What are the best UPI earning apps

UPI earning apps typically offer cashback and reward programs on transactions, referral bonuses, and app-specific promotions. Paytm is a top UPI app for money transfer, often providing cashback offers, such as up to 10% on initial transactions. For users with high annual UPI spends (above Rs 1 lakh), the Kiwi app may be beneficial due to its value-back and lounge access features.