Best Cashback Apps in India 2026 — Earn Money on Every Purchase
Cashback apps are one of the most underused money-saving tools available to Indian shoppers. They give you additional money back on purchases you were going to make anyway — on top of existing discounts and coupon codes.
This guide covers every major cashback platform in India and tells you exactly how to use them to save the most.
How Cashback Apps Work
Cashback apps partner with e-commerce stores and earn affiliate commissions when you shop through their links. They share a portion of this commission back to you as cashback. You pay nothing extra — the brand pays the app, the app shares it with you.
The key: always start your shopping journey from the cashback app rather than going directly to the store.
Best Cashback Apps in India 2026
1. CashKaro — Best Overall Cashback App
CashKaro is India's largest cashback platform with 1,500+ partner brands including Amazon, Flipkart, Myntra, Nykaa, Swiggy, Zomato, and hundreds more. Backed by Ratan Tata personally.
Cashback rates:
- Amazon: 1-4%
- Flipkart: 1-5%
- Myntra: 5-8%
- Nykaa: 5-10%
- Swiggy: Rs 30-50 per order
How to withdraw: Bank transfer (minimum Rs 250), Amazon vouchers, Flipkart vouchers
Best feature: CashKaro Extra — additional coupons and discount codes on top of cashback
Best for: Comprehensive cashback across all major Indian platforms
2. EarnKaro — Best for Sharing and Earning
EarnKaro (also backed by Ratan Tata) combines cashback with a referral model. You earn cashback on your own purchases AND earn commission when your referral links result in someone else's purchases.
Cashback rates: Similar to CashKaro — 1-10% depending on brand
Additional earning: Commission on sales generated through your shared links — makes it excellent for WhatsApp group influencers and deal-sharing enthusiasts
Best for: People with large WhatsApp groups or social media following who can earn from others' purchases
3. CRED — Best for Credit Card Users
CRED rewards you for paying credit card bills on time — something you should be doing anyway. Earn CRED Coins on every bill payment redeemable for partner brand offers, travel, and exclusive experiences.
How it works: Link your credit cards, pay bills through CRED, earn coins. Redeem coins for discounts at 1,000+ brands.
Best cashback: CRED often has exclusive flash deals — 50-90% off experiences, restaurant vouchers, and brand discounts available only to CRED members
Eligibility: Credit score above 750 required
Best for: Credit card users who want rewards on mandatory monthly payments
4. Magicpin — Best for Offline Shopping
Magicpin focuses on local and offline shopping — giving cashback at restaurants, retail stores, supermarkets, and local businesses. Unique because it rewards spending that cashback apps typically miss.
How it works: Upload bills from local restaurants and stores, earn Magicpin points redeemable for future purchases at partner merchants
Best for: Regular restaurant diners, local store shoppers, people who want rewards on offline spending
5. PhonePe Switch — Best for App-Based Cashback
PhonePe Switch integrates 200+ mini apps — including Ola, Swiggy, Myntra — within the PhonePe ecosystem. Shopping through Switch earns PhonePe cashback on top of app-specific offers.
Best for: PhonePe users who want consolidated cashback without switching apps
Maximum Savings Strategy — Stack Everything
The best Indian shoppers stack multiple savings tools:
Step 1: Find coupon code on Aish4Aish (10-20% off)
Step 2: Click through CashKaro to the store (1-10% cashback)
Step 3: Use the right credit card (2-5% cashback)
Step 4: Apply bank card offer at checkout (additional 10% instant discount)
Example: Rs 5,000 Myntra purchase
- Coupon code: Rs 500 off (10%)
- CashKaro cashback: Rs 300 (6%)
- HDFC Millennia card: Rs 250 (5%)
- Total savings: Rs 1,050 (21% off)
FAQ
Which cashback app gives the most cashback in India?
CashKaro and EarnKaro consistently give the most cashback across the widest range of platforms. For credit card bill payments, CRED is the best. For offline spending, Magicpin is unmatched.
Is CashKaro safe and legitimate?
Yes. CashKaro is India's most established cashback platform, backed by Ratan Tata and completely legitimate. They have paid out Rs 500+ crore in cashback to Indian users.
How long does cashback take to credit?
Most cashback credits within 30-90 days after the return window expires. Pending cashback becomes confirmed once the store confirms the sale is not returned.