Which UPI App Gives More Cashback in India in 2023?

Which UPI App Gives More Cashback in India in 2023: Cashback has been a popular concept in the Indian digital payments industry for quite some time now, and with the emergence of Unified Payments Interface (UPI) apps, it has only become better. As more and more Indians move towards UPI apps for making digital payments, there is increased competition among companies to offer the best cashback and rewards.

But which UPI app gives more cashback in India in 2023? In this article, we will compare all the leading UPI apps available in India and find out which one offers the highest cashback in terms of money saved. We will also look into other factors such as security, customer service, and ease of use that can help you choose the right UPI app for your needs.

How to get started with a UPI App

If you are looking for a UPI app that gives more cashback in India, there are a few things you need to know. First, you need to have an Indian bank account. Second, your phone must be running on Android 4.4 or higher. And lastly, you will need to download a UPI app from the Google Play Store.

Once you have all of these things, follow the steps below to get started with a UPI app:

1. Open the Google Play Store and search for “UPI apps”.
2. Browse through the list of apps and find one that suits your needs.
3. Download and install the app on your phone.
4. Follow the instructions given by the app to create your UPI ID.
5. Start using the app to make payments and enjoy cashbacks!

Which UPI App Gives More Cashback in India in 2023?

1. What is the process of UPI?

UPI is a real-time interbank payment system that facilitates instant fund transfers between two bank accounts on a mobile platform. The process of UPI is simple and convenient. All you need is a smartphone and an internet connection to send or receive money using UPI.

To send money using UPI, you just need to enter the recipient’s UPI ID or virtual payment address (VPA) and the amount you want to send. The money will be instantly transferred to the recipient’s account without any hassle. Similarly, to receive money using UPI, you just need to share your VPA with the sender and the amount will be credited to your account instantly.

Overall, UPI is a safe, secure, and convenient way to send or receive money instantly.

Google Pay

Google Pay, formerly known as Google Tez, is a mobile payment system developed by Google to make financial transactions more convenient for Indian users. It uses the unified payments interface (UPI) to transfer money from one bank account to another. It also allows users to pay for online purchases with their linked bank account.

Google Pay offers a number of features that make it a convenient and safe way to transact. For example, it allows users to set up a pin or fingerprint sensor to access their account, and it also offers two-factor authentication for added security. Moreover, all transactions made through Google Pay are backed by the Government of India’s UPI infrastructure, which ensures that funds are transferred securely and quickly.

One of the main advantages of using Google Pay is that it offers cashback on certain transactions. For instance, users can get up to Rs. 151 cashback when they make their first transaction using Google Pay. Additionally, users can also earn up to Rs. 1,000 cashback when they refer friends to use Google Pay.


PhonePe is one of the most popular UPI apps in India. It offers a wide range of features and cashback offers to its users.

Some of the best cashback offers on PhonePe include:

1. Get 20% cashback on your first five transactions.
2. Get 10% cashback on recharge and bill payments.
3. Get 5% cashback on DTH and utility bill payments.
4. Get 2% cashback on all other transactions.

PhonePe offers several types of cashbacks and discounts on various transactions. For example, you can get up to 20% cashback on electricity bill payments, up to Rs. 100. You can also get 5% cashback on adding money to your PhonePe wallet, up to Rs. 500. In addition, you can earn interest on the balance in your PhonePe wallet at the rate of 4% per annum.

Amazon Pay

Amazon Pay India, Amazon Pay offers the most cashback on UPI transactions. With Amazon Pay, you can get up to Rs.500 cashback on your first UPI transaction and up to Rs.100 cashback on every subsequent UPI transaction. You can also use Amazon Pay to make recharges and bill payments, and you’ll get up to 10% cash back on these transactions as well.


BHIM UPI is a digital payments platform that allows you to make instant, secure, and hassle-free payments. It is developed by the National Payments Corporation of India (NPCI) and is based on the Unified Payment Interface (UPI).

With BHIM UPI, you can send or receive money from any bank account using your mobile phone. You can also use it to pay for goods and services at participating merchants.

To use BHIM UPI, you need to have a mobile phone with an active SIM card and a bank account that is linked to your UPI ID. You can create a UPI ID by downloading the BHIM app from the Google Play Store or by visiting the NPCI website.

Once you have created a UPI ID, you can start making payments by following these steps:

1. Enter the amount you want to pay.
2. Enter the recipient’s UPI ID or mobile number.
3. Select the bank account from which you want to make the payment.
4. Enter your PIN to authorize the transaction.
5. The recipient will receive a notification about the payment and can choose to accept or reject it. If they accept it, the amount will be credited to their account immediately.


Paytm is a digital wallet that can be used to make online payments. You can also use Paytm to send money to friends and family. Paytm has a UPI (Unified Payments Interface) feature that allows you to send and receive money using your mobile number.

Paytm offers cashback on various types of transactions. For example, you can get 1% cashback on recharge of mobile, DTH, or data card, up to Rs. 50. You can also get 5% cashback on adding money to your Paytm wallet, up to Rs. 250. In addition, you can earn 2% interest on the balance in your Paytm wallet.


With so many UPI apps to choose from, it can be hard to decide which one will offer the most cashback in India in 2023. However, with a little research and consideration of your own needs and preferences, you should be able to make an informed decision about which UPI app gives more cashback in India in 2023, that makes sense for you. Take the time to read reviews, compare features and do your due diligence before making a final choice. With all of this information at hand, you should have no problem finding the best UPI app for cashback rewards.