abHere, I will be listing out the best useful payment applications by which you can pay and avail discounts and many more from these applications.
So, Let’s have a look over these options…
Paytm is one of the best payment application in which you can send and receive money by scanning the QR code, can link to your bank account, you can manage bank accounts, pay bills like Electricity bills, DTH bills, Landline bills, Cable TV bills, Loans, even you can book bus tickets, Train, Flights, Metro tickets. You can earn Rs.20 For every referral up to Rs.10,000. If you are using it regularly you can get Cashback too in booking journey tickets, Movie bookings, by doing shopping in specified shops, by purchasing electronics.
- Can send and receive money by QR code.
- Can be used as a bank.
- You can receive interest up to 7.50% per annum.
- Pay utility bills.
- Able to book all types of travel tickets.
- Cashback is available in every department.
- Huge cashback available on electronic products.
- You can buy Google Play cash.
|Huge discounts and cashback available on first purchase or user||You may overly dependent on the phone.|
|Wavering of service tax transaction upto Rs: 2000.||At present, new customers cannot have an account with PayTm Bank due to RBI issues.|
|Easy transactions within seconds.||Charges 3.04% when you transfer cash to your bank from PayTm wallet.|
|Use your credit cards to Loan the money in PayTm wallet.||If phone is lost or hacked, it may get security issue due to OTP sent to yout number.|
|You can transfer higher amount from wallet to another wallet.||Clothing like Shirts, Jeans, Women dresses are of Low-quality.|
|10% cashback on major Apple devices and many electronic devices.||Shipping is never-free.|
Paytm Latest Offers: Click here
Tez:( Google Play, App Store)
By using Tez you can send money to your nearby friends and receive money directly to your bank account.
The main feature of this application is you can protect it by google PIN or you can create your screen lock through Fingerprint screen.
You can send money to your nearby Tez user without giving bank account or Mobile number by using cash mode. You can use Tez to book travel tickets like Bus Tickets, Flight tickets, pay DTH bills.
Users can earn by using scratch cards up to Rs.1000 with each transaction and can earn up to 1 lakh every week with lucky Friday. These can be directly credited to your bank account.
- Can send money to your nearby friends and receive money directly to your bank account.
- Secure protection by Google pin.
- Can get scratch cards.
- You can book train tickets and your basic online payments.
- Can do payment by scanning QR code.
|Pros 👍||Cons 👎|
|You can get rewards up to 1 Lakh directly to your bank account on Fridays.||Cannot use credit-cards for payments.|
|Tez has UPI support and can directly transfer money directly to your bank.||No E-commerce integration.|
|Users can transfer money directly to their bank without any charges.||Won't support wallet system like Paytm, freecharge, Mobiwik.|
|Tez can support many languages like Hindi, Bengali, Gujarati , Kannada , Marathi , Telugu and Tamil.||There is no NFC payment|
|No option to save benificiary|
|You can't edit UPI ID|
Tez latest offers: Click here
Freecharge:( Google Play, App Store)
Freecharge provides you to pay Mobile bills, DTH, Data card bills, Electricity bills, Landline, Broadband, Gas, Water bills and metro tickets.
By using the Freecharge promo codes every user can get cash back on paying electric bills. Get 25% cash back on booking tickets on Book my show and Dominos Pizza ordering, IRCTC bookings, 10% cash back on booking bus tickets through abibus, get Rs.75 cash back by paying DTH and other bills by paying through Freecharge UPI.
|We can even pay for High-way tolls.||No automatic logout, which can be a security concern if we forget to logout our account on some other device.|
|Coupons are available during transaction can be used to get free items or food at offline retails.||It is not so easy to use like other payment applications like Paytm, Tez etc|
|Cashback available for Google Play cards.||We cannot buy products from Freecharge.|
|It offers digital Mastercard called Freecharge Go card.|
|It even offers UPI payment|
|Freecharge EMI in which we can purchase and pay later.|
|Chat with our friends and pay them in chat.|
|You can split bills among your friends.|
|Best for Mobile payments.|
Freecharge latest Offers: Click here
Oxigen Wallet( Google Play, App Store)
Through Oxigen you can pay , Broadband bills and can recharge Mobile phones, DTH services, Data cards, buy gift cards, online payments, send your money directly to your bank accounts and to your mobile with free transfers.
