Top 10 Online Recharge and Bill Payment Apps In 2023 To Save Money

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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 numbers, 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 have 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 


PhonePe is the easiest solution for mobile recharge 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 recharge using a credit card, though.

Download: PhonePe

Tata NEU

Tata Neu is a super app that lets you do almost everything thing. You can shop for clothes, electronics, order groceries, medicine, and whatnot. This Super APp also offers users the opportunity to earn rewards on all credit card transactions while providing instant access to financial resources like personal loans and credit lines. It simplifying bill payments, Tata Neu also facilitates direct money transfers to bank accounts of friends, family, or any contact using Tata Pay UPI.

Moreover, Tata Neu presents NeuPass, an upcoming exclusive membership service that provides subscribers with a range of exceptional advantages across Tata brands. Subscribers can delight in receiving a minimum of 5% extra NeuCoins on every purchase made through the app, along with other enticing benefits that will be revealed in the coming days.

Download: TataNeu


CRED is another app that lets you do instant bill payments and also offer some cashback. With CRED, users can conveniently pay all their bills, including those for electricity, mobile, credit cards, and rent, and earn rewards and cashback each time. The app also allows users to make payments at stores and to contacts through UPI, offering a versatile payment solution.

CRED coins earned from bill payments can be utilized to win exciting prizes and unlock access to member-exclusive products at special prices. Additionally, CRED provides useful features such as payment reminders to ensure timely credit card bill payments, detection of hidden charges and duplicate transactions, and a comprehensive spend analysis that offers insights into credit card usage.

Download: CRED

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.

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.

Download: Paytm

Google Pay

If you are looking for mobile recharge and online payment app with heavy discounts and deals, Google Pay 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 Google Pay is in backed by Google, 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, Vehicle Fast Tag recharge using the Google Pay app.

Download: Google Pay

Airtel Thanks

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.

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.

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.

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.

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.

Ashish KumarAshish Kumar
He is Journalism graduate, sports lover, and a passionate reader. Just like others his eyes is also filled with dreams and believes that one day those dreams will come true. Cheers!

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Pradip gawai
1 year ago


Francis Schuler
2 years ago

Information has long been master.

3 years ago

how much amount of money is payable

3 years ago

in haptik app howmuch amount of money is payable

Raj Parsaniya
4 years ago

Thanks for sharing such best ideas for recharge and bill payment. Keep sharing like this All the best 🙂

Krispy Patel
5 years ago

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.

Anish Kumar
5 years ago

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.