![Best Cashback Apps in India - Top 7 picks [Updated in August 2024] (1)](https://i0.wp.com/static.wixstatic.com/media/3f3442_8f211165860c49139f7555da982cbaef~mv2.jpg/v1/fill/w_147,h_83,al_c,q_80,usm_0.66_1.00_0.01,blur_2,enc_auto/3f3442_8f211165860c49139f7555da982cbaef~mv2.jpg "Best Cashback Apps in India - Top 7 picks [Updated in August 2024] (1)")
Trying to get your hands on the best cashback apps?
In the digital age, saving money while shopping online has become a priority for many. However, finding valid coupons or bank offers can be a challenge. This is where cashback apps come in handy.
Cashback apps provide a convenient way to save money on every purchase, even when other discounts are unavailable. Many popular online stores in India offer attractive cashback deals through these apps.
Globally, there are over 5,000 cashback websites, and cashback websites in India grew by 22% in 2023.
Now out of the dozens of cashback apps, how do you know which one is best for you?
After going through the customer reviews on the Google Play store, Reddit, and Quora, as well as checking their official sites for detailed info on services, we came to the conclusion that -
The best cashback app for fashion shopping is benny.
The best cashback app for local deals is MagicPin.
The best cashback app for bill payments is FreeCharge.
The best cashback app for e-commerce is CouponDunia.
The best cashback app UPI is Google Pay.
The best cashback app for Credit Card Payments is Cred
The best cashback app for Recharge is PhonePe.
As mentioned above, each of the cashback apps has its own set of benefits, not all of them might fit your needs.While some offer redeemable reward coins, some instantly slash prices, and some others give wallet rewards.
This think piece will not only introduce you to the best cashback apps in India, but also tell you their key features, reviews, and areas of improvement so that you can choose the best cashback app for yourself!
Here’s an in-depth look at how these apps work and the benefits they bring to you:
What Are Cashback Apps and How Do They Work?
Definition and Purpose of Cashback Apps
Cashback apps are digital platforms that reward users by returning a portion of their spending (money as cash) to them.These apps act as intermediaries between consumers and online retailers, encouraging shopping by offering financial incentives. Users receive cashback on their purchases, making shopping more cost-effective and rewarding.
How Cashback Apps Work
Cashback apps operate in two ways: one is by partnering with various retailers. The second is by offering independent cashback rewards.
Partnering with Retailers
When a user makes a purchase through a cashback app at one of these partner stores, the retailer pays a commission to the app for referring the customer.The app then shares a portion of this commission with the user in the form of cashback.
This is facilitated through special tracking links that ensure the purchase is credited to the cashback app, guaranteeing users receive their rewards.
Independent Rewards
Some apps offer rewards to their users simply for engaging in their apps. This can be in terms of app-wallet benefits, redeemable coins, instant discounts, and more.
Table: Pros and Cons of the Best Cashback Apps
Cashback App | Pros | Cons |
benny | -Free benny coins for placing fashion orders through benny app. -Coin rewards for completing milestones. -Sales and offers updates. -Free shipping updates. -Price comparison and filtering. | - Limited awareness and branding. |
MagicPin | - Offers cashback on local deals. - Personalized offers based on user preferences. - Gamified rewards system. | - Limited to local merchants. - Restricted redemption options. |
FreeCharge | - Seamless integration with banking services. - Wide acceptance among merchants. - Easy redemption through e-wallet. | - Limited cashback offers on shopping. - Focus primarily on bill payments and recharges. |
CouponDunia | - Wide variety of coupons and deals across categories. - Offers cashback rewards. - Real-time notifications for deals. - Seamless integration with online shopping. | - Cluttered app navigation and user interface. - Occasional accuracy and validity issues with coupons. - Limited inclusive deals for smaller regions. - Customer service could be improved. |
Google Pay | - Cashback on various transactions. - Integration with Google services. - User-friendly interface. | - Limited partner network. - Cashback amounts may vary. |
Cred | - Comprehensive reward system. - Integration with various categories. - Multiple redemption options. | - Limited international support. - Occasional app glitches. |
PhonePe | - Comprehensive reward system. - Integration with various categories. - Multiple redemption options. | - Limited international support. - Occasional app glitches. |
Earn Coins for Shopping Celebrity Outfits and Trending Dresses, Footwear, and Fashion Accessories through benny. 1 Coin = ₹1!
