PhonePe is basically an emerging application which has the same concept as that of paytm that is providing customer with the PhonePe wallet. I did not find anything new in PhonePe. The only thing is they are giving cashbacks just for the of promotions. There is nothing new in the app. No new feature is being offered justlike mobikwik and freecharge phonePe has been piled up as an app which is offering e-wallets for digitization. The concept is old however they are providing good offer. Use it and enjoy the offers.