Top 10 Bill Payments & Mobile Recharge Apps in India

Top 10 Bill Payments & Mobile Recharge Apps in India

1. CashPromise app

CashPromise: Save Every Time You Pay

Tired of just paying bills with nothing in return?

With CashPromise, everyday payments turn into savings! Whether you're paying for your electricity, mobile recharge, Wi-Fi, or even booking a gas cylinder, you get flat 3% cashback — no gimmicks, no conditions.

From bill payments (electricity, mobile, Wi-Fi, gas, etc.) to shopping on top sites, you earn flat cashback that's tracked, real, and withdrawable. Whether it’s your daily essentials or festive splurges, CashPromise ensures every payment pays you back.

What You Can Do with CashPromise:

  • ⚡ Pay your electricity bill

  • 📱 Recharge your mobile

  • 🌐 Clear your Wi-Fi/Internet bill

  • 🔥 Book your gas cylinder

  • 💳 And much more — all in one app!

2. Google Pay


Once known as Tez, Google Pay (or GPay) has grown into one of India’s top UPI apps — second only to PhonePe — with about 37% of the market. With over 67 million users in India and 1 billion+ Android installs, GPay is a household name when it comes to digital payments.

What You Can Do with GPay

Whether you’re paying someone back for chai or settling your electricity bill, GPay makes it simple:

  • 🔁 Send or receive money instantly via UPI

  • 📱 Recharge your mobile or DTH connection

  • 💡 Pay utility bills – electricity, water, broadband, and credit cards

  • 💳 Link multiple bank accounts with one tap

  • 🚆 Book train tickets via IRCTC

  • ✨ Buy 24K digital gold

  • 💸 Use UPI Lite for lightning-fast small payments

Strengths / What People Love

  • ⚡ Fast, reliable payments that rarely lag

  • 🧭 Minimalist, clean interface — easy for anyone to use

  • 🔐 Strong security with fingerprint/OTP and Google-level encryption

  • 🏦 Directly links with your bank account (no wallet hassle)

3. PhonePe

Launched in 2016 and headquartered in Bengaluru, PhonePe has grown into the undisputed leader in UPI payments in India. By late 2024, it was handling a whopping 47.8% of all UPI transactions, processing over 330 million transactions every single day. With a user base of more than 600 million, it’s no surprise that PhonePe saw 7.4 billion transactions in November 2024 alone, according to NPCI data.

What You Can Do on PhonePe

PhonePe is more than just a money transfer app. It allows users to:

  • Send and receive money instantly via UPI

  • Recharge mobiles and pay utility bills

  • Scan QR codes for easy offline payments

  • Use UPI Lite for quicker small-value transactions

  • Check credit scores, top up FASTag, and manage subscriptions

  • Invest in mutual funds or digital gold, explore insurance, or even get loan offers — all within one app

What Makes PhonePe a Hit

  • Fast and reliable payments with minimal glitches

  • A massive user base and smooth handling of high transaction volumes

  • UPI Lite makes micro-payments seamless

  • A one-stop-shop for payments, investments, and financial services

4. Paytm

One of the earliest names in India’s digital payment space, Paytm has come a long way. As of 2024, it holds the third spot in UPI usage with about 7% market share — still a major player in how India transacts.

With over 500 million downloads and a growing ecosystem, Paytm isn’t just a payment app anymore — it’s a complete digital lifestyle platform.

What You Can Do with Paytm

From a simple recharge to booking your next flight, Paytm covers it all:

  • 💸 Send and receive UPI payments

  • 📱 Recharge your mobile or DTH connection

  • 💡 Pay utility bills (electricity, water, broadband, etc.)

  • 🛍️ Shop on Paytm Mall

Strengths / What Users Love

  • 🚀 Smooth and crash-free experience, even during peak times

  • 🎯 Wide range of services — payments, shopping, bookings, and more

  • 💳 RuPay on UPI makes credit card bill payments super easy

Cons / Where It Falls Short

  • 🚫 Occasional random logouts during transactions — frustrating when in a rush

  • 🔐 The password reset process can be clunky and unreliable

5. CRED

CRED isn’t your typical payment app — it’s more like a members-only club for people with a good credit score (750+). Designed for India’s financially savvy crowd, CRED makes credit card bill payments rewarding — literally.

With over 13 million users, CRED is a niche player in the UPI space (about 1% market share), but don’t let that fool you — it still processed 150 million+ UPI transactions in October 2024, ranking fifth among UPI apps.

What CRED Helps You Do:

  • 💸 Pay your credit card bills — fast, smooth, and often in under a minute

  • 🎁 Earn CRED coins with every bill you pay — redeemable for brand deals, discounts, and lifestyle perks

  • 📊 Track your spending habits with smart analytics

  • 🧾 Set up reminders so you never miss a due date

  • 🏦 Monitor your credit score and get improvement tips

  • 💰 Get instant personal loans through CRED Cash

What Users Love

  • 🌟 A premium, clutter-free interface that feels built for grown-ups

  • ⚡ Credit card bills paid within a minute — no delays

  • 💎 CRED coins make boring bill payments feel rewarding

  • 🔍 Easy access to your credit score — and helpful tips to improve it

Where It Misses the Mark

  • 🎁 Some rewards feel hyped or underwhelming once redeemed

  • 🚫 Invite-only — if your credit score’s below 750, you’re locked out

6. BHIM (Bharat interface for money)
Launched by NPCI in 2016 and backed by the Government of India, BHIM (Bharat Interface for Money) was built to make digital payments simple and inclusive. While its market share is modest (around 0.8% of UPI traffic), BHIM holds its ground with reliability, security, and ease of use — especially for users looking for a no-fuss experience.

