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.

 

[SSV]

i thought it was a credit. how was this done, did it ask upi id for debit?

Yes you can choose one from below:
1) Gpay
2) Phonepe
3) Paytm
4) UPI id

 

[quino]

loaded with ₹100 using my PhonePe.

also, could you check dc load mcc in this wallet.

Yes I remembered now one gentleman asked you sometime ago in this thread, will slice take default phone number for UPI id creation..

🙋‍♂️

 

[SSV]

also, could you check dc load mcc in this wallet

Yes I will in the due course. Not everything on the first day itself…

Its good that your doubt was clarified about customised UPI id

 

[quino]

Yes I will in the due course. Not everything on the first day itself…

lol, checked on friend's phone. 1.5% charge on dc load. bye bye

 

[VibhavBilgoji]

Yes I will in the due course. Not everything on the first day itself…

Its good that your doubt was clarified about customised UPI id

are there actually charges for loading wallet via DC?

 

[SSV]

lol, checked on friend's phone. 1.5% charge on dc load. bye bye

are there actually charges for loading wallet via DC?

I have just now loaded ₹100..
This is entry in my RBL app…

 

[SSV]

are there actually charges for loading wallet via DC?

I have just now loaded ₹100..
This is entry in my RBL app…

View attachment 43043

More SS

 

[quino]

I have just now loaded ₹100..

while loading did it show you any indication that any charges are applicable? im surprised they are making this user-specific

 

[SSV]

while loading did it show you any indication that any charges are applicable? im surprised they are making this user-specific

Look at the above post SS

 

[SSV]

while loading did it show you any indication that any charges are applicable? im surprised they are making this user-specific

Add money SS




Add money via CC SS



Add money via DC for ₹100

 

[quino]

i understood now. i was adding more than 10k, for which they do charge 1.5%

 

[Vasuki]

Very good.
Yes I remembered now one gentleman asked you sometime ago in this thread, will slice take default phone number for UPI id creation..
When I was customising I thought of letting you know..
It’s cool that it took only 5 alphabets

Lekin iska kya faida .?.
Whats the benefits .. watching thread but understood nil

 

[SSV]

Lekin iska kya faida .?.
Whats the benefits .. watching thread but understood nil

That is why Go and study these… 😉 JJ

 

[SSV]

Lekin iska kya faida .?.
Whats the benefits .. watching thread but understood nil

As I just signed up, I will update the benefits soon..
It’s like another wallet app like Paytm .. features need to be explored..
But looks very promising for me as of now

 

[SSV]

i understood now. i was adding more than 10k, for which they do charge 1.5%

Correct.. until cumulative 10k no charges for DC, but after total of 10k charges apply…

 

[cardio_guy]

Google Pay. It has improved a lot from the earlier glitches and problems.
Maybe offers cashback is a little less, but otherwise very nice, user friendly, easy to use, less failures.
Also since it is linked to your google account, you can use it for all your Google purchases, manage it on web via pay.google.com and a lot more.

 

[VibhavBilgoji]

Correct.. until cumulative 10k no charges for DC, but after total of 10k charges apply…

View attachment 43053

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

 

[VibhavBilgoji]

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.

 

[SSV]

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

I don’t use Apay money feature..

 

[imdjay]

Correct.. until cumulative 10k no charges for DC, but after total of 10k charges apply…

View attachment 43053

@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.