Detailed Reviews of the Best Cashback Apps in India
Selecting a reliable cashback app is crucial to ensure you get the most value from your purchases. A trustworthy app should provide a seamless shopping experience and make it easy to redeem your cashback rewards.
Additionally, the app must offer excellent customer support to assist with any order cancellations or cashback issues. By choosing the right app, you can maximize your savings and enjoy a hassle-free shopping journey.
benny - Best cashback app for fashion shopping
Fashion shopping is one of the most demanding shopping niches apart from groceries and food shopping. Hence, saving money when you shop for clothes, jewelry, bags, or footwear can help you save a lot in the long run.
If you’re looking to streamline your fashion shopping experience with cashback feature, benny app is here to transform the way you shop. benny offers cashback in terms of "benny coins".
benny values you for being a loyal user of benny app and rewards you with cashback coins. 1 coins = ₹1 when you do fashion shopping with benny.
Here are some resources to learn more about benny:
benny - Official Website
Key Features of benny:
AI Fashion Apparel Search: Ever seen a fashion item you love and wished you could find something similar without the hassle? With benny, you can upload screenshots of fashion items and quickly find similar styles.
Shop Head-to-Toe Fashion: benny breaks down your uploaded image to find matches of all the fashion accessories and apparel in the image. If the uploaded search image has a lady wearing a dress with a necklace, boots, and a hat - benny will display matching fashion accessories and footwear too!
benny Coins: Shop and earn benny Coins, which you can redeem for discounts and exclusive rewards. This rewards system makes your shopping experience not only enjoyable but also rewarding.
Compare Prices and Deals: benny displays fashion dresses and accessories from multiple verified online stores like Myntra, Nykaa Fashion, Amazon, Ajio, and hundreds more. It also displays prices, sales offers, and free shipping to ensure you make a budget purchase.
Shop for high-end fashion at low cost: You can shop entire getups and attires of celebrities at low cost. For example, the famous Alia Bhatt Neon Lehanga look is available at benny with a starting price of ₹898 (may vary depending on stores). How does it work? A dress available at a designer store at a high cost can be available at Meesho in a similar version within ₹1000. Plus, you get benny coins fro completing a purchase through benny!
Transparent Rewards Tracking: You can track your reward coins on benny seamlessly and transparently.
Exclusive Rewards and Trends Updates: Stay in the know with regular updates about the latest fashion trends and rewards. benny keeps you updated so you never miss out on coins and what's new in fashion. Share results with friends and family, and manage your image uploads, and wishlist seamlessly.
Areas of Improvement in benny:
Awareness and branding:While benny offers an exceptional fashion shopping experience and coins, its current challenge lies in limited awareness among potential users. To address this, implementing a robust awareness and branding strategy is essential.
Why Choose benny?
Whether you're a fashion enthusiast or just looking for a better way to shop for your wardrobe, benny offers a focused and rewarding experience that makes fashion shopping enjoyable and effortless. Give benny a try and see how it can elevate your fashion cashback game!
MagicPin - Best Cashback App for Local Deals
MagicPin is a leading cashback app that stands out for offering deals and cashback on local experiences and establishments. It’s perfect for users looking to save money on nearby restaurants, shops, and services.
Here are the resources to explore more about MagicPin:
Key Features of MagicPin
Cashback on Local Deals: MagicPin excels by offering cashback on local experiences and deals. Whether you're dining out, shopping, or seeking services nearby, you can earn cashback at local merchants, making it a top choice for discovering savings in your area.
Personalized Offers: Using data-driven insights and user preferences, MagicPin delivers personalized recommendations tailored to your shopping habits. This enhances the relevance of the cashback offers, ensuring you get deals that are most useful to you.
Gamified Rewards: MagicPin integrates gamification elements like challenges and rewards, making the app engaging and fun to use. These features encourage continued usage by adding an element of excitement to your savings journey.
Areas for Improvement in MagicPin
Limited to Local Merchants: MagicPin shines in offering deals on local merchants, but its appeal may be limited in regions with fewer partner stores. Users in such areas might find fewer options for cashback deals, reducing the app’s overall value.
Restricted Redemption Options: Some users might find MagicPin's redemption options less versatile compared to other cashback apps. The limited flexibility in utilizing earned rewards could be a drawback for those who prefer more diverse ways to use their cashback.
Why Choose MagicPin?
MagicPin is ideal for users who love exploring local deals and saving on everyday purchases in their neighborhood. With its unique focus on local merchants, personalized offers, and engaging gamified rewards, MagicPin offers a distinctive and enjoyable shopping experience.
