Best Bill Payment apps in India

 

The way in which we pay our bills for utilities has undergone a massive upgrade in the past few years. We no longer need to go to the administrative offices, stand in a queue and wait for our turn to pay bills. The fast-growing digitization has led us into a comfort space of mobile apps specially created to serve as a medium through which you can pay bills for various utilities in our day to day life.

What are the bill payment apps?

Bill payment apps are mobile applications that act as a medium through which you can pay bills, recharge your phone, DTH, OTT subscriptions, transfer funds etc. These apps have made it extremely convenient to pay bills anytime, anywhere. Especially in the pandemic, these apps have made it possible to transact easily & quickly from the comfort of the 4 walls of your home. You do not need to step out for paying any bill.

Which online bill payment apps are good for paying utility bills?

The internet is flooded with apps that can be useful for paying utility bills, making payments etc. But we must carefully choose our options as it involves monetary transactions and we must be mindful of the security & user experience of the app. Below are a few options that you can look for if you want an app for online payment of utility bills –

Paytm – Paytm is one of the earliest apps to enter the bill payment’s realm in India. It has gained popularity steadily ever since and is still growing. The app offers services like money transfer, mobile and DTH recharges bill payments for utilities etc. It also allows you to buy and sell digital gold (24K). It comes with additional features like travel and hotel bookings, online shopping etc.

Bajaj Finserv App – Bajaj Finserv App comes with a host of premium features for its users. You can make online bill payment for utility bills like electricity, water, LPG etc with great ease. The app also allows you to recharge for DTH, mobile, OTT subscriptions etc seamlessly. You can view and download payment receipts, access past transactions and manage your accounts online. The app is available in 14 different regional languages so that users can view the app in the language of their choice.

PhonePe – PhonePe app is another great option to pay for your utility bills instantly. It also allows you to make payments for offline and online stores seamlessly. The recharge facility of the app includes Mobile, DTH and OTT recharge for all top operators like Jio, Vodafone, Airtel, Idea, etc. Users can also transfer money with BHIM UPI to anyone, anytime, anywhere. The app offers other products like insurance, buying and selling 24K gold, mutual funds, and partner apps of other brands under ‘PhonePe switch.’

Read Also - Top advantages of online bill payment

MobiKwik – MobiKwik is a popular online bill payments app among the masses. It is a platform through which you can make utility bill payments for over 200+ billers. You can pay for electricity, water, LPG, prepaid and postpaid mobile recharges etc. Users can also transfer money using MobiKwik seamlessly. It also offers offline QR payments at its partner outlets. Users can order groceries, medicines, food, gadgets, etc very easily. The app also offers instant loans at affordable rates.

Freecharge – This is one of the preferred apps by people when it comes to utility bill payments. Freecharge has its own set of unique offerings apart from utility bill payments. It offers its users mutual fund, loans, Express FD, Google Play recharges etc. One can avail best deals from top brands for movies, entertainment, food, shopping etc. Users can also buy digital gold through Freecharge.

PayZapp – PayZapp is the online bill payments app developed by HDFC bank to facilitate the need for recharge and payments of its users. It is the one app for user’s many needs. One can pay for utilities, recharge mobile, DTH, etc, shop online and much more with the PayZapp app. It also enables money transfer and has exclusive partner offers for its customers.

 

App	Rating
Paytm	4.4
Bajaj finserv App	4.4
PhonePe	4.4
MobiKwik	4.2
Freecharge	4.1
PayZapp	3.9

 

 

 

 

 

6 Top Reasons Online Mobile Recharge Is More Convenient And Beneficial

 

Online mobile recharge has been one of the most convenient ways to top up our phones these days. With the aid of their smartphones, the vast majority of people can access the Internet at any time and from anywhere. As a result, the online recharge app method is easy to comprehend and use.

As technology advances, online payment options have become more secure and convenient to use. These internet recharge gateways are open 24 hours a day, 7 days a week. Here is a list of reasons why you should use an online mobile recharge service.

