I am still using phone pay app from the past 6 month .Phone said that when you will pay first electricity bill from the phone pay wallet then yo will get 75 rs cashback but I have not got my 75 rs cashback on my first electricity bill pay from phone pay app.I have got 50 rs cashback on my first mobile recharge paid by phone pay wallet . The cashback given by pgone pay we cant transfer in our bank account we can use only on phone pay bill or rechage payment . The app interface is not very good not user friendly any time I faced some technichal problem on my tranjaction time .The phone wallet allow us to by 24 careat gold in the market daily prize . We can convert our cashback into money by buying the phone pay gold .Thanks for reading my review.My rating on this app is 2