Best UPI APP ?

[hriday.haria]

Hi All,
As you all are aware, there is a flood of UPI Apps in India.
Kindly suggest the best UPI Apps based on following points which used have use(d).
1. Best Offers/Rewards
2. Best App Experience UI/UX
3. Best Features
4. Best Success/Failure ratio
5. Best Overall

And lastly mention any UPI app if you know/think which will let you pay with UPI Using CC !

 

[ashwinkashwink is verified member.]

I personally prefer Amazon pay...

 

[prc1990]

Hi All,
As you all are aware, there is a flood of UPI Apps in India.
Kindly suggest the best UPI Apps based on following points which used have use(d).
1. Best Offers/Rewards
2. Best App Experience UI/UX
3. Best Features
4. Best Success/Failure ratio
5. Best Overall

And lastly mention any UPI app if you know/think which will let you pay with UPI Using CC !

Best UPI app in the order of their reward rates are as follows.

1. Amazon
2. Bajaj Finserv
3. Paytm
4. Mobikwik
5. Gpay/Freecharge

Also UPI bundled with CC is a newbie which hasn't been implemented yet. However, you can add VISA CC for certain set of banks in Gpay.

 

[hariselio]

Without considering rewards, paytm is the quickest and less(no) error UPI app. GPAY is worse in that way!

 

[SC_23]

Offers Amazon
UI Gpay

 

[akshayhs]

In terms of convenience and outreach, Google pay.

In terms of consistent rewards, Amazon pay.
Apart from these two, I don't use any other apps.

 

[AllSeeker]

I almost always use Freecharge, never experienced a single failure.
Followed by amazon pay, paytm and then sometimes (very rarely gpay)

Recently I've been also using IDFC mobile app but it has no real perks like rewards.

 

[Abhishek012]

For UPI rewards -

1) use Superpay app UPI (Chinta Money).

You will get Gold Cashback on UPI transaction + lottery offers available.

You will also get Gold cashback on all your card transactions too, if you allow access to your sms.

2) ICICI pockets app UPI, every month Free Rs250 Cashback (bank transferable)

1. Add money in pocket wallet UPI ID of minimum Rs. 3000 and get Rs. 50 cashback ( total 2 times)

you pockets wallet UPI ID is - Pockets.[youmobilenumber]@ICICI

for example - if your pockets register number is 99xxxxxxxx then send money to Pockets.99xxxxxxxx@ICICI

2. Send money from pockets upi linked bank account of Rs. 750+ and get Rs. 25 Cashback ( total 3 times )

3. Send money using pocket UPI of Rs. 750+ and get Rs. 25 cashback ( total 3 times )

Personally tried and got Rs. 250 cashback today.

If cashback not received for a transaction try next hour. 25 users will receive cashback per hour (I guess from previous experience)

3) Amazon currently offer 6% or 10% cashback on Amazon E-gift card purchase using Amazon UPI (i already post about this offer, check on credit card offer section).

--------------------------------------------------------------------------------------------------------------------------------------------------------

In terms of service -

1) Paytm UPI

and best bank for UPI transaction Paytm bank.

Success rate more than 99%+, if by chance transaction failure and money debited you will get refund within 2 days maximum, even you will get refund on holidays or midnight.

2) NSDL bank + linked with Amazon UPI

Sometimes NSDL bank is not working at night or midnight but day time always working perfectly and if by chance transaction failure and money debited, you will get refund within 2 days maximum.

Other UPI apps i rarely use -

GPay but i use @okICICI UPI handle, dnt use @okSBI UPI handle. you can change your UPI handle through GPay setting.

Imobile UPI app, Kotak 811 app UPI etc.

 

[ashwinkashwink is verified member.]

For UPI rewards -

1) use Superpay app UPI (Chinta Money).

You will get Gold Cashback on UPI transaction + lottery offers available.

You will also get Gold cashback on all your card transactions too, if you allow access to your sms.

2) ICICI pockets app UPI, every month Free Rs250 Cashback (bank transferable)

1. Add money in pocket wallet UPI ID of minimum Rs. 3000 and get Rs. 50 cashback ( total 2 times)

you pockets wallet UPI ID is - Pockets.[youmobilenumber]@ICICI

for example - if your pockets register number is 99xxxxxxxx then send money to Pockets.99xxxxxxxx@ICICI

2. Send money from pockets upi linked bank account of Rs. 750+ and get Rs. 25 Cashback ( total 3 times )

3. Send money using pocket UPI of Rs. 750+ and get Rs. 25 cashback ( total 3 times )

Personally tried and got Rs. 250 cashback today.

If cashback not received for a transaction try next hour. 25 users will receive cashback per hour (I guess from previous experience)

3) Amazon currently offer 6% or 10% cashback on Amazon E-gift card purchase using Amazon UPI (i already post about this offer, check on credit card offer section).

--------------------------------------------------------------------------------------------------------------------------------------------------------

In terms of service -

1) Paytm UPI

and best bank for UPI transaction Paytm bank.

Success rate more than 99%+, if by chance transaction failure and money debited you will get refund within 2 days maximum, even you will get refund on holidays or midnight.

2) NSDL bank + linked with Amazon UPI

Sometimes NSDL bank is not working at night or midnight but day time always working perfectly and if by chance transaction failure and money debited, you will get refund within 2 days maximum.

Other UPI apps i rarely use -

GPay but i use @okICICI UPI handle, dnt use @okSBI UPI handle. you can change your UPI handle through GPay setting.

Imobile UPI app, Kotak 811 app UPI etc.

Yeah pocket app is very good
I have also personally used

 

[AllSeeker]

For UPI rewards -

1) use Superpay app UPI (Chinta Money).