The main feature of Oxigen is user can use Rupay cards to shop anywhere and anything. The user can get Rs.10 For every recharge of DTH services by using the Oxigen codes, 4% discount on BigBazar gifts, Rs.25 cashback for every bills payment, 10% cashback on Thomas cook gift cards. The main another feature is user can use credit cards also in Oxigen wallets
- Basic payments like Bills, Mobile payments, DTH, gas, Electricity.
- You can request from your friends for Online Payments.
- Oxygen wallet app offers you RuPay to shop online.
- VISA card offers.
- Ornaments discounts from Voylla
- Gift cards available for the Wide range of varieties.
- You can link your bank account as well.
|Best for IRCTC Agents.||Bad customer service|
|Helpful for people who want to gift their friends.||Not suitable for Online shopping.|
|With full KYC you can transact upto 1 Lakh.||You may face some failed transaction issues.|
|Prepaid VISA RuPay card is available.||Cannot book railway and Air tickets.|
|You can manage your expenses.||Compared to other wallets, Oxigen offers less cashback benefits.|
|No UPI integration.|
|Slow response of transaction and App.|
Oxigen wallet latest offers: Click here
MobikWik Wallet( Google Play, App Store)
Mobikwik is used for all Mobile recharges, DTH service recharges, Data card recharges and can pay bills like Gas bills, Landline bills, Electricity, Insurance payments, Municipal Water bills, Cable TV bills, Traffic challans etc.
Even user can book Metro rail tickets, Bus ticket bookings and shop in local stores. The main features of MobikiWik are user can send money to their family members or even to their friends from their wallets.
The main advantage of using mobikWik is if any user cancels their bookings or tickets through mobile mobikiWik refunds instantly to your account or to your mobile wallet. A user can get discounts and cash backs also by purchasing in their referral shopping and e-commerce.
- You will be able to pay all basic bill utilities.
- Easy payments and revert backs.
- You can also pay Mumbai Metro bills.
- Wallet feature is available.
- Bus tickets are available for booking.
- You can even pay the amount from home directly to your nearby local stores.
- Able to transfer funds to another wallet.
- Can avail discounts for specific outlets referred to by Mobikwik.
|Pros 👍||Cons 👎|
|You can buy insurance Online.||You cannot book train and flight tickets.|
|You can pay your bills near by all type of stores via Mobikwik.||Mobikwik supercash is not much worthy.|
|You can book hotels.||App is not well navigated. Takes time to get to know all features.|
|Special offers on some stores.||No digital card is provided.|
|UPI payment is supported.||No e-commerce integration|
|You can redeem Payback points.|
Mobikwik Latest offers: Click Here
SBI Buddy( Google Play, App Store)
Using SBI Buddy users can book cinema tickets, Flights, and even hotels, recharge Mobiles, DTH Services and pay Utility bills and users can do shopping using SBI Buddy.
The user can transfer and receive money through SBI Buddy. Users can add money to their wallets using debit cards, net banking and even through IMPS.
The main feature of SBI Buddy is users can add contacts as their favourites so the user can send or receive money fastly. The main other feature of using SBI Buddy is users can check their last 25 transactions if they need and by default, only 2 transactions are shown.
- 13 Languages are supported.
- You can send, receive money from others.
- Mobile recharges, flight and hotel bookings are available.
- You can avail Buddy Virtual card for Online payments.
- Transfer and receiving funds cannot exceed 50K even with full-KYC.
- Merchant feature is also available for business persons.
|SBI buddy merchant feature is available for business persons.||No UPI integration.|
|Can book flight and hotel tickets.||Cannot book train and bus tickets.|
|Less bank transfer charges.||Very negligible offers and discounts.|
|You can use virtual card for online transaction.||Maximum wallet balance cannot exceed 50K even with Full-KYC|
|Even with Full-KYC you cannot transfer more than 25K to your bank account.|
SBI buddy latest offers: Click here.
