This application is best for savings or offers etc. Paytm is a great app I used since 3-4 years I received many cashbacks or many offers. this app is also good for savings you can add money in your wallet and you can use after 1 month 2 mnth as your wish your money will be in safe place. now this app is multi app I am using this app for paying bills for recharge for recharge my phone and shopping etc and paytm gives many offers.