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 Launched In 2017


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