How to Save Money on Big Purchases Using Cashback Apps in 2025

Lisa, from a middle-class family in Mumbai, always dreamed of owning a new smartphone, stylish sneakers, and a trendy handbag, but her budget was tight. One day, during her office lunch break, she spoke to her colleague Riya, who always had the latest gadgets. Riya told her about cashback apps that give extra money back on purchases. Curious, Lisa decided to give it a try.

She found her new smartphone, originally priced at ₹30,000, on sale for ₹27,000. By using a cashback app offering 5% cashback, she saved ₹1,350, bringing the final price down to ₹25,650. For her sneakers, she used an app offering a 10% discount and ₹300 cashback, reducing the cost to ₹5,100. Finally, she uploaded her handbag bill on Magicpin and got ₹500 cashback.

In one month, Lisa managed to save over ₹6,000. Now, she always checks cashback apps before shopping.

Now, keep reading this blog and learn how cash-back apps can help you save money on big purchases!

1. Choose the Right App

If you want to save money on big expenses in 2025, cash-back apps can be a smart solution for you. Through these apps, you can earn extra cashback on every purchase, whether it is online or offline.

Top Cashback Apps for Online Shopping

1. CashKaro

CashKaro is India’s largest cashback and coupon platform, with over 1,500 e-commerce partners like Amazon, Flipkart, Myntra, and Nykaa. In 2024, CashKaro gave more than ₹300 crore in cashback to users.

Example:

This cashback can be transferred to your bank account or redeemed as gift vouchers.

2. Rakuten

Rakuten is a global cashback app that works through a browser extension. It alerts you about available cashback offers while shopping online. When you shop on a partnered site, Rakuten tracks your cashback.

3. Ibotta

Ibotta is a receipt-scanning app where you can earn cashback by scanning receipts after shopping for groceries and home goods. This app is very popular in the US, but some Indian stores are also included.

Best Cashback Apps for Offline Shopping

1. Dineout

With the Dineout app, you can book tables at restaurants and earn up to 20% cashback (₹300 max) on every transaction by paying through Dineout Pay.

Example:

The cashback is added to your Dineout wallet, which you can use for future dining bills.

2. Magicpin

Magicpin is a location-based app where you can shop at local stores, restaurants, and salons, upload your bills, and earn points. You can redeem these points as vouchers or discounts.

3. Nearbuy

With the Nearbuy app, you can get up to 90% off and cash back on local deals such as spas, salons, restaurants, and activities. Through CashKaro, you can also get additional cashback on Nearbuy deals.

Read More – Top 5 Credit Cards Offering Maximum Cashback

In 2025, the mantra for smart shopping is to save money on every expense by using cashback apps. Whether online or offline, you can enjoy shopping while staying within your budget through these apps.

2. Maximise Cashback

In 2025, if you want to maximise your cashback, using some smart strategies can help you increase your savings significantly. Here are some effective ways:

1. Cashback Stacking

Cashback stacking is a technique where you combine multiple rewards on a single transaction. This means using cashback apps, credit card rewards, and retailer loyalty points together. This way, you can get more benefits on every purchase.

Example:

This way, you can make significant savings on your purchases.

2. Extra Cashback Through Receipt Scanning

By using receipt-scanning apps like Ibotta, Receipt Hog, and Magicpin, you can earn extra cashback on your purchases. Simply scan your shopping receipts and earn points or cash back.

Popular Receipt Scanning Apps:

• Ibotta: Cashback on grocery and retail store receipts.
• Receipt Hog: Earn coins by scanning any store receipt, which can be redeemed for cash or gift cards.
• Magicpin: Earn points by uploading receipts from local stores and restaurants.

By regularly scanning receipts, you can earn ₹500-₹1,000 per month, depending on your spending habits.

3. Take Advantage of Referral Bonuses

Many cash-back apps offer referral programs where you can earn bonuses by referring new users.

Referral Bonuses:

• CRED: ₹500 reward for every successful referral.
• CashKaro: ₹30 bonus for signing up with a referral code.
• Paytm: ₹100 cashback on a friend's first UPI payment.

If you refer 5 friends a month, you can earn between ₹500 to ₹2,500, depending on the app.

Tips to Maximise Cashback:

• Choose the Right Credit Card: Select a credit card that gives more rewards in the categories you spend the most on.
  
