Best Ways to Get Rewards on Every UPI Payment

UPI (Unified Payments Interface) has transformed how India transacts. With more than 12 billion monthly transactions, UPI is not just a payment tool.

It’s a daily habit. But what if every transaction could also bring you real benefits?

From cashback to scratch cards, rewards are now a key incentive for using UPI.

In this guide we will show best ways to get Rewards on Every UPI Payment and how to get rewards on every upi payment

Whether you're paying bills, recharging your phone, or shopping online, this blog covers the best apps, smart strategies, and active offers to help you earn consistently.

How to Earn Cashback on Every UPI Transaction in India

Not all UPI payments earn rewards. To maximize cashback or points, you need to:

Use Verified Apps
Stick to trusted UPI apps like Google Pay, PhonePe, Paytm, Amazon Pay, and CRED. These apps offer real and consistent rewards in 2025.

Prefer Merchant Payments
Sending money to friends usually doesn’t give cashback. Pay at stores, pay bills, or shop online to qualify for rewards.

Make Regular Use
Apps reward frequent users. Make 5 to 10 payments per week to unlock better offers or scratch cards.

Link Reward Friendly Bank Accounts
Some banks like HDFC or SBI offer extra UPI incentives. Use UPI IDs linked with these banks when possible.

Best UPI Apps That Give Daily Rewards and Cashback

Here’s a breakdown of the best apps that reward you for using UPI in 2025.

Google Pay Scratch Cards and UPI Rewards Explained

Google Pay remains one of the most rewarding UPI apps in India.

Features:

Scratch cards for eligible payments above ₹30
Seasonal games like “Go India” and stamp collections
Cashback is credited directly to your bank account
Rewards for recharges, bill payments, and merchant QR code scans

Tips:

Avoid low-value transfers under ₹30
Check the “Offers” section weekly for new tasks

PhonePe Cashback Rewards for Recharges and Bill Payments

PhonePe is widely used for UPI rewards and recharges.

Features:

Flat cashback on DTH, postpaid, and utility bills
Cashback for QR code payments at local shops
Extra offers through PhonePe Switch partners like IRCTC or Dominos

Tips:

Check My Rewards to redeem timely
Use the PhonePe Wallet when making high-value recharges

Earn Paytm Cashback Points Using UPI Payments

Paytm uses a point-based reward system rather than direct cashback.

Features:

Earn Paytm Cashback Points for every eligible payment
Redeem points for deals, discounts, and gift cards
Bonus points for tickets, bill payments, and UPI recharges

Tips:

Use UPI within Paytm for all transactions
Keep an eye on the “Cashback & Offers” section

Amazon Pay UPI Offers for Shopping and Bill Payments

Amazon Pay integrates UPI into shopping and payments.

Features:

Cashback for recharges, bill payments, and shopping
Bonus rewards during Amazon sales
Rewards are credited as Amazon Pay Balance

Tips:

Use UPI via the Amazon Pay section, not third-party apps
Spin-and-win and reward cards are often available during promotions

CRED UPI Rewards for Credit Card Bill Payments

CRED helps you earn while paying off credit card bills.

Features:

Earn CRED Coins for each rupee paid
Use coins to redeem vouchers and contest entries
Bonus deals with brands like Swiggy and BookMyShow

Tips:

Use UPI as the payment method when clearing card dues
Act fast on flash rewards, which can expire quickly

Smart Hacks to Maximize Rewards on Every UPI Payment

Want to turn your everyday UPI payments into a reward machine? Follow these simple hacks to boost your cashback and never miss a chance to earn:

Mix & Match Your Apps
Don’t stick to just one app. Rotate between Google Pay, PhonePe, Paytm, and others to unlock fresh rewards and bonuses.
Target High-Reward Payments
Bills, mobile recharges, and merchant payments usually pay more. Focus on these to score bigger cashback.
Snag Those Promo Codes
Keep an eye out for secret codes like RECHARGE50 or BILLPAY100. Applying these can multiply your rewards instantly.
Refer and Reap
Invite friends and family. Most apps reward referrals generously, adding free cash to your wallet.
Complete Missions and Challenges
Take part in monthly tasks or streaks like “Pay 5 bills, earn ₹100.” It’s fun and profitable!

