Best UPI Payment Apps in India

Here are the most popular, reliable, and feature-rich UPI apps widely used in India

Rank	UPI App	Key Features
1️⃣	Google Pay (GPay)	Simple UI, cashback offers, trusted by Google, direct bank-to-bank transfers
2️⃣	PhonePe	UPI, recharges, bill payments, investments, insurance, wallet option
3️⃣	Paytm	UPI + wallet + credit card payments, shopping, ticket booking
4️⃣	BHIM App	Official NPCI app, lightweight, supports all banks, no ads
5️⃣	Amazon Pay UPI	UPI payments + shopping integration, cashbacks on Amazon platform
6️⃣	Cred UPI	UPI with credit card rewards, clean interface
7️⃣	WhatsApp Pay	UPI inside WhatsApp chat, easy for P2P payments (limited features)
8️⃣	Mobikwik	UPI, wallet, credit line integration
9️⃣	Freecharge	UPI + wallet, bill payments, cashback offers
🔟	Tata Neu UPI	Integrated with Tata brands for payments, Neu coins rewards

How to choose the best UPI app?

✅ Prefer GPay or PhonePe for ease of use & bank integration

✅ Choose Paytm if you also need a wallet for small merchants

✅ Use BHIM for a simple, no-nonsense official app

✅ Opt for Cred if you're a credit card user looking for rewards

📌 All UPI apps follow the same backend (NPCI’s UPI system), so:

✔️ Speed & security are similar across apps✔️ Main differences are UI, cashback offers, and additional features

👉 You can use multiple UPI apps with the same bank account (via UPI ID) if needed.