MobiKwik is a payment app that caters to all your day-to-day payment needs. Manage all your financial needs at one place- from getting credit up to ₹30,000 to Spend Now & Pay Later to making payments to growing your wealth! The limit depends on your usage- the more you use, the more will be your credit limit.

Use the app in 2 ways-
1) Link any bank account via BHIM UPI to make all types of payments
2) Get credit with ZIP at 0 cost to spend now & pay later at 1L+ brands

With SuperCash, our loyalty points, you save up to ₹1000 every month.

With MobiKwik, a payments app, make instant recharges, bill payments, transactions at 1Mn+ brands like IRCTC, Zomato, Swiggy, Grofers, Xiaomi etc. We also keep your data secure. Just sign up using your number & get started!

Use cases of MobiKwik
- Do money transfer, mobile prepaid recharge, postpaid bill payment, utility bills, electricity bill payment, water bill payment, DTH recharge, credit card bill payment, online bill payments like food delivery, grocery, medicine, shopping & more.
- Credit line up to ₹30,000 will help to Spend Now & Pay Later!

Money Transfer
- Fastest money transfer to all banks.
- Transfer money from bank-to-bank account (UPI), wallet to wallet & card to bank.

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

Mobile Recharge
- Do Airtel recharge, VI recharge, Jio recharge, BSNL recharge & other online mobile recharge.

DTH Recharge
- Pay bills for Tata Sky recharge, Airtel DTH recharge, Videocon d2h recharge, Dish TV recharge, Sun Direct recharge. Payment can also be done via ZIP.

Bill Payment
- 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 via ZIP.

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 1mg, BigBasket, Myntra, Flipkart, MakeMyTrip, etc.
- Pay for subscriptions like Disney+Hotstar, AltBalaji, SonyLIV, Gaana, BookMyShow, etc. via ZIP.

Shop on EMI
- Get up to ₹60,000 for all online shopping & pay back in monthly instalments.

Instant Loan
- Get an instant personal loan online up to ₹5L.
- Interest rates from 12%-30% p.a. with a tenure of 6 months-36 months. The standard processing fees vary from 1-2%.

Ex- Loan Amount: ₹50,000
Interest rate (APR): 16% p.a.
Total interest paid: ₹4444 (EMI: ₹4537)
Processing Fees (2%): ₹1500

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.
- Earn 50% higher returns than interest from savings bank accounts by investing in Kwik Save.
- Prepare for financial future with SIP using paperless bank mandates or lumpsum investments.

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.

- Deposit money for crypto investment at sites like CoinDCX, WazirX, Zebpay, Unocoin, CoinSwitch Kuber, Krypto, BuyUcoin etc. with MobiKwik.

For more details, visit
For any assistance, please contact our helpline number: 011-61266390.

What’s New

Version 25.4

- Bug fixes and performance enhancements.

Ratings and Reviews

4.6 out of 5
52.7K Ratings

52.7K Ratings

AnkiBS ,


Though the offers are great, this app has been giving major trouble lately. My payments dnt go through easily, unable to use supercash most of the times and now.. i made a payment today to pharmeasy website which got deducted from my account but has not been received by them. I have been trying to connect with MobiKwik to check for the refund status but cant find an option on the app. Help centre is not customer friendly n this app needs to improve in terms of reaching out to its customers. At the moment, i just need to check about my money that i need refunded to my bank account and there is no way that i am able to connect with the MobiKwik team.

Developer Response ,

Dear User, that's definitely not the experience we ever wanted you to have and would like apologize for the same. Moreover, we are here for your help hence, request you to drop a mail from your registered email id along with your complete concern and transaction details at and we will get this checked for you also, you can also refer to the link for our contact points: Thanks, Carina, team MobiKwik

saranyalex ,

Really this the most useless app for transactions

This app is most worst then other app!!! I am facing a problem on my upi transition of 1800 i have done it on april 8th by using this app i have waited for nearly 5days to credit the money in my account but it almost nearly 15days but I haven't got my money back to my account or to the recivers account!! Even if I am trying to contact the customer care they don't even respond to the call I have waited upto 15min after they forwarded but they haven't connected my call to the customer call!! These people won't work our problems the won't consider our issues i have been calling the customer call everday but there is no response even i have sent my bank statement to them though the ticket they not even replying what the problem is I was try my level best to get my money back they are being really so irresponsible!! Please consider my issue.

Developer Response ,

Apologies for the unpleasant experience.We are here to assist you. Please write your concern at and we'll help you in resolving the same.
MobiKwik Team

sayeedur rahman ,

My money is defunct

I did a recharge on mobikwik pay and it was not complete and money from my account was deducted , but I tried to speak to mobikwik customer care, I did not get any response , after lot of tried i talk to customers care but his customer care was slow, he had to wait 30 mins for a reply, and when he gives a reply, you have to wait a lot after that you’re problem is not solved.i tried 12 days yet my my problem is not resolve and my money is not refund yet. I lost the hope and leave it and i’m going to delete this app .There is a very useless app not being solved a problem .i suggest you all to not install this app. Offer in this app is great but your money is deduct you will lost them. Ones and twice will happen when ever you tried to recharge and do what ever you wanna do. You money is stuck and you never got it. Not install this app.

Developer Response ,

Dear User, we want to extend our sincerest apologies concerning all the issues that you have faced. We pride ourselves in maintaining the highest quality standards for our customers. So, we hope you will give us an opportunity to assist you. Please share your complete concern from your registered email id at and we will look into it on priority. Thanks, Carina, team MobiKwik

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 Linked to You

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

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

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


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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