Seeking Guidance: Choosing the Best UPI App in 2024

[VibhavBilgoji]

Choosing the Best UPI App in 2024​

I'm writing to seek your assistance in choosing the best UPI app for my needs in 2024. With the vast array of options available, making an informed decision can be overwhelming.


I'm primarily looking for an app that excels in the following aspects:

• User Interface: A clean, intuitive, and user-friendly interface that allows for quick and effortless navigation.
• Offers: Attractive cashback, discounts, and rewards on UPI transactions, bill payments, recharges, etc.
• Wallet Features: Robust wallet functionality with features like expense tracking, budget management, and investment options (if available).
• Card Facilities: Seamless integration with credit and debit cards for payments, recharges, and bill payments.
• App Performance: Smooth and lag-free experience with appealing animations (if used tastefully).
• Overall Experience: A positive and enjoyable experience that exceeds expectations across all features mentioned above.

To provide some context, I typically use Payzapp for UPI payments. However, I'm open to exploring new options that offer a better overall experience.
Additionally, if you could share any specific insights or tips on features, functionality, or hidden gems I may have missed, it would be incredibly helpful.

 

[varun__goel_]

And can we directly use Amazon pay wallet money to pay cc bills via mobikwik?

I was thinking of adding money to amazon pay wallet via millennia DC, and then using it on mobikwik to pay CC bills, since someone said on this thread that loading via DC on mobikwik wallet is discontinued now.

Y e s

 

[varun__goel_]

Slightly unrelated, but I wonder does Amazon pay wallet have such charges for loading via debit card, (eg. Above 10k?)

N o o

 

[SSV]

@S S V one suggestion/request whenever you attach any image. Can you resize it before posting? You can do this by dragging the image corners.

Sure I do it to all my images , except for the ones above..

You know why??

All my previous ones are from desktop..
And the recent one from my iPhone..
But I know what you are saying..
Will resize them once on desktop

 

[Trust Me]

I am surprised no one talked about Amazon pay...
i mean it has a wallet, credit card to UPI, and also gives good rewards

Me too. I use it everyday. Works quickly, with 100% success rate. Didn't need to install any additional app. Don't feel the need for anything else.

 

[Trust Me]

But not many places to spend using wallet money..except for their crappy choices from shop section

PayZapp's virtual wallet card doesn't work like other cards?

 

[varun__goel_]

PayZapp's virtual wallet card doesn't work like other cards?

Can be used
If you have nfc enabled phone, you can also wallet balance for tap&pay

 

[SSV]

PayZapp's virtual wallet card doesn't work like other cards?

Can be used
If you have nfc enabled phone, you can also wallet balance for tap&pay

Except for above cases, there are many places it won’t be allowed for online payments, even if it is allowed there will be charges .
Practically one of the worst wallets out there

 

[panchabhut]

Payzapp app works best for paying with UPI-CC, particularly Tataneu CC. Fastest UPI-CC payment process and practically zero failure. But their wallet has too many restrictions. I use the wallet just for accumulating cashpoints and then converting to GV.

 

[MrKant]

Paytm might change all user upi id to to new banking patner as @paymt was supported by ppbl

 

[SSV]

Paytm might change all user upi id to to new banking patner as @paymt was supported by ppbl

Yes it will .

 

[quino]

Slightly unrelated, but I wonder does Amazon pay wallet have such charges for loading via debit card, (eg. Above 10k?)

no charges on dc load. i did ~15k on apay wallet.

 

[quino]

Yes it will .

i hope they take user consent before assigning the new upi id. i don't want @axispaytm/@hdfcpaytm forced upon me.

 

[panchabhut]

i hope they take user consent before assigning the new upi id. i don't want @axis/@hdfc

since its forced out of desperation, dont think they will.

 

[SSV]

i hope they take user consent before assigning the new upi id. i don't want @axispaytm/@hdfcpaytm forced upon me.

They will force it initially.. it will be mass update for seamless integration and migration..
Later may be flexibility

 

[quino]

since its forced out of desperation, dont think they will.

cool. will just de-link my bank acc & delete the upi id.

in paytm does anyone know what happens to our upi id once we de-link the bank? is there a procedure to delete the default & custom upi id

 

[Trust Me]

Except for above cases, there are many places it won’t be allowed for online payments, even if it is allowed there will be charges .
Practically one of the worst wallets out there

I remember successfully using the PayZapp wallet card on Amazon free of charge. Since I never had too many points accumulated, that was good enough for me.

 

[Trust Me]

i hope they take user consent before assigning the new upi id. i don't want @axispaytm/@hdfcpaytm forced upon me.

Funny that Amazon Pay UPI works brilliantly with its Axis backbone! But brilliant would be the farthest word from one's mind when it comes to dealing with Axis directly!

 

[SSV]

Funny that Amazon Pay UPI works brilliantly with its Axis backbone! But brilliant would be the farthest word from one's mind when it comes to dealing with Axis directly!

So then inference here:
If AMZN is in the mix , everything will be fine

 

[panchabhut]

Funny that Amazon Pay UPI works brilliantly with its Axis backbone! But brilliant would be the farthest word from one's mind when it comes to dealing with Axis directly!

Axis works in mysterious ways

 

[deep@vie]

So then inference here:
If AMZN is in the mix , everything will be fine

Amazon means service