Best Online Payment Wallets in India - Updated 2020

author FKM Content Writer

Don’t you think keeping the necessary amount of cash is difficult at times? I know if you’re going to buy a LED TV or Refrigerator then you can make payments via Card or Cash. Although, what about the local pan wala or your grocery store for instance.

You go to a provisional store and take out your list of shopping, turns out you don’t have enough money as your mother or wife told you something extra.

Apparently, he doesn’t even have a POS swipe machine, Why would as he is living in India and is not that big. You ask him for credit and he points his finger towards a board on which “Udhar lena mana hai “ is written.

I know this is very common but then what is the solution, Online Payment Wallets. We currently have a lot of Online Payment Wallets in India but the question is which one to choose.

I would the say the one which is widely accepted and has the best cashback offers. You have the answer to that as well but there are other Payment Wallets which are offering great offers and in some cases better.

So, let's have a look at the Best E-Wallet in India 2019, therefore, read on below.

1. Paytm

Paytm is among the top E-Wallets in India. If you’ll ask anyone to name any online payment wallet in India then I can bet Paytm would be the answer. A lot of shopkeepers be it small or big are accepting payment via Paytm.

Also, most of the online shopping websites accept payments using Paytm. Also, you get a great amount of cashback offer on paying via Paytm.

You can call it the king of cashback so in case if you aren’t using the service then go ahead because it’s a great alternative to keeping a lot of cash. These E-Wallets have the latest paytm coupons on movies, travel and more.

Cashback Offers on Paytm

  • Big Bazaar: Get a cashback of Rs.100 on paying using Paytm Wallet. The minimum transaction for the offer is Rs.1000 and it is only valid on the 3rd transaction.

  • Reliance Fresh: Shop your grocery and pay using Paytm, you will get a cashback of Rs.75. You need a minimum transaction of Rs.499 and it is valid on your 3rd transaction.

  • Zomato: A Cashback of Rs.100 on using the promo code “ZPAYTM” and pay using Paytm. The offer is only valid for first-time users.

  • Mojo Pizza: Get a cashback of Rs.200 on a minimum order of Rs.450 on Mojo Pizza. You need to pay using Paytm in order to avail the offer.

  • Paytm UPI Offers are an easy chance to earn free cashback with money transfer transactions online.

Steps to Add Money in Paytm

  • In order to add money to your Paytm Wallet, Click on the link here.

  • Now search for the Paytm Wallet option at the top and select Add money to Wallet option.

  • Now enter the amount of money, you wish to add and click on Add money to the wallet button.

  • Now sign in to your Paytm account.

  • Now recharge your wallet with a suitable payment method.

  • Congratulations !!! You have successfully added money to your Paytm Wallet. The added amount will be reflected in your Paytm Passbook.



2. Mobikwik

Mobikwik is another online wallet which is being widely used in India. It has a wide number of the user base in India with 10 million users till now. The company launched in 2009 and has been running successfully since then.

They also launched a lite version earlier for 2G network or people living in poor connectivity areas. Mobikwik is widely accepted at different general stores and franchises.

Also, they introduce various offers using which you can earn Supercash. This Supercash can be used with various partners of Mobikwik and can gain you great discounts. Therefore, It can surely recommend it as a side wallet.

Cashback Offers on MobiKwik

  • IRCTC Rail Connect: Get a Supercash of upto 50% and a 10% discount on the next booking on IRCTC. All you need to do is make the booking using Mobikwik. Also, the maximum cashback that you can avail using this offer is Rs.100.

  • Yatra: Get an instant discount of Rs.400 and an additional cashback of Rs.400. All you need to do is use the promo code “YATMBK” and pay using Mobikwik.

  • Reliance Fresh & Reliance Smart: Get a flat discount of Rs.500 Supercash on a minimum transaction Rs.1000. All you need to do is just pay using Mobikwik. Also, the offer is only valid on Weekend.

  • Ola: Get a cashback of upto 100% on using the Mobikwik Supercash up to Rs.100. Also, you get a discount of 25% on your 2nd, 3rd, and 4th ride maximum up to Rs.50.

  • You can also earn cashback with Mobikwik UPI offers. In order to know about the ongoing offers on Mobikwik, click here.

Steps to Add Money in Mobikwik

  • Click on the link here.

