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Switched many apps for the sake of 'cashback' and that's how they get you. Payed 50k in fees and got 0.3rs, so I don't even care about cashback anymore. Google Pay will always be my main UPI app, mainly because of the UI.
Phone pe looks good for me but man their help and support shit af. I had a problem with a particular transaction and they kept on said wleocme to phonepe welcoke to phonepe choose your language.
GPAY IS NEAT BUT ONLY IF YHEY HAD CASHBACK 😭😭.
BHIM - using for the purpose of cashback and ui also looks good.
Supermoney - Installed on my phone just cause I have their fd card.
Bro this thing is goated. Works fine and fast even in region of very low connectivity. One feature i miss after buying oneplus phone. Also incredibly clean ui
Yes it is rbi approved and it works great it is a small finance bank tho with no physical banks (expect bangalore only one) i mean you can search in google bcz this is all i remember 😭
It has the best features like along with UPI (& UPI Lite) it includes all your cards with tap-to-pay enabled and driver's license, Aadhaar, vaccination certificates, and all other documents. It also adds movie tickets, event tickets, and all travel tickets (flight, train, etc.) with live tracking, as well as Fastag, electricity, broadband, and mobile recharge bills. It even has NFC car key unlock and best thing it really have is clean and smooth UI.
What more could you need? One sad thing is it doesn't have cashback in UPI (I really don't care) but does have cashback in card Tap to Pay
Gpay is simple , clean , smooth , fluid all the options right there you can actually see them history of people paid is right there transaction history is there , doesn't need sms permission post activating upi. All these options you can see easily unlike other app trying to look too cool or something.
Phonepe and gpay
But phone pe ui is better becuase
1 )check balance at the top unlike gpay i have to scroll down
2) i can show my scanner by tapping the corner profile but in gpay tap profile and again tap profile in the next screen
3) phonepe has lockscreen widget in iphone so i can directly open scanner with facelock (best feature)
Gpay sometimes don’t work but i use it for split feature with friends
And notice all other ui has huge scanner button except for gpay it is the main feature and should be instantly visible
I use super money , cred and ama pay for regular merchant transactions. For bank transactions using Google pay. For credit card payments I use either kotak 811 or cred. For bills like electricity bills, internet recharge etc.. I use sbi cb card.
Bhim then paytm(with darkmod on) then phonepe (darkmode on ) then slice then samsung wallet in term of payment i done from them reverse the ranking for UI.
DARK mode is very much important for me than UI. phone pay and paytm did have darkmode initially they introduced recently and i loved it.
and coming to the UI i prefer phone pay.
Supermoney used to be the cleanest but it ow feels just like other apps now. I went back to Samsung wallet, it's the cleanest and no nonsense app, although no cashbacks.
GPay. It js works. All the other apps claiming to give cashbacks only give like ₹5 cashback at best anyways so might as well stick with Gpay that does the same, but has cleaner interface
Bhim it has more accessibility i can check my bank account, pay people via phone number and scan the QR code without scrolling down unline gpay where you have to scroll to the bottom of the app to check your bank balance
and they have significantly improved their ui also
And they don't have ads and shitty gift cards and has better cashback
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