In India's rapidly evolving digital payment landscape, several UPI (Unified Payments Interface) apps have emerged, offering unique features and services. While giants like PhonePe, Google Pay, and Paytm dominate the market, several underrated UPI payment apps provide exceptional services that are often overlooked. Here are the top five underrated UPI payment apps you should consider:
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| Top 5 Underrated UPI Payment Apps You Should Try |
1. BHIM (Bharat Interface for Money)
Developed by the National Payments Corporation of India (NPCI), BHIM is a government-backed UPI app designed to facilitate fast and secure transactions. It supports all major Indian banks and offers a simple interface, making it ideal for users seeking a straightforward payment solution. BHIM also supports QR code payments and is available in multiple Indian languages, enhancing accessibility.
Key Features:
- Instant Money Transfers: Send or receive money directly to bank accounts using UPI ID or QR codes.
- Multiple Language Support: Available in 20 languages, catering to a diverse user base.
- Government Backed: Assured security and reliability being a government initiative.
Download Links:
- Android: BHIM on Google Play Store
- iOS: BHIM on App Store
2. Amazon Pay
Integrated within the Amazon ecosystem, Amazon Pay offers a seamless payment experience for online shoppers. Beyond shopping, it supports utility bill payments, mobile recharges, and ticket bookings. Users can also invest in financial products like gold, insurance, and mutual funds through the app. Its integration with Amazon's ecosystem provides added convenience for frequent users.
Key Features:
- Seamless Integration: Use your existing Amazon account for transactions.
- Rewards and Cashback: Avail exclusive offers and cashback on various services.
- Bill Payments and Recharges: Pay utility bills and recharge mobiles effortlessly.
Download Links:
- Android: Amazon Pay on Google Play Store
- iOS: Amazon Pay on App Store
3. Freecharge
Initially known for mobile recharges, Freecharge has evolved into a comprehensive digital payment platform. It offers services such as mobile recharges, bill payments, and online transactions. Freecharge also provides Buy Now Pay Later solutions and personal loans based on CIBIL scores, catering to a wide range of financial needs.
Key Features:
- Quick Recharges and Bill Payments: Supports a variety of services with instant processing.
- Financial Services: Offers personal loans and Buy Now Pay Later options.
- User-Friendly Interface: Simplified navigation for a better user experience.
Download Links:
- Android: Freecharge on Google Play Store
- iOS: Freecharge on App Store
4. iMobile by ICICI Bank
iMobile is ICICI Bank's mobile banking app that offers a wide array of banking services, including UPI payments. Users can perform tasks such as mobile recharges, bill payments, and ticket bookings. The app also provides investment options in gold, stocks, and mutual funds, making it a versatile tool for managing finances.
Key Features:
- Comprehensive Banking Services: Access to over 200 banking services.
- Investment Options: Invest in mutual funds, fixed deposits, and more.
- Card Management: Manage debit and credit cards directly from the app.
Download Links:
- Android: iMobile on Google Play Store
- iOS: iMobile on App Store
5. MobiKwik
MobiKwik is a digital wallet and payment app that offers UPI money transfers, mobile recharges, bill payments, and more. It provides high cashback through super cash and loyalty points. MobiKwik also offers financial services such as insurance, mutual fund investments, and Buy Now Pay Later (BNPL) options, catering to diverse financial needs.
Key Features:
- Instant Loans: Get credit up to ₹60,000 with the 'Boost' feature.
- Investments: Invest in mutual funds and digital gold.
- Secure Payments: Robust security measures for safe transactions.
Download Links:
- Android: MobiKwik on Google Play Store
- iOS: MobiKwik on App Store
Exploring these underrated UPI payment apps can provide you with a range of features and services tailored to your financial needs. Each app offers unique advantages, from government-backed security to integration with e-commerce platforms, ensuring a seamless and secure digital payment experience.