In India, Unified Payments Interface (UPI) applications have emerged as the preferred mode of digital payments, owing to their user – friendly nature and swift processing. To retain users and encourage larger transactions, the most popular UPI apps offer a plethora of incentives. These incentives range from cashback offers and scratch cards to loyalty – point rewards and exclusive deals. While the basic function of money transfer is standard across all platforms, the reward programs differ significantly among them.
This article provides an overview of the rewards and incentives that leading UPI apps in India, namely Google Pay, PhonePe, Paytm, and BHIM, are offering to their customers in 2025.
Google Pay
Google Pay’s reward system is centered around scratch cards, cashback opportunities, and promotional games. When customers undertake eligible transactions such as sending money, paying bills, or recharging their mobile phones, they are awarded scratch cards. These scratch cards can yield either cashback amounts or vouchers. Additionally, certain high – value rewards are unlocked when users achieve specific payment “milestones.” For instance, reaching the milestone of making five payments within a week can trigger these more substantial rewards.
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