Amazon Pay UPI referral code is BQEND5. Enter this verified invite code before making your very first UPI money transfer to unlock an instant ₹25 to ₹100 cashback reward credited directly into your Amazon Pay balance. With Amazon Pay UPI, you can send money to contacts, scan any Bharat QR code, pay electricity and water bills, recharge mobile numbers, and unlock scratch card rewards every single day.
Amazon Pay UPI Referral Code
Get Instant ₹25 Cashback on First Send Money or Scan & Pay Transfer
*Valid on first UPI money transfer of minimum ₹1 to any bank or UPI ID.
What is Amazon Pay UPI?
Amazon Pay UPI is a seamless National Payments Corporation of India (NPCI) approved payment service integrated into the standard Amazon shopping application. By linking your bank account to your phone number via Amazon Pay UPI handle (e.g. username@apl or username@rapl), you can transfer money 24/7 without exposing your sensitive bank account or IFSC numbers. Payments are authenticated securely with your 4-digit or 6-digit UPI MPIN.
Amazon Pay UPI Referral Code & Cashback Matrix (2026)
Here is an essential summary of the Amazon Pay UPI referral code and rewards terms:
| Feature | Amazon Pay UPI Details (2026) |
|---|---|
| Amazon Pay UPI Referral Code | BQEND5 |
| Welcome Cashback Reward | Flat ₹25 cashback on first UPI money transfer |
| Minimum Transaction Value | Just ₹1 (send to any friend, family, or UPI QR) |
| Refer & Earn Reward | ₹25 cashback per friend who registers and sends ₹1 |
| Daily Payment Benefits | Instant bill pay cashback, mobile recharge coupons, shopping discounts |
| Security Architecture | NPCI-compliant bank-grade encryption with multi-factor MPIN |
How to Setup Amazon Pay UPI & Apply Referral Code
To ensure your cashback reward is tracked properly, follow these step-by-step instructions inside the Amazon app:
Step 1: Open Amazon App & Navigate to Amazon Pay
Launch the latest Amazon shopping application on your phone. Tap on the menu icon or select the “Amazon Pay” dashboard from the home screen.
Step 2: Tap on “Send Money” or “Amazon Pay UPI”
Locate the UPI registration banner or tap the “Send Money” icon to begin your one-time bank registration.
Step 3: Enter Referral Code BQEND5 Before Linking Bank
On the initial UPI setup screen, tap on “Have a referral code?”. Type BQEND5 into the text box and tap Continue so your ₹25 cashback is locked in.
Step 4: Select Your Bank & Link Account
Choose your bank (State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, etc.) from the list. The app will send an automated SMS to securely detect your bank account.
Step 5: Set UPI MPIN & Verify Your Personal UPI ID
Set or confirm your 4-digit or 6-digit UPI MPIN. You will receive your dedicated Amazon UPI ID handle (e.g., yournumber@apl).
Step 6: Send Minimum ₹1 to Claim ₹25 Cashback
Make your first transfer of ₹1 or more to any friend, family member, or scan any shop QR code. The ₹25 cashback reward will be credited directly to your Amazon Pay Balance!
Unlocking Daily Cashback Offers in Rewards Hub
Every time you send money or scan merchant QR codes using Amazon Pay UPI, you unlock surprise scratch cards in the Rewards Hub:
- Bill Payment Cashback: Save 10% to 20% on monthly electricity, broadband, LPG cylinder, and piped gas bill payments.
- Mobile Recharges: Unlock flat ₹20 to ₹50 cashback on Airtel, Jio, and Vi prepaid recharges.
- Shopping Vouchers: Collect exclusive shopping discounts for electronics, fashion, and grocery purchases on Amazon India.
- Offline Merchants: Scan any phonepe, Paytm, or Google Pay QR code at grocery stores and cafes to earn instant cashback scratch cards.
Amazon Pay UPI vs Google Pay vs PhonePe: Key Differences
While all major Indian UPI applications operate on NPCI’s Unified Payments Interface, Amazon Pay UPI provides unique advantages for regular online shoppers:
- Instant 1-Click Shopping Checkout: With Amazon Pay UPI, you don’t need to approve payment requests in external apps. Checking out on Amazon is instant, reducing payment timeouts and dropped orders.
- Direct Amazon Balance Integration: Easily combine your bank UPI with existing Amazon Pay gift card balances or Amazon Pay ICICI credit card cashback on checkout.
- Reliable Server Uptime: Operating across multiple banking handles (Axis Bank @apl, Yes Bank @rapl), transactions have industry-leading success rates even during peak festive flash sales.
- Exclusive Daily Offers: Regular users receive targeted shopping coupons, flight booking discounts, and grocery savings unavailable on third-party UPI apps.
Amazon Pay UPI Refer & Earn Program
To discover more digital payment and bill payment bonuses, check out our verified BHIM referral code guide. You can invite your friends, family members, and contacts to set up Amazon Pay UPI and earn recurring cashback rewards:
Step 1: Open Invite Friends Dashboard
Inside the Amazon app, navigate to Amazon Pay > Invite Friends to access your unique referral dashboard.
Step 2: Share Invite Link on WhatsApp & SMS
Tap “Invite on WhatsApp” to send your direct invitation link and tell your friends to enter referral code BQEND5 during setup.
Step 3: Collect ₹25 Cashback Per Referral
When your friend links their bank account and sends ₹1 or more, Amazon deposits ₹25 directly into your Amazon Pay gift card balance. You can refer multiple friends to build significant shopping savings!
Frequently Asked Questions: Amazon Pay UPI Referral Code
What is the active Amazon Pay UPI referral code for 2026?
The active Amazon Pay UPI referral code is BQEND5. Applying this code before linking your bank account earns you flat ₹25 cashback on your first money transfer.
Where is the cashback deposited?
The referral cashback is deposited straight into your Amazon Pay Balance. You can use it across Amazon shopping, Swiggy, Zomato, Uber, recharge bills, and movie bookings.
Can I send money to any bank account or QR code?
Yes. Amazon Pay UPI is fully interoperable with Google Pay, PhonePe, Paytm, and BHIM. You can send money to any bank account via IFSC or scan any merchant QR code across India.
Are there any transaction fees on Amazon Pay UPI?
No. Standard peer-to-peer (P2P) money transfers and merchant UPI payments on Amazon Pay are 100% free of charge with zero convenience fees.