FreeCharge is running Exclusive Diwali 2014 Special Offer, Install FreeCharge App and Recharge Rs. Apps like PayTM, MobiKwik and Freecharge are seeing a surge in downloads thanks to their ability to let customers pay for anything from their DTH bills to taxi tabs and online shopping bills. These apps have also made online transactions safer as there is a only limited exposure of your bank details or credit card numbers. The feature that makes Paytm stand out is that users can actually bargain for over three million products on the site with other users through the chat feature.
Paytm currently is offering a cashback of up to Rs 10,000 on best-selling smartphones, home & kitchen appliances and 50 per cent discount on cameras and camera accessories. But it has its limitations too as the money stored in the Paytm wallet can only be used for recharge and transactions through Paytm. Unlike Paytm, you can transfer money to bank accounts of your friends and family with MobiKwik. MobiKwik offers the most elaborate range of services, which include things like getting mobile, DTH, Data card recharge and paying gas and insurance bills etc. The only service provider option available for paying your water bill is Bangalore Water Supply (BWSS). MobiKwik, just like Paytm, has tie-ups with various brands such as Big Bazaar, Big Basket, Myntra, Zivame etc and offers cashbacks and discounts.
Also, in most of the brands that I tried to shop from, I was greeted with a message, ‘We are not running any offers with this merchant as of now’. With a good internet connection, one doesn’t need more than 10 seconds to recharge with FreeCharge.

Additionally, it sometimes provides users with coupons valid at places such as McDonalds, CCD, Barista, PVR etc and also cashbacks. If you’ve already tried Paytm and other services, it is highly unlikely that PayUmoney will impress you. PayUmoney is very similar to MobiKwik and allows you to pay for gas, electricity bills apart from mobile and DTH recharge. LafaLafa gives you pretty good discounts on online shopping which is evident from the fact that a particular smartphone brand (same model) is available for about Rs 400 less on the site. LafaLafa may not recharge your phone or pay your bills, but it the best way to keep a track of top deals offered by apps that do. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. From paying bills to recharging your pre-paid mobile number, Indians are now looking to apps in their phones to  fulfil the transaction. It helps that there are big and generous cashbacks and discounts when you use these services to pay for your purchases.
It is likely that the next time you log in your Paytm account, you will find a brand new set of deals.
For example, if I buy an electronic product and get a cashback of Rs 2,000 then I won’t be able to spend it on something that isn’t available on Paytm.
The app, however, gives you limited service provider options under electricity, gas, insurance and water category. Similarly, one can only pay for ICICI Prudential, Tata AIA and Birla Sun life insurances under the insurance category.

So, this gives MobiKwik an edge over Paytm as the latter allows money transfer only to other Paytm wallets. The company claims its users can recharge or pay their bills in less than 10 seconds and they may actually be right. It does not provide any other utility bill paying services like MobiKwik and Paytm, but does a good job in getting phone and DTH recharges done. But, if you’ve already tried Paytm and other services, it is highly unlikely that PayUmoney will impress you. It selects few top deals provided by services like Paytm and FreeCharge and lists them on its home page. The service also offers DTH recharge, taxi payments and mobile shopping for electronics, fashion products, home furnishing and baby products. Cashbacks get transferred back to your Paytm wallet automatically once the item is delivered. This is, however, good for people who use Paytm frequently for booking movie tickets, ordering food or paying for Uber rides.
But if you compare the variety and number of products Paytm offers with that of MobiKwik, you are in for disappointment.
Then, there’s minimum order value to fulfill or discounts are limited to a purchase of ‘up to’ some amount, something that I came across when I browsed through its Diwali sale.

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