Chillr( Google Play, App Store)
Chillr is one of the best digital wallets where the user can connect all his accounts in one place by using the best feature of Chillr.
By using chillr the users can recharge Mobiles, DTH and book Movie tickets, Flights tickets and hotels and even transfer and receive money from any bank. By using chillr users can link all banks up to 52 banks.
You can refer the chillr app to your friend’s user can earn the money and can withdraw money directly from your account.
- Rich and professional looking App.
- All transactions made on Chillr are secured & protected by an MPIN
- Multiple language support.
- Split Your Bills
- Utility Bill Payments and Recharges.
- View Bank Account Balance
- Transaction Statements.
- Store Payments.
- Unified Payment Interface (UPI) and Immediate Payment Service (IMPS).
|You can get pure banking experience.||No E-commerce integration.|
|You can do investment in chillr app.||Less offers compared to other payment apps.|
|Even you can do your savings here.||Rs 5 charges need to be paid for HDFC and Andhra bank transfers.|
|You can get your account statements.||Small level banks cannot link up with chillr. However, 52 banks are there for integration.|
|Chillr app can be used for business persons.||No Virtual card is provided.|
|IMPS , NPCI , UPI integrations.|
Chillr latest offers: Click here
Jio Money:( Google Play, App Store)
By using the JIO Money app everyone sends or Receive money from their wallets or accounts without no limits in their transactions, pay the bills of Landline, Data cards, Electricity, and Gas bills.
Recharge Mobiles and DTH services and Broadband recharge, pay insurance bills, bus bookings, toll recharges, e-commerce shopping’s and can pay even to charities also. Even users can also get the best deals on e-commerce shopping and through their referenced shops.
A user can get Rs.100 amazon voucher on booking their first ride on OLA cabs and get Rs.100 voucher of Book my show on UBER first ride.
|Best for mobile recharges||High transaction charges compared to other wallets.|
|Customer service is good.||Transferring Via NEFT takes more than a day.|
|Mobile recharge plans are updated time to time.||Not much discounts are offered.|
|App needs much improvements.|
|Interface is very simple|
|No app referring option and fees credit.|
Jio Money latest offers: Click here.
ICICI Pockets:( Google Play, App Store)
In ICICI Pockets all the banks were integrated so any bank account holder can make recharge of Mobiles, send money, shop anywhere and can pay bills, book movie tickets, and gift vouchers and even split your expenses with your friends also.
The main feature of this app is users can transfer money not only through his bank account, Mobile, email id, WhatsApp contacts, Google+ and Facebook ID and even tap your friends and pay to your friends.
Users can add money to the ICICI Pocket wallet through any Debit card of any bank and even add money to your wallet through Internet banking of any bank. Users can get 50% cashback by sending money to his first merchant, get Rs.1250 cashback on making my trip ticket bookings, 15% cashback on Myntra on every Wednesday, Rs.100 on booking on Book my Show, 20% cash back at Dominos.
- All banks can integrate.
- You can pay all utility bills.
- Split expenses among your friends.
- Easy one tap transfer of money among your friends.
- Offers are available for many electronic products.
- 15% cashback on Myntra every Wednesday.
|Pocket wallet comes with physical card for shopping.||For physical card you need to pay Rs 99.|
|You can shop anywhere in India with VISA-powered pockets wallet.||You cannot book train tickets.|
|You can get high discounts and deals.||There is no UPI integration.|
|You can also pay to offline stores directly from smartphones using mVISA or touchpay.||Need to maintain minimum balance of Rs: 5000 after 3 months.|
|You can also add Zero account balance.||Rs; 300 to 400 charge is applied, if not maintained minimum balance.|
|Chat , email and call customer support is available.||No e-commerce integration.|
ICICI Pocket latest offers: Click Here.
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Hope you find this article interesting and helpful :)