Best UPI App in India [Updated]

Best UPI App in India (Guide to Top 10 UPI Apps)

Introduction

UPI (Unified Payments Interface) has completely changed how India makes digital payments. In 2025, UPI transactions crossed 14 billion monthly, making it the backbone of online payments in India. From bill payments to shopping and peer-to-peer transfers, the right UPI app can save you money with cashback offers, ensure fast payments, and keep your money safe.

But with so many apps available, which is the best UPI app in India? We tested and compared the top 10 UPI apps of 2025 with their features, pros, cons, cashback offers, and security measures.

Here’s a detailed guide to the best UPI apps in India (2025 updated list) with features, pros, cons, and who should use them.

1. Google Pay (GPay)

Google Pay is one of the most widely used UPI apps in India. It combines simplicity with powerful features like bill payments, mobile recharges, and rewards.

✅ Pros

• Very easy-to-use interface.

• Strong Google-level security with fraud detection.

• High rewards and scratch cards.

• Accepted by almost all merchants across India.

❌ Cons

• Cashback rewards have reduced compared to earlier years.

• Occasional server downtime during peak hours.

Best for: Users who want smooth payments with high trust and security.

2. PhonePe

Owned by Flipkart, PhonePe is one of the earliest UPI apps and has over 450 million users in India. It offers everything from payments to insurance, gold purchase, and investments.

✅ Pros

• Supports multiple languages, making it user-friendly across India.

• Works seamlessly for bill payments, DTH, recharge, etc.

• Cashback and offers for recharges and shopping.

• 24/7 customer support.

❌ Cons

• Too many features can feel overwhelming.

• Cashback rewards are not always guaranteed.

Best for: People looking for a multi-service app beyond just UPI payments.

3. Paytm UPI

Paytm has been one of the most popular payment apps in India, widely accepted for merchant payments. With Paytm UPI, users can link their bank account directly without needing a wallet.

✅ Pros

• Massive merchant acceptance in India (street vendors to malls).

• Additional features like FASTag recharge, movie tickets, and shopping.

• Regular cashback and discount coupons.

• Works even on slow internet connections.

❌ Cons

• The app can feel heavy due to too many ads and features.

• Customer support is sometimes slow.

Best for: People who shop often and want cashback + merchant acceptance.

4. Amazon Pay UPI

Amazon Pay is directly linked to your Amazon account. It allows quick checkout, bill payments, and rewards for shopping.

✅ Pros

• Instant UPI setup with an Amazon account.

• Great cashback offers during Amazon sales.

• Works for electricity, DTH, gas, water, and broadband bill payments.

• Safe and secure since linked with Amazon.

❌ Cons

• Cashback is mostly limited to Amazon shopping.

• Limited features compared to PhonePe or Paytm.

Best for: Frequent Amazon shoppers looking for discounts.

5. BHIM UPI (Official NPCI App)

Launched by the National Payments Corporation of India (NPCI), BHIM is the government-backed UPI app designed for secure and simple transactions.

✅ Pros

• Very lightweight and fast app.

• Works even on low-end smartphones.

• High level of security & trust (backed by RBI & NPCI).

• Supports 20+ regional languages.

❌ Cons

• Lacks extra features like cashback or shopping.

• Not as popular as PhonePe or GPay.

Best for: People who want a simple, secure, no-nonsense UPI app.

6. Mobikwik UPI

Mobikwik has gained popularity for its SuperCash rewards and a wide range of services like credit line and BNPL (Buy Now Pay Later).

✅ Pros

• Offers SuperCash rewards on transactions.

• Features like Zip EMI and BNPL for credit users.

• Works for bill payments, insurance, and shopping.

❌ Cons

• Customer service is not as strong as Paytm or PhonePe.

• Cashback rewards are sometimes restrictive.

Best for: Users looking for credit + UPI features together.

7. Freecharge UPI

Once famous for mobile recharges, Freecharge (owned by Axis Bank) now provides UPI transactions, bill payments, and offers.

✅ Pros

• Simple app design for fast recharges and payments.

• Cashback offers on Axis Bank tie-ups.

• Extra rewards for Axis Bank users.

❌ Cons

• Limited rewards compared to GPay or PhonePe.

• Smaller user base than Paytm or PhonePe.

Best for: Axis Bank customers and recharge-focused users.

8. Airtel Thanks UPI

Airtel’s UPI app is integrated with Airtel Payments Bank, making it great for Airtel users.

✅ Pros

• Works well for Airtel mobile & broadband recharges.

• Offers exclusive Airtel rewards.

• Strong security with Airtel Payments Bank.

❌ Cons

• Fewer cashback offers compared to rivals.

• Limited to the Airtel ecosystem mostly.

Best for: Airtel customers who want one app for recharge + UPI.

9. JioPay (MyJio App)

Reliance Jio users can use JioPay, integrated into the MyJio app, for UPI transactions.

✅ Pros

• Integrated with the Jio ecosystem (JioFiber, JioMart, Jio recharge).

• Secure with fingerprint/PIN authentication.

• Simple and reliable.

❌ Cons

• Limited features outside the Jio ecosystem.

• Cashback offers are rare.

Best for: Jio customers looking for easy UPI inside the MyJio app.

10. WhatsApp Pay

WhatsApp Pay is still new in India but growing fast, thanks to its massive user base. It allows sending and receiving money directly within chats.

✅ Pros

• Super simple — works directly in WhatsApp chat.

• Instant transfer between friends and family.

• Backed by Meta’s security.

❌ Cons

• Very limited features (only payments, no bills or cashback).

• Not widely accepted by merchants yet.

Best for: Users who want easy peer-to-peer transfers inside WhatsApp.

🔐 Security Tips for UPI Users

• Never share your UPI PIN.

• Always update apps to the latest version.

• Use trusted apps like PhonePe, GPay, and BHIM.

• Check SMS/email alerts after every transaction.

❓ FAQs-Best UPI App in India

👉 No matter which app you pick, UPI is India’s fastest, safest, and most rewarding way to pay in 2025.