What You Can Do with BHIM

BHIM covers all the basics — and then some:

  • 💸 Send and receive money between any bank account using UPI

  • 📲 Link multiple accounts from different banks

  • 🧾 Pay bills via BHIM BillPay (electricity, gas, DTH, and more)

  • 🔁 Set up recurring payments using UPI mandates

  • 💬 Use the app in 20+ Indian languages

Where It Could Improve

  • 🕒 After a transaction, the confirmation screen disappears too quickly

  • 🔄 Occasionally, account details switch mid-transaction — confusing for some users

7. Whatsapp Pay
When Meta rolled out WhatsApp Pay in India (phased approval from the NPCI, 2020), the idea was simple: let people send money as easily as they send a “hi.” With a potential reach of 500 million+ WhatsApp users, the feature still moves impressive sums—₹4,348 crore across 57.7 million transactions (Dec 2024)—even if only a fraction of those who switched it on use it day‑to‑day.

What You Can Do with WhatsApp Pay

  • Send or receive money without leaving the chat window

  • Scan or share QR codes pasted in conversations and pay instantly

  • Link any major bank account (HDFC, ICICI, SBI, Axis, etc.) via BHIM UPI

  • Enjoy regional‑language support so family members can use it comfortably

Why People Like It

  • Completely friction‑less: pay where you already talk

  • Instant, fee‑free transfers straight to bank accounts

  • Secure by default: UPI PIN plus WhatsApp’s encryption stack

Where It Falls Short

  • No bells and whistles—no bill‑splitting, rewards, or cashback to keep users engaged

  • Internet‑dependent: spotty data equals failed payments

8. MobiKwik

Starting off as a digital wallet, MobiKwik has quietly evolved into one of India’s most versatile payment apps. By May 2024, it led the prepaid wallet market with a 23% share, and in Q2 FY25, it clocked a whopping ₹28,280 crore in total payment volume — a 267% year-on-year jump!

In 2024, MobiKwik launched Pocket UPI, a unique feature that lets users make UPI payments directly from their wallet, without linking a bank account. It's a game-changer for underbanked users who may not have a full-fledged savings account — but still want the power of UPI.

What You Can Do with MobiKwik

  • 💸 Send or receive UPI payments via BHIM UPI or Pocket UPI

  • 📱 Recharge your mobile, DTH, or pay electricity and utility bills

  • 🧾 Make credit card payments straight from the app

  • 💼 Invest in fixed deposits (FDs) offering up to 9.5% returns

What Users Like

  • 🎯 Clean, no-nonsense interface that’s easy to use

  • 🔌 Covers a wide range of services — from payments to lending and investing

  • ⚡ Instant loan approvals with simple repayment terms

What Needs Work

  • 📢 Too many ads make the app feel cluttered during transactions

  • 🆘 Customer support is weak — no real-time help for urgent issues

9. Freecharge

Launched back in 2010 and now part of Axis Bank, Freecharge has quietly evolved into an all-in-one app for managing your money. With 100 million+ users and a solid reputation on both Android and iOS (4.6+ rating on iOS), it’s more than just a recharge app — it's now a full-service digital finance platform.

What You Can Do with Freecharge

  • 💸 Send and receive BHIM UPI payments with a custom @freecharge UPI ID

  • 📱 Recharge your mobile, DTH, and FASTag in just a few taps

  • 💡 Pay utility bills — electricity, water, gas, broadband, and more

  • 💳 Apply for an Axis Bank-Freecharge credit card with unlimited cashback

  • 💰 Get instant personal loans up to ₹5 lakh

Where It Needs Work

  • 🆘 Customer support is hit-or-miss — often slow or unhelpful

  • 🎁 Cashback deals can be confusing or unreliable to redeem

  • 📱 Some users report occasional glitches and failed payments

10. Magicpin

Magicpin is a hyperlocal discovery and savings app that helps users earn rewards for shopping, eating out, and even uploading bills. Launched in 2015, it now has millions of active users across India and is especially popular for its cashback and reward system that works both online and offline.

Whether you're grabbing coffee at your favourite café, shopping for groceries, or ordering food online, Magicpin gives you cashback in the form of “MagicPoints” — which can be used for discounts, vouchers, or more purchases on the platform.

What You Can Do with Magicpin

  • 🍽️ Earn rewards when you dine out or shop at local stores

  • 🛍️ Upload your bills from grocery stores, salons, pharmacies, and more to earn MagicPoints

  • 📲 Get cashback on online orders from popular apps like Swiggy, Zomato, Amazon, Flipkart, and Myntra

Where It Falls Short

  • 📞 Customer support can be slow when there’s a problem with point credit

  • 🔄 Bill verification takes time — sometimes points aren’t credited immediately

  • 🧾 Requires frequent bill uploads, which can feel manual or repetitive



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