India’s best UPI app for iPhone you can trust 10

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I’m sure fellow iPhone users are waiting for Apple Pay to come to India. But for now, you need to use another UPI app for iPhone. UPI stands for Unified Payments Interface and is the easiest cashless transaction method in India.

UPI covers everything from sending and receiving money, charging your mobile phone, paying for utilities, investing and shopping online. This makes life very convenient.

First, connect your bank account and start trading on the go. Some apps also offer lucrative offers and cashback, in addition to digital wallets for storing money. Let’s see!

Note: The UPI app can only be used with registered phone numbers connected to your bank account.

  1. Google Pay
  2. PhonePe
  3. PayTM
  4. Thank you Airtel
  5. Free of charge
  6. Amazon Pay
  7. BHIM Axis Pay
  9. JioPay
  10. Mobikwik

1. Google Pay: Editor’s Choice

Screenshot of google pay upi app

Google Pay is at the top of my list of the best UPI apps for its speed and ease of use. Work with all banks that support BHIM UPI payments to guide you through the entire setup process. You can not only pay or request payment to others, but also communicate via text messages.

Your money will be kept securely in your bank account until you approve the payment using your UPI PIN. In addition, you can enjoy various conveniences such as charging mobile phones, paying for electricity, gas, and broadband. You can also set up these recurring payments so you don’t miss them.

Of course, you can get rewards by paying with cashbacks and vouchers from various stores. You can enjoy special offers on a regular basis, especially if you want to introduce your friends to use the app. It also supports QR code payment, so it can be easily used at local shops and shops.

Besides, I don’t enjoy trivia quiz games in the app, but my editor Nidhi loves games related to upcoming festivals and games.

I think the only reason she enjoys those trivia is because she won!

Strong Points

  • Clean and well-designed interface
  • Simple
  • Various functions
  • No ads


2. PhonePe: The best UPI app for rewards

screenshot of phonepeupi app

PhonePe is another major UPI app worth putting on your iPhone. It offers instant money transfers, bill payments, investment trust investments, various foods, travel, groceries, shopping with e-commerce apps, and much more without having to download them individually.

For example, you can use it to book a trip with MakeMyTrip without the need for the MakeMyTrip app.

You can also buy or renew travel, health and other types of insurance. In addition, it is so versatile that you can buy and sell gold on it or receive delivery at a certified gold front door.

I especially love PhonePe cashback and other rewards. These are more profitable than those offered by Google Pay. (Nidhi earned over $ 2,000 on Google Pay benefits, giving me a weird look to write this)

Strong Points

  • One-stop payment solution
  • Great cashback and rewards
  • Reliable service
  • Includes wallet


3. PayTM: The best UPI app for your business

screenshot of paytmupi app

Paytm was one of the first digital payment apps I used and has grown incredibly over the years. The great thing about being widely accepted throughout India. Ideal for all regular cashless payments such as sending and receiving cash, recharging, billing and online shopping.

It is also a convenient mobile wallet that can be used anytime, anywhere. I like how the Paytm wallet also acts as a FASTag account. So you can use Paytm Wallet to buy and manage Fastag for any vehicle with minimal documentation.

If you invest in stocks, you will love PayTM. It’s the perfect UPI app for an IPO to help you not only sign up for an IPO, but also get information about your subscription and make informed decisions.

With a wide range of options, it is a very versatile UPI app that is essential for both businesses and individuals.

Strong Points

  • The most widely accepted UPI app
  • Favorable offers and cash back
  • Lots of options
  • Includes wallet


  • The cluttered interface makes it more user-friendly


4. Thanks to Airtel: Great for Airtel subscribers

Airtel Thank you upi app screenshot

If your carrier is Airtel, you are probably familiar with the My Airtel app. Thank you Airtel now. This is an all-in-one app for UPI payments, recharges, billing and money transfers. Of course, you can also manage all Airtel services and enjoy exclusive offers.

Payments are protected through Airtel Payments Bank using Airtel SafePay. Use Airtel Network Intelligence to send transaction alerts to phone numbers for added security.

In addition, wink music with a rich selection of top love songs, retro hits, party chart busters and more is also included.

