Get ready to level up your savings game! Whether it’s during Big Billion Days, Great Indian Festival, or your everyday online haul, using the right cashback app can mean the difference between overspending and winning smartly. At SavePlus, we’re on a mission to help Indian shoppers like you unlock maximum savings with every rupee spent. Here's our expert guide to the best cashback apps in India—tailored to your budget, shopping preferences, and local habits.

Paytm – Trusted Cashback for Bill Payments & More

Website: Paytm

Paytm has become a household name in India, especially for users who frequently make digital transactions for recharges and bill payments. The app is known for its reliable cashback offers, seamless payment system, and strong association with daily utility expenses. With widespread acceptance, it helps you save on electricity, gas, water bills, and more. Wallet cashback is instant and easy to redeem for future payments. Additionally, Paytm often runs promotional events around Indian festivals and bank tie-ups to boost your earnings. It’s particularly popular among students and urban families relying on digital wallets.

• Earn cashback on multiple utilities like power, gas, and broadband with offers rolled out by government and private providers alike.
  
  
• Participate in festival events like Diwali Dhamaka and collect instant cashback rewards on festive shopping categories and deals.
  
  
• Enjoy exclusive Paytm wallet deals when using SBI, HDFC, and ICICI cards for recharges, metro cards, and more.

Pro Tip: Watch for limited-time promo banners within the app—they often unlock bonus cashback during special sales and weekday deals.

PhonePe – Seamless Cashback via UPI

Website: PhonePe

PhonePe is another powerhouse in the Indian digital payment ecosystem, particularly known for its UPI functionality. The app supports multiple regional languages and is accepted across online and offline platforms, making it highly inclusive. Users earn cashback for bill payments, online orders, and local merchant transactions using QR codes. Scratch card rewards and festive UPI offers enhance the cashback experience. PhonePe is also integrated with several bank wallets and ensures a high-speed, secure transaction process. It’s a great app for Indian shoppers who want rewards for their daily digital payments.

• Get UPI cashback on grocery payments, LIC premiums, and IRCTC bookings when transacting through the app regularly.
  
  
• Redeem scratch cards that offer cashback up to ₹1000 during high-spend events like Big Billion Days and other regional sales.
  
  
• Enjoy merchant-specific QR code rewards in tier-1 and tier-2 cities for frequent transactions in pharmacies and Kirana stores.

Pro Tip: Combine PhonePe UPI usage with your linked credit card for an added layer of cashback and card-specific offers.

CRED – Cashback on Timely Credit Card Payments

Website: CRED

CRED revolutionized how credit card users in India pay their bills, rewarding timely payments with points that can be redeemed for deals. The app is ideal for professionals and salaried individuals who manage multiple cards from HDFC, Axis, and ICICI banks. It introduces gamified experiences like jackpots and spins that offer high-value cashback. CRED coins can be exchanged for vouchers, online deals, or even direct cashback. It also ensures payment reminders and tracks your credit score, making financial management smarter. With CRED, cashback is tied to responsible money behavior, not just spending.

• Earn CRED coins on every credit card bill payment and redeem them for shopping vouchers or Paytm wallet cashback.
  
  
• Participate in exclusive draws and jackpots with high reward pools for travel, gadgets, and Amazon shopping.
  
  
• Access limited-period partner offers across platforms like Ajio, MakeMyTrip, and Tata CLiQ for bonus benefits.

Pro Tip: Use your coins immediately during festive periods like Diwali and Independence Day to unlock higher-value rewards before stock runs out.

MagicPin – Cashback on Dining, Fashion & Pharmacies

Website: MagicPin

MagicPin is a unique cashback platform designed for offline and hyperlocal shopping lovers across India. Users earn rewards by scanning physical store bills from restaurants, chemists, fashion outlets, and grocery stores. It’s especially popular in cities like Delhi, Mumbai, and Bangalore where local vendors are part of the MagicPin network. The app gamifies the cashback process by giving you MagicPoints that can be redeemed for vouchers. Whether it’s a ₹500 dinner or ₹100 at a pharmacy, you’ll still get rewards. Perfect for college students and daily wage earners who spend more locally than online.

• Scan dining bills from restaurants like Barbeque Nation and earn MagicPoints that can be used for Domino’s or Swiggy vouchers.
  
  
• Submit grocery or pharmacy receipts to get cashback rewards usable on Flipkart or Myntra via MagicPin redemption.
  
  
• Unlock offline shopping offers during regional sales like Navratri, Ugadi, or Ganesh Chaturthi in your local areas.

Pro Tip: The earlier in the day you scan your bill, the higher the reward tier—use it before breakfast rush or dinner hours!

CashKaro – India’s Ultimate Cashback Site

Website: CashKaro

CashKaro is one of the largest cashback platforms in India, providing verified coupons and real cashback on over 1500 partner stores. It’s known for its reliability, strong brand reputation, and seamless bank or wallet transfers. The app helps Indian users double up savings by combining discount codes with cashback on platforms like Amazon India, Flipkart, Ajio, and more. With high payout limits and zero hidden fees, it’s favored by savvy shoppers across metros and tier-2 cities. Even high-end purchases like electronics or fashion score great cashback via this portal.

• Shop through CashKaro on stores like Tata CLiQ or Mamaearth and receive flat cashback to your linked bank or Paytm wallet.
  
