Google Pay vs PhonePe vs Paytm: Which UPI App Gives the Most Rewards?

UPI app rewards:
Using digital payment apps like Google Pay, PhonePe, Paytm, Mobikwik or CRED has become common. These apps now allow users to link their credit cards, especially through RuPay Credit Card. Most banks support RuPay, making it easy to use credit cards on UPI platforms.

UPI app rewards:

Linking your credit card helps in earning extra rewards. Most UPI apps give cashback, points, or special offers for using their service. These rewards differ by app and come with various redemption options.

Google Pay gives scratch cards as rewards. Users get cashback on eligible UPI transactions. The cashback is sent directly to the linked bank account.

PhonePe provides cashback on selected merchants and bill payments. The cashback goes into the PhonePe wallet. This wallet can be used for other payments but cannot be withdrawn.

Paytm offers cashback and referral rewards. Users can get up to ₹75 cashback on UPI transactions and ₹50 per referral. The rewards are added to the Paytm wallet. This supports multiple uses within the app.

By using the CRED app, users pay credit card bills on time. This app offers many rewards.It occasionally offers 100% cashback on purchases. Users can redeem the rewards for lifestyle products, services or experiences. CRED aims to encourage disciplined financial habits.

Mobikwik gives cashback and reward points on various payments. The rewards can be used for bill payments, mobile recharges and other services inside the app. Mobikwik combines wallet features with UPI payments.

POP rewards users with Popcoins. It gives 2% Popcoins on UPI payments and up to 10% on shopping with RuPay credit cards. Popcoins can be used for a range of rewards through the app.

Each platform offers unique benefits. Choosing the right one depends on how often you use UPI, where you spend and what kind of rewards you prefer. Linking a RuPay credit card makes transactions smoother and gives better cash back or points in return.

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