However, if you’re in an area with fewer partner merchants or prefer a wider range of redemption options, you may want to explore additional cashback apps to complement MagicPin’s offerings.
FreeCharge - Best cashback app for bill payments
FreeCharge is renowned as the go-to cashback app for bill payments, offering users lucrative rewards and discounts when settling their bills. Whether it’s electricity, gas, water, or mobile phone bills, FreeCharge ensures that users not only pay their bills conveniently but also earn cashback in the process.
Here are some resources to learn more about Free Charge:
Key Features of FreeCharge:
Integration with Banking Services:FreeCharge seamlessly integrates with users' bank accounts and payment cards, facilitating easy and secure transactions.
Wide Acceptance:With widespread acceptance among merchants and online platforms, FreeCharge offers users numerous opportunities to earn cashback on their transactions.
Easy Redemption through E-Wallet:FreeCharge simplifies the redemption process by allowing users to instantly access their cashback rewards through their digital wallet, enabling convenient usage.
Areas of Improvement in FreeCharge:
Limited Cashback Offers on Shopping:While FreeCharge excels in facilitating bill payments and mobile recharges, its cashback offers on shopping transactions may be comparatively limited, potentially reducing its appeal for users seeking rewards on retail purchases.
Focus on Bill Payments and Recharges:The app primarily focuses on bill payments and mobile recharges, which may limit its utility for users seeking cashback on a broader range of transactions, such as online shopping or dining out.
Why Choose FreeCharge?
FreeCharge stands out as the ultimate choice for bill payments, offering unmatched convenience, reliability, and rewards. By using FreeCharge, users not only streamline their bill payment process but also unlock opportunities to earn valuable cashback on every transaction.
CouponDunia - Best e-commerce cashback app
CouponDunia is a well-known cashback and coupon website in India, offering users substantial savings through exclusive discounts and cashback offers. Whether you're shopping online or at physical stores, CouponDunia partners with thousands of retailers to bring you the best deals, helping you save money on a wide range of purchases.
Here are the resources to explore more about CouponDunia:
Key Features of CouponDunia:
Wide Variety of Coupons and Deals: CouponDunia offers an extensive array of coupons and deals across various categories such as travel, electronics, clothing, food, and more. This makes it a one-stop shop for users looking to save on virtually every type of purchase.
Cashback Rewards: Users can earn cashback over and above the discounts they get through coupons. This cashback can be transferred to their bank accounts, used for mobile recharges, or redeemed as gift vouchers, depending on their preference.
Real-Time Notifications: The platform provides real-time alerts and updates about new and expiring deals, ensuring that users can take advantage of offers before they disappear.
Seamless Integration with Online Shopping: CouponDunia's browser extension automatically applies the best available coupons at checkout, making the process of finding and using discounts effortless for online shoppers.
Areas of Improvement in CouponDunia
App Navigation and User Interface: Some users may find the interface cluttered or overwhelming due to the sheer volume of deals available. Simplifying the navigation and improving the user interface could enhance the overall user experience.
Accuracy and Validity of Coupons: Occasionally, users may encounter expired or invalid coupons. Improving the accuracy and timeliness of updating coupon validity could help maintain user trust and satisfaction.
Inclusive Deals for More Regions: While CouponDunia covers a wide range of retailers, expanding more inclusive deals and coupons for users in smaller cities and towns could broaden its user base.
Customer Service: Enhancing customer service to address user complaints and questions more efficiently and effectively can improve user satisfaction and loyalty.
Why Choose CouponDunia?
CouponDunia is ideal for users who want to save on a wide range of purchases, from everyday essentials to luxury items. With its extensive partnerships, cashback rewards, and real-time notifications, it provides a comprehensive solution for savvy shoppers.
By addressing areas for improvement, CouponDunia can further enhance its user experience and expand its reach across India.
Google Pay - best cashback app UPI
Google Pay has emerged as the premier cashback app for UPI transactions, offering users lucrative rewards and a seamless payment experience. Before we delve into its features and potential areas for improvement, here are some resources to learn more about the app:
Key Features of Google Pay:
Cashback on Various Transactions: Google Pay offers cashback rewards on various transactions, including payments, shopping, and more, providing users with multiple avenues to earn rewards.
Integration with Google Services: With seamless integration with other Google services, such as Gmail and Google Maps, Google Pay enhances the user experience and convenience of transactions.
