Best Android Wallet and UPI Apps


M any of us using the online payment apps but due to Rs 1000 and RS 500 Note ban on 8th November scene has been changed and many of us ...

wallet apps online payment
Many of us using the online payment apps but due to Rs 1000 and RS 500 Note ban on 8th November scene has been changed and many of us getting troubled for cash change so we are using these apps we are here for you and your friends some online payment wallet apps and bonus is earning tips from them... so keep reading...

1. Paytm -Paytm is started in 2014. It is one of the biggest mobile payment platforms in the country, giving their consumers a digital wallet to bank money and make fast and easy payments. It uses a semi-closed business model and has an e-payment market, where a user can store money and create payments. From this app you can pay, recharge and payment to most of the users in India by sending money to their number or paying a merchant via scanning his QR code. payment charges 1 per cent offers prepaid/postpaid recharge, dth and other recharge. You can send a minimum of Rs. 100 to your bank account via the service. Paytm users can transfer up to Rs. 5,000 at a time, with 25,000 per month. Along with this, you will also get benefit in cashback and when you apply code you will get cashback. Android App | Windows App

2. Freecharge -It is an E-payment service that is headquartered in Mumbai, India. It has been acquired by Snapdeal. Freecharge offers on-line payment services for mobile phone recharges, DTH services, Data cards services. Along with ash back free charge also offers referral program means to share and earn if you share your code with others and they download the app and try that code to recharge then both of you will earn Rs50. Freecharge also offers amount transfer from free charge wallet to bank. You can also recharge from free charge site   Android App  | Ios App | Windows App  Our Code is R50HWDF

3. Mobikwik - MobiKwik allows its customers to deposit money using a credit card, debit card, net banking and even home ordered cash collection service, which can be used for mobile phone recharges, utility bills and for shopping. It is having a major customer base in India. Android App | IOS App

4. Oxigen Wallet - it allows users to top-up money and use it for mobile data recharge, DTH and data card recharge. Other features include making mobile payments for mobile, landline and electricity bills. Users can also send and receive money with another Oxigen wallet or directly to a bank account. Android App

5. Jio Money - This app is built by Reliance jio and giving many services like recharge and online payment and having a wallet but this app does not offer bank transfer. Android App

6. HDFC Chillr -This quick money transfer app is created by HDFC for simplifying the e-money transfer and online payment processes. Chillr is currently accessible only by Partner Bank users and can be used to transfer money, mobile recharges and splits bills. Android App
Some of the partner banks are Andhra Bank, Bank Of Baroda, Bank of India, Catholic Syrian Bank, HDFC Bank, PMC Bank, Bharat Bank, Federal Bank, Greater Bank, Saraswat Bank,
Daily transaction limit, charges are listed here.

7. Axis Pay - It is an E-payment banking service that is offered by Axis bank. A Unified Payments Interface(UPI) application that lets you transfer funds from any bank account using a Virtual Payment Address (VPA). No need to remember beneficiary details like account number, IFSC etc. Send or Ask for money using a Virtual Payment Address. A Virtual Payment Address (VPA) is a unique identifier that you set and link to your bank account. (Example: yourname@axisbank ) In this app Once linked, just quote your VPA instead of account number and IFSC to make or receive payments. Unified Payments Interface (UPI) is a payment system by NPCI that allows the transfer of funds between accounts in a convenient manner. Axis Bank or Non-Axis Bank customers can send money or ask for money using the Axis Pay app, without knowing their bank account details, Transfer funds to a Virtual Payment Address(VPA) or to an Account Number. Android App

7. ICICI pocket - It is an E-payment banking service that is offered by ICICI bank. It gives the advantage of using any Indian bank account to deposit your E-wallet and to pay for the various services. ICICI Pockets covers payment like booking a ticket, online shopping, and splitting expense with friends etc. Android App

8. Phonepe App/ Phone pe  - This app is launched by Flipkart. and Flipkart is here to handle your money. This app does not carry a wallet but offers UPI and Bank Transfers. some key features of app Android App
  • Once a bank account is linked you don’t need to top up the wallet.
  • Merchant cash back and refunds from Flipkart will go into the wallet.
  • You can withdraw wallet balance to bank free of charge.
  • The app can be used to transfer money from one bank to the other.
  • It also works to transfer money to other wallets.
  • The transfer is possible with the user’s linked bank account(s) only. For example, A cannot transfer wallet funds to B’s bank account and vice versa

9. Paynear ONE - this app is good for merchant they can collect payment via this and you can also earn from this app. more details on its site  | Android App

10. Vodafone M-Pesa - Vodafone M-Pesa claims to be India's largest cash-out network, with over 85,000 M-Pesa agents spread across the country. The service lets you send money to anyone, to recharge prepaid numbers, DTH connections, postpaid Vodafone numbers, utility bills and online shopping. Money can be transferred to bank via its inbuilt IMPS service, or to a mobile number, but charges apply in slabs - for example, sending Rs. 2,000 to a bank account or an M-Pesa account costs Rs. 38. DTH and prepaid recharges can be done through m-pesa for free. Android App

