UPI App Rewards Comparison 2025: Because UPI applications are quick and simple to use, they have become the preferred digital payment option in India. The well-known UPI applications provide a range of incentives to keep users interested and encourage them to make larger transactions, from cashback and scratch cards to loyalty points and exclusive offers. Despite the fact that money transfers are a basic function that all platforms offer, reward schemes differ greatly. Here are Google Pay, PhonePe, Paytm, and BHIM, the Best UPI apps in 2025.
UPI App Rewards Comparison 2025
Google Pay: The cornerstones of Google Pay’s reward program include scratch cards, cashback, and promotional games. Customers get scratch cards that can contain rewards or vouchers for eligible transactions such as money transfers, bill payments, or cellphone recharges. Some high-value incentives are activated when payment “milestones” are reached, such five payments in a week.
Periodically, the GPay app offers games like “Go India” and “Holi Quiz” where users may collect tokens or respond to questions to win rewards. Usually, the incentive is given as shopping vouchers or transferred as cashback into the linked bank account. However, over time, the frequency and amount of incentives have steadily decreased, and many customers now receive scratch cards with minimal value or no cashback on their frequent purchases.
PhonePe: SuperCoins, a virtual currency that can be used to redeem deals and gift cards from partner sites, and cashback are both provided via PhonePe’s more official rewards program. Each recharge, bill payment, and merchant payment earns users a certain number of SuperCoins, which is contingent on the kind and amount of payment.
PhonePe also offers temporary cashback incentives, including ₹20 off your first electricity bill or lower grocery UPI purchases. Its “Refer and Earn” program, which offers cash or coins for referring new clients, is still in operation. Compared to PhonePe, Google Pay’s incentives are more focused on surprises rather than value consistency.
Paytm: Paytm’s rewards program is extensive and varied due to the integration of UPI capability with its larger service ecosystem. Consumers receive payback in the form of Paytm payback Points, which they can exchange on the app for coupons, discounts, or movie tickets.
Paytm offers comparable incentives to users who open bank accounts, set up bill autopay, or invest in its wealth offerings, which include gold savings and mutual funds. Its “Mini App Store” offers exclusive advantages to customers who use Paytm UPI to pay at specific brands.
Even while Paytm offers a very extensive selection of incentives, they also have a lot of coupons that are dependent on things like a minimum payment amount or certain brands. The NPCI-developed BHIM software places less emphasis on gamified prizes and more on functionality.
On occasion, though, it takes part in government-sponsored initiatives like “Digital Payment Utsav,” which rewards consumers who utilize UPI extensively. Although BHIM doesn’t always provide rewards or coupons like private players do, it has a reputation for being easy to use, quick, and ad-free. It’s frequently the go-to choice for those seeking simplicity.
Mobikwik: Although the precise amounts vary, Mobikwik gives cashback and rewards on a variety of transactions. Within the app, they may be used for recharges, bill payments, and other purposes.
POP: Popcoins are the reward points that POP gives. In terms of value, it offers 2% POPcoins on UPI transactions and up to 10% on making online purchases using a RuPay credit card. They may be exchanged for other app incentives. They are made for all kinds of transactions.
Additional apps: Amazon Pay and CRED
Amazon Pay:Users of Amazon Pay may make UPI payments for items like groceries, bills, and products using their Amazon Pay balance or cashback coupons.
CRED: When using UPI to pay credit card bills, CRED offers a premium experience with cashback or perks. It provides “CRED Coins” and “Gems” that may be redeemed for savings on luxury and high-end lifestyle items.
Although UPI applications provide similar basic payment features, the structure and benefits of various rewards programs differ. Customers who enjoy gamified experiences and frequent micro-rewards will be drawn to Google Pay and PhonePe, while Paytm will provide a wider range of ecosystem-related benefits.
The best clients for BHIM are those that value speed and usability over benefits. Combining applications according to the kind of transaction- billing, shopping, or recharges can yield the most cross-platform rewards if incentives are essential to you.
Benefits of the UPI Cashback Offer 2025
Among the many advantages of UPI cashback offers are the following:
- First, you may save money on transactions since the cashback is refunded straight to your bank account linked to UPI, lowering the cost of your purchases. This is particularly alluring if you’re on a limited budget.
- More individuals like you can now take advantage of the ease of online shopping and help create a cashless economy thanks to UPI.
- You may still keep some money in your pocket while making regular purchases thanks to these offers.
- Those who might be hesitant to use digital payment methods may be persuaded to test UPI and discover its many benefits for themselves if they are aware that there are cashback incentives.
