Best UPI Apps in India for 2025 – Features, Limits & Charges

The Unified Payments Interface (UPI) has transformed the way India transacts, making digital payments faster, simpler, and more accessible than ever.  

In fact, Today, UPI powers a massive digital ecosystem with over 500 million active users and 650+ million transactions every day, underscoring just how central it has become to India’s financial landscape.  

But with so many apps competing for attention, choosing the best one isn’t always easy.

In this detailed guide, we will compare some of the best UPI apps in India, including their features and the advantages of using UPI, to help you make an informed choice. 

Top Best UPI Apps in India for 2025 – Detailed Comparison

In this section, we will discuss some of the best UPI apps in India. 
 

1.  PhonePe

PhonePe is a popular, feature-rich UPI app with wide acceptance and strong rewards. It is one of the best cashback UPI apps available in India today.

2.  Google Pay

Google Pay is a widely used app known for its reliable, user-friendly interface with minimal ads. It is a popular choice and the best UPI app for money transfer for users who prioritise speed and security.

3.  Paytm

It is the best UPI app for merchant partners and ideal for QR code payments. Offers a comprehensive suite of payment options, including utility bill payments and merchant payments, alongside a digital wallet.

4.  BHIM UPI

Developed by NPCI, BHIM is a secure and straightforward UPI option that is ad-free.  

5.  BharatPe

Initially focused on merchant services, BharatPe later expanded into consumer payments, offering features such as instant transfers, utility bill payments, and more.

6.  Amazon Pay

The app is a digital payment service offered by Amazon India that facilitates card and UPI transactions. As of early 2025, it is ranked eighth in the UPI market share with almost 0.6%.

7.  CRED

CRED UPI is a fintech app designed for users with high credit scores. It helps users seamlessly manage and pay their credit card bills. 

8.  MobiKwik

Started as an e-wallet, Mobikwik has soon transitioned to include full UPI support. It is one of the biggest players by value for prepaid wallet transactions.

9.  Freecharge

Freecharge is primarily a digital payments app launched in 2010 and is owned by Axis Bank.

10.  Axis Pay

Unlike its standard Axis mobile banking software, Axis Pay is Axis Bank's dedicated UPI app. Not only can Axis Bank clients use it.

11.  ICICI Mobile Pay

ICICI iMobile Pay is another robust UPI app from ICICI Bank that lets users send or receive money via UPI ID or QR code.

12.  HDFC PayZapp

Owned by HDFC Bank, HDFC PayZapp UPI is primarily a digital payments app. It’s available for both HDFC and non-HDFC users.

13.  WhatsApp Pay

In 2020, Meta launched an in-chat UPI payment service in India with NPCI clearance, enabling users to send and receive money just within WhatsApp chats.

14.  Navi Money

After PhonePe, Google Pay, and Paytm, Navi Money is the fourth-largest UPI app in India by volume. The app unifies investments, loans, insurance, and UPI payments on a single platform.

15.  Jupiter Money

Jupiter is a neobank designed for millennials and Gen Z users. The app offers a RuPay credit card with zero annual fees. 

16.  FamApp

FamApp is mainly a payments app made for teenagers and families. It lets kids and young adults have their own spending account with a custom UPI ID and a numberless FamX card.

Here is the quick summary of the best UPI apps in India: 

Also Read: What is UPI ID and How to Create UPI ID?

Features to Look for in the Best Cashback UPI App

When it comes to picking the best cashback UPI app, it is recommended to go with platforms that offer frequent rewards, seamless payments, and transparent terms.  

The best UPI app for cashback should give users consistent benefits across recharges, bill payments, and merchant transactions while keeping the experience smooth and secure. 

 Key features to consider here include-

• Flat cashback on eligible transactions without complicated conditions.
• Scratch cards that offer surprise rewards, cashback, or discount coupons.
• Partner offers from e-commerce, food delivery, travel, and offline retail brands.
• Daily limits on cashback, reward points, or eligible transactions are clearly mentioned.
• Instant reward credit so users don’t wait days to receive cashback.
• Secure payment flow with reliable UPI infrastructure and fraud protection.
• Easy tracking of cashback history, pending rewards, and offer validity.

How Users Can Maximise Benefits:

• Make high-value payments using apps offering flat cashback.
• Complete daily or weekly missions to unlock scratch cards.
• Use partner offers for shopping, food delivery, or travel bookings.
• Time payments around promotional periods (festivals, sales, app campaigns).
• Switch between apps when needed to stay within daily limits and earn maximum rewards. 

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Transaction Limits, Charges, and Fees Explained

When choosing the best UPI app for money transfers, it is important to understand transaction limits and fees. NPCI currently allows up to ₹1 lakh per day for most users, though some categories like Credit Line on UPI and bill payments have higher caps.

Likewise, banks may impose additional per-transaction or daily limits, and leading apps like Google Pay, PhonePe, and Paytm also apply their own app-level restrictions, usually 10–20 transfers per day.

NPCI rules also ensure uniformity, but final limits depend on individual banks and app policies.

UPI Limits & Charges Overview 

Best UPI Apps for Android vs iOS – Platform Insights

Here’s a quick Android vs iOS comparison of what to expect from the best UPI apps in India- 
 

Performance

Most top UPI apps deliver fast bank-to-bank transfers via UPI on both Android and iOS. However, some apps may feel slightly more optimised on Android since UPI was pioneered with Android in mind.

UI/UX Differences

On Android, many UPI apps offer more native integration (e.g., simpler bank linking, faster QR scanning, and smoother animations). On iOS, some users report a marginally slower or less fluid UI.

Security & Compatibility

Security is a key focus in UPI apps. For instance, Google Pay offers device-level encryption, biometric, or UPI PIN authentication. In terms of compatibility, all major UPI apps support both Android and iOS.

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UPI Apps: The Future of Payments

With smart features and secure handling, UPI apps have transformed how India transacts.

UPI adoption will continue to grow, driving a cashless economy. Whether you're a business or an individual, it's high time to embrace UPI apps and experience the future of payments that work seamlessly for you.

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Frequently Asked Questions

Which UPI app gives the highest cashback?

For cashback, PhonePe and CRED are the best options. While CRED pays customers for credit card bill payments and UPI transactions, PhonePe offers cashback on bill payments and shopping. 
 

Can I link multiple banks?

Yes, you can link multiple banks to a single UPI application.

What is the UPI daily limits? 
 

The standard daily limit for UPI transactions is typically ₹1,00,000, but it can vary significantly based on your bank, account, and transaction category. 
 

Are UPI apps safe for large transfers?

Yes, UPI apps are generally safe for large transfers due to their robust security features.

How to reset UPI PIN?

To reset your UPI PIN, open your UPI app, go to Bank Account Settings, and select "Reset PIN".  

Can merchants accept payments with a single QR code?

Yes, merchants can accept payments with a single QR code that works with multiple payment apps and methods.