10 Best Digital Wallets in India & UPI Payment App -2001 Edition

Digital Wallets

Though UPI payments have been in the market for long, the pandemic has fueled the fire of its popularity. It is a contactless mode of payment that eradicates the chances of any virus spread, and they are seamless enough to carry out without any professional help. Another perk of making payments through UPI is that you can get cashback. You can find the best cashback app online and make all your digital payments through it to earn alluring rewards. 

Over the years, the options for a cashback deal app have evolved rapidly. Hundreds of apps in the market are claiming to be user-friendly and offering promising rewards. However, choosing one digital payment platform can be tricky as the industry is prone to intruder attacks and phishing. So, to keep yourself safe from cyber attacks and enjoy the perks choose the app carefully. 

Ten best digital wallets in India

Here is a list of some of the best apps to make decision-making convenient for you. Download any of them to enjoy the cashback and make your shopping experience more exciting. 

Fave App

It is emerging as one of the reliable platforms for making digital transactions and getting assured cashback. After much accreditation in other countries, the Fave app is set to hit the Indian market.

Google Pay

Despite entering the market late, GooglePay has gained popularity because it is a part of the Google ecosystem. It allows one to pay utility bills and shop using the UPI, and the transactions happen directly from the bank account. 


PhonePe crossed its 100 million downloads in the first four years of its inception. Pay through the PhonePe option is available on multiple sites and brand websites.


Indiabulls group introduced the Dhani app with multiple features to make it unique. They combined the Dhani super saver card with it, using which the customers can earn rewards and be a part of the loyalty program. The app also has games that customers play to earn points. They can redeem these points while doing the mobile recharges or carrying out other payments. 

BHIM Axis Pay

It is an Axis bank initiative to transfer money online through a smartphone. Moreover, it allows mobile and DTH recharge through the BHIM Axis Pay app. 


Mobikwik is the best cashback app, with more than 25 million users. They collaborated with more than 50000 retailers. So, it let its users pay their utility bills and shop online at various marketplaces. The best part of the app is its expense tracker, which allows users to set a budget they wish to spend through the app.


There is hardly any smartphone user that doesn’t know about Paytm. Users can store money in their e-wallet and make quick payments to any vendor associated with the app. It is the renowned and best cashback deal app used by a street vendor to the supermarket. 

ICICI pockets

It is a digital bank for ICICI bank customers. Users can fund their e-wallet through their bank accounts and use this wallet to make online transactions on multiple platforms. The wallet uses a virtual visa card to allow the users to make transactions. 

Amazon Pay

This online payment processing service is a unit of Amazon and is one of the top payment apps worldwide. Users can pay through their amazon accounts and get cashback and other deals for each transaction. 

HDFC PayZapp

Customers can now pay in one click using the PayZapp app by HDFC bank. It allows its users to pay utility bills, book flight tickets, and a lot more with this UPI service. Moreover, users can also share their reward points with anyone in their contact book. 

Choosing any of these wallets is a safer way to make online payments. There is no data security issue in any one of them. Moreover, their transaction success rate is high. Hence, you wouldn’t face any problem with that. Pick the best and enjoy the seamless payment experience.

Read also: Credit Cards Can Help Boost Your Finances

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By Michael Caine

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