Unified Payments Interface (UPI) has revolutionized digital transactions in India. In 2025, over 400 million users rely on UPI for everything from splitting bills to paying rent, and even investing in mutual funds. With so many apps offering UPI services, choosing the best one can be overwhelming.
This article breaks down the top UPI apps in India, comparing them on features, reliability, user interface, rewards, and security—so you can make the most informed choice.
Top 7 Best UPI Apps in India (2025)
1. PhonePe
Rating: ★★★★★
Downloads: 500M+
Best for: All-in-one financial ecosystem
Key Features:
- Fast UPI payments with high success rate
- Bill payments, recharges, insurance, gold purchase, and mutual fund investments
- PhonePe Wallet and Gift Cards
- Frequent cashback offers and deals
Why Choose It?
PhonePe is the most feature-rich UPI app in India. With its wide network, superior bank support, and additional services, it’s a complete financial app for all needs.
2. Google Pay (GPay)
Rating: ★★★★☆
Downloads: 300M+
Best for: Simplicity and user-friendly interface
Key Features:
- Clean interface with chat-like payment flows
- Scratch cards and seasonal games with cashback
- Quick bank linking and UPI setup
- Excellent fraud detection (Google-backed security)
Why Choose It?
If you want a no-frills, fast, and secure UPI experience, Google Pay is a great option. Ideal for personal payments and reward lovers.
3. Paytm
Rating: ★★★★☆
Downloads: 500M+
Best for: UPI + Wallet combo
Key Features:
- Integrated wallet for non-UPI transactions
- Utility payments, movie tickets, metro cards, and travel bookings
- Postpaid and credit card support
- QR code scanner widely accepted by small merchants
Why Choose It?
Paytm remains the most versatile when it comes to combining UPI, wallet, and e-commerce features in one app.
4. BHIM App (By NPCI)
Rating: ★★★★☆
Downloads: 50M+
Best for: Government-backed reliability
Key Features:
- Developed by NPCI (the creators of UPI)
- Lightweight and minimal interface
- No ads or third-party distractions
- Secure and direct-to-bank transfers
Why Choose It?
If you’re looking for a clean, official, and ad-free UPI app, BHIM is your go-to option.
5. Amazon Pay (via Amazon app)
Rating: ★★★★☆
Downloads: 100M+ (Amazon App)
Best for: Shopping and reward integration
Key Features:
- UPI integration inside the Amazon app
- Instant refunds and rewards on Amazon orders
- Bill payments and mobile recharges
- Amazon Pay Later and credit services
Why Choose It?
Frequent Amazon shoppers benefit the most, as it combines UPI with discounts, cashbacks, and seamless shopping.
6. WhatsApp Pay
Rating: ★★★☆☆
Downloads: 100M+ (within WhatsApp)
Best for: Peer-to-peer payments
Key Features:
- Direct payments inside chat interface
- No need to download a separate app
- End-to-end encrypted
- Fast and minimal UI
Why Choose It?
WhatsApp Pay is perfect for users who want quick peer transfers without switching apps, but it lacks advanced features like bill payments or rewards.
Learn How to send money to someone through Whatsapp
7. Mobikwik
Rating: ★★★☆☆
Downloads: 100M+
Best for: Wallet + credit users
Key Features:
- UPI and wallet support
- Zip Pay Later credit line
- Recharge and utility services
- Cashback on selected merchants
Why Choose It?
Mobikwik is useful if you’re looking for credit-based UPI and a strong wallet experience.
Quick Comparison Table
| App Name | UPI Speed | Wallet Support | Rewards & Cashback | Extra Services |
|---|---|---|---|---|
| PhonePe | ✅✅✅ | ✅ | ✅✅✅ | Insurance, Mutual Funds |
| Google Pay | ✅✅ | ❌ | ✅✅ | Games, Offers |
| Paytm | ✅✅ | ✅✅✅ | ✅✅✅ | Shopping, Metro, Credit |
| BHIM | ✅✅ | ❌ | ❌ | Clean UI, Govt. Backed |
| Amazon Pay | ✅✅ | ✅ | ✅✅ | Amazon services |
| WhatsApp Pay | ✅ | ❌ | ❌ | Peer-to-peer only |
| Mobikwik | ✅ | ✅✅ | ✅ | Pay Later, Wallet |
Which UPI App is Best for You?
| User Type | Recommended App |
|---|---|
| General Daily Use | PhonePe or Google Pay |
| Shopping Enthusiast | Amazon Pay or Paytm |
| Business Transactions | PhonePe or Paytm |
| Government-Preferred App | BHIM |
| Quick Chat Payments | WhatsApp Pay |
| Credit & Wallet Lovers | Mobikwik |
FAQs: Best UPI Apps in India
Q1. Are UPI apps safe to use?
Yes, all UPI apps listed are RBI-regulated and follow strict security protocols, including biometric login and UPI PINs.
Q2. Can I use multiple UPI apps with the same bank account?
Yes, you can link the same bank account to multiple UPI apps as long as the bank supports UPI.
Q3. Which app gives the best cashback in 2025?
Currently, PhonePe and Paytm offer the best deals, followed by Google Pay during promotional campaigns.
Final Thoughts
UPI apps have become an integral part of India’s digital lifestyle. Whether you prioritize rewards, simplicity, or financial features, there’s a UPI app for everyone.
✅ Our Top Pick for 2025: PhonePe
But don’t hesitate to try more than one app—having 2-3 UPI apps ensures better availability, faster payments, and more rewards.