As previously mentioned, one of the primary reasons why customers are increasingly turning to online mobile recharge apps for their smartphone recharge needs is that it is typically less costly than visiting a store. There is a lot of competition among online recharge retailers, and the customer benefits from it. With the online recharge facility, all you must do is select the service provider, enter your phone number, and enter the amount, and you're finished. You are no longer subjected to the arduous scratching procedure. There is no need to scratch at all.

Here are cool advantages of doing online mobile recharge:

• 1.       24 x 7 Availability
• 2.       Quick & easy
• 3.       Hassle-free
• 4.       Win Cashback & Rewards
• 5.       Enables one to choose a pack that best suits their needs
• 6.       Flexible payment options

 

1.       24 x 7 Availability

The most significant benefit of these online mobile recharge apps is that they can be completed entirely online and are functional 24x7. You are no longer required to queue and wait for your turn. If you have access to the internet, you can access the online portals from anywhere and at any time.

2.       Quick & easy

The use of online recharge portals is easy. They help you save both time and money. These days, there are a variety of recharge channels to choose from. All you must do is go to the website and download the app. Following the on-screen instructions for recharging your number with the appropriate amount after you've gained access to your favourite portal, you'll need to follow the on-screen instructions for recharging your number with the appropriate amount.

 

3.       Hassle-free

You no longer must be concerned with your place or time. You can use the internet to recharge your phone from anywhere in the world. Furthermore, if you want to recharge for a friend or family member, you can do so with ease using online mobile recharge services. There are many apps that offer an easy and hassle-free option to recharge your mobile.

4.       Win cashback & rewards

Many mobile recharge apps give you a chance to win cashback on your spends. With digital payments, you can take advantage of a variety of promotional offers ranging from shopping to bill payments to ordering food. When you use your bank's Internet Banking portal to make a payment, you can save money and get a variety of other benefits.

 Read Also - Best online recharge apps in india 

5.       Enables one to choose a pack that best suits their needs

Now you can make an informed decision for the mobile recharge pack. You can go through the list of offering of your service provider and choose the one that best suits your needs. The option however does not exist when you go to a physical outlet for a store as many store owners do not offer a list of options to choose from.

 

6.       Flexible Payment options

With a mobile recharge app, one can easily pay with their preferred mode. Most mobile apps facilitate easy payments with UPI, wallets, net banking, debit and credit card. You can easily pay from one of the chosen modes with the app.

There are many banking and non-banking mobile recharge apps. One of such apps is Bajaj Finserv. Bajaj Finserv app not only facilitates digital monitoring of your loans, but now you can pay your electricity, DTH, FASTag, mobile and other bill payments.

 

7 Awesome Advantages of Online Bill Payments

 

With the boom in digitization, there are so many online avenues for ordering food, shopping, banking services, lending and much more. You can now make instant bill payments from the comfort of your own home thanks to online banking and mobile apps. If you need to give money to family and friends for the holidays or make payments for a surprise present, it's all possible with a few taps.

 

Using your financial institution's electronic bill payment service, which is also free and accessible via Online payments apps, has several advantages. This time-saving method of bill management saves you time because all your bills appear in one location rather than requiring you to log into several online accounts.

 

Some awesome advantages of online bill payments include:

1.       Convenience

2.       Ensures secure payments

3.       Easy mobile access

4.       Facilities tracking of payments

5.       Earn rewards and cashback

6.       Saves your time

7.       Eliminates paper waste

 

1.       Convenience

With the emergence of mobile payments apps, you can now pay your bills right from the comfort of your home. You do not have to stand in long queues outside stores to pay your bills. You don't need to recall several passwords or log into several websites. Many providers even give you the option of pre-scheduling payments for their due date or a different day. You can use online mobile apps to schedule payments whether you receive your bills electronically or by mail. The banking institution would either pay those companies electronically or by check after arranging a payment.

