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_]

Have you done any bank transfers?

Looks like they have reduced for everyone(including me)🤭

BTW few hundreds.

 

[SSV]

Looks like they have reduced for everyone(including me)🤭

BTW few hundreds.

CC = @2.05%
DC = @1.5%

 

[varun__goel_]

CC = @2.05%
DC = @1.5%

DC is free upto 10k IG.

 

[SSV]

DC is free upto 10k IG.

Yeah.. okay 10k free is alright.. after that how much are you charged for DC?

 

[varun__goel_]

Yeah.. okay 10k free is alright.. after that how much are you charged for DC?

Same charges i.e. 1.5%

 

[rafzy]

Received ₹499 CB on 59k payment…
Kaching …!!!

Paid via slice card right? Its a shame slice upi doesn't let us earn CBs

 

[SSV]

Paid via slice card right? Its a shame slice upi doesn't let us earn CBs

You need the pay close attention to the SS..
It was an UPI transaction

 

[Lobogris]

Payzapp is fairly good. In addition, most banks have their own UPI interface within their apps and all work fine. In general, I hardly use UPI unless forced to do some small payment to a small vendor which is rare. Credit card tap to pay is the easiest and most hassle free option.

 

[VibhavBilgoji]

Payzapp is fairly good. In addition, most banks have their own UPI interface within their apps and all work fine. In general, I hardly use UPI unless forced to do some small payment to a small vendor which is rare. Credit card tap to pay is the easiest and most hassle free option.

Bruh no one in this forum likes to do UPI because it's more convenient or hassle-free

We only use UPI when we aren't left with any other option. Otherwise we all love using Credit cards. In fact that is all this forum is about.

 

[#aniket]

Payzapp is fairly good. In addition, most banks have their own UPI interface within their apps and all work fine. In general, I hardly use UPI unless forced to do some small payment to a small vendor which is rare. Credit card tap to pay is the easiest and most hassle free option.

But Rupay Network is not accepted to add for Tap and Pay at TPAP as of now, excluding Samsung Wallet, one need to carry physical card for the payment. Also, NFC enabled sound box is not implemented fully right now, and POS is used usually by large merchants only.

 

[deep@vie]

Received ₹499 CB on 59k payment…
Kaching …!!!

Great, so you had to play fruit ninja to get it or it got credited automatically?

 

[SSV]

Great, so you had to play fruit ninja to get it or it got credited automatically?

Play the sh*t whatever it is called

 

[deep@vie]

Play the sh*t whatever it is called

Then not installing, I don't like to play shit🤣

 

[Lobogris]

But Rupay Network is not accepted to add for Tap and Pay at TPAP as of now, excluding Samsung Wallet, one need to carry physical card for the payment. Also, NFC enabled sound box is not implemented fully right now, and POS is used usually by large merchants only.

Yes, I was talking about physical card.

 

[#aniket]

Yes, I was talking about physical card.

Yeah, I knew it, but it's inconvenient to carry physical cards all time. NPCI/ Rupay should carry out an arrangement so that we can add the card in the app itself.🙂

 

[deep@vie]

Yeah, I knew it, but it's inconvenient to carry physical cards all time. NPCI/ Rupay should carry out an arrangement so that we can add the card in the app itself.🙂

It's convenient atleat for me,to carry few cards in my wallet.

 

[VibhavBilgoji]

huh guys, this may sound silly.
but why not use a neobank like Jupiter as a wallet?
sure, the debit card as annual fees, but if we only use the UPI, the account itself doesn't have any other fees.
and you get additional 3.05% interest on whatever amount you have deposited in that account.

 

[varun__goel_]

huh guys, this may sound silly.
but why not use a neobank like Jupiter as a wallet?
sure, the debit card as annual fees, but if we only use the UPI, the account itself doesn't have any other fees.
and you get additional 3.05% interest on whatever amount you have deposited in that account.

Account freeze is a major concern in these neobanks

And here we are talking about apps for good upi experience , and not bank accs.

 

[vine]

No love for the OG
BHIM
?

 

[Lobogris]

Yeah, I knew it, but it's inconvenient to carry physical cards all time. NPCI/ Rupay should carry out an arrangement so that we can add the card in the app itself.🙂

Not at all inconvenient. A card is light and tiny compared to a phone. One has to carry ID, driving license, RC etc anyway. A couple of cards are easy. They can stay in your pocket.