Best Cashback Apps & Coupon Sites in India 2026 – Complete Guide

Double Your Savings with Cashback & Coupons

Most Indian shoppers stop at comparing prices. But the smartest shoppers go further — they stack cashback, coupons, and bank offers to save an additional 5-20% on top of the sale price.

Here's your complete guide to maximizing savings in 2026.

Top Cashback Apps in India

1. CRED

Originally a credit card bill payment app, CRED now offers cashback on purchases through CRED Pay. Benefits:

• Cashback on credit card bill payments
• CRED coins redeemable for brand vouchers
• Exclusive deals from partner brands
• CRED Pay UPI gives additional cashback on select merchants

2. Paytm

India's most-used digital wallet still offers solid cashback:

• Paytm Postpaid cashback on online shopping
• Movie and travel booking cashback
• Paytm Mall exclusive deals
• Scratch cards on UPI payments

3. Amazon Pay

Load money into Amazon Pay balance for extra savings:

• Cashback on loading balance
• Additional discount when paying via Amazon Pay
• Reward points on Amazon Pay ICICI card (5% on Amazon)

4. PhonePe

• Cashback on merchant payments
• PhonePe Switch for in-app shopping deals
• Insurance and mutual fund cashback offers

5. CashKaro

India's largest cashback platform. Shop through CashKaro links to earn extra cashback:

• 3-8% cashback on Flipkart, Amazon, Myntra
• Higher rates during sale events
• Cashback is paid to your bank account

Best Coupon Websites

1. GrabOn

Curated, verified coupons updated daily. Best for:

• Restaurant and food delivery codes
• Travel and hotel booking coupons
• E-commerce platform-specific codes

2. CouponDunia

One of India's oldest coupon platforms with both coupons and cashback offers. Good for regular shoppers who want reliable codes.

3. DealShare

Focused on grocery and daily essentials deals, particularly good for tier-2 and tier-3 cities.

How to Stack Savings (Example)

Let's say you want to buy a ₹5,000 product:

1. Compare prices on xrupe → Find it for ₹4,500 on Store A (₹500 saved)
2. Apply store coupon from GrabOn → ₹300 off (now ₹4,200)
3. Pay with HDFC card → 10% instant discount up to ₹500 (now ₹3,780)
4. Route through CashKaro → 5% cashback = ₹189 back (effective ₹3,591)

Total savings: ₹1,409 (28%) — just by stacking smartly!

Pro Tips for Maximum Cashback

• Always check CashKaro/Magicpin before any purchase — takes 10 seconds
• Use the right credit card for each store (Amazon-ICICI for Amazon, Flipkart-Axis for Flipkart)
• Load wallet balance during cashback offers — Amazon often gives 5-10% back on loading
• Stack sale discount + coupon + bank offer + cashback — all four can work simultaneously
• Check bank apps — HDFC SmartBuy, SBI YONO, and ICICI iMobile have exclusive merchant offers

Combine with Price Tracking

The ultimate savings strategy: Use xrupe to find the lowest base price across all stores, then stack cashback and coupons on top. You'll consistently pay 20-40% less than the average shopper.