MobiKwik- UPI, Bills, PayLater 4+

Credit Card Bills, Loan & more

One Mobikwik Systems Private Limited

    • Free



Experience a world of financial convenience with MobiKwik, the ultimate payments app that empowers you to effortlessly manage all your financial needs.

Enjoy instant credit to spend now & pay later, manage expenses and supercharge your wealth with daily returns of up to 12%* p.a. with Xtra!

Your credit limit is powered by your expenditure - higher the spends, higher the limit.

Experience three times the excitement!
1) Enjoy the best UPI experience with ikwik UPI. Link any bank account via BHIM UPI and make all your transactions simple & fast.
2) Get instant credit upto ₹60,000 with ZIP at 0 cost to spend now & pay later at 1L+ brands.
3) Boost your wealth with daily interest credit & up to 12% per annum returns with Xtra.

We keep your data safe. Sign up with your number & get started!

Win exciting cashback and rewards from recharges, bill payments, food delivery, grocery, medicine, shopping & more.

Money Transfer
- Instant and seamless money transfer to all banks.
- Transfer money between bank accounts (UPI), wallet & pay directly with a card.

Credit Card Bill Payments
- Experience unbelievable instant bill settlement to your credit card account
- Earn real rewards every time you pay

- Send & receive money via any phone number or bank account directly or make UPI payments with BHIM UPI.

Mobile & DTH Recharge
- Now do all mobile recharges, all DTH recharges from one app. Pay instantly or at later convenience via ZIP.

Utility Bills
- Pay bills for 300+ billers like MSEB Mumbai, TNEB, WBSEDCL, UPPCL- Urban, Torrent Power Ltd, PSPCL, KSEBL, AVVNL, Bangalore Electricity Supply, etc.
- Pay phone bills, electricity, gas, water, municipality, traffic challan, broadband, gas booking, cable, phone payments, credit card bill payment, rent payment, etc.

Offline QR Payment
- Scan any QR code at supermarkets, restaurants, pharmacies, milk booths, kirana stores, petrol pumps, etc.
- Make BHIM UPI payments or wallet payments at brands like Reliance Fresh, Croma, CCD, JIO stores, Apollo Pharmacy, etc.

Online Payment
- Make quick online payments at shopping, food delivery, travel & gaming brands including Zomato, Swiggy, 1mg, BigBasket, Myntra, Flipkart, MakeMyTrip, AJIO, etc.
- Pay for subscriptions like Disney+Hotstar, AltBalaji, SonyLIV, Gaana, BookMyShow, etc. via ZIP.

Shop on EMI
- Get up to ₹2,00,000 for all online shopping & pay back in monthly installments.
- Interest rates from 9%-35.99% p.a. with a tenure of 3-24 months.
Standard processing fee may vary from 2-4%.

Loan Amount: ₹50,000
Interest rate (APR): 16% p.a.
Tenure: 12 months
EMI: ₹4,537
Total interest paid: ₹4,444
Processing Fees (2%): ₹1,000
Disbursed Amount: ₹49,000 (Principal Amount - P.F.)
Total Cost of Loan: ₹55,444

Xtra by MobiKwik is a P2P investment platform in partnership with RBI-approved NBFC Transactree Technologies Pvt Ltd.
- Earn daily interest with upto 12% p.a.* returns
- Start investing with as little as ₹1000
- Withdraw anytime, processed instantly
- No account opening or withdrawal fees

Mutual Fund
- Invest in the right mutual funds, see your money grow, do real time tracking & management.
- Invest in Direct Mutual Funds at ₹100 with 0% commission.
- Save up to ₹46,500 by investing in Tax saving ELSS funds via SBI Mutual Fund, Axis Mutual Fund, HDFC Mutual Fund, ICICI Prudential Mutual Fund etc.

Digital Gold
- Buy, sell, exchange & deliver 24K pure digital gold at real-time prices.
- Build gold savings by automating gold purchase through Gold SIP.
- Track gold investment real-time 24X7.

For more details, visit
For any assistance, please contact our helpline number: +91-8069808686

What’s New

Version 32.2

Get timely reminders for rent payment and never miss your due date.

Ratings and Reviews

4.6 out of 5
89.4K Ratings

89.4K Ratings

Jose placid 123 ,

Regarding a complaint

I was happy to use Mobikwik. But two days before I tried to book a film in book my show by using Mobikwik Zip wallet, but the transaction was failed and money deducted from my Mobikwik zip wallet. I thought that Mobikwik will make it correct and will get back my money. So again i tried to book film once again in Book my show and again I couldn’t book the film and but the money again got deducted from my Mobikwik zip wallet. Totally I lost around 2400 rupees. I tried to sort out in Customer service and they are saying it will be fine in 24 hours and 2 days passed and there are no changes in it. And I got the used Mobikwik zip statement of November month to pay and they added this last failed transactions amount also to pay. Please do the needful. This app was good for me and now I feel they are started to be irresponsible. My due date is coming this Dec 5th. So kindly please sort my issue and give my correct bill statement

Dhruv.Suraj ,

Absolutely fraud company with malpractice

I have used this for one transaction with Ajio for almost 2000 Rs where 500 Rs cash back was mentioned as it was mu first vendor transaction. I waiter for reward for 2 or more days and then after not reciprocate it raised IT ticket and waited for few more days. After not receiving any response told them if they wont reply in timely manner wont pay dues as otherwise I will be paying 500 Rs more. So they didn’t responded to that intentionally so they can charge me penalties. Just after my due days got 50 Rs back and they said that was the only reward and also charged me close to 150 Rs as a penalty. So after a frustration I told them to remove penalty and I will pay all 1930 Rs back and wont use their product in future. But instead they started increasing penalties and now they are asking for close to 3000 Rs for close to 2000 Rs transaction value in just 3 month and they also made my credit score from close to 900 to close to 700. I have raised consumer complaints and also raising this issue here so they won’t do this kind of things with others. Please don’t get trapped with their malpractice and don't use their app even though however lucrative their deals look like as they have hidden malpractice agenda to blackmail their user by affecting their CIBIL score.

So please don’t get trapped and say no to MobiKwik.

Faiz_Dia ,


Please read the whole article. I made a transaction to wazirX via Mobikwik of around 50,000 and the next day the transaction hot cancelled and my money got stuck in between. I thought it might be due to bank issues so i went to the bank and they told me that the transaction has canceled and the refund has been initiated by wazirX but Mobikwik haven’t sent me anything. I have all the proofs and everything. I tried to contact them via customer care services but no solution was given i tried several ways of reaching to them but they gave excuses for all and didn’t even get back to me any time. Lastly i tried twitter and texted them over there even tagged Mr. Bipin Singh the ceo of Mobikwik but absolutely no measures were taken they just gave false hopes and false promises that my issue was under process i waited for 5 days on twitter and overall 2.5 months but absolutely no measures were taken. Now i have thoroughly understood the true intentions of Mobikwik and how they rob people in a way you won’t even see it coming. They are PROFESSIONAL ROBBERS dressed in white collars you won’t even know how you’ll get cheated. I have lost my money and wish nothing of such sort happen to innocent people thus i am writing this review so the whole world can know how this app is and how they’ll rob you off your money.

App Privacy

The developer, One Mobikwik Systems Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

You Might Also Like