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: