10 Best Cashback Apps in India: Smart Shopping, Extra Savings!
Quick Answer
Magicpin for local offers, Swiggy Dineout for dining, CRED for credit card bills, and Paytm, Google Pay and PhonePe for UPI rewards- these are some of the best cashback apps in India. Cashback and benefits vary by app, transaction, and offer. Shopping platforms may give cashback after a purchase is tracked and confirmed, while payment apps may provide coins, scratch cards, vouchers or limited-period offers. Rewards are not guaranteed on every transaction, so always check the latest terms before paying.
Cashback apps help you save on online shopping, dining, recharges, bills and UPI payments. Everyday expenses such as shopping, dining, recharges, and bill payments can become slightly more rewarding when you use the right app. However, the best app depends on where you are spending and whether you prefer bank-transferable cashback, discount vouchers, reward points or payment offers.
This guide compares the best cashback apps in India in 2026 and explains what each one is best for.
Best Cashback and Rewards Apps in India: Quick Comparison
| App | Best For | Reward Type |
| CashKaro | Online shopping | Cashback or rewards on eligible purchases, plus coupons |
| Magicpin | Local shopping and food offers | magicPoints, vouchers, discounts and selected rewards |
| Swiggy Dineout | Restaurant dining | Pre-booking discounts, payment and bank offers |
| Nearbuy | Local experiences | Discounted deals, vouchers and selected promotions |
| CRED | Credit card bill payments | CRED coins and limited-period offers |
| Paytm | UPI and everyday payments | Gold Coins, cashback and promotional offers |
| Freecharge | Recharges and utility bills | Selected cashback, coupons and payment offers |
| MobiKwik | Payments and credit products | Cashback and discounts on selected transactions |
| Google Pay | UPI payments | Scratch cards, cashback and vouchers |
| PhonePe | UPI, bills and financial services | Gift vouchers, cashback and selected offers |
List of 10 Best Cashback and Rewards Apps in India in 2026
CashKaro: Best for Online Shopping Cashback
CashKaro is an online cashback and coupon platform founded by Swati and Rohan Bhargava in 2013. It works with more than 1,500 shopping sites, including Amazon, Flipkart, Myntra, AJIO, Nykaa and Tata 1mg. CashKaro crossed 20 million registered users in 2023 and has Ratan Tata among its investors.
When you shop through CashKaro and complete an eligible purchase, the cashback first appears as pending. It becomes available for withdrawal after the retailer confirms the order. It usually gets confirmed within 10 to 60 days after the retailer verifies the order and the return or cancellation period ends.
Confirmed cashback can be transferred to an Indian bank account. Depending on the type of earnings, users can also redeem them through available gift-card options.
Key Features
- More than 1,500 partner shopping sites
- Cashback or rewards on eligible purchases
- Coupon codes and retailer offers
- Bank transfer and selected gift-card redemption options
- Referral earnings on qualifying activity
- Cashback tracking and customer-support facilities
Best for: People who frequently shop online and want cashback in addition to available retailer discounts.
Important: Cashback rates and eligibility differ by retailer, product category and offer. Some stores or categories may provide rewards instead of withdrawable cashback, while others may temporarily offer no cashback.
Sign Up on the CashKaro Website:
Download the App:
Magicpin: Best for Local Shopping and Food Offers
Magicpin is a local discovery, food-delivery and savings platform. It provides deals, vouchers and rewards across restaurants, fashion stores, grocery shops, entertainment outlets and other local businesses.
Magicpin’s Google Play listing states that the platform covers more than 9 lakh local and online stores across 40 cities. Users can find discounts and vouchers for both local outlets and major online brands.
Users may earn magicPoints through eligible activities and transactions. The exact earning and redemption rules depend on the outlet, offer and activity shown in the app.
Key Features
- Deals across food, fashion, groceries and entertainment
- More than 9 lakh local and online stores across 40 cities
- Online brand vouchers and coupons
- magicPoints and promotional rewards
- Food ordering through the ONDC Network
- Location-based offers
Best for: People looking for offers on local shopping, restaurants, food delivery and brand vouchers.