 

2.       Ensures secure payments

Some Indians still have reservations about digital payments, believing that they are insecure. However, rest assured that banks employ a variety of security measures to ensure that each payment is completely secured and covered. A two-factor authentication device protects any online banking transaction. Several methods are incorporated into bill payment services to keep your information safe, including:  usernames and passwords, security layers that help in preventing outsiders from attacking, encryption processes that keeps your data hidden during electronic transit, and automatic sign off if your online session is idle for too long.

 

3.       Easy mobile access

Mobile payment apps ensure easy tracking of your bills and send reminders as well. Mobile connectivity is one of the most significant benefits of online banking. Many banks already have their own smartphone apps or a mobile-specific official website. These options allow you to make payments while you're on the go. This on-the-go payment versatility comes in handy for a variety of reasons, including paying utility bills on the way to work, shopping online while dining out, and exchanging funds.

 

4.       Facilities tracking of payments

The 'watch your transactions' feature is one of the most critical online mobile banking features, whether you're trying to stick to a budget or just want to see when you last paid a bill. You can monitor all your previous online transactions, including purchases and transfers, once you log in. Additionally, the tool allows you to filter the statement by date, month, or year.

 

5.       Earn rewards and cashback

Many mobile bill payment apps give you a chance to win cashback on your spends. With digital payments, you can take advantage of a variety of promotional offers ranging from shopping to bill payments to ordering food. When you use your bank's Internet Banking portal to make a payment, you can save money and get a variety of other benefits.

 Read Also - Top Benefits Of Online Bill Payments 

6.       Saves your time

Many bill payment apps have a super-fast interface facilitating a speedy bill payment. It just takes a few minutes to pay your bills once you've set up electronic bill payment in your online or mobile banking account.

 

7.       Eliminates paper waste

One of the most awesome advantages of doing your bill payments online is it the reduction of paper waste. Paying your bills online eliminates the need for paper checks to be mailed. It not only reduces paper waste, but it also saves money on postage and envelopes.         

There are many banking and non-banking bill payment apps. One of such apps is Bajaj Finserv. Bajaj Finserv app not only facilitates digital monitoring of your loans, but now you can pay your electricity, DTH, FASTag, mobile and other bill payments.

Top reasons you should use credit card in India

 

The history of Credit Cards can be traced back to the 1920s in the United States where they were first used. Since then, this instrument has gained popularity rapidly among the masses. A Credit Card is an instrument that allows its owner to pay for goods or services in advance; up to a certain limit and then repay it with interest later. Generally, it possesses the attribute of Revolving Credit; wherein the Credit Limit is revised upon complete repayment of past debts.  

Here, there is no fixed time frame to pay back the amount used through the Credit Card. The more time any cardholder takes to repay, the more interest he is charged. There are numerous options where you can apply for an online credit card. RBL MyCard, Bajaj Finserv, CredPal are some of the popular Credit Card apps or you can also apply on any Bank application. You can easily avail online credit card and monitor your transaction through the app.

Here are some top reasons for using Credit Card –

1) Perks & rewards – Any credit card comes with its perks and benefits. A thing that remains constant with any credit card is the offers, rewards or exclusive deals that come with it. Each card has to offer a different set of deals and rewards from its partner brands. You can greatly benefit from these offers as they can help you save money on shopping etc.

2) Alternative to cash – With a credit card, there is very little need left for you to carry cash around with you. Carrying a big amount with you can be risky too. Hence, instead, you can just use your credit card for any transaction which is more convenient. Also during the pandemic, it can help you make con-tactless payments, as cash flows through a lot of places, one cannot guarantee that it is free from germs. Sanitizing one card is always easier.

3) ATM withdrawals – Just like debit cards, credit cards allow you to withdraw cash from ATM machines. A small amount fee charged for it, but in case you are in urgent need of cash, your credit card can come to your rescue.

4) Universal acceptance – You may go anywhere in the world; a credit card is universally accepted. It is a commonly accepted mode of payment all around the world. You pay very easily even in foreign countries; it can help you travel abroad easily.

