PhonePe, one of India’s leading digital payment apps, has revolutionized the way people make payments, transfer money, and avail of various services. One of the standout features of PhonePe is its cashback offers, where users can earn cashback on specific transactions like bill payments, recharges, and shopping. However, many users often find themselves wondering: When will they receive their cashback?
In this blog, we’ll guide you on how to track your cashback on PhonePe, understand the conditions under which you’ll receive it, and how long it typically takes to credit to your account.
What is PhonePe Cashback?
PhonePe cashback is a reward given to users for completing specific transactions or participating in certain promotional offers. It could be a percentage of the total amount spent or a fixed amount depending on the offer. You can earn cashback on activities such as:
- Bill payments (electricity, mobile, DTH)
- Mobile recharges
- Shopping through PhonePe
- UPI transfers (in some cases)
- Partner merchant offers
Cashback earned can be used for future transactions or transferred to your PhonePe wallet.
How to Track Your Cashback on PhonePe
Tracking cashback on PhonePe is simple and can be done in a few easy steps. Here’s how you can monitor the cashback you’ve earned:
Step 1: Open the PhonePe App
- Open the PhonePe app on your smartphone and log in with your account details.
Step 2: Navigate to the ‘Rewards’ Section
- Tap on the ‘My Money’ or ‘Rewards’ tab at the bottom of the screen.
- Alternatively, you can also tap on the ‘Notifications’ icon at the top-right corner to view offers and cashback details related to your recent transactions.
Step 3: Check Cashback Offers
- In the Rewards section, you’ll see all the active and completed cashback offers that you’ve availed. Here, you can find:
- Ongoing cashback offers (like recharge, bill payment offers, etc.)
- Completed offers that show when cashback was credited.
- Upcoming cashback rewards (if applicable).
Step 4: View Detailed Cashback Information
- Tap on any cashback offer to view its terms and conditions, the amount of cashback earned, and the estimated date of credit.
- You can also find details on whether the cashback is pending or credited.
Step 5: Cashback Status
- If the cashback is still pending, you can see the status such as “Processing” or “Expected within X days.”
- If the cashback is credited, the date and amount will be shown in the ‘Cashback History’.
Step 6: View Cashback in Wallet
- Cashback typically gets credited to your PhonePe wallet or PhonePe bank account. You can check the amount in your wallet by going to the ‘My Money’ section and tapping on the ‘Wallet Balance’ tab.
How Long Does It Take to Receive Cashback on PhonePe?
The time frame for receiving cashback varies based on the type of transaction and the specific offer. Here are some typical scenarios:
1. Bill Payments and Recharges
- Cashback from bill payments and mobile recharges generally takes between 24 hours to 7 days to reflect in your PhonePe wallet.
- Some offers might take longer depending on the partner merchants or service providers.
2. Cashback for Online Shopping
- If you’ve made a purchase using PhonePe at partnered merchants or online stores, cashback can take 7-15 days to be credited to your account. This is typically due to the time required for merchants to validate your purchase and for PhonePe to process the reward.
3. Special Promotions and Offers
- For limited-time promotions or festive offers, cashback may be processed in 2-3 business days after completing the required action.
- Some promotions offer cashback only after a certain number of transactions, so keep track of the requirements.
4. Referral Offers
- If you’ve earned cashback from a referral program, you might have to wait for up to 7 days after your referred user completes their transaction before your cashback is credited.
5. UPI Transfers and Payments
- Cashback for UPI payments or transfers may take up to 5-7 business days to reflect in your wallet.
Why Might Your Cashback Be Delayed?
While PhonePe aims to deliver cashback quickly, there are some reasons why your cashback may be delayed:
- Terms and Conditions Not Met: Ensure that you’ve met all the requirements specified in the offer (e.g., minimum transaction value, eligible merchants, etc.).
- Pending Verification: Some offers require manual verification by PhonePe or the merchant before cashback is credited.
- Banking Delays: Occasionally, banking or transaction network issues can delay cashback processing.
- Promotional Offers with Delayed Credit: For certain promotions, cashback might be provided in installments or after a longer time frame.
If your cashback is delayed beyond the specified time, it’s recommended to contact PhonePe customer support for assistance.
How to Claim Cashback if Not Received
If your cashback doesn’t appear after the estimated time frame, you can take the following steps:
Step 1: Check the Offer Details
- Go to the ‘Rewards’ section and review the specific offer’s conditions. Ensure that you’ve met all the criteria for receiving the cashback.
Step 2: Contact Customer Support
- If the cashback is still not credited, go to the ‘Help & Support’ section in the PhonePe app.
- Select ‘Cashback & Offers’ and describe the issue you’re facing.
- You can also contact customer support via email or phone, providing details of the transaction and the offer.
Step 3: Follow Up
- PhonePe typically resolves cashback issues within 2-3 business days. If the issue persists, follow up with customer support and keep track of the transaction ID and offer details.
Conclusion
Tracking and receiving cashback on PhonePe is generally a straightforward process, but the time it takes for the cashback to be credited can vary depending on the offer and transaction type. By regularly checking your Rewards section, understanding the offer’s terms and conditions, and being patient, you can easily stay updated on when your cashback will be credited.
If there are delays or issues with cashback, always feel free to contact PhonePe support, as they are quick to assist in resolving any discrepancies. Keep an eye on new offers and promotions, as PhonePe often introduces limited-time cashback rewards for a variety of services.