Use these smart tips every time you pay, and watch your rewards pile up effortlessly!

How I Earned ₹700 in Rewards Last Month Using UPI

Let me share a quick story. I used to pay my bills without giving rewards much thought.

But in the last few months, I started tracking every UPI transaction, not in a spreadsheet, but just being intentional with the apps I use.

Here’s what I did in June 2025:

Paid my electricity bill via PhonePe and got ₹25 cashback
Recharged my phone twice using Paytm and earned 300 Cashback Points, later used for Swiggy coupons
Bought groceries from a local shop with Google Pay, scanned the QR, and won two ₹20 scratch cards
Paid my credit card bill using CRED and earned coins, which I redeemed for a ₹100 BigBasket voucher
Sent rent using Amazon Pay UPI (linked to my bank) and got a ₹50 reward card during a limited-time offer
Referred two friends to Google Pay and earned ₹101 for each
Took part in the "Bill Payment Bonanza" on PhonePe and unlocked ₹50 by completing 3 payments

By the end of the month, I had earned just over ₹700 in cashback and vouchers . All from things I was already doing.

It didn’t take extra effort. Just smarter choices.

So if you're paying rent, recharging your phone, or buying groceries anyway, why not get rewarded? Small wins add up.

Avoid These Costly Mistakes That Kill Your UPI Cashback!

Earning cashback is easy, but many miss out because of simple errors. Don’t let these common slip-ups stop your rewards from landing in your wallet:

Sending Tiny Transfers Just for Rewards
Trying to game the system with ₹1 transfers? Most apps block these, so no rewards there!
Using Unsupported or Inactive Bank Accounts
Not all banks play nice with cashback offers. Stick to popular banks like HDFC, SBI, ICICI, or Axis to keep your rewards flowing.
Ignoring Expiry Dates on Reward Cards
Scratch cards and coupons don’t last forever. Use them quickly or watch your rewards vanish.
Paying from Rooted or Jailbroken Phones
Apps detect modified devices and may block your cashback for security reasons.

Avoid these mistakes and keep your cashback game strong. After all, every rupee counts!

Final Thought

Every UPI transaction is more than just money moving. It is a chance to earn rewards, cashback, and perks. By using the right apps and smart strategies, you can turn your daily payments into a rewarding habit that benefits your pocket.

Start making your payments work for you today. Stay consistent, keep exploring new offers, and watch those rewards stack up effortlessly.

Your journey to smarter payments and bigger savings begins now!

Frequently Asked Questions (FAQs)

1. How can I earn cashback on UPI payments?

You can earn cashback by using UPI apps like Google Pay, PhonePe, Paytm, and others that offer rewards for transactions such as bill payments, mobile recharges, merchant payments, and referrals. Always check for ongoing offers and promo codes within the app.

2. Are UPI cashback rewards taxable in India?

Generally, cashback and rewards under ₹10,000 per year are not taxable as they are considered rebates. However, if your rewards exceed this or you earn from business transactions, consult a tax professional for specific advice.

3. Can I earn rewards on all UPI transactions?

Not all UPI transactions qualify for rewards. Typically, payments like bill payments, recharges, and merchant payments offer rewards. Small-value or peer-to-peer transfers may not be eligible.

4. How do I redeem cashback earned on UPI apps?

Cashback can usually be redeemed as wallet balance, direct bank transfer, coupons, or discounts on partner merchants. Each app has its own redemption process, so check the “Rewards” or “Cashback” section within the app.

5. Is it safe to use multiple UPI apps to maximize rewards?

Yes, using multiple trusted UPI apps is safe and a common strategy to maximize rewards. Ensure you download apps from official sources and keep your phone secure with updated software to avoid fraud.

Published on: 2025-07-11T12:56:20P+05:30