Skip to content
Home / Apps / Google Pay: UPI & Cashback

Google Pay: UPI & Cashback

4.3
Apps Finance Apps Cashback Earn Money Online Finance Refer and Earn UPI
Rating4.3 ★
Downloads1B+
CategoryApps
AndroidAndroid & iOS · +91 number + bank
Join Google Pay with this invite, make one qualifying UPI payment, and get ₹21 cashback. You can also use referral code gf95m85. Rewards and rules are set by Google Pay and can change.

Pros & cons

Pros
  • Free UPI app from Google for send-money, bills and merchant payments
  • New users who join via this invite can get ₹21 after a first qualifying payment within 28 days
  • Extra ₹5–50 cashback possible during 4 weekly bonus quests if you accept the quest invite
  • Cashback goes to your Google Pay rewards and the linked UPI bank account
  • Works with an Indian bank account — no extra wallet KYC for basic UPI
Cons
  • You must be new to Google Pay — a phone, number, email or bank already used will not qualify
  • First payment must succeed within 28 days of joining, and a bank account must be linked
  • Not valid in Tamil Nadu, and not valid where prize schemes are prohibited
  • Insurance-premium payments and payments between the same credentials do not count
  • Scratch cards expire in 45 days; Google Pay rewards are capped at ₹9,000 per financial year
  • Terms can change, and Google can refuse rewards for fraud or ineligible activity

How to get this & earn coins

1 Complete the offer

01Tap Join Google Pay on this page, or open Google Pay and enter referral code gf95m85. Use an Indian +91 number that has never been registered on Google Pay.
02Link your bank account inside Google Pay — rewards are paid only after the bank is linked.
03Within 28 days, make one qualifying payment: send money to another Google Pay user, pay a bill in the app, pay a merchant with your Google Pay UPI ID, or pay an external bank account in the app.
04If the referral is valid, you get ₹21 cashback (and the person who invited you also gets ₹21). Rewards usually appear within 48 hours.
05New users also receive an invite to 4 weekly bonus quests — accept it, and qualifying payments those weeks can add extra ₹5–50 per successful payment. Scratch reward cards before they expire in 45 days.

2 Claim & redeem your coins

  1. Complete the goal above to earn 🪙 200 coins.
  2. Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
  3. We verify it manually and credit the coins to your account.
  4. Redeem your coins for free games, skins or game credits once you reach 2,000 coins.

About Google Pay

Google Pay is Google’s payments app for India. You link a bank account and pay through UPI — friends, bills, merchants, or another bank account. This page is an invite to join as a new user. After you install and sign up through the button, make one eligible payment; if Google Pay accepts the referral, you receive the welcome cashback shown in the app (currently ₹21 for the first successful qualifying payment). That figure is a campaign amount — not a salary and not a guaranteed monthly income.

Why users choose Google Pay

  • Everyday UPI for friends, bills and stores
  • Built by Google and used at very large scale in India
  • Optional referral cashback on a first qualifying payment for genuine new users
  • Rewards credit toward your linked UPI bank account
  • No separate prepaid wallet balance needed for basic transfers

Ratings & reviews: 4.3 from the official Google Play listing across 11 million+ reviews. The rating is from the Play listing and can change.

This page uses a Google Pay invite link. If you join through it, you and the inviter may each receive the reward Google Pay shows in your own accounts. The amount you pay for any transaction does not increase.

Tap the button, sign up with this invite (or code gf95m85), and complete one qualifying payment within 28 days to claim the welcome cashback if you’re eligible.

Ratings & reviews

4.3 6,906 reviews

Write a review

FAQ

How do I get the ₹21 cashback?

Join through the button on this page or enter code gf95m85, link your bank, and complete one qualifying payment within 28 days. You must be new to Google Pay.

What payments count?

Sending money to another Google Pay user, paying a bill in Google Pay, paying a merchant with your Google Pay UPI ID or number, or paying an external bank account in the app. Insurance premiums do not count.

Do I need to invest money beyond the payment?

No joining fee. You only send the payment you were already making. The cashback is a reward on that payment, not monthly income.

Why might I not get the reward?

The number, email, phone or bank was used on Google Pay before; you are in Tamil Nadu; the payment was too late, to the same credentials, or for insurance; or Google flagged the activity.

When does the cash arrive?

Google Pay says rewards are added to your rewards channel within 48 hours, and cashback goes to the linked UPI bank account. Scratch cards expire in 45 days if unused.

Is there a limit?

Across all Google Pay offers you can receive up to ₹9,000 per financial year (1 April to 31 March). This campaign also limits referrals on the inviter's side.

Does this cost me extra?

No. Using the invite does not add a fee on your UPI payment — you pay the same amount you intended to pay.

You might also like

Earn 200 reward points

Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.

Log in / sign up to claim points

Disclosure: this page contains referral links. If you sign up through them we earn a fee at no extra cost to you. It never changes which apps we recommend.