Mobikwik is really great means for online purchasing, online recharge, money transffer, and booking buses, train and flights. I am really a big of mobikwik mobile app. I downloaded it considering it can used for my money transffer to other bank account but it did not work we can only transffer money if receiver is having mobikwik app, but that is fair enough. Other than that mobikwik facilitates in all the other monetory activities which we need in our daily life. It works in a standard manner how a bank works. From notifying status via both message and email to generating monthly statement.
It does not give credit but you can request your friend for help or you can reffer and earn by sending affiliate link to orhers.
Mobikwik ia an old and genuine app and website where custimers is first in importance order.