Strong Points

  • Well organized
  • Limited offer
  • Additional features like wink music


  • Customer support may be improved


5. Free: Great for shopping

Free upi app screenshot

It is one of the oldest cashless payment apps in India. From recharges to bill payments, movie tickets, UPI transfers, investments, FreeCharge covers everything well.

It has an excellent trading section that allows you to just start with Rupees and buy lucrative discount coupons from your favorite brands!

In addition, you can get gift cards from brands such as Flipkart, Lifestyle and Myntra. Best of all is an easy-to-use interface that looks great and works effectively. Finally, this is one of the few UPI apps available on the iPad.

Strong Points

  • Comfortable interface
  • Available on iPad
  • Shopping deals


  • Advertising interferes with the experience


6. Amazon Pay: The best UPI app for cashback

Amazon PayUpi app screenshot

understood. Amazon Pay is an option for the Amazon India Shopping App, not a standalone app. However, it’s worth using to enjoy the cashbacks and deals you can use to shop on Amazon. Like all the best UPI apps on this list, you can use Amazon Pay to send and receive payments.

You can also do mobile recharges, bill payments, travel bookings, insurance, gift cards and more. Of course, you get great cashback and deals along the way! Plus, you can rest assured that you’ll have the best customer service from Amazon.

Strong Points

  • Easy to use
  • Favorable cashback offer
  • All required options


  • There is no dedicated app
  • Complex to find within the Amazon app


7. BHIM Axis Pay: The simplest

screenshot of bhim axis payupi app

Some banks have their own UPI apps, such as the HDFC UPI app for the iPhone, but Axis Bank is the best choice. It is well designed and reliable.

It can be used by both Axis Bank and non-Axis Bank customers to make payments to anyone over the phone without knowing the recipient’s bank details. It works well and has a nice interface that is easy to use.

In addition, the recharge function is also nifty. This app uses very little space and data, so it’s lightweight on your phone. I also get cash back from time to time, but the rewards are not as good as other UPI apps.

Strong Points

  • Clean interface
  • Easy to use
  • Quick recharge


  • There are no many offers or rewards


8. BHIM UPI: The best multilingual UPI app

screenshot of bhimupi app

Check out this app from the UPI maker. It’s very easy to use and you can set your own custom UPI. It includes all the standard features you’d expect, such as sending and receiving payments, paying invoices, and scanning QR codes.

In addition, the app can personalize your home screen to show you the options you use most often. A distinctive element of this app is that it is available in 20 Indian languages ​​such as Hindi, Marathi, Tamil and Bengali.

Strong Points

  • Available in 20 regional languages
  • Simple and fast
  • Developed by the creator of UPI


9. JioPay: Best for Jio users

Screenshot of jio payupi app

This is Another great UPI payment solution from Reliance Jio. Like Amazon Pay, it’s integrated into the MyJio app, not a standalone app. We offer a variety of entertainment options such as UPI payments, bill payments, QR code scanning, and movies, music, games and quizzes.

If you are already using the Jio service, this app is worth having and you don’t need to get another UPI app. You can also enjoy exciting offers and link to other wallets such as Paytm and PhonePe.

Strong Points

  • All-in-one app
  • Good interface
  • Attractive discounts from partner services


10. Mobikwik: Great for credit

screenshot of mobikwikupi app

MobiKwik is another popular UPI app that helps you manage all your finances in one place. It can be used for recharging, remittance, shopping, reservations, etc.

What makes it stand out is the credit facility that you can use now and pay later at thousands of brand stores!

In addition, you can get an immediate personal loan of up to Rs 500,000.Interest rates
12% -30% pa with a 6-36 month holding period. So this is the perfect app to help you with financial difficulties.

There was news of reported data breaches, but it works efficiently and well. However, MobiKwik denied this. Many people may also appreciate the patriotic brand!

Strong Points

  • Acts like an expense manager
  • Set up a personal payment link
  • Get credit and loans


This concludes the list of best UPI apps for iPhone. Google Pay is my favorite, but all of these apps offer similar functionality and convenience. Each has its own advantages and makes cashless payments very easy.

Whichever you choose, the UPI app is a must have today. What do you think? Please let us know in the comments below. If you have any questions or concerns, please feel free to contact us.

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