User-Friendly Interface: The app features a simple and intuitive interface, making it easy for users to navigate, make payments, and access cashback offers effortlessly.
Areas of Improvement in Google pay:
Limited Partner Network: Google Pay's partner network may be comparatively limited in certain regions or industries, potentially restricting earning opportunities for users, especially in areas with fewer supported merchants.
Cashback Amounts May Vary: Cashback amounts and offers may vary based on factors such as location, transaction type, and partner agreements, leading to inconsistencies in earning potential for users.
Why Choose Google Pay?
Google Pay stands out as the go-to cashback app for UPI transactions, offering users a seamless and rewarding payment experience.
While it may have some limitations, such as a limited partner network and varying cashback amounts, its integration with Google services and user-friendly interface make it a top choice for those looking to earn rewards on their transactions.
Cred - The Best Cashback App for Credit Card Payments
Cred is a leading cashback app designed specifically for credit card payments, offering users a seamless and rewarding experience. By leveraging its comprehensive rewards program and multiple redemption options, Cred stands out as the ultimate choice for credit card users looking to maximize their benefits.
Here are the resources to learn more about CRED:
Key Features of Cred:
Comprehensive Reward System: Cred offers users a comprehensive rewards program covering various categories like dining, shopping, and entertainment, providing diverse earning opportunities.
Integration with Various Categories: With its broad integration across different sectors, Cred enables users to earn rewards for a wide range of activities, from dining out to purchasing groceries.
Multiple Redemption Options: Users enjoy the flexibility to redeem their rewards in various ways, including cashback, gift vouchers, and mobile recharges, catering to different preferences.
Areas of Improvement in Cred:
Limited International Support: Cred's focus on the Indian market may result in limited support for international users, potentially excluding a segment of potential customers.
Occasional App Glitches: Some users have reported encountering occasional glitches or technical issues while using the Cred app, which may disrupt the user experience and lead to frustration.
Why Choose Cred?
Cred offers credit card users a hassle-free way to earn rewards on their payments. With its comprehensive rewards program and flexible redemption options, Cred ensures that users can maximize their benefits while enjoying a seamless experience.
PhonePe - The Best Cashback App for Recharge
PhonePe is renowned as the top cashback app for recharge, offering users a comprehensive rewards program and multiple redemption options.
With its seamless integration across various categories and user-friendly interface, PhonePe ensures users can earn rewards on a wide range of activities while enjoying a hassle-free experience.
PhonePe Reviews on Playstore
Key Features of Phone Pay:
Comprehensive Reward System: PhonePe offers users a comprehensive rewards program covering various categories like dining, shopping, and entertainment, providing diverse earning opportunities.
Integration with Various Categories: With its broad integration across different sectors, PhonePe enables users to earn rewards for a wide range of activities, from dining out to purchasing groceries.
Multiple Redemption Options: Users enjoy the flexibility to redeem their rewards in various ways, including cashback, gift vouchers, and mobile recharge, catering to different preferences.
Areas of Improvement in Phone pe:
Limited International Support: PhonePe's focus on the Indian market may result in limited support for international users, potentially excluding a segment of potential customers.
Occasional App Glitches: Some users have reported encountering occasional glitches or technical issues while using the PhonePe app, which may disrupt the user experience and lead to frustration.
Why Choose PhonePe?
PhonePe stands out as the preferred choice for users seeking cashback rewards on recharge. With its comprehensive rewards program and multiple redemption options, PhonePe ensures users can maximize their benefits while enjoying a seamless experience.
What is the meaning of UPI Cashback?
UPI Cashback is like a reward you get for using a certain payment system called Unified Payments Interface (UPI). With UPI, you can quickly send money between bank accounts using your phone. When you use UPI to make payments, send money to friends, or pay bills, some banks or apps might give you cashback rewards as a thank you.
This cashback can go straight into your bank account linked to your UPI ID or stay in your payment app for later use. The amount of cashback you get can change, and there might be certain rules you need to follow to qualify. Cashback is a way to encourage people to use UPI more and to thank them for using it.
How to Choose the Right Cashback App for Your Needs
Choosing the right cashback app can be overwhelming given the plethora of options. Here are some key factors to consider:
Match stores and apps
Importance: Ensure the app offers cashback on stores you are shopping from.
Example: benny offers cashback rewards in the form of coins for shopping with any of the hundreds of fashion shopping stores it has collaborated with.