Important: Not every purchase earns cashback or magicPoints. Check the individual merchant and offer conditions before paying.
Swiggy Dineout: Best for Restaurant Discounts
Swiggy Dineout helps users discover restaurants, view menus and images, reserve tables, access promotions, and make digital payments at participating restaurants. Dineout became part of Swiggy after its acquisition in 2022.
Available benefits may include pre-booking discounts, walk-in offers, complimentary items, buffet deals and bank or payment offers. The exact discount depends on the restaurant, city, booking type and payment method.
For example, current Swiggy Dineout listings may show a restaurant’s pre-booking discount separately from any eligible bank or payment offer. These benefits should be checked before making a reservation.
Key Features
- Restaurant discovery
- Menus, images and customer ratings
- Table reservations at participating restaurants
- Pre-booking and walk-in offers
- Bank and payment discounts
- Digital restaurant payments
Best for: People who dine out regularly and want to compare restaurant offers before booking.
Important: Cashback and discounts are not available at every restaurant. Check whether the offer requires pre-booking, a minimum bill amount or a specific payment method.
Nearbuy: Best for Local Experiences
Nearbuy is a hyperlocal platform that helps users find deals on restaurants, spas, salons, fitness services, entertainment, activities and travel experiences.
Nearbuy’s official About page states that the platform operates across more than 35 cities and 18 categories. It lists over 50,000 merchants across more than 100,000 unique locations.
Users can purchase discounted vouchers or deals for participating local businesses. Cashback may also be offered under selected campaigns, but it is not a standard benefit on every Nearbuy booking.
Key Features
- Dining, salon, spa and wellness offers
- Entertainment and activity deals
- Travel and local-experience vouchers
- More than 35 cities and 18 categories
- Over 50,000 merchants
- Location-based discovery
Best for: People who want discounted local experiences, services and outings.
Important: Read the voucher terms carefully. Deals may have validity periods, restricted days, prior-booking requirements or limits on combining other offers.
CRED: Best for Credit Card Bill Payments
CRED is a financial services platform that allows eligible members to pay and manage credit card bills. Users can track card spending, monitor EMIs, view reward points, receive payment reminders and identify certain charges through one dashboard.
Members earn CRED coins on eligible credit card bill payments. CRED may also run limited-period cashback, discount and partner-brand offers. Its terms clarify that cashback and additional benefits may be provided through selected promotional campaigns.
CRED has expanded beyond card payments into UPI payments, lending, insurance, wealth and lifestyle products. In June 2026, the company said that 1.7 crore members engage with its platform every month.
Key Features
- Credit card bill payments
- CRED coins on eligible bill payments
- Card-spending and EMI tracking
- Bill reminders
- Selected cashback and partner offers
- UPI and other financial services
Best for: Eligible credit card users who want to manage multiple cards and access rewards in one app.
Important: CRED coins do not have the same value or usability as cash. Cashback and other rewards depend on the current offer and user eligibility.
Paytm: Best for UPI Rewards and Everyday Payments
Paytm supports UPI transfers, QR payments, mobile recharges, utility bills, travel bookings, digital gold and other payment and financial services.
In 2026, Paytm is promoting its Gold Coins programme. Its official guide states that eligible registered users can earn Gold Coins on successful Paytm payments and later convert the coins into digital gold after meeting the minimum redemption requirement. The programme’s rules, earning rates and eligibility may change.
Paytm may also provide cashback, coupons or payment offers for selected users and transactions. These should be treated as promotional offers rather than guaranteed rewards on every recharge, bill payment or transfer.
Key Features
- UPI money transfers and QR payments
- Mobile, DTH and utility-bill payments
- Travel bookings
- Paytm Gold Coins programme
- Selected cashback and coupon campaigns
- Digital gold and financial service options
Best for: Users who want UPI, recharges, bills and payment rewards in one app.
Important: Check whether the reward must be manually claimed and whether a minimum number of coins is required for redemption.
Freecharge: Best for Recharges and Utility Bills
Freecharge is a digital payment platform that supports mobile recharges, DTH recharges and utility bill payments. Its official information lists services such as prepaid and postpaid mobile payments, electricity, gas and insurance-premium payments.
