Top 10 Mobile Payment Apps in India

Mobile commerce scenario in India is fast changing from the last couple of years. There are literally tons of mobile wallets in the country right now. The demonetization in the country and frequent cash crunches made the people to get habituated to the virtual wallets. Here are the best ten mobile wallets in India.


PayTM is the largest mobile payment app in India. It was launched in 2010 and rose exponentially in the last couple of years. PayTM faced the competition from other mobile wallets like MobiKwik, Freecharge etc but eventually became the country’s largest mobile commerce platform. Today there are lakhs of merchants in India who accept PayTM payments.


PayUMoney is based in Gurgaon. It is an online solution for payments and launched the digital wallet service in 2017. They provide one tough instant check-out facility which differentiates them from the other mobile wallets. Their refund facilities are very customer friendly. They provide immediate refunds on canceled orders.


Freecharge is a well know mobile wallet in India. They come up with exciting offers to attract youth in the country. It is widely used to do mobile recharges and online bill payments. They provide exciting coupons and cash back on the recharges.


MobiKwik has got more than 20 Million users and 60,000 merchants who accept the MobiKwik payments. They provide cash collection facility at your doorstep which differentiates them from the other players. MobiKwik can be used to pay your electricity bills, mobile recharge, pay your shopping bills etc. It’s growing rapidly and putting great efforts to expand their merchant base.

State Bank Buddy

State Bank Buddy is launched by India’s largest banking network. State Bank Buddy helps the users to do mobile recharges, pay utility bills, shopping bills and send money to other users. Many users complain about their user interface. Though they provide secure payment solution, they need to simplify their apps to be user-friendly.


LIME is a mobile wallet launched by Axis Bank. It is also similar to State Bank Buddy and Pockets app. Axis bank customers can add money using debit or credit card or net banking. They also provide shared wallets which enables user to share funds with family and friends during parties or vacations.

ICICI Pockets

ICICI Pockets is a mobile wallet started by ICICI bank for their customers. It’s really easy to add money to Pockets wallet with ICICI bank account. Like all the wallets, Pockets can be used to book movie tickets, pay the utility bills, mobile recharge. You can receive and transfer the money instantly using Pockets app. Pockets app provides a feature to split the expenses with the buddies which is unique.


Momoe is based in Bangalore. It’s a mobile wallet startup that concentrates on restaurant and travel payments. Users can store their debit and credit card information and make the payments at various grocery stores, retail outlets, food joints, restaurants, salons, apparel stores etc.


Citrus payment gateway is a popular payment gateway among internet users. Now they provide an e-wallet app to store money and make payments. They tied up with many online merchants and they collaborated recently with Woohoo which is a gifting portal associated with more than 5000 offline merchants.

Citi MasterPass

Citi MasterPass is a mobile wallet service started by Citi Bank India. It’s country’s first global wallet. This wallet is for Citi Bank customers. They can add money from Citi Bank savings account, Citi Bank Debit or credit cards. More than 200,000 e-commerce stores accept payments from CitiMaster Pass. It provides single touch payment facility which really fast and secure.

HDFC Chillr

Chillr is a mobile wallet developed by HDFC bank for its customers. The unique thing about this app is the user can send money to anyone in their phone’s contact book. So the user need not add any beneficiary before sending the funds. With Chillr app you can make utility bill payments, split expenses, payments in e-commerce stores, payments to many offline merchants etc.


BHIM UPI is an initiative from Government of India with a vision to make this country cashless. It’s not particularly a mobile wallet. But it can be used to quickly send and receive funds. It has got a very simple user interface and it just takes seconds to transfer funds using this app.


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