Mobikwik is a wallet that benefits nobody but themselves only. They hv made this app to use ur own earned money and the interest made by ur money benefits them only. Sometimes they show different cash back offers which are quite attractive but when you use those cash back codes they might hopefully be able to make a successful transaction but the amount of cash back that they promise is never received.
The layout and design of this app is quite attractive. It seems like they work on their application to look good only.
Usefulness- there is truly no usefulness of this wallet app as I m quite sure that u won’t b able to find any shop or any website that preferably uses mobikwik wallet for the transactions.
I would really suggest to use other wallets instead of this one if u r fond of using online wallets. Otherwise using ur own online banking is the best.