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PhonePe

PhonePe Pvt Ltd (Walmart)

India's #1 UPI app with more features

(4.4)
500M+ downloads
UPI Payment App

About PhonePe

PhonePe is India's leading digital payments platform with the highest market share in UPI transactions. Beyond payments, PhonePe offers mutual funds, insurance, gold investment, and more. The app is known for excellent cashback offers and wide merchant acceptance.

Key Features

UPI payments and transfers
Wallet for quick payments
Mutual fund investments
Insurance products
Digital gold purchase
Bill payments and recharges
DTH and broadband payments
Credit card bill payments
Loan repayment facility
International remittance

Rewards & Benefits

  • Cashback on transactions
  • Up to ₹200 on first transaction
  • Exclusive merchant offers
  • Investment returns on mutual funds
  • Insurance coverage options
  • Gold at live market rates

Requirements

DeviceAndroid 5.0+ or iOS 11.0+
Bank AccountAny Indian bank with UPI
RequiredMobile number linked to bank
Age18+ years

Security Features

Two-factor authentication
UPI PIN protection
App lock with fingerprint/face ID
Device binding
24/7 fraud monitoring
Insurance on transactions

Pros & Cons

Advantages
  • Most features among UPI apps
  • Excellent cashback offers
  • Investment options built-in
  • Wide merchant acceptance
  • Reliable and fast transactions
  • Good customer support
Disadvantages
  • App can be resource-heavy
  • Too many features can be confusing
  • Some cashback has minimum thresholds
  • Wallet requires separate KYC

Frequently Asked Questions

Both are excellent UPI apps. PhonePe offers more features like investments and insurance. Google Pay has a cleaner interface. Choose PhonePe if you want an all-in-one financial app.

Open PhonePe > Go to 'Wealth' section > Complete KYC > Browse funds > Start SIP with as low as ₹500/month. PhonePe offers direct mutual funds with lower expense ratios.

PhonePe Wallet is a prepaid wallet you can load with money for quick payments. Useful when UPI is down or for merchants not accepting UPI. Requires separate KYC for full features.

PhonePe runs regular cashback campaigns on bill payments, recharges, and merchant transactions. Check the 'Offers' section for current cashback deals. First-time users get higher cashback.
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PhonePe

PhonePe Pvt Ltd (Walmart)

(4.4)

500M+ downloads

Download from official app stores only

Google PlayApp Store

Affiliate Disclosure: We may earn a commission when you download through our links. This does not affect the app or your experience.

Compare Other UPI Apps

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UPI Safety Tips

  • Never share your UPI PIN with anyone
  • Download apps only from official stores
  • Verify merchant details before paying
  • Don't click unknown payment requests
  • Keep your app updated
  • Use screen lock on your phone

Disclaimer: App features, ratings, and download counts may change. Always download from official app stores (Google Play Store or Apple App Store). We are not affiliated with the app developers.