  
• Combine ongoing Flipkart coupon codes with exclusive CashKaro bonuses for maximum festive savings.
  
  
• Join the referral program and earn lifetime commissions from friends’ transactions across all linked brands.

Pro Tip: Always start your shopping journey from CashKaro’s app and not browser—it ensures cashback is tracked properly.

GoPaisa – Cashback with Product Price Comparison

Website: GoPaisa

GoPaisa is a dual-function cashback app that offers both real cashback and a built-in price comparison tool. It is especially useful for electronics, home appliances, and mobile phone purchases where price varies across platforms. Users get cashback after purchases made through the app across major eCommerce sites. Its interface is easy to navigate and features trending deal highlights, making it user-friendly for all age groups. GoPaisa also includes an informative blog section with shopping advice. It’s perfect for value-conscious Indian buyers looking to optimize every big-ticket purchase.

• Compare mobile prices on Flipkart, Amazon, and Croma in real-time and get cashback after purchasing via GoPaisa.
  
  
• Access extra savings during Dussehra or Holi sales through flash cashback coupons on the app’s deal page.
  
  
• Use exclusive app-only offers from GoPaisa’s store partners for early access to mega-sale discounts and cashback.

Pro Tip: Check out GoPaisa’s “Deal of the Hour” tab for limited-time double cashback promotions.

Rakuten India – Global Platform, Local Cashback

Website: Rakuten India

Rakuten India brings global cashback experience to Indian users, offering rewards for shopping on travel, wellness, and electronics platforms. Although it started globally, the India-specific version caters to popular Indian eCommerce and health brands. Cashback is credited in INR and can be withdrawn via bank or PayPal. Rakuten is most beneficial for travelers booking hotels or flights during long weekends and festival holidays. It also offers strong privacy and data security standards. Great for frequent flyers and health-conscious shoppers who use online platforms for essentials.

• Book hotels and flights via MakeMyTrip and Yatra on Rakuten India to receive up to ₹1000 in cashback rewards.
  
  
• Shop for daily needs from Netmeds and Apollo Pharmacy and claim cashback instantly after delivery confirmation.
  
  
• Take advantage of early Independence Day or Republic Day travel deals to earn Rakuten loyalty bonuses.

Pro Tip: Activate the Rakuten browser extension on desktop to never miss cashback notifications while browsing Indian stores.

Freecharge – Cashback for Online & Offline Utility

Website: Freecharge

Freecharge, now backed by Axis Bank, is a versatile payments app offering regular cashback on utility, metro, and FASTag recharges. The app has retained its loyal user base for smooth interface and secure payment services. Cashback is rewarded via scratch cards, vouchers, or bank credits. Freecharge regularly introduces co-branded offers with Axis, ICICI, and SBI cards. It supports mobile recharges, DTH, and even insurance premium payments. Ideal for Indian users who prefer fast transactions without any distractions.

• Recharge your Jio, Airtel, or BSNL number and unlock cashback vouchers from Amazon, Zomato, or Ajio.
  
  
• Pay your broadband or metro card bills during special campaigns to receive ₹50–₹100 in instant cashback.
  
  
• Use Freecharge Axis Bank co-branded credit card for up to 5% cashback on every digital transaction made.

Pro Tip: Check the "Offers" section on Sundays for surprise flash cashback promos exclusive to Freecharge users.

PaisaWapas – Ideal for Students & Frequent Shoppers

Website: PaisaWapas

PaisaWapas caters specifically to students, tech enthusiasts, and high-frequency shoppers by offering one of the lowest payout thresholds in India. Cashback is credited swiftly and can be claimed in Paytm or bank form. The app is easy to navigate and integrates popular shopping platforms. It’s especially effective during sale periods like College Fest and Book Week. With category-specific deals on books, fashion, and electronics, PaisaWapas has built a loyal young audience. It also runs internship programs for student influencers.

• Shop from BookMyShow or Flipkart via PaisaWapas and earn cashback as a student-friendly side hustle.
  
  
• Participate in limited-time student flash sales where discounts are doubled and cashback is paid instantly.
  
  
• Use referral codes to invite classmates and earn ₹50–₹100 per verified user through their purchases.

Pro Tip: Activate browser alerts to get notified about daily offers, especially for exam time supply deals.

Conclusion

India's smartest shoppers use cashback apps to earn on every payment—from recharges to Diwali shopping. These 9 trusted apps help you save big, shop smart, and turn every transaction into a reward. With SavePlus expert tips, start combining cashback, UPI rewards, and coupons to unlock unbeatable savings every time you shop online or offline.

FAQ

Which cashback app is best for everyday bill payments in India?
Paytm and PhonePe are highly reliable for recharges, electricity bills, and daily UPI payments with great cashback deals.

Can I withdraw cashback into my bank account?
Yes, apps like CashKaro, GoPaisa, and PaisaWapas allow direct bank or wallet withdrawals once the cashback is approved.

Are cashback apps safe for online transactions?
All listed apps follow RBI guidelines and are safe. Just ensure you're downloading them from official app stores and websites.

Do cashback apps work during Amazon and Flipkart sale events?
Absolutely! Apps like CashKaro, Freecharge, and CRED offer enhanced cashback and stackable promo codes during sale seasons.

Can I use more than one cashback app at the same time?
Yes, you can track cashback via one app and apply coupons from another, just make sure purchases are routed through the right link.