5) Credit score – When you use your credit card to make a certain purchase, you have a definite time period to repay the bill back. The more bills you repay in time, the more it is beneficial in improving your credit score. It gives confidence to the lenders in you that you pay back your debts in time and you are trustworthy.

Read More - Benefits of having credit card in india    

6) Convenient – In case you find yourself in any kind of emergency, a credit card can come in handy. You can quickly use it and get the situation under control when time is of the essence.

You can easily apply for a new credit card via banks or credit card apps like the RBL MyCard app or Bajaj Finserv App. RBL credit card is one of the popular cards in the market. An unsecured credit card needs a strong credit history from the applicant. Sometimes you may not have the pre-approved offer for a credit card. In such cases, if you do not have a credit history, you can opt for a secured credit card where a security amount is taken from you against your new credit card.

 

 

 

 

Best Bill Payment Apps In India

The way in which we pay our bills for utilities has undergone a massive upgrade in the past few years. We no longer need to go to the administrative offices, stand in a queue and wait for our turn to pay bills. The fast-growing digitization has led us into a comfort space of mobile apps specially created to serve as a medium through which to pay bills for various utilities in our day to day life.

What are the bill payment apps?

Bill payment apps are mobile applications that act as a medium through which you can pay bills, recharge your phone, DTH, OTT subscriptions, transfer funds etc. These apps have made it extremely convenient to pay bills anytime, anywhere. Especially in the pandemic, these apps have made it possible to transact easily & quickly from the comfort of the 4 walls of your home. You do not need to step out for paying any bill.

Which apps are good for paying utility bills?

The internet is flooded with apps that can be useful for paying utility bills, making payments etc. But we must carefully choose our options as it involves monetary transactions and we must be mindful of the security & user experience of the app. Below are a few options that you can look for if you want an app for online payment of utility bills –

Paytm – Paytm is one of the earliest apps to enter the bill payment’s realm in India. It has gained popularity steadily ever since and is still growing. The app offers services like money transfer, mobile and DTH recharges bill payments for utilities etc. It also allows you to buy and sell digital gold (24K). It comes with additional features like travel and hotel bookings, online shopping etc.

Bajaj Finserv App – Bajaj Finserv App comes with a host of premium features for its users. You can make payments for utility bills like electricity, water, LPG etc with great ease. The app also allows you to recharge for DTH, mobile, OTT subscriptions etc seamlessly. You can view and download payment receipts, access past transactions and manage your accounts online. The app is available in 14 different regional languages so that users can view the app in the language of their choice.

PhonePe – PhonePe app is another great option to pay for your utility bills instantly. It also allows you to make payments for offline and online stores seamlessly. The recharge facility of the app includes Mobile, DTH and OTT recharge for all top operators like Jio, Vodafone, Airtel, Idea, etc. Users can also transfer money with BHIM UPI to anyone, anytime, anywhere. The app offers other products like insurance, buying and selling 24K gold, mutual funds, and partner apps of other brands under ‘PhonePe switch.’

MobiKwik – MobiKwik is a popular payments app among the masses. It is a platform through which you can make utility bill payments for over 200+ billers. You can pay for electricity, water, LPG, prepaid and postpaid mobile recharges etc. Users can also transfer money using MobiKwik seamlessly. It also offers offline QR payments at its partner outlets. Users can order groceries, medicines, food, gadgets, etc very easily. The app also offers instant loans at affordable rates.

Freecharge – This is one of the preferred apps by people when it comes to utility bill payments. Freecharge has its own set of unique offerings apart from utility bill payments. It offers its users mutual fund, loans, Express FD, Google Play recharges etc. One can avail best deals from top brands for movies, entertainment, food, shopping etc. Users can also buy digital gold through Freecharge.

PayZapp – PayZapp is the payments app developed by HDFC bank to facilitate the need for recharge and payments of its users. It is the one app for user’s many needs. One can pay for utilities, recharge mobile, DTH, etc, shop online and much more with the PayZapp app. It also enables money transfer and has exclusive partner offers for its customers.

