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  • Writer's pictureMedha Pandey

Best Cashback Apps in India - Top 7 picks [Updated in June 2024]



best cashback apps in India
Best Cashback Apps in 2024

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.



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 - 


benny, MagicPin, FreeCharge, CouponDunia, Google Pay, Cred, and PhonePe are among the best cashback apps in India, each of them offering a specific set of benefits. 


As mentioned above, each of the cashback apps has its own set of benefits, not all of them might fit your needs. 


No worries, 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 by partnering with various 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.



Table: Pros and Cons of the Best Cashback Apps

Cashback App

Pros

Cons

benny

- Offers cashback from 160+ top stores. - All-in-one shopping app covering various categories. - Up to 40% cashback on orders. - Provides 1000+ verified live coupon codes. - Integration with bank offers. - Transparent cashback tracking. - Features like "Shop from your screenshots" and product comparison.

- 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.



best cashback apps in India


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, it’s important that the app offers 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 all types of online shopping

benny with 160+ leading stores like Amazon, Flipkart, Myntra, Ajio, Nykaa, and all top categories to shop, brings an in-app shopping experience for maximum savings through Cashbacks, brank offers, coupon codes, and live sales - all at one place.



Here are some resources to learn more about benny:


Key Features of benny:


  • 160+ top stores: benny brings 160+ top stores like Amazon, Flipkart, Myntra, Ajio, Nykaa, and Boat, all in one app. It's a super app.

  • All-in-One shopping app:  All important shopping categories like Electronics, Fashion, Beauty, Wellness, Travel, Food, E-commerce, Groceries, and Furniture are available on the benny app.

  • Cashback:  You can get up to 40% cashback on all the stores on your every order. Absolutely no limits to the number of times you get cashback.

  • Coupons:  It also ensures you're aware of the lastest coupons and promo codes. You can check from 1000+ verified live coupon codes. You can use these codes to save up to 50% on orders. 

  • Credit card offers:  You can avail all Bank offers on your own and friends' card offers in the benny app. Basically, benny allows you to share card offers with friends in one place so that you don’t have to ask them for card offers again and again. 

  • Sale:  You can check all live sales on top stores and brands.

  • Transparent tracking of cashback: Track all cashbacks and redeem them directly into your bank account with a click!

  • Shop from your screenshot: benny has tools like “Shop from your screenshots or Fashion Finder” and “Ask benny for offers” to help you shop and save. Loved a dress on an Instagram ad? Did you find it expensive? Or, not sure if you can trust the merchant? Don’t lose hope. Take a screenshot of the dress, upload it on benny, and find exact matches across reputed online stores and brands. Compare the features and prices, and shop accordingly. 78% of online shoppers utilize comparison tools to find the best deals.


  • Switch and compare: The “Switch” button allows you to toggle between stores and brands' products to compare their features and prices.  64% of consumers believe that comparing products or services helps them make informed decisions.


Areas of Improvement in benny:

  • Awareness and branding: While benny offers an exceptional online shopping and cashback experience, 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?

benny isn’t just a cashback app; it’s a smart shopping assistant that helps you save money and shop smarter. Whether you’re looking for the best deals on electronics, the latest fashion, or everyday essentials, benny makes shopping easier and more rewarding. 


With features like instant cashback, live coupon codes, and comprehensive product comparisons, benny is designed to give you the best online shopping experience.


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.



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:


Retailer Partnerships

  • Importance: Ensure the app partners with retailers you frequently shop with.

  • Example: benny partners with popular e-commerce platforms like Amazon and Flipkart.


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 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.


Why is benny the best cashback site in India?

benny is the best online shopping app with the the and the most unique features for any online shopper to benefit from and save tons of money!


With benny, you can shop on 11,000+ brands in just one app and get the best cashback, credit card offers, promo codes and coupons from all over the internet. 


Whether you want to shop for flight tickets, insurance, electronics, fashion. beauty products, or pet essentials, you get benefits with all available card offers and coupons. 


Here are the benefits of shopping with benny:


24/7 Live Deals and Discounts

With benny you can see all live sales 24/7 and never miss out of any offers. So why wait for sale and deals to go live when you can maximum money all round the year with benny. These are all the ways benny helps you save money while shopping:


1500+ live coupon codes

Unlock exclusive discounts across categories. Whether you’re shopping for flight tickets, insurance, or the latest gadgets, our coupons or promo codes have you covered.


Up to 40% cashback on orders!

Every successful order on benny earns you cashback. Imagine getting rewarded for every purchase. It’s like finding money in your virtual couch cushions!


1000+ shopping offers on all bank cards

Why settle for one shopping offer when you can have all? Our unique combination of credit card offers and cashback ensures you get the best of both worlds.




best cashback shopping apps in India


Maximizing Your Savings with 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 like benny. 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


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 the Ultimate guide to saving money while shopping online.




best cashback shopping apps in India



Common Questions About the Best Cashback Apps

Which app is best for giving cashback?

benny is highly recommended for giving cashback, offering up to 40% back on purchases from over 160 top stores. It combines ease of use with excellent cashback rates, making it a favorite among users seeking to maximize their savings.


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 variety of categories, benny stands out. Users can enjoy up to 40% cashback on every order, which is among the highest in the market, particularly when combined with additional discounts and credit card offers through the app.


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 cashback. It prioritizes user privacy and security, ensuring that personal and financial information is protected while offering a transparent tracking system for cashback earnings.


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. Shop as usual from your favorite stores via benny to earn up to 40% cashback. Additionally, take advantage of benny's referral programs, live sales, and verified coupon codes for extra savings.


Which is India's No 1 highest-paying cashback site?

benny is rapidly becoming one of India’s top cashback apps due to its high cashback rates - up to 40%, extensive partner network, and user-friendly features that enhance shopping experiences across major categories and stores.


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?

benny often pays the most cashback, particularly through its partnerships with over 160 leading stores where users can earn up to 40% cashback on their purchases. This, combined with its exclusive offers and live sale events, makes benny a top choice for maximizing cashback earnings.




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