A PhonePe gift card is a prepaid balance for the PhonePe app in India. You add it to a PhonePe account with its card number and PIN, and the balance is then used automatically for payments at eligible merchants on PhonePe. On Refillarena you can buy PhonePe gift cards from 100 to 10,000 rupees and pay with crypto or the other options shown at checkout, which makes it an easy way to send money for spending in India from anywhere in the world.
This guide explains what a PhonePe gift card can and cannot be used for, current prices, how to buy one, how to claim it in the app, and the rules on validity and withdrawals.
Buy a PhonePe Gift Card
PhonePe India gift cards from INR 100 to INR 10,000, paid with crypto or card, with the card number and PIN sent by email.
What is a PhonePe gift card?
PhonePe describes its gift card as a semi-closed prepaid payment instrument, authorised by the Reserve Bank of India. In simple terms, it is stored value inside PhonePe that you can spend on eligible payments in the app, but not take out as cash.
Gift family in India
Send a code to a relative or friend in India. They add it to their PhonePe account and spend it on everyday payments.
Pay with crypto
You do not need an Indian bank card. Pay on Refillarena with Bitcoin, USDT and other coins, or the other options at checkout.
No fee to use
PhonePe states that no user fees or charges apply when a gift card balance is redeemed.
Use it in parts
The balance stays on the account, so it can be spent across several payments until it runs out or expires.
Where can you use a PhonePe gift card?
According to PhonePe's terms, a gift card can only be used for transactions with eligible merchants on the PhonePe platform. PhonePe gift voucher balances are typically used for things like mobile recharges, bill payments and payments on PhonePe partner platforms and stores.
If a payment costs more than the gift card balance, you pay the rest with another method in the app. If several gift cards are linked, PhonePe uses the one that expires soonest first.
What you cannot do with it
- You cannot withdraw the balance to a bank account or redeem it for cash.
- You cannot send the balance to another PhonePe account, reload the card or resell it.
- You cannot use it to buy another PhonePe gift card.
So if you have seen searches like "PhonePe gift card se paise kaise nikale" (how to withdraw money from a PhonePe gift card), the official answer is that it is not possible. Spend it on eligible payments instead.
PhonePe gift card prices on Refillarena
These are current Refillarena prices. Prices change with the exchange rate, so check the product page before paying.
| Gift card value | Refillarena price |
| INR 100 | USD 1.32 |
| INR 250 | USD 3.31 |
| INR 500 | USD 6.62 |
| INR 1,000 | USD 13.24 |
| INR 2,000 | USD 26.49 |
| INR 5,000 | USD 66.22 |
| INR 10,000 | USD 132.43 |
INR 150, 1,500 and 2,500 cards are also available. INR 10,000 is the largest value PhonePe allows for a single gift card.
How to buy a PhonePe gift card on Refillarena
- Open the PhonePe page and choose the amount in rupees.
- Add it to your cart and enter your email address carefully, because the card number and PIN are sent there.
- Choose a payment method, such as crypto (Bitcoin, USDT and others) or the other options shown at checkout.
- Complete the payment and keep your order number.
- Open your email and copy the card number and PIN, or forward them to the person in India you are gifting.
Paying with crypto? Match the coin, network and address to the invoice and send the exact amount shown. Stablecoins such as USDT keep the amount steady with no price swings.
How to claim a PhonePe gift card in the app
- Open the PhonePe app and go to your profile.
- Open All payment methods, then PhonePe Gift Card.
- Tap Claim now.
- Enter the gift card number and PIN from the email.
- The amount is added to your gift card balance and is selected automatically for eligible payments.
Menu names can change between app versions. If you cannot find the option, look for Gift Card under payment methods in your profile. The gift card balance is chosen by default when you pay, and you can untick it for any payment where you do not want to use it.
Validity and important rules
- PhonePe gift cards and any unused balance expire one year from the date of issue. Use the balance before then, because expired balances are not refunded.
- If a payment made with the gift card is cancelled within the validity period, the amount goes back to the gift card.
- The card is for individual use. PhonePe may ask for KYC details under Reserve Bank of India rules.
- PhonePe is not responsible for lost or stolen card details, so keep the number and PIN private until the card is claimed.
Free PhonePe gift card number and PIN: are they real?
Searches for free PhonePe gift card numbers and PINs are very common. Any code posted publicly has either already been claimed or was never valid, and pages offering free codes after a survey, an app download or a "verification" are after your data or ad revenue. Never share your PhonePe UPI PIN, OTP or password with anyone who promises a free gift card. A real gift card only comes from PhonePe or an authorised seller.
Gift money for spending in India in minutes
Choose the amount, pay the way that suits you, and send the card number and PIN to the person in India. To see what else you can pay for with crypto, read our guide on how to spend crypto in 2026.
