, Zingoy helps you double-dip on cashback. You not only get cashback on UPI payments through your app, but also earn additional Zingoy rewards for the same transaction. It’s one of the best ways to maximize cashback on UPI in 2025. So don’t just stop at one app, combine Zingoy with UPI and save smarter! Ready to save more? Get cashback on UPI, earn rewards on every payment, and choose the Best UPI Cashback App that matches your lifestyle. 

FAQs on UPI Cashback Apps