by BHIM App Download: Cashback Offers and How to Use BHIM UPI
Google Pay and PhonePe are widely used for UPI payments in India. But there is another UPI payment application that users can consider for making digital payments — BHIM UPI.
BHIM, which stands for Bharat Interface for Money, is a UPI-based payment app developed under the National Payments Corporation of India (NPCI). It allows users to send and receive money directly from their bank accounts using a UPI ID, mobile number or QR code.
Can you get cashback on every BHIM transaction?
This is an important point to understand before downloading the app.
BHIM’s official terms and conditions state that NPCI may introduce offers and cashback schemes for users. Such offers may be provided either by NPCI or by participating merchants and third parties.
However, cashback is not guaranteed on every transaction. The availability, amount and eligibility of any cashback depend on the particular offer and its terms.
Therefore, users should check the offer shown inside the official BHIM app before assuming that a particular payment will receive cashback.
What is the BHIM app?
BHIM is a UPI payment application that allows users to make instant bank-to-bank payments. Users can send money using a UPI ID, mobile number or by scanning a QR code.
The app also supports features such as:
- Sending and receiving money
- QR code payments
- Checking transaction history
- Bank account management
- UPI PIN management
- Bill payments
- UPI AutoPay
- IPO applications through UPI
- RuPay credit card payments through UPI, where supported
BHIM is available in multiple Indian languages, including Malayalam, making it easier for users across different parts of India to use the application.
How to download the BHIM app
Users can download BHIM from the official app stores.
Android users
Open the Google Play Store and search for BHIM UPI. Make sure you are downloading the official application.
iPhone users
Open the Apple App Store and search for BHIM UPI.
The official BHIM website also provides information about downloading and installing the application.
How to register on BHIM
After installing the app, users generally need to complete the registration process.
- Open the BHIM app.
- Select your preferred language.
- Verify the mobile number registered with your bank account.
- Set an app passcode.
- Link your bank account.
- Set or enter your UPI PIN as required.
- Create or use your BHIM UPI ID.
- Start making UPI payments.
According to BHIM’s official information, the mobile number used for registration should be associated with the bank account. A default UPI ID is created after successful registration.
How to make a payment using BHIM
Making a payment is simple.
You can select Send Money and enter the recipient’s UPI ID or mobile number. Alternatively, you can select Scan & Pay and scan the merchant’s UPI QR code.
Enter the amount, verify the payment details and authorize the transaction using your UPI PIN.
BHIM supports 24×7 UPI payments, allowing users to make payments to participating merchants and individuals at any time.
Check cashback and offers before making payments
If your main reason for installing BHIM is cashback, don’t assume that every payment will automatically generate a reward.
Instead, check the Offers/Cashback section or any promotional notification available in the official BHIM app. Offers can have conditions such as minimum transaction amounts, eligible merchants, transaction limits or validity periods.
BHIM’s terms specifically state that offers and cashback schemes may be introduced from time to time.
Be careful with fake cashback offers
Users should also be careful when searching for BHIM cashback offers online.
NPCI warns users about fake cashback links and scams. A genuine UPI transaction requires a UPI PIN to authorize a payment; users should never enter their UPI PIN merely to receive cashback or money. NPCI also advises users to avoid unknown apps and suspicious links.
Bottom line
BHIM is an official UPI payment app that can be used to send money, receive payments, scan QR codes and make various digital payments.
There may be cashback and promotional offers from time to time, but cashback on every transaction should not be assumed. Always check the current offer and its eligibility conditions inside the official BHIM app before making a payment.
For the safest experience, download BHIM only from the official app stores or the official BHIM website.