  • Now sign in to your Mobikwik account.

  • Now click on the balance option at the top of the screen and select add money option.

  • Now enter the amount of money, you wish to add and click on Add Now.

  • Now add the money as per a suitable payment method and you’re done.


3. Freecharge

Freecharge has been running successfully for a long time. The service has been widely used for making phone recharges and paying bills. Freecharge users UPI services to transfer money to anyone you wish.

The service is not really available in many stores up till now although it becomes very convenient with Freecharge to send money to your friends.

Also, the service has various offers from time to time so in case you decide on making recharges using the wallet, you might get some added benefits.

Cashback Offers on Freecharge

  • Axis Bank: Get a cashback of 100% maximum up to Rs.100 on bill payment and recharge using Freecharge. You need to use the promo code “AXIS”.

  • NEW75: Get a 100% up to Rs.75 on your first transaction on using the code “NEW75”. The offer can be used be for bill payments/recharges.

  • Zivame: Get a cashback of Rs.50 on a minimum transaction of Rs.499.

  • Pizza Hut: Get a cashback of 15% maximum up to Rs.75. The offer is valid once per month. You can also get a cashback of 30% on a minimum transaction of Rs.699 on A La Carte menu.

  • There are also other various other offers on Freecharge, Click here.  

Steps to Add Money in Freecharge

  • Click on the link here to reach Freecharge.

  • Now login to your Freecharge account.

  • Now click on the Add Money option on the website.

  • Now enter the amount of money to add into your Freecharge Wallet.

  • Now choose a suitable payment payment option.

  • Now complete the transaction. Congratulations !!! You have successfully saved money to your Freecharge Wallet.



4. Amazon Pay

Amazon Pay is an online payment wallet introduced by Amazon in the market. The services of Amazon Pay can be used on many online vendors and most importantly it comes with offers.

You have a daily limit of Rs.10000 rupees on the transaction and a monthly limit of Rs.100,000. It is a great service and you can also use it to make recharges, pay bills, and purchase things from Amazon.

Cashback Offers on Amazon Pay

  • 15% Back: Add a minimum amount of Rs.300 and get a 15% cashback up to Rs.150. The cashback will be credited before 21st November.

  • BookMyShow: Get a return of 20% on booking a ticket using BookMyShow maximum up to Rs.120. The offer is valid up to 30th September 2018.

  • Amazon Prime: The offer is exclusively for Amazon Prime users. Get an additional 10% back on Food and Movies maximum up to Rs.100.

Steps to Add Money in Amazon Pay

  • Click on the link here to reach Amazon Pay.

  • Now click on the Add Money option.

  • Now you need to sign in to your Amazon account.

  • Now enter the amount of money you wish to add and continue.

  • Now choose a suitable payment method.

  • Congratulations !!! You have successfully added money to your Amazon Pay balance. The updated amount will be shown in your account within 15 minutes.



5. PhonePe

PhonePe launched in 2015 and it has gained a great reputation since then. It is a Bangalore based company and is being widely used by people.

Do you not need multiple authentications in order to start sending and receiving money, Why? Because it is a UPI based application and the first one to do it.

Also, it gives you the freedom of directly paying from your bank account without adding money to your PhonePe Wallet. It is a great service and if you’re thinking of using it as a secondary wallet then go ahead.

Cashback Offers on PhonePe

  • 50% Cashback: Get a cashback of up to 50% with a maximum cashback of Rs.50. The offer is valid on your first recharge.

  • BSNL: Get a cashback of Rs.75 on a minimum recharge of Rs.250 or above. Also, get a cashback of 50% maximum up to Rs.50 on recharges below Rs.250.

  • Electricity: Get a cashback of Rs.50 up to 3 times on a minimum value of Rs.300. The offer is valid per month. 4

  • You can also check more Phonepe Cashback Offers.

Steps to Add Money in PhonePe

  • Click on the link here to start the process.

  • Now download the application as per your smartphones OS.

  • Open up the application.

  • Now you can add money via two methods: BHIM UPI and Credit/Debit Card.

So this was our list of the best Online Payment Wallet currently available in India. All of these wallets are running successful and comes from trusted sources.

Also, the cashback offers they have are genuine. Therefore, if you haven’t digitized yourself then now is the time and trust me all the wallets mentioned above are the best both in terms of Security and Ease.

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