Discover the 9 Best UPI Apps in India for Convenient and Secure Payments

India’s digital payment revolution has been ignited by the widespread adoption of the Unified Payments Interface (UPI) technology, which has

best UPI apps in India

India’s digital payment revolution has been ignited by the widespread adoption of the Unified Payments Interface (UPI) technology, which has transformed how transactions are handled throughout the country. The quick increase in UPI transactions shows that millions of Indians favor these applications. As we go into the realm of the best UPI apps in India, we examine the top 9 UPI applications in India in this piece.


Learn about the features of Paytm, a comprehensive super financial app that has evolved from a prepaid recharge app:

1. Paytm began by offering mobile phones and DTH recharge services, then wallet and UPI transactions were added.
2. Rent payments, utility and bill payments, and movie, airplane, bus, and rail ticket bookings, are all available.
3. Paytm offers fast personal loans and investment possibilities and rewards customers with gift cards and rebates.
4. It provides medical services, including ordering prescription medications and scheduling lab testing.


Examine the distinctive qualities of CRED, an Indian fintech business that is well-known for its credit card management and payment services:

1. CRED offers credit card management and payment services, and customers are rewarded with points and coupons.
2. Users receive reminders to make timely payments on their credit card bills, which raises credit ratings.
3. CRED facilitates frictionless transactions and accepts UPI payments.
4. It is included in e-commerce platforms as a payment choice.
5. CRED has distinguished itself in the finance industry because of unconventional marketing tactics.


PhonePe has established itself as the best UPI app in India, providing consumers with a smooth and feature-rich experience. Let’s look at some of PhonePe’s standout qualities as one of the top UPI apps in India:

1. Numerous services, including online shopping, recharges, and food delivery, are available through PhonePe.
2. Through PhonePe, users receive cash back and reward points for their purchases.
3. The PhonePe autopay function makes it easier to pay bills and utilities.
4. For a seamless experience, access your favorite applications straight through PhonePe.
5. Mutual funds, insurance, and other investment opportunities are available through PhonePe.
6. For easy payments, PhonePe supports a variety of wallets.
7. Users may select UPI IDs for payments and manage various bank accounts.

Amazon Pay

Amazon Pay is the best UPI app in India; formerly a prepaid wallet, but now accepts UPI payments. Additionally, users may use it to invest and pay for services like utilities and tickets.

1. Initially a prepaid wallet, Amazon Pay has transformed into a UPI-integrated payment solution.
2. It offers easy transactions because of its strong integration with shopping and payment platforms.
3. Users can get additional savings and rebates When using Amazon Pay as a payment option.
4. It offers services including utility bill payment, ticket booking, and purchasing financial products like gold, insurance, mutual funds, and fixed-term deposits.
5. Co-branded bank credit cards from institutions like ICICI Bank provide wallet-loading services.

Google Pay

The development of Google Pay and its various features have boosted user adoption, making it one of the best UPI apps in India. Discover the standout qualities of Google Pay, one of the popular UPI applications in India:

1. Nearly 34% of India’s UPI transactions are now processed by Google Pay, revolutionizing contactless payments.
2. In 2018, it changed its name to Google Pay from Android Pay and Tez.
3. Users may manage various bank accounts, use wallet services, and receive rewards using “Scratch” cards.
4. Google Pay is available for Bill payments, internet shopping, cellphone recharge, and meal delivery.
5. It makes bill splitting simple and streamlines group transactions.


Explore the BHIM app’s main characteristics, which were created by the National Payment Corporation of India (NPCI):

1. BHIM app by NPCI offers fund transfers through UPI and supports various payment methods.
2. It provides essential services like utility bill payments, automatic EMIs, OTT subscriptions, insurance premiums, and IPO applications.
3. BHIM has faced criticism for slower transactions, but government incentives aim to boost its adoption and market share in person-to-merchant transactions.
4. The BHIM app offers necessary payment services and facilitates UPI transactions.
5. Among UPI applications, transaction speed and cashback incentives impact BHIM’s market share.


Thanks to the best UPI app in India, FreeCharge, a digital payment network, users may recharge their mobile phones, pay bills, and conduct online transactions. It provides a quick and safe payment experience with appealing rewards and discounts.

1. Freecharge offers to Buy Now Pay Later solutions and personal loans based on CIBIL scores.
2. It allows small companies to send consumers gift cards and payment reminders.
3. It Offers banking services, financial goal management, and financial ratings.

iMobile App

The ICICI Bank’s iMobile app is a complete banking app that enables users to do various banking-related tasks and transactions on their mobile devices.

1. Purchase tickets with ease for events, movies, and more.
2. Easily reload your DTH, cellphone, and other services.
3. Pay credit card bills, rent, and utility bills conveniently.
4. Examine the investing possibilities in gold, stocks, and mutual funds.


Mobikwik, first developed as a mobile recharge software in 2009, has evolved into the best UPI app in India for digital wallets and payment services.

1. It offers cash pickup and deposit, credit card payments, and UPI money transfers.
2. High cashback is provided via super cash and loyalty points.
3. It provides other financial services such as insurance, mutual fund investments, minor loans, credit card bill payment, merchant loans, EMI products, and Buy Now Pay Later (BNPL) choices via “ZIP.”

Airtel Thanks App

The Airtel Thanks app is a complete platform that integrates managing your Airtel connections with various payments and financial services effortlessly. You may take advantage of the ease of having access to all your Airtel services and financial activities in one location with this app.

1. The Airtel Thanks app lets you send and receive money via an e-wallet, UPI, and credit card by connecting your bank account.
2. Enjoy having access to Wynk Music and Airtel TV for streaming entertainment.
3. To send money without an internet connection, use Airtel Money, a service of Airtel Payments Bank.
4. As a VIP user, you may get free memberships to OTT services like Disney+ Hotstar.
5. Use the app to recharge your phone and pay your bills conveniently. 


Fidypay is your best option for creating a safe and efficient payment environment. Thanks to our flexible API stack, we enable businesses across various industries to tailor their payment experiences and cater to their unique needs. Fidypay offers the knowledge to help you whether you’re an NBFC, wealth management, fintech lender, or participant in the gig economy. We encourage you to contact us as we develop solutions and innovate more, particularly through SDKs. Let Fidypay be your dependable partner as you open new doors and propel your business forward in the payments industry.

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