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_]

This is even better.. super .. it seems these guys are very simple yet practical and efficient from what I read in their website..
Just my gut feel..
Thanks Varun bhai for bringing this to my notice..
I will be Slicing from tomorrow onwards !!

Yupp I find Slice very convenient till date.

You also get a virtual rupay prepaid card which provides 1%cb

Physical also available.

 

[panchabhut]

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

amazon pay full kyc wallet UPI is good for payment. but it defaults to (mobile no)@amazonpay and there is no way to customise it.

 

[panchabhut]

This is even better.. super .. it seems these guys are very simple yet practical and efficient from what I read in their website..
Just my gut feel..
Thanks Varun bhai for bringing this to my notice..
I will be Slicing from tomorrow onwards !!

I have also switched to slice for last couple of months, particularly for the small payments. for me the main attraction is it can be used linked to a SIM/handset different from the primary bank SIM/handset and the ease of PIN-less txns.
did not opt for physical card as it was chargeable.

 

[SSV]

You also get a virtual rupay prepaid card which provides 1%cb

Yeah I saw this.. may be I will consider this after sometime as I got too many cards for my liking.. I want to keep my CC portfolio modest ..
Let’s see how well I slice in the near future

 

[SSV]

I have also switched to slice for last couple of months, particularly for the small payments. for me the main attraction is it can be used linked to a SIM/handset different from the primary bank SIM/handset and the ease of PIN-less txns.
did not opt for physical card as it was chargeable.

Correct..
no need of physical card in this world now..
FYI: I had only swiped only once in the entire CC usage history./ that too wanted to see how it works

 

[VibhavBilgoji]

No vkyc required
A selfie and a penny drop from bank acc

what does penny drop mean?

 

[panchabhut]

Correct..
no need of physical card in this world now..
FYI: I had only swiped only once in the entire CC usage history./ that too wanted to see how it works

I started using CC in 2003. Those days, many merchants even used mechanical swipe machines with special impression papers and physcial signature on charge slips.

 

[SSV]

what does penny drop mean?

One rupee deposit . I guess

 

[SSV]

I started using CC in 2003. Those days, many merchants even used mechanical swipe machines with special impression papers and physcial signature on charge slips.

I was in Australia then.. there we didn’t need to swipe.. just tell our cc numbers on phone..

 

[SSV]

I started using CC in 2003. Those days, many merchants even used mechanical swipe machines with special impression papers and physcial signature on charge slips.

Actually after getting these wallet apps, I just load the wallets and scan the QRs.. swipe would soon to be part of history..

 

[Phonix_YT]

Slice is prepaid wallet linked to UPI. Slice rewards for UPI is not good. But it does have the advantage of using a mobile no that is not linked to any of your bank acct. Works best if you are using two handsets, with the bank linked no in one handset and slice wallet linked no in another handset. There is no special wallet feature or auto card linked feature as required by OP. However, app experience is smooth.
No option for CC-UPI. But as OP is already using Payzapp so guess that is not needed.

For both devices need different pan card and adhar card?

 

[AritraSaha]

Yupp I find Slice very convenient till date.

You also get a virtual rupay prepaid card which provides 1%cb

Physical also available.

only upi option available for me & spark offers are gone..

 

[panchabhut]

For both devices need different pan card and adhar card?

no same only

 

[varun__goel_]

only upi option available for me & spark offers are gone..

Yes that spark offers have gone for good just a few days ago.
Virtual card not available for you?

 

[AritraSaha]

Yes that spark offers have gone for good just a few days ago.
Virtual card not available for you?

yes.. . .

 

[quino]

but it defaults to (mobile no)@amazonpay and there is no way to customise it.

is it customizable with slice wallet?

 

[panchabhut]

is it customizable with slice wallet?

nope but can be linked to different SIM (and even diff handset)

 

[COSMOCRAT]

there used to be lot of offers on paying via Paytm Wallet, ig we won't see those now😔

That train had already left in 2017-2019 when it was new and they were trying to acquire a userbase. Just stick to a reliable app with a smooth UI.
For rewards move as many spends as possible on credit cards or Gyftr vouchers.
UPI is not there for rewards anymore.

 

[zomato]

App performance & ui wise PAYTM is the best.

Wallet wise amazon pay or Mobikwik ( not included Paytm for recent issue)

Try kiwi for Rewards

how's mobikwik's UI?

 

[DetatedCapa]

Upi lite . Upi .
Is all done by npci not Paytm..
Other than Millniea*wallet reload ..
None used Paytm bank or Paytm wallet.

Does milennia debit card and Amazon pay wallet reload give you 1%?