Terms & Conditions for Paytm UPI Offers

Offer Duration: 30th September 2026
Offer Details: Assured cashback up to Rs 300



  1. Get ₹15–₹300 cashback via Paytm UPI for eligible users and earn assured Gold Coins on every payment. No coupon code required.
  2. Offer valid for users who have not used Paytm for any payment in the last 60 days.
  3. Valid on a minimum transaction value of ₹499 and applicable once per user per calendar month until 30th September 2026.
  4. Cashback is applicable only on payments made via Paytm UPI or Paytm UPI Lite on the Bakingo app/website.
  5. Eligible users will receive a scratch card on a successful transaction, available in the "Cashback & Offers" section of the Paytm app.
  6. Scratch cards for cashback expire within 2 days, and cashback (₹15–₹300) will be credited to the user's UPI-linked account within 24 hours after scratching.
  7. Users will also receive assured Gold Coins on each eligible payment, credited to the Gold Wallet upon scratching.
  8. Gold Coin scratch cards expire within 30 days and can be redeemed for real gold upon accumulating a minimum of 1500 coins.
  9. Offer cannot be clubbed with any other ongoing promotions on Bakingo and is non-transferable, non-refundable, and non-encashable.
  10. In case of fraudulent or suspicious transactions, Paytm reserves the right to cancel eligibility or revoke cashback/rewards.
  11. Bakingo shall not be liable for any failure by Paytm to honor the offer or for any technical issues attributable to Paytm.
  12. The offer is provided on a "best effort basis" and is valid only during the offer period.
  13. For any issues, users can contact Paytm Customer Support.
  14. Paytm and Bakingo reserve the right to modify, extend, or withdraw the offer or its terms at any time without prior notice, and Paytm's decision shall be final and binding in case of any dispute.