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Too many UPI apps which one do you use - why its better

I started using UPI only lately, as tracking was messy with UPI for me . But now in the market there are lot of apps - clueless on which one to use.
I currently use the one provided by my savings back (icici) - yes is provides any name as label for upi id

Then used flipkart UPI linked to my UPI credit card - by default it pickedup my mobile number as label for upi id . But most transactions linked to creditcard fail as merchant is denying credit card based UPIs for me.

I have not used any other app to link my savings bank account for UPI transactions.

Any recommendations for a good UPI app which can offer cashbacks and not bloatware.
 
Bhim - PhonePe - gpay - super money - yes next and that's enough for upi need
If you need cashback on every payment or use go for super money app. Bhim also provide good cashback but not in every payment
 
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