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

[littlefinger]

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.

 

[Hope]

rn phonepay since its giving cb on every txn.
or supermoney it also gives on every merchant txn
and slice if above two over

 

[littlefinger]

rn phonepay since its giving cb on every txn.
or supermoney it also gives on every merchant txn
and slice if above two over

does phonepay give custom UPI id ? never used it till date.

 

[praful1947]

does phonepay give custom UPI id ? never used it till date.

Yes . .

 

[littlefinger]

Yes . .

Is full kyc needed for phonepe to use UPI ?

 

[praful1947]

Is full kyc needed for phonepe to use UPI ?

No .. .