  
• Check Offers Regularly: Keep an eye on offers from cashback apps and credit cards so you don’t miss out on new deals.
  
  
• Save Your Receipts: Keep your purchase receipts safe to scan them and earn extra cashback.
  
  
• Use Referral Programs: Refer friends and family to earn additional bonuses.

By using these strategies, you can earn maximum cashback on every expense in 2025 and boost your savings.

3. Plan Your Purchases

In 2025, if you want to save money on big expenses, you can make significant savings by using cashback apps the right way. Here are some effective strategies that will help you earn more cashback on every purchase:

1. Check Cashback Offers Before Every Big Purchase

Before making any big purchase, you should visit cashback apps like CashKaro, GoPaisa, or CouponDunia to check if there is any cashback offer available on your chosen retailer. These apps can give you exclusive cashback deals that are directly transferred to your bank account or wallet.

Example:

This way, you can save ₹1,000 to ₹2,500 on every big purchase.

2. Extra Savings Through Bulk Purchases

Bulk buying not only reduces the unit cost but also gives you extra rewards through cashback apps. Apps like MagicPin and PaisaWapas offer extra cashback or reward points on bulk purchases.

Example:

Bulk purchases come with higher cashback percentages, which increase your overall savings.

Additional Tips:

• Compare Multiple Cashback Apps: Each app has different offers. For the same product, compare offers across apps and choose the best deal.
  
  
• Check Payment Method: Some apps give extra cashback on specific payment methods like UPI or credit cards.
  
  
• Use Referral Programs: Refer your friends to earn additional bonuses.

By using these strategies, you can earn maximum cashback on every expense in 2025 and boost your savings.

4. Utilise App Features

In 2025, if you want to maximise your cashback rewards, you can make significant savings by using some advanced features of cashback apps. Here are some effective strategies that will help you earn more cashback on every purchase:

1. Use Browser Extensions

Cashback apps like Rakuten offer browser extensions that automatically alert you about available cashback offers. When you shop on a partnered website, these extensions track your cashback for you.

Example:

This way, you can save ₹80 to ₹600 on every online purchase.

2. Connect Credit Cards to Apps

Apps like CRED let you connect your credit cards so that you can automatically get cashback offers on your transactions. On CRED, you earn reward points (called CRED Coins) for every credit card bill payment. These can be redeemed for products, services, or discounts.

Example:

This way, you can save ₹50 to ₹150 on each credit card bill payment.

Additional Tips:

• Compare Multiple Cashback Apps: Each app has different offers. Compare deals across apps for the same product to find the best one.
  
  
• Pay Attention to Payment Method: Some apps give extra cashback on specific payment methods like UPI or credit cards.
   
• Use Referral Programs: Refer friends to earn additional bonuses.

By using these strategies, you can earn maximum cashback on every expense in 2025 and boost your savings.

Conclusion

In 2025, cashback apps have become a must-have tool for smart shoppers who want to save money on big purchases. By using the right apps and smart tricks, you can lower your expenses without compromising on quality. Whether you are shopping online or offline, platforms like CashKaro, Rakuten, Dineout, and Magicpin offer great cashback that adds up over time.

Also Read - Top 10 Banks Offering Cashback on UPI Payments

Buying during special sales or in bulk can help you save even more. Also, by scanning your receipts and referring friends, you can earn extra cashback, turning your regular spending into an easy way to earn rewards. 

In 2025, the smart shopper’s rule is simple: spend smartly, save easily, and let cashback apps do the work for you.

FAQs

1. How do cash-back apps help me save money?

Cashback apps give you a percentage of your spending back as rewards when you shop through their platforms, helping you reduce the final cost of purchases.

2. Which cashback app is best for online shopping in India?

CashKaro is one of the best cashback apps for online shopping in India, offering rewards on major platforms like Amazon, Flipkart, and Myntra.

3. Can I use multiple cashback apps for the same purchase?

Yes, you can stack cashback by combining app rewards, credit card discounts, and loyalty points to maximise savings on a single purchase.

4. Do cashback apps work for offline shopping too?

Yes, apps like Dineout, Magicpin, and Nearbuy offer cashback on offline purchases at restaurants, salons, and local stores.

5. How do I withdraw cashback earnings from these apps?

Most apps allow you to transfer cashback to your bank account, redeem it as gift vouchers, or use it for future purchases within the app.

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LoansJagat Team

We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?