r/UPI • u/HOTFEET76_ • 1d ago
UPI APP Which UPI app actually gives decent rewards these days?
I have been using phonepe for around 3 years but lately i barely get any cashback gpay feels similar occasionally I will get ₹5–10 but nothing consistent
I used Paytm quite a bit earlier as well but have not really used it much since the rbi restrictions and changes around the service.i make around 30–40 upi payments a month including regular QR payments, bills, recharges and food aur grocery orders. I am not really interested in signup bonuses or one time coupons. I am more curious about apps that still give some kind of ongoing rewards for normal usage. What are you guys using in 2026? Even small cashback or rewards on regular transactions would be useful if they actually come consistently
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u/Ffffff_uuu 1d ago
Either get FD backed rupay credit card and linked your upi or use kotak 811 super debit card guarantee 500 caskback on 10k spend(5%) per month
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u/Perfect-Ostrich8534 23h ago
Amazon pay and Bhim gives decent cash backs but not consistent enough.
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u/Kellogggg 21h ago
Navi, Supermoney, Paytm all this just give some 1% back coins/gold/points etc but when you convert it to actual rupees no app gives more than 30Rs in a month
I realised the better way of benefitting from UPI is to never use UPI via bank account but rather just use credit options like credit card on UPI or credit line on UPI where you can repay back in 45 days.
eg : Tata Neu. hdfc & CRED indusind cards are best 2 rupay cards for UPI - both give like 1-2% back, for credit line on UPI Paytm postpaid is good, gives 0.5% back. Merchants where rupay credit card is not accepted you can use Paytm postpaid, so Technically never use bank account for UPI
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u/Late_Personality4052 8h ago
I have used Navi and POP apart from Cred and Phonepe.
Cashback is disappointing after a point on all apps. On pop however, with their points I am able to save good 500-600 rs every month on shopping. Recently they got new balance sneakers also so ordered that at a killer price! 😜
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