Hello, has anyone regularly used BHIM, Google Pay, and PhonePe, how do their cashback offers differ in terms of value and consistency?
Cashback on UPI Apps in 2025
Google Pay
Google Pay gives cashback mainly through scratch cards. The amount is not fixed, it is random. You will never know if you’ll get ₹100 or ₹5. It is exciting but not at all reliable.
PhonePe
It provides more regular cashbacks and also gives Super coins. You can use these coins for discounts, vouchers or shopping. If you do frequent payments, you’ll get rewards more often than with Google Pay.
BHIM
BHIM is very good app for payment purpose only. It rarely gives cashbacks except during special campaigns or festive season. It is more about UPI use than rewards.
| App Name | Type of Rewards Offered | Frequency of Cashback | Who Benefits the Most |
|---|---|---|---|
| Google Pay | Scratch cards (₹5 – ₹100+) | Random, not every payment | People who like surprises and fun rewards |
| PhonePe | Direct cashback + SuperCoins | Quite frequent, more steady | Regular bill payers and online shoppers |
| BHIM | Rare festive cashback | Very occasional | Users who only want a simple payment solution |