You will get Gold Cashback on UPI transaction + lottery offers available.

You will also get Gold cashback on all your card transactions too, if you allow access to your sms.

2) ICICI pockets app UPI, every month Free Rs250 Cashback (bank transferable)

1. Add money in pocket wallet UPI ID of minimum Rs. 3000 and get Rs. 50 cashback ( total 2 times)

you pockets wallet UPI ID is - Pockets.[youmobilenumber]@ICICI

for example - if your pockets register number is 99xxxxxxxx then send money to Pockets.99xxxxxxxx@ICICI

2. Send money from pockets upi linked bank account of Rs. 750+ and get Rs. 25 Cashback ( total 3 times )

3. Send money using pocket UPI of Rs. 750+ and get Rs. 25 cashback ( total 3 times )

Personally tried and got Rs. 250 cashback today.

If cashback not received for a transaction try next hour. 25 users will receive cashback per hour (I guess from previous experience)

3) Amazon currently offer 6% or 10% cashback on Amazon E-gift card purchase using Amazon UPI (i already post about this offer, check on credit card offer section).

--------------------------------------------------------------------------------------------------------------------------------------------------------

In terms of service -

1) Paytm UPI

and best bank for UPI transaction Paytm bank.

Success rate more than 99%+, if by chance transaction failure and money debited you will get refund within 2 days maximum, even you will get refund on holidays or midnight.

2) NSDL bank + linked with Amazon UPI

Sometimes NSDL bank is not working at night or midnight but day time always working perfectly and if by chance transaction failure and money debited, you will get refund within 2 days maximum.

Other UPI apps i rarely use -

GPay but i use @okICICI UPI handle, dnt use @okSBI UPI handle. you can change your UPI handle through GPay setting.

Imobile UPI app, Kotak 811 app UPI etc.

Can one withdraw money from pockets app in non ICICI bank a/c? I do have pockets app and even their virtual card, but I used it only couple of times and then I closed my ICICI account so don't know if its usable or not.

 

[BankExpertIndia]

Best According To Me Is GPay

 

[Abhishek012]

Can one withdraw money from pockets app in non ICICI bank a/c? I do have pockets app and even their virtual card, but I used it only couple of times and then I closed my ICICI account so don't know if its usable or not.

if you have mini kyc account then use Merchant UPI QR and pay (Paytm QR working).

Also complete full kyc on your pockets acc.

 

[prc1990]

if you have mini kyc account then use Merchant UPI QR and pay (Paytm QR working).

Also complete full kyc on your pockets acc.

Same number can be used for pocket app and iMobile?

 

[AllSeeker]

Same number can be used for pocket app and iMobile?

Yes, in fact imobile will show pockets card to manage it as well.

 

[AllSeeker]

if you have mini kyc account then use Merchant UPI QR and pay (Paytm QR working).

Also complete full kyc on your pockets acc.

Okay, so not having ICICI a/c anymore won't affect its usability, that's good then!

 

[prc1990]

For UPI rewards -

1) use Superpay app UPI (Chinta Money).

You will get Gold Cashback on UPI transaction + lottery offers available.

You will also get Gold cashback on all your card transactions too, if you allow access to your sms.

2) ICICI pockets app UPI, every month Free Rs250 Cashback (bank transferable)

1. Add money in pocket wallet UPI ID of minimum Rs. 3000 and get Rs. 50 cashback ( total 2 times)

you pockets wallet UPI ID is - Pockets.[youmobilenumber]@ICICI

for example - if your pockets register number is 99xxxxxxxx then send money to Pockets.99xxxxxxxx@ICICI

2. Send money from pockets upi linked bank account of Rs. 750+ and get Rs. 25 Cashback ( total 3 times )

3. Send money using pocket UPI of Rs. 750+ and get Rs. 25 cashback ( total 3 times )

Personally tried and got Rs. 250 cashback today.

If cashback not received for a transaction try next hour. 25 users will receive cashback per hour (I guess from previous experience)

3) Amazon currently offer 6% or 10% cashback on Amazon E-gift card purchase using Amazon UPI (i already post about this offer, check on credit card offer section).

--------------------------------------------------------------------------------------------------------------------------------------------------------

In terms of service -

1) Paytm UPI

and best bank for UPI transaction Paytm bank.

Success rate more than 99%+, if by chance transaction failure and money debited you will get refund within 2 days maximum, even you will get refund on holidays or midnight.

2) NSDL bank + linked with Amazon UPI

Sometimes NSDL bank is not working at night or midnight but day time always working perfectly and if by chance transaction failure and money debited, you will get refund within 2 days maximum.

Other UPI apps i rarely use -

GPay but i use @okICICI UPI handle, dnt use @okSBI UPI handle. you can change your UPI handle through GPay setting.

Imobile UPI app, Kotak 811 app UPI etc.

On doing scan and pay of min. 500, will there be any reward in Pocket app? How much cashback and how many times?

 

[Abhishek012]

On doing scan and pay of min. 500, will there be any reward in Pocket app? How much cashback and how many times?

send money or scan & Pay, same rewards cashback.

 

[prc1990]

Same number can be used for pocket app and iMobile?

What if it is not converted to full kyc? Will the services get stopped after 1 year?

 

[prc1990]

if you have mini kyc account then use Merchant UPI QR and pay (Paytm QR working).

Also complete full kyc on your pockets acc.

What if it is not converted to full kyc? Will the services get stopped after 1 year?

 

[Abhishek012]

What if it is not converted to full kyc? Will the services get stopped after 1 year?

I think Mini kyc expiry date is 2 years.