Third-party · Wallet
MobiKwik
Bank-linked UPI plus a wallet path (Pocket UPI) that can pay without a bank account. Live cashback, where offered, has been scratch cards with a per-transaction cap.
Install and signup
How to start using MobiKwik
Use the checked provider route above, not an APK sent over chat. The ordinary bank-account UPI setup takes four steps.
- Open the official install or signup link and verify the app developer.
- Register with the mobile number linked to your bank account.
- Select the bank, allow the verification SMS, and choose the account.
- Create or confirm the UPI PIN. Never enter the PIN to receive money.
The questions
What MobiKwik can keep in one transaction trail.
Yes means that payment is supported. The goal is to keep most UPI payments easy to check later: status, reference ID, reversal and dispute path. Cashback is shown only as context.
| Payment | Supported | Reward note |
|---|---|---|
| Paying a shop | Yes | Up to 5% on eligible UPI with @IKWIK or @MBKNS; ₹50 per transaction cap on the campaign cited₹50 per transaction; up to three scratch cards a day, on the campaign described 22 September 2026 |
| Mobile recharge | Yes | — |
| Credit card bill | Not checked | — |
| Utility bills | Yes | — |
| FASTag | Yes | — |
| Sending money to a person | Yes | — |
| RuPay credit card on UPI | Not checked | — |
The published reward is for paying a shop. Sending money to a person is separate, and no rate is on file for that transfer. Do not treat it as a universal UPI return.
Mobile recharge is supported. That coverage matters more than whether a temporary cashback rate is published.
PSP bank on file: HDFC Bank, NSDL Payments Bank. That helps identify the payment route; it is not a reason to chase rewards.
Quoted from the source
Up to 5% cashback on every eligible UPI transaction made with the @IKWIK and @MBKNS handles, with a maximum cashback of ₹50 per transaction and up to three scratch cards a day.
withupi.comMobiKwik’s Pocket UPI lets you make UPI payments using a wallet balance without linking a bank account.
cashfree.comMobiKwik appears in the current NPCI TPAP source checked on 4 October 2026.
npci.org.in
Questions people ask
MobiKwik FAQs
What is MobiKwik?
Bank-linked UPI plus a wallet path (Pocket UPI) that can pay without a bank account. Live cashback, where offered, has been scratch cards with a per-transaction cap.
Is MobiKwik an NPCI-listed UPI app?
Yes. NPCI listed MobiKwik in its UPI PPI applications roster when checked on 4 October 2026.
How do I install and sign up for MobiKwik?
Open the official install or signup link on this page, verify the developer name, register with the mobile number linked to your bank, select the bank account, and create or confirm the UPI PIN. Never enter a UPI PIN merely to receive money.
Does MobiKwik need a bank account?
Not for every payment route. MobiKwik has a wallet or prepaid route on file, although bank-linked UPI features may still require an eligible bank account.
Which banks and UPI handles does MobiKwik use?
The PSP bank or banks on file are HDFC Bank, NSDL Payments Bank. Handles on file include @ikwik, @mbkns, @mbk.
Does MobiKwik give cashback or rewards?
Up to 5% on eligible UPI with @IKWIK or @MBKNS; ₹50 per transaction cap on the campaign cited. ₹50 per transaction; up to three scratch cards a day, on the campaign described 22 September 2026 Treat this as a bonus, not the main reason to use MobiKwik. For meaningful rewards and cashback, compare credit cards instead.
Does MobiKwik charge for UPI payments?
No app-use fee is verified in this record. Ordinary bank-account UPI payments are usually free to the customer, but card bills, wallet loading, credit products and other services can have separate fees. Check the confirmation screen before paying.
What is the daily UPI limit on MobiKwik?
There is no single verified MobiKwik limit in this record. The effective limit can depend on your bank, transaction type, beneficiary cooling period and the app's risk controls. Your bank and the live payment screen are the final sources.
Should I use MobiKwik only for rewards?
No. Use MobiKwik if it makes everyday UPI easier to check later: merchant payments, transfers, bills, recharges, bookings, transaction history, UPI reference IDs, reversals and support. UPI rewards are usually temporary and capped. For rewards and cashback, credit cards are normally the better product.
Is MobiKwik safe?
MobiKwik should be installed only from the official link or a verified app-store listing. Check the developer, never share an OTP or UPI PIN, and remember that a UPI PIN authorises money leaving your account—it is not needed to receive money.
What should I do if a MobiKwik payment fails but money is deducted?
Do not pay again immediately. Open the transaction, save the UPI reference, amount and time, check the bank account for a reversal, and raise a complaint inside MobiKwik if it does not reverse within the stated period. You can also use NPCI's official UPI Help service.