Paying your utility bills can now earn you cashback, rewards, and discounts! From Paytm to GPay, India's top bill payment apps turn your monthly expenses into smart savings. Whether you’re recharging, paying broadband bills, or settling electricity dues, SavePlus India brings you the ultimate guide to apps that reward every rupee you spend.

Paytm – India's Cashback Champion

Website: Paytm

Paytm has grown into a trusted digital payments giant, offering everything from mobile recharges to utility bill payments. With a user-friendly interface and strong wallet integration, it caters to millions of Indians daily. Frequent cashback deals and partnerships with major banks add extra value. From electricity to gas, Paytm supports a wide array of services. You can also use its “Postpaid” feature for flexible bill settlement. Whether during Diwali or end-of-month rushes, Paytm ensures instant and rewarding transactions.

• Get up to ₹100 cashback on utility bills using seasonal promo codes and Paytm wallet transactions.
  
  
• Paytm First subscribers enjoy exclusive coupon codes for repeat mobile recharges and electricity bill discounts.
  
  
• The QR scan option at local kirana stores often unlocks small scratch cards usable for future bills.

Pro Tip: Check out today’s Paytm Coupons & Special Offers.

PhonePe – Rewards with Every Tap

Website: PhonePe

PhonePe is known for its lightning-fast UPI interface and expansive biller list. It supports payments across electricity, broadband, gas, and DTH services. Integrated with top Indian banks, PhonePe ensures seamless transactions and frequent reward drops. Its interface also makes it easy to set up AutoPay for recurring bills. Users benefit from regular scratch cards and cashback incentives on each transaction. With regional language support, it appeals to users across both metro and rural India.

• PhonePe users can earn up to ₹75 cashback on electricity or gas bill payments through periodic scratch cards.
  
  
• Exclusive brand discounts from Myntra, Ajio, and BigBasket appear under the app’s “Switch” section.
  
  
• During festival sales, PhonePe unlocks high-value scratch cards linked to payment milestones.

Pro Tip: Stack your PhonePe offers with Flipkart SuperCoins to score dual rewards during Big Billion Days.

Google Pay – Play and Pay Smart

Website: Google Pay

Google Pay brings gamification into Indian bill payments through its scratch card model. It supports most utilities like water, gas, broadband, and prepaid recharge. GPay offers real-time UPI transactions, bill reminders, and exclusive game events like “Go India” during festive seasons. It’s ideal for users who enjoy cash rewards with every interaction. Secure and RBI-compliant, it supports all major Indian banks. The app also alerts users before their bill due dates to avoid penalties.

• Users receive scratch cards worth ₹10–₹1,000 on utility bill payments exceeding ₹100.
  
  
• Special campaigns like Go India and Diwali Dhamaka offer bonus cards and vouchers during festival months.
  
  
• Set up recurring payments and get small bonus scratch cards after each auto-debit success.

Pro Tip: Invite friends to GPay and pay your first utility bill to unlock “Welcome Cashback” that can go up to ₹150.

Amazon Pay – Reliable & Rewarding

Website: Amazon Pay

Amazon Pay makes utility bill payments convenient via the Amazon India app. It supports UPI, debit cards, and Amazon Pay Later for postpaid utility settlement. Users earn vouchers and cashback for paying electricity, gas, and broadband bills. Amazon integrates personalized offers based on your shopping habits. These often appear on the homepage during the Great Indian Festival sales. Amazon Pay also collaborates with brands like Swiggy and UrbanClap for cross-app rewards.

• Earn up to ₹50 cashback on first-time bill payments using Amazon Pay UPI.
  
  
• Collect gift cards from top Indian brands when paying multiple bills during one billing cycle.
  
  
• Use Amazon Pay balance to buy products and clear bills without needing a credit card.

Pro Tip: During Amazon Great Indian Festival, pay bills first to unlock early-access offers on electronics and fashion.

Mobikwik – The SuperCash Advantage

Website: Mobikwik

Mobikwik stands out with its SuperCash rewards system tailored for regular users. It covers bill payments across telecom, broadband, water, electricity, and more. Unlike traditional cashback, SuperCash can be reused for future bill payments. The app also features a “Zip” credit facility for short-term bill financing. Mobikwik’s interface is sleek and works well across both Android and iOS platforms. Monthly users benefit most from cumulative SuperCash gains.

• Get up to 5% of your transaction value as SuperCash on all utility payments.
  
  
• Use Zip to delay bill payments and pay back later without late fees if paid on time.
  
  
• Partner deals let you redeem SuperCash on top brands like Domino’s and Uber.

Pro Tip: Check out today’s Mobikwik Coupons & Special Offers.

Freecharge – Fast, Simple & Rewarding

Website: Freecharge

Freecharge offers a clean and fast experience for bill payments with guaranteed savings. It supports UPI, debit/credit cards, and wallet transfers. Each transaction may unlock coupons and offers from lifestyle and food brands. It often features exclusive partnerships for gas and mobile recharge payments. The app is lightweight, perfect for budget phones and quick actions. Users can also store biller profiles for one-tap payments.