Freecharge may provide cashback, coupons or promotional discounts on selected transactions. However, these benefits depend on the individual offer and are not guaranteed on every recharge or bill payment.
Key Features
- Mobile and DTH recharges
- Electricity, gas and other utility bills
- Insurance premium payments
- Bill reminders and transaction history
- Selected discounts and cashback campaigns
- Digital-payment services
Best for: Users who want a focused app for recharges and recurring bill payments.
Important: Always open the specific offer and check its minimum payment amount, payment-method requirements, user eligibility and expiry date.
MobiKwik: Best for Payments and Credit Products
MobiKwik is an Indian digital payment and financial services platform. It provides wallet and UPI payments, money transfers, mobile recharges, bill payments and merchant payments.
MobiKwik also distributes financial products, including credit facilities such as ZIP and ZIP EMI, along with selected savings, investment and insurance products. The company was listed on the NSE and BSE in December 2024.
The app runs cashback and discount offers across selected categories. Current offers may apply only to new users, first transactions, selected merchants or payment methods.
Key Features
- Wallet and UPI payments
- Mobile, DTH and utility-bill payments
- Merchant and QR payments
- Selected cashback offers
- Digital loan and credit products for eligible users
- Savings and investment products
Best for: Users who want payment services and access to eligible credit products in one app.
Important: Loans and credit products are subject to lender approval, eligibility, interest rates, fees and repayment terms. Do not choose a credit product only to earn cashback.
Google Pay: Best for UPI Scratch-Card Rewards
Google Pay is a UPI payment app that allows users to send and receive money, pay merchants, complete recharges and pay utility bills through linked bank accounts.
Google Pay runs scratch-card, cashback, referral and voucher offers. Users must meet the eligibility rules shown for each campaign. Receiving a scratch card does not always mean that the user has won cash.
When a user earns cashback, Google states that it is generally deposited into the linked bank account within seven business days. Vouchers and coupons may have different redemption rules.
Key Features
- UPI transfers
- QR and merchant payments
- Recharges and utility bills
- Scratch-card campaigns
- Cashback and vouchers on qualifying transactions
- Referral offers
Best for: Users who make regular UPI payments and want to participate in occasional scratch-card campaigns.
Important: Offers have separate eligibility rules, limits and expiry dates. Rewards should not be expected on every payment.
PhonePe: Best for UPI Payments and Financial Services
PhonePe provides UPI payments, money transfers, merchant payments, mobile and DTH recharges, FASTag top-ups, utility bills, credit card bills and loan EMI payments.
As of April 2026, PhonePe reported more than 70 crore registered users and a payment-acceptance network covering over 5 crore merchants. Its wider ecosystem includes insurance distribution, lending and the share market, which provides stockbroking and mutual-fund distribution services.
PhonePe may issue cashback, gift vouchers or scratch-card rewards under selected offers. Its official terms clearly state that rewards are not guaranteed. When cashback is issued as a PhonePe Gift Voucher, it cannot normally be withdrawn to a bank account or transferred to another user.
Key Features
- UPI transfers and QR payments
- Recharges, FASTag and utility bills
- Credit card bill and loan EMI payments
- Selected cashback and scratch-card offers
- Insurance and lending distribution
- Investment services through the PhonePe ecosystem
Best for: Users who want UPI payments, bills and multiple financial services in one ecosystem.
Important: PhonePe cashback may be credited as a gift voucher rather than withdrawable cash. Check the voucher’s validity and permitted uses.
How Do Cashback Apps Work?
Shopping cashback platforms generally use affiliate marketing. When you visit a partner retailer through the cashback platform and complete an eligible purchase, the retailer pays the platform a commission. The platform then shares part of that commission with you as cashback or rewards.
The usual process is:
- Open the cashback platform and select a partner retailer.
- Check the current cashback rate and offer terms.
- Click through to the retailer’s website or app.
- Shop and pay directly on the retailer’s platform.
- The transaction is recorded as pending cashback.
- The cashback is confirmed after the retailer validates the order and the return period is over.
- Confirmed earnings can be withdrawn or redeemed according to the platform’s rules.
