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Flexipay – Pay back your big purchases in flexible installment. Encash – Fulfill your extra cash requirements (available to eligible cardholders only). Easy Money – get cash directly in your account. Balance Transfer/Balance Transfer on EMI. Book travel directly through E-STORE with one click. Manage/Redeem reward points or set goals. Upgrade existing Card (available to eligible cardholders only). Increase Credit Limit (available to eligible cardholders only). Subscribe for E-statement or Duplicate Statement. Access FAQ or self-help to sort queries immediately. Reward Points Summary, including available redemption offers. Transaction and Payment History by date. Account Summary - details of dues, payments made. Another thing is that you will have to enable lots of permissions for this app, such as location-tracking, accessing your mobile device’s contacts, and more. It can be a bit of a hassle, especially if you are pressed for time. For one, you may often get delayed confirmations because of the servers. However, users may have concerns regarding transaction processing. It’s important to note that this service is closely affiliated with Flipkart, a popular Indian online store.ĭue to the number of services available, you can be sure that the app safe to use. You can set up contactless payments with it and earn credits along the way. The app is also quite handy if you’re a frequent user of apps for food delivery, shopping, and travel expenses. If you have any credit bills and utility bills due, you can pay them off and even set automatic payments. The app lets you use BHIM UPI-BHIM being another Indian mobile payment-and this is great for checking your account balances, beneficiaries, and such as this app is affiliated with other banks.Īdditionally, you can recharge your mobile and internet connection credits using the app. You can do the usual money-sending and requests from your contacts, and you can transfer funds via mobile numbers and bank accounts, too. 
Since PhonePe is a UPI-based mobile payment app, you can expect transactions to be secure. The app is basically licensed by the government but doesn’t rely on it for everything and is more of an independent e-commerce platform. As it is based on the Unified Payments Interface (UPI), which is an instant real-time payment system developed and approved by the banks of India, you can do banking transactions without much hassle. This online payment service was founded in 2015 as a private financial service business.
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