Phone pe is the most used application among the users after paytm .as phonepe application provides us each and every facility such as recharges, bill payments, gold purchase, ticket bookings .etc.
I am using this app from last 1 year and I loved this application it is much more useful from paytm and any other applications which is giving us best cashback offers .and many other benefits .
so I will suggest you first use the application then take any decision.
Thankyou.