App	Rating
Paytm	4.4
Bajaj finserv App	4.4
PhonePe	4.4
MobiKwik	4.2
Freecharge	4.1
PayZapp	3.9

 

Best EMI Card in India For Online Shopping

 

Imagine hassle-free shopping, without worrying about the balance in your account? With an EMI card you can shop from a countless range of latest electronics, home appliances and gadgets online, at utmost ease, without the need for a credit card.

The Bajaj Finserv EMI network card is one of the best EMI Card in the market right now. The benefits of are endless. It is indeed one of the best ways of making hassle-free payments when you don’t want to pay the entire amount of the purchase upfront. The EMI network card benefits you with the concept of EMIs (Equated Monthly Instalments). You can convert your big-ticket purchases into easy and affordable EMIs and repay it easily with your chosen tenure.

Some of the benefits of Bajaj Finserv EMI Network Card include:

·         Easy and hassle-free documentation process

·         High pre-approved limit of up to Rs. 4 lakhs

·         Flexible repayment tenure

·         You can foreclose your loan without paying any foreclosure charges

Where & How can I use my Bajaj Finserv EMI Network card?

The Bajaj Finserv EMI Network EMI card helps you convert your purchases into easy EMIs at just a single swipe. The pre-approved loan in your wallet can be used to buy your favourite electronics, appliances, furniture, gym membership, clothes, flight booking and more.

·         Easy Online shopping

·         Offline shopping @ Partner stores

·         No-cost EMI conversions

 

1.       Easy online shopping

Do you want to know what you can buy with a Bajaj Finserv EMI Network card and how to buy with a Bajaj Finserv EMI Network card online? You can shop from a wide variety of the latest electronics, home appliances, and gadgets without having to use a credit card online. The Bajaj Finserv EMI Network Card is a unique network card that serves as a pre-approved loan, allowing you to turn your appliance and gadget purchase costs into easy, no-cost EMIs. The versatility of this EMI card allows you to make safe online transactions quickly and easily.

2.       Offline shopping @ Partner stores

You can shop in the various offline partner stores of the Bajaj EMI Store as part of the Bajaj Finserv EMI network card benefits. Furthermore, since you can access your EMI Card on your Bajaj Finserv Wallet app or manage it online via the Bajaj Customer Portal, you won't have to cart it around with you. The card authenticates your purchase by sending an OTP to your RMN, allowing you to shop safely.

3.       No-cost EMI conversions

If you take out a loan for a certain sum to finance a purchase, you will not be allowed to pay any extra interest on the principal. To put it another way, no EMI expense means that no EMI is paid on top of the product's cost. Continue reading to learn more about the value of no cost EMI. You can choose from a variety of home appliances, gadgets, and electronics at No Cost EMI, zero down payment, and 4-hour / same-day speedy delivery as part of the benefits of the EMI network card. The no-cost EMI choice on uses a pre-approved loan to buy high-value items and prevents you from paying too much for them. There are over 1,000 exclusive deals, as well as no foreclosure fees. It is also compatible with e-commerce sites like Amazon, MakeMyTrip, Flipkart, Yatra, Paytm Mall, Samsung, Pepperfry, and Goibibo, among others. It can be used at more than 84,200 partner stores in over 1300 cities.

You can easily apply for your Bajaj FinservEMI Network card from the comfort of your home with the Bajaj Finserv mobile app. The mobile app is compatible with both android and IOS mobile devices.

Top Benefits Of Online Bill Payments

 

Bill payments have become far easier and more convenient these days. All credit goes to the online bill payment apps that have made our lives easy. You no longer have to go out to the offices to pay bills like in the olden days. All convenience is just one click away. 

There are several advantages of opting for online bill payment apps. Below are some top benefits –

1) It has become the most convenient method of online bill payment. You can pay bills for utilities like water, electricity, LPG, etc at anytime, anywhere including holidays!

2) You can get reminders of upcoming bill payments so that you don’t miss out on the due dates.

