Now I recently start using mobikwik instead of paytm.
Reason behind to avoid paytm:
After Denomitization Paytm service is getting slow day by day.
Transfering money to Any Bank A/c is free on paytm.But Sometimes when you need most Paytm will definately irriatate you.
Not every time But Now Mobikwik is also providing good service.
1.70Rs wallet balence for new user( Promocode: INDIA) .
2.Chargable But good service.
3.Cash pickup service only provided by mobikwik.That is very good concept.
4.Online offers
So I think We have also an useful app.