Ease of Use
Importance: A user-friendly interface is crucial for tracking and redeeming cashback efficiently.
Example: benny’s intuitive design makes it easy to navigate and manage your earnings.
Redemption Flexibility
Importance: Look for apps that offer multiple redemption options such as bank transfers, gift cards, and vouchers.
Example: Apps like FreeCharge and benny allow for various redemption methods, making it convenient to use your cashback.
Special Features
Importance: Referral programs, gamified rewards, and exclusive offers can enhance the overall experience and savings.
Example: MagicPin’s gamified approach and local deals offer unique advantages over traditional cashback methods.
Which is the best cashback app in India?
As mentioned earlier different cashback apps are best for different types of purchases and uses.
The best cashback app for fashion shopping is benny. The best cashback app for local deals is MagicPin. The best cashback app for bill payments is FreeCharge. The best cashback app for e-commerce is CouponDunia. The best cashback app for UPI is Google Pay. The best cashback app for credit card payments is Cred. The best cashback app for recharge is PhonePe.
One of the standout features of benny is its easy and transparent rewards system. When you place an order directly through benny, you earn benny Coins. The best part? 1 coin = ₹1. This straightforward and generous cashback system ensures that every purchase you make adds tangible value to your wallet.
Whether you're buying a chic dress or trendy accessories, the coins accumulate quickly, making your shopping experience even more rewarding.
Maximizing Your Savings with the Best Cashback Apps: Tips and Tricks
To save maximum money while shopping online, you must utilize coupon codes, credit card offers, live sales, and deals on online shopping sites and apps. You should also compare prices and features of products across multiple stores and sites to ensure you pay a reasonable amount for the product.
Here are a few things to keep in mind:
Stacking Rewards
Strategy: Combine cashback with coupons, discounts, and seasonal offers to maximize savings.
Example: Use benny app to stack cashback coins on top of sales and free shipping offers for even greater savings. Check out our guide on which credit card is best for online shopping in India for more strategies.
Referral Bonuses
Strategy: Invite friends to use cashback apps to earn referral bonuses.
Example: EarnKaro offers significant referral bonuses, making it a lucrative option for networked savers.
Seasonal Promotions
Strategy: Time your purchases to coincide with festive sales and promotional events to maximize cashback.
Example: During Diwali, many apps offer enhanced cashback rates and exclusive deals.
➡️You can learn more about saving while shopping online from theUltimate guide to saving money while shopping online.
Common Questions About the Best Cashback Apps
Which app is best for giving cashback?
benny is one of the best cashback apps in India for fashion shopping. you win coins when you place an order directly through benny. 1 coin = ₹1. benny allows you to do a transparent tracking of your coins redemption.
Apart from benny, Free Charge, MagicPin, PhonePe, and Google Pay are also the best cashback apps in India.
Which app has the highest cashback?
For consistently high cashback rates across a fashion categories, benny stands out. PhonePe, Cred, FreeCharge, CashKaro, and Google Pay are among the highest cashback providers.
Are cashback apps safe?
Not all cashback apps are safe to use. You must verify the website and Play Store reviews of a cashback app to ensure it's safe to use.
benny app is a safe and secure platform for earning coin rewards (1 coin = ₹1). It prioritizes user privacy and security, ensuring that personal and financial information is protected while offering a transparent tracking system for coins collected.
Does Gpay give cashback?
Yes, Google Pay does offer cashback on certain transactions. The amount of cashback can vary from one transaction to the other.
How to get free cashback?
With benny, getting free cashback is straightforward. Place orders at your favorite fashion stores via benny to earn up coins. The coins are redeemable. 1 coin = ₹1.
Which is India's No 1 highest-paying cashback site?
benny is rapidly becoming one of India’s top cashback apps for fashion shopping. Apart from benny, Free Charge, MagicPin, PhonePe, and Google Pay are also the highest-paying cashback apps in India.
Is cashback real money?
Yes, with benny, the cashback you earn is real money. It can be directly redeemed into your bank account, giving you tangible savings that can be spent or saved as you see fit.
Is cashback good or bad?
Cashback is good! It offers real savings on purchases you were already planning to make, helping you stretch your budget further without encouraging unnecessary spending.
Which app pays the most cashback?
For shopping fashion products, benny app pays maximum cashback. Google Pay, MagicPin, Coupon Duniya, Cashkaro, and PhonePe also pay maximum cashback.
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