3) Online Bill payment apps are safe and enable secure method of payments. They also have a redressal mechanism in place to deal with payment failures or erroneous transactions. Also, private information like your name, phone number, account number etc are completely safeguarded.

4) Bill payment apps simplify the management of your money. You have access to money transfer through different modes of payments in one place which is conducive to a more convenient experience of paying.

5) One of the major benefits of making online bill payments is that it helps you stay disciplined and organized. Timely reminders help you make payments on time. Some apps are also equipped with expense managers to help you stay up to date about your expenditures and guide you about regulating the spending.

6) Once you go digital, it benefits the environment too! Online payments leads to digital receipts and statements, which saves a big amount of paper! It’s a win for the planet too!

7) Needless to say, after all of these benefits, online bill payment apps save your time. Payments can be done within minutes digitally. Forget long lines of waiting outside offices.

 

Best way to track Personal Loan Status online

 

Smartphones have become a popular medium and most of us prefer to get things done on our phone. Day to day transactions or financial services are now available on your phone through instant loan apps. The process of getting an instant cash advance in times of emergencies has become easy in the past few years. With their growing online presence, instant loan apps have made it to the top of the list of preference when it comes to ease and convenience. The procedure for application & relationship management is very different and easy with online loan apps as compared to traditional banks.

There are some basic pre-requisites like having a CIBIL score of 700 and more, fulfillment of eligibility criteria which generally includes age, salary or citizenship etc. Once you pass this eligibility, you can get instant approval for your online personal loan. The online loan apps are helpful as they allow you to view and monitor all your loan-related information at anytime, anywhere even on holidays. Unlike banks, which are available for customers only in stipulated timings, apps are available 24 x 7. Hence, they are becoming more popular.

What is meant by instant loan apps?

There is a wide range of instant loan apps that have made the process of availing funds much simpler than the traditional banks. These mobile applications are developed in order to help individuals in the easy availability of financial assistance and tracking information related to it. In today’s world of speed, rarely anyone may have time to follow up with banks, wait for the verification etc.

Instant loan apps have made it very easy for individuals to apply for a loan by providing a single platform that caters to almost all the needs of their customers. These apps are available for android as well as iOS phones. Although some lenders may not have an app. In this case, you may have to access their service through their website on google.

What are the steps to use the instant loan app?

Using instant personal loan apps is very easy. You only need to follow the steps given below to use any instant loan app -

1) Downloading & Installing the application –

Before applying for a loan, you will have to download and install the instant loan app. PaySense, Early Salary, Bajaj Finserv Personal Loan app, Tata Capital, Navi, Money Tap are some of the popular loan apps.

2) Login and Application process –

Post installing the app, the next step will be registering onto the platform. Fill in your details the app asks you for while applying for the loan. You may need to fill in your KYC details, Salary, Account number, etc. Sometimes, the app may also ask you to click a selfie.

3) Approval – There apps like the Bajaj Finserv Personal Loan app, Dhani, PaySense, etc which process your application & give approval for your loan within a few minutes if you are completely eligible. Your loan amount gets credited to your account shortly after you receive the approval.

How can instant loan apps help?

1) Instant loan apps can help you apply for a loan, fixed deposit, credit card etc very easily.

2) You can view and track your current loans and investments, download financial statements in just a few clicks.

3) Loan apps also provide pre-approved offers like personal loan, credit card, health card etc which can be very easily availed.

4) You can have access information on your past loans and transactions, view your statements and more

5) You can check the status of a personal loan and keep a track of the loan application without having to actually go to the lender’s branch/office.

 Which are the top instant personal loan apps?

 

App Name	Max. Loan Offered	Minimum Salary Needed	App Rating
Early Salary	5 Lakh	20,000/-	4.4
Bajaj Finserv	25 Lakh	25,000/-	4.3
Money Tap	5 Lakh	20,000/-	4.2
Tata Capital	25 Lakh	15,000/-	3.8
Kissht	1 Lakh	12,000/-	4.4

 

 

 Read Also - Steps to Applying a Loan Online with Bajaj Finserv