Phonepe is a lot better choice when it comes to mobile transactions. Recharges, bill payment and all can be done through phonepe with outstanding cashback offers. This cashback can also be transferred to your bank account and used further but only if you have enabled KYC.Thus, you can use this product and it is also very fast. It can also be used for train ticket booking, flight booking and reservation, etc. Thus it has lot to offer to the Indian public.I recommed you use this app atleast for mobile recharges as once I got 70₹ cashback on a Jio recharge of 399₹ which effectively reduced my price to only 329₹.