• Earn cashback up to ₹50 with Freecharge-specific promo codes during festive campaigns.
  
  
• Get coupons from Zomato, Swiggy, or Nykaa after bill payments of over ₹250.
  
  
• Freecharge sends instant bill payment confirmation with reward status for transparency.

Pro Tip: Pay bills during Freecharge’s Freedom Month or Republic Day offers for exclusive bundled coupon packs.

CRED – Elite Rewards for Credit Bill Payments

Website: CRED

CRED transforms the credit card bill payment space with its luxury rewards model. Users earn CRED Coins on every bill payment, which can be redeemed for vouchers or contests. It now also allows utility bill payments through UPI with similar reward benefits. CRED offers transparency, smart reminders, and member-only access to premium brand discounts. Users with a high CIBIL score find exclusive offers tailored to their spending profile.

• Pay bills via credit card and earn CRED Coins, usable for Myntra, BigBasket, or BookMyShow vouchers.
  
  
• Get bonus vouchers during sale events like Dussehra or Christmas when bills cross ₹5,000.
  
  
• Use RentPay and bill features for rent, electricity, and broadband, and earn weekly scratch rewards.

Pro Tip: Redeem your CRED Coins mid-month when inventory is high and offers are more valuable.

BHIM – Safe and Simple by Design

Website: BHIM

BHIM is a minimalist UPI app developed by NPCI, ideal for secure and no-nonsense bill payments. It connects to all major Indian banks and ensures quick utility bill clearance. Although not packed with cashback, it excels in trust, especially for older users and first-time digital payers. BHIM supports QR scans, recurring payments, and LPG subsidy tracking. It’s available in multiple Indian languages, increasing its rural outreach.

• BHIM enables gas and electricity bill payments in under a minute with minimal steps.
  
  
• RBI compliance ensures safe processing with biometric and PIN-based validation.
  
  
• The app periodically hosts “Digital India” campaigns with prize draws for frequent payers.

Pro Tip: Use BHIM during government cashback promotions, often announced via public sector bank SMS alerts.

Airtel Thanks App – For Airtel Subscribers & More

Website: Airtel Thanks App

The Airtel Thanks App bundles recharges, bill payments, OTT subscriptions, and customer rewards in one place. Tailored mainly for Airtel users, it also supports payments for third-party services. With every bill payment, users can accumulate Airtel Coins and access premium benefits. The app links to Amazon Prime, Hotstar, and Wynk Music for added value. It frequently runs promotional cashback campaigns on bill settlements.

• Earn Airtel Coins for each bill paid, redeemable for vouchers or discount coupons.
  
  
• Pay for broadband, mobile, and DTH while unlocking entertainment subscriptions automatically.
  
  
• Frequent recharge users receive surprise rewards and VIP upgrades.

Pro Tip: Use the “Pay Bills + Redeem Coins” combo during Airtel Celebrations Week for double the benefits.

JioPay – One Wallet for All Jio Services

Website: JioPay

JioPay, embedded in the MyJio app, provides a smooth solution for JioFiber, mobile, and postpaid payments. With support for UPI, cards, and Jio Wallet, it encourages full ecosystem usage. JioPay also integrates with JioMart and JioCinema for bundled benefits. Users often receive cashback and discount vouchers during the Jio Anniversary and festival periods. It’s an excellent choice for loyal Jio customers seeking streamlined payments and perks.

• Pay your JioFiber or mobile bills and receive ₹50–₹100 cashback during promotional campaigns.
  
  
• Use JioPay UPI to shop on JioMart and apply collected cashback for bill offsets.
  
  
• Enjoy exclusive Jio-branded reward coupons usable across Reliance Retail networks.

Pro Tip: Sync your bill payments with JioMart grocery orders to unlock cashback combo offers during Navratri and Diwali.

Conclusion

Bill payments don’t have to drain your wallet anymore. These apps bring you cashback, promo codes, and bundled discounts across services. From students to homemakers, every Indian shopper can benefit from these savvy payment platforms. Stay connected with SavePlus India to make smarter decisions, earn rewards, and maximize your savings on every transaction, month after month!

FAQ

Which is the best app in India for bill payment and cashback?
Paytm, PhonePe, and Google Pay consistently offer top cashback deals and scratch card rewards.

Can I use UPI for all utility bill payments?
Yes, UPI is supported by almost every bill payment app in India, including BHIM, PhonePe, and GPay.

Are credit card payments allowed on these apps?
Apps like CRED, Amazon Pay, and Paytm allow credit card payments for utilities, often with cashback.

Do these apps run special offers during Indian festivals?
Absolutely! Apps launch mega cashback and promo code offers during Diwali, Holi, and Independence Day.

Is it safe to pay bills using these digital apps?
Yes, they are RBI-compliant, encrypted, and widely trusted by millions of users across India.