I didn't had to use. My bro did txn from his bhim app. He shared that cashback didn't came so I checked BHIM website for TnC and came here whether others facing such problem. Saw your topic. Then I got the answer that others too not getting and not every merchant will provide cashback.
I mostly rely on Jiomart gift vouchers which are available at Amazon at 3% discount and then Millennia CC gives 5%. So total 8%. They have better service than Amazon in my area for groceries.
Bhim cashback was 5% to 7.6% only which was less than even what we get everyday since long via Gift cards. I am not an avid shopper bro and spend on necessary things in life. Don't go after stuff looking at discount. Had nothing to buy for myself. haha
Thanks for all your concern and replies. 🙂