Life was made easy and stress-free with digital payment and recharge apps. They have given us the liberty to make payments of prepaid/postpaid mobile number, landline, electricity, insurance, and gas bill anytime and from anywhere.

What’s more? These apps offer massive discounts and deals on every recharge, which makes them even more useful. The success can be judged by the sheer number of mobile-based e-recharge services that has grown in India over the past couple of years.

The new services are generally the ones that offer most lucrative deals. So, if you are looking for mobile and bill payment apps that offer comprehensive and efficient solutions, here are a few you must try.

Also Read: 10 Best Phones Under Rs. 20,000 


The PhonePe is the easiest solutions to mobile recharges and bill payments. It is a UPI-enabled app that can link directly to your bank account for transactions. The PhonePe app supports everyday payments of utility bills, mobile recharge, funds transfer to friends and family, request money, etc.  and is quite simple to use.

Apart from this, the app also offers mobile-wallet service, multiple payment modes, and will often surprise you with offers like cash back and discounts. One can also earn handsome rewards from PhonePe by referring the app to others.

Unfortunately, the app doesn’t have the option to load money from your credit card in the wallet. You can pay your bills and do recharges using credit card, though.


  • UPI-enabled
  • Special offers including that of Airtel’s
  • Earn from Referral code
  • Cashback


  • Can’t top-up wallet with Credit Card

Download: PhonePe


Haptik is a one place app that integrates facilities ranging from booking cabs to movie tickets to flight tickets. The app partners with 25 services including Zomato, Ola, Bookmyshow, Go iBibo, Urbanclap, and Cleartrip to cater to the needs of its users. With Haptik you can also use Amazon Pay Balance to do prepaid/postpaid mobile recharge or DTH recharge.

Other than booking services, you can use Haptik to set reminders using its chat based personal assistant, bill payments and find nearby places like ATMs, Free WiFi spots, chemists, bus stops etc. The app is also loaded with exciting offers that can be availed with every transaction.


  • Attractive offers
  • Supports Amazon Pay wallet
  • Personal Assistant Feature


  • Limited bill payment options

Download: Haptic


Niki is an AI-based personal assistant app that provides an array of bill payment services including electricity, prepaid and utility or book bus tickets, movie tickets online, cabs, hotels and more. Several vendors that you won’t find on other regular apps can be found on Niki.

In short, it is a one-stop destination for all your needs, which helps you get rid of multiple apps from your phone. Niki also offers exclusive deals, discounts and cash back to its users when you transact using the app. Just like Haptic, Niki also integrates with Amazon Pay to make recharges.


  • Postpaid Recharges
  • AI-based Personal Assistant
  • Supports Amazon Pay


  • No prepaid Recharge

Download: Niki

Amazon Pay

Another Pay is Amazon’s digital payment app. It is the feature integrated into your Amazon account. Using Amazon Pay you can add money to your account to make payment for purchased goods and services from websites and mobile apps.

Amazon also partners with various services to promote its e-payment and offers discounts and cash back using the Pay balance. You can add up to Rs. 10,000 on Amazon Pay and use it to pay for food orders, movies and events, kindle ebooks and much more. Amazon also have monthly cashback offers on loading money to the wallet. However, one thing that is missing out from Amazon’s heavy artillery is the Bill payment option.


  • E-wallet
  • Slew of offers
  • A Convenient payment option for Amazon Eco-system


  • No Bill Payment
  • UPI feature Missing
  • Can’t send and receive money

Download: Amazon

Also Read: Samsung Galaxy A31 review


Paytm is the most popular and reliable app for online recharge and bill payments. The dynamic e-wallet and UPI app offers myriad of services on its platform including payments, money transfer, shopping, recharge facilities, bill payments, and movie, bus and air tickets among others.

Paytm now has more than 300 million users and probably that is its biggest disadvantage. Now, that it has set a bar for itself in the market there are limited deals, discounts and cash backs in the app.


  • Dynamic App
  • Fast and Reliable
  • Both UPI and Wallet option
  • Array of Bill Payments


  • Fewer deals on recharge and bill payment

Download: Paytm


If you are looking for mobile recharge and online payment app with heavy discounts and deals, Tapzo is a great option. The new age all-in-one app is for all your prepaid mobile & DTH recharges, postpaid, Electricity & other utility Bills.

Since Tapzo is in its initial stage, it offers lucrative deals and discounts on one or the other transaction. You can also book Cabs/Taxis, autos, Flights, Hotels & Buses/Order food from any nearby restaurant/Book Home services, Appliance repairs & Vehicle repairs using the Tapzo app.


  • All-in-one app
  • Loads of offers, deals, and discounts
  • E-wallet


  • No UPI feature
  • Can’t transfer money

Download: Tapzo

ICICI Pockets

ICICI Pockets is a VISA-powered e-wallet app that customer of any bank can use to recharge mobile, send money, shop anywhere, pay bills and much more. The wallet feature can also be used to send money to bank accounts and friends using mobile number, email id, or Facebook ID. You can fund the app instantly using any bank debit card or Internet Banking and it’s ready for use.


  • Visa-powered
  • e-wallet + UPI app
  • NFC payments


  • Limited bill payment options

Download: ICICI Pockets


PayZapp is HDFC’s offering of mobile platform e-recharge app for all. With PayZapp, you can shop on your mobile at partner apps, buy movie tickets, groceries, compare and book flight tickets and hotels, shop online and get great discounts. The app can also be used to share money with anyone in your contact list or to your bank account, pay bills and recharge your mobile, DTH and data card and many more.


  • UPI-powered
  • Pay all your pending bills
  • Visa and Master Card Supported


  • No support for American Express card
  • Restricted Money Transfer.

Download: PayZapp

Also Read: 10 Best Phones Under Rs. 15,000


Freecharge is one of the first online recharge and bill payment apps. Although now it is in dwindling state yet it offers several exclusive deals of which users are generally notified via emails. It has a simple and smooth process along with various coupons which could be used at its partner stores to get discounts.

FreeCharge has also started supporting merchant payments, which may not be as widely accepted as Paytm or Mobikwik but is steadily making progress.


  • Several exclusive deals
  • Smooth Process
  • Merchant Payment option


  • Limited Features
  • Not UPI-enabled

Download: FreeCharge


Mobikwik app is a hassle-free mobile payment app for all your utility bills, mobile recharges and shopping. The app benefits from its e-wallet that can be used to make payments at top merchants like Big Basket, Book My Show, eBay, Myntra, Grofers, IRCTC, Domino’s Pizza, Shop Clues, OYO Rooms and more.

Mobikwik wallet feature also comes with super cash-back offers. The app supports limited money transfer and it’s literally impossible to use the entire Super Cashback.


  • Large number of vendors supported
  • Pay to Merchants with E-wallet


  • Missing UPI Feature
  • Supercash isn’t as useful as it might seem

Download: MobiKwik

Top 10 Online Recharge and Bill Payments Apps in India

These are the prominent mobile-based payment widely used in India. Although every app have recharge and bill payment facility on their platform, yet they are different from one another in one or the other aspect. If you wish to remain up to date with the latest offers and deals across different portals, you can also visit Smartprix Deals page.


  1. Good Article!!! But i suggest Cubber Merchant App/Website one of the India’s best business platform for Distributor and Retailers. It provides attractive commission, cashbacks, discount offers on online recharge, payment, money transfer and ticket booking services.

  2. Now it is very common to use online payments, I always prefer to use a better secure gateway on online payments ie, Snapay it is a latest developed secure online payment app which is very useful to do online money transfers and online shopping.


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