11. SBI buddy - State Bank Buddy is an online payment service that allows users to transfer money into another user’s account as well as to pay for the services like food, travel, shopping etc. They provide these services in many local languages. Android App

12. Airtel Money - Most of us listened about Airtel Money is a semi-closed wallet that doesn't permit cash withdrawal or redemption by the customer. It can be used to do recharges, make money transfers to contacts, shops and bank accounts, make bill payments and pay for online shopping. It can be used to book train tickets as well, but it isn't a seamless user experience. It has no UPI system. Android App

13. Citi MasterPass - This app is a recent joint venture of Citi bank India and MasterCard for offering their customers an E-wallet for quicker, simpler and secure online transactions. Citi MasterPass enables quicker checkout with one click or one touch and securely save all your debit, credit card data and shipping details in a single place. Android App

For payment from a basic mobile, you can also use *99# (We will discuss it in detail in the next article...)

Apart from this many UPI Based apps are there to handle your cash.

Making transactions via UPI apps entails a charge of Rs. 5, plus service; this is the amount banks charge for making payments via IMPS net banking too, which makes sense since IMPS is actually the backbone of the UPI.

Links to Download UPI Apps

  1. SBI Pay: Android
  2. HDFC Bank MobileBanking: AndroidiOS
  3. ICICI Pockets: AndroidiOS
  4. Axis Pay UPI App: Android
  5. Union Bank UPI App: Android
  6. PNB UPI: Android
  7. PhonePe: Android
  8. Canara Bank UPI – eMpower: Android
  9. United UPI: Android
  10. Andhra Bank ONE – UPI App: Android
  11. UCO UPI: Android
  12. Bank of Maharashtra – Maha UPI: Android
  13. Vijaya UPI: Android
  14. South Indian Bank – SIB M-Pay (UPI Pay): Android
  15. KBL SMARTz (UPI): Android
  16. OBC UPI PSP: Android
  17. UPI Bank Transfer with Friends: Android
  18. DCB Bank UPI App: Android
  19. Lotza - UPI: Android
  20. TranZapp – UPI: Android
  21. CSB UPI: Android
  22. Idea Money Android App

Bonus - Earning Trick

When you use your debit/credit card you get the points. i.e. for every 100 Rs spent you will get 1 point (worth Rs. 0.25) and if you shop at Max Get More partner stores you earn up to 5X Point, which means you earn up to Rs 1.50 on every Rs 100 Spent. you can track them on max get more app.

How to be eligible to get points

Max get more is a loyalty program which work with most the banks and bank list can be seen here.

  1. First of all, go to site or download max get more app from android play store. Download Link
  2. Then sign up with your mail id and mobile no. which registered with your bank. 
  3. You will receive the OTP on this number to get point you must use the number that used in the bank. 
  4. Click my point you will see list of banks just type your credit/debit card no. (ya it is safe, don't worry) & card expiry period. 
  5. After linking your card refresh and see the point and history transaction. 
  6. If your bank is in the list then you will already eligible to get points. 

Like bank of Baroda gives its customer bank of Baroda royalty program. I have already redeemed my 240 Point worth Rs 60/-

Max Earning Tricks

You earn Rs. 101 directly in your bank account + 400 Points is credited in max get more account which is equal to Rs. 100, You can also withdrawal this in your bank account. By this loot method, you can earn Rs. 201 in just 5 minutes only. So guys don’t waste time and get free account balance in
your bank account by this offer.

How to get this offer? 

Follow the below steps to Earn from this app.:-

Some Requirements For using This Trick :

  1. You need 2 android device.
  2. 2 Mobile Number.
  3. Bank Debit Cards of This Listed Banks Only

Steps to getting Free Rs. 201 in Your Bank Account By Max get more App:-
  1. Now Refer a Merchant account and Get Free Rs. 201.- 
  2. Following the above steps, 
  3. Navigate to Menu — Refer a Merchant — Enter your Second Mobile Number which you wants to be referred.
  4. Now Go to Dashboard and Click on M-Point ( Bottom ) & Enter Rs. 1 to generate Qr Code ( For this you need 4 Reward points = Rs. 1, You can earn by Making transaction).
  5. Now take your Second Device and Make New account by Second Mobile number.- Verify by OTP 
  6. and Entering Details like Name etc.
  7. Now In Dashboard click on M-point and Enter your bank account details, 
  8. You” ll get Rs. 1 to confirm your bank account.
  9. Now scan Qr code by Clicking M-point, Which generate in 
  10. Step-3.Done! Your Rs. 100 Is credited in Your Bank Account which you enter 
  11. in Step-6 and 400 points worth Rs. 100 in Your First account.



Saral Tax India: Best Android Wallet and UPI Apps
Best Android Wallet and UPI Apps
Saral Tax India
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