Compare features, daily limits, cashback rewards, and merchant payment options across India's top UPI apps. Find the right app for your needs.
India's most widely used UPI app with seamless integration into Google services. Clean interface, fast payments, and accepted by virtually every merchant.
Feature-rich financial super-app with UPI payments, mutual funds, insurance, and gold investments. Offers the most cashback and reward programs among UPI apps.
Premium rewards app for credit card users. Pay credit card bills via UPI and earn CRED coins redeemable for exclusive offers from top brands.
Compare daily limits, rewards, features, and app store ratings. Sorted by popularity.
| App | Daily Limit | Cashback / Rewards | Bill Payments | Merchant Pay | Rating | |
|---|---|---|---|---|---|---|
| Google Pay | Rs 1 Lakh | Scratch cards, rewards | Yes | Yes (QR + NFC) | 4.6 | Download → |
| PhonePe | Rs 1 Lakh | Cashback, coupons | Yes | Yes (QR) | 4.5 | Download → |
| Paytm | Rs 1 Lakh | Cashback, Paytm First | Yes | Yes (QR + Soundbox) | 4.3 | Download → |
| CRED | Rs 1 Lakh | CRED coins, brand offers | Credit card bills | Yes (QR) | 4.5 | Download → |
| Amazon Pay | Rs 1 Lakh | Amazon balance cashback | Yes | Yes (QR) | 4.3 | Download → |
| BHIM | Rs 1 Lakh | Govt cashback schemes | Yes | Yes (QR) | 4.1 | Download → |
| WhatsApp Pay | Rs 1 Lakh | Occasional cashback | No | Yes (in-chat) | 4.4 | Download → |
| MobiKwik | Rs 1 Lakh | SuperCash rewards | Yes | Yes (QR) | 4.1 | Download → |
Create a free UPI payment QR code that works with Google Pay, PhonePe, Paytm & all UPI apps. Print it and start accepting payments instantly.
Generate UPI QR Code →With over 300 million UPI users in India, choosing the right UPI app can make a real difference in your daily digital payment experience. Here is what to consider:
All UPI apps connect to the same NPCI network, so money transfers work across apps. A payment sent from Google Pay reaches a PhonePe user instantly. The main differences are in the app experience, rewards, and additional features.
Google Pay and PhonePe are the two most popular UPI apps in India, handling over 80% of all UPI transactions. Google Pay is best for simplicity and wide merchant acceptance, while PhonePe offers more rewards and financial services. CRED is best if you primarily pay credit card bills.
The standard UPI transaction limit set by NPCI is Rs 1 lakh per day for most apps. However, some categories have higher limits — UPI payments for tax, education, and hospitals can go up to Rs 5 lakh. Google Pay, PhonePe, and Paytm all follow the Rs 1 lakh daily limit for regular transactions.
Both are excellent UPI apps. Google Pay has a cleaner interface and better integration with Google services. PhonePe offers more cashback rewards, mutual fund investments, and insurance options. Choose Google Pay for simplicity or PhonePe for a feature-rich financial super-app.
PhonePe and Paytm typically offer the most cashback through scratch cards and promotional offers. CRED rewards credit card bill payments with CRED coins that can be redeemed for offers. Amazon Pay gives cashback that adds to your Amazon balance. Cashback offers change frequently, so compare current promotions.
Yes, you can link the same bank account to multiple UPI apps simultaneously. Each app creates a separate UPI ID (Virtual Payment Address) for your bank account. There is no limit on how many UPI apps you can use, but your daily transaction limit applies across all apps combined.