Best UPI Payment Apps in India 2026 (With Referral Codes)
UPI has made paying in India free and instant, but the app you use still matters. Some give better rewards, some work better for bills, and some pay you for inviting friends. This guide compares the five popular UPI payment apps — Google Pay, Paytm, PhonePe, BHIM and Amazon Pay — plus CRED for credit-card bills, so you can pick the right one and claim live bonuses. Best UPI Payment Apps in India: Quick Comparison App Best for Referral offer Extra features Google Pay Everyday payments and rewards Code KV16w — enter before first payment Scratch cards, bills, UPI Lite Paytm Recharges, bills and tickets Link + sign-up code 8988000525 Wallet, FASTag, tickets PhonePe Most merchants accept it Invite link — https://phon.pe/v4nns08o Insurance, mutual funds, gold BHIM Simple, ad-free official app Refer & Earn in app NPCI official app, no ads Amazon Pay Amazon shoppers Invite Friends in Amazon app Amazon shopping rewards, bills, gift cards CRED Credit-card bill payments Sign-up lin...