CashKaro, for example, says transactions normally track as pending within 72 hours. Cashback is later marked as confirmed or cancelled after validation. Users can request payment after accumulating at least ₹250 in confirmed earnings.
Payment and UPI apps work differently. They may run scratch-card, cashback, digital-gold, points or voucher campaigns on eligible transactions. These rewards may be limited to users, payment methods or offer periods.
You may sometimes be able to combine shopping cashback with a bank, card, UPI or wallet offer. However, stacking is only possible when the terms of both offers allow it.
How to Choose the Right Cashback App
The right app depends on where you spend and what type of reward you can use.
1. For Online Shopping
Check CashKaro when shopping from a supported online retailer. Compare the displayed cashback rate, eligible product categories and coupon conditions before clicking through.
2. For Restaurants and Local Shopping
Magicpin can help you find local deals and vouchers. Swiggy Dineout is more suitable for restaurant reservations and dining offers, while Nearbuy covers a wider range of experiences such as spas, salons and activities.
3. For Credit Card Bill Payments
CRED can be useful for managing multiple cards, receiving bill reminders and earning CRED coins on eligible payments.
4. For UPI and Bill Payments
Compare the live offers on Paytm, Freecharge, MobiKwik, Google Pay and PhonePe. Do not choose an app based on an old cashback campaign because payment rewards change frequently.
5. Check the Reward Type
A reward may be:
- Cash transferred to a bank account
- A platform gift voucher
- Reward points or coins
- Digital gold
- A merchant coupon
- A discount on a future payment
A ₹100 voucher that can only be used at one merchant may be less useful than a ₹50 voucher that can be transferred to your bank.
6. Read the Offer Terms
Before completing a transaction, check:
- Minimum order or payment value
- Eligible users
- Eligible payment methods
- Maximum cashback
- Coupon restrictions
- Reward expiry
- Cancellation and refund rules
- Whether the reward is withdrawable
Can You Use More Than One Cashback App Together?
You normally cannot start the same online order through two different cashback platforms because only one referral can be tracked.
However, you may sometimes combine:
- A shopping-platform cashback offer
- A retailer’s coupon
- A bank or card discount
- A UPI or wallet reward
For example, you may click through CashKaro, use a coupon listed on CashKaro and pay using an eligible card or UPI offer. This only works when all the applicable terms permit the combination.
Using an unlisted coupon, switching to another deal website or changing the shopping session may prevent cashback from tracking.
Conclusion
Cashback and rewards apps can help you save on online shopping, dining, recharges, bills and everyday payments. However, no single app gives the highest reward on every transaction.
Choose an app based on the purchase you are making, the current offer and how easily you can use or withdraw the reward. Always compare the final benefit, read the eligibility rules and avoid spending more only to qualify for cashback.
Other Money Saving Ideas:
FAQs
How do cashback apps work?
Shopping cashback apps earn a commission when you visit a partner retailer through their platform and complete an eligible purchase. Once the retailer confirms the order, the app shares part of the commission with you as cashback or rewards. UPI and payment apps use a different model.
Which is the best cashback app in India for online shopping?
CashKaro is a useful option for online shopping because it works with more than 1,500 shopping sites and provides cashback or rewards on qualifying purchases. Confirmed cashback can be transferred to a bank account after the minimum payment threshold is reached. The available rate varies by retailer and category.
Which app gives the highest cashback in India?
No app consistently provides the highest cashback across every store and transaction. Rates depend on the retailer, spending category, payment method, user eligibility and offer period. Compare the live offer before paying.
Are cashback apps safe to use?
Established cashback and payment apps are generally safe when downloaded from their official app store pages.
Which UPI app gives the most cashback?
No UPI app consistently gives the most cashback. Google Pay, PhonePe, Paytm and other apps run different campaigns at different times. Compare the offers available inside the apps and check whether the reward is cash, a voucher, coins or digital gold.
Can I use two cashback apps on the same purchase?
You usually cannot earn shopping cashback from two cashback platforms on one order because only one platform’s referral can be tracked. You may be able to combine one cashback platform with an eligible retailer coupon or payment offer.
