I was referred to this application by a friend who had similar troubles of money getting stuck in the PayTm wallet. I was not sure about the wallet facilities, but as I started using it more and more I was pleasantly surprised. It has the same capabilities that of PayTm and more, it can also be linked with my bajaj finance card and the offers of the card can be seen on the wallet screen itself. Nowadays, the bajaj finance card is kind of a necessity as majority of household appliances are bought through it. I would continue using Mobikwik wallet and may not use PayTm so much anymore.