Cashback Apps That Work on Exam Subscriptions in India

If you’re a student in India preparing for competitive exams, you already know how expensive online learning has become. Whether it’s UPSC, NEET, JEE, CAT, or state-level entrance tests, exam subscriptions from platforms like Unacademy, BYJU’S, Testbook, and PhysicsWallah can easily cost thousands per year.

But here’s a small trick that most students miss: using cashback apps to save money on exam subscriptions. Yes, a few payment apps and fintech platforms actually give you cashback, rewards, or points when you purchase subscriptions.

This article explores the best cashback apps that work on exam subscriptions in India, how they function, and smart ways to maximize your savings in 2025.

Why Use Cashback Apps for Exam Subscriptions?

Think about it: exam prep is a recurring cost. If you’re spending ₹5,000–₹20,000 annually on courses or mock tests, even a 5–10% cashback can save you ₹500–₹2,000. That’s enough to buy extra study material, a new headset for online classes, or even just pizza for your next group study session.

Unlike one-time discounts, cashback apps give recurring benefits. Every time you renew or buy a subscription, you’re earning back a small portion of your money. Over time, it adds up.

How Cashback on Exam Subscriptions Works

Cashback on exam subscriptions in India works in a few simple ways:

1. Direct App Cashback – Payment apps like PhonePe, Paytm, or Amazon Pay sometimes run special offers on education categories.
   
2. Card-Based Cashback – Some credit/debit cards offer extra rewards for online education spends.
   
3. Coupon + Cashback Portals – Websites like CashKaro or MagicPin list exam subscriptions with exclusive cashback offers.
   
4. UPI-Based Rewards – Apps like Google Pay occasionally give scratch cards for education-related spends.
   

Best Cashback Apps That Work on Exam Subscriptions in India (2025)

Here are the platforms that students should definitely check out:

1. Paytm

• Why It Works: Paytm regularly partners with edtech platforms like Unacademy and Testbook.
  
• Cashback Type: Wallet cashback, Paytm points, and vouchers.
  
• Extra Perks: You can use Paytm Postpaid if you don’t want to pay upfront.
  
• Pro Tip: Look out for Paytm EDU category offers during exam season.
  

2. PhonePe

• Why It Works: PhonePe has a strong UPI base and often runs education cashback campaigns.
  
• Cashback Type: Cashback directly into your PhonePe wallet or rewards section.
  
• Extra Perks: You can link your credit card to PhonePe to double-dip with bank cashback.
  
• Pro Tip: Always check the “Offers” section before making payments for subscriptions.
  

3. Amazon Pay

• Why It Works: Amazon Pay isn’t just for shopping. It supports subscriptions for BYJU’S and other exam platforms.
  
• Cashback Type: Amazon Pay balance cashback.
  
• Extra Perks: Can be used for shopping, recharges, or even ordering food.
  
• Pro Tip: During Amazon sales, education spends sometimes get bonus cashback.
  

4. CashKaro

• Why It Works: India’s leading cashback site partners with edtech platforms.
  
• Cashback Type: Real cashback (transferred to bank or Amazon gift cards).
  
• Extra Perks: You can stack CashKaro cashback on top of bank offers.
  
• Pro Tip: Log in through CashKaro every time before you purchase exam subscriptions.
  

5. MagicPin

• Why It Works: Known for vouchers and rewards, MagicPin also lists exam subscription deals.
  
• Cashback Type: MagicPin points redeemable for vouchers.
  
• Extra Perks: Vouchers can be used on food, fashion, or exam apps.
  
• Pro Tip: Check their “Education” category under vouchers for hidden gems.
  

6. Google Pay (GPay)

• Why It Works: Though unpredictable, GPay sometimes offers scratch card rewards for edtech payments.
  
• Cashback Type: Small but instant UPI rewards.
  
• Extra Perks: Works seamlessly with UPI-linked bank accounts.
  
• Pro Tip: Not reliable for every purchase, but worth trying if you already use GPay.
  

Comparing Cashback Apps for Exam Subscriptions

App/Platform	Cashback Type	Avg. Cashback	Best For
Paytm	Wallet/Points	2–5%	Regular exam subscriptions
PhonePe	Wallet/Rewards	1–5%	UPI users & card-linked offers
Amazon Pay	Balance	1–4%	Students who shop on Amazon
CashKaro	Bank/Gift Card	4–10%	Students buying from partner edtechs
MagicPin	Points	5–7%	Voucher hunters
Google Pay	Scratch Cards	Random (₹5–₹500)	Casual UPI users

Tips to Maximize Cashback on Exam Subscriptions

1. Combine Offers – Use a cashback portal like CashKaro along with a credit card that offers education rewards.
   
2. Time Your Purchases – Buy subscriptions during festive seasons (Independence Day, Diwali, New Year) when cashback offers are highest.
   
3. Check Student Discounts – Many exam apps give student-only discounts; stack these with cashback apps for extra savings.
   
4. Use Credit Cards for Double Benefits – A student-friendly credit card can earn you points on top of app cashback.
   
5. Track Expiry Dates – Some cashback expires if not used within 90 days.
   

Potential Downsides

• Limited Offers: Not all exam platforms are covered by cashback apps.
  
• Delayed Cashback: Sites like CashKaro may take weeks to confirm cashback.
  
• Minimum Transaction Value: Some apps only trigger cashback above a certain amount.
  

Despite these minor drawbacks, the savings usually outweigh the inconvenience.

FAQs on Cashback Apps That Work on Exam Subscriptions in India

1. Do all exam apps in India allow cashback?
Not all. Popular platforms like Unacademy, BYJU’S, and Testbook often partner with cashback apps, but smaller local apps may not.

2. Which cashback app gives the highest return on exam subscriptions?
CashKaro tends to offer the highest consistent cashback (4–10%) if your chosen exam app is listed.

3. Can students without a credit card use cashback apps?
Yes. Most cashback apps support UPI payments, debit cards, or wallets—no credit card needed.

4. Is the cashback instant or delayed?
Apps like Paytm or PhonePe usually give instant cashback. CashKaro and MagicPin may take 30–60 days for confirmation.

5. Can I stack multiple cashback offers?
Yes. For example, you can access BYJU’S through CashKaro, pay via Paytm wallet, and earn both Paytm cashback and CashKaro cashback.

Key Takeaways

Cashback apps that work on exam subscriptions in India are a hidden money-saving hack for students. Apps like Paytm, PhonePe, Amazon Pay, CashKaro, MagicPin, and GPay all provide different ways to save on costly online learning platforms.

If you’re a student spending thousands each year on courses, using these apps consistently can save you a significant chunk of money. Think of it as a financial “bonus” while you study.

So the next time you renew your exam subscription, don’t just pay blindly—open a cashback app, stack offers, and keep more money in your pocket. What’s your take on this topic? Share your favorite cashback app in the comments below.