Freecharge - Pay Later, UPI

1.22M reviews
Content rating
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About this app

Being a well-known name in the world of payment apps, having over 100 million users across the country, Freecharge has become one of the leading financial services and investment apps in India. From recharge & bill payments to investment & lending, Freecharge lets you do it all effortlessly.

Key App Features

Sign up for Freecharge Pay Later and avail exclusive offers on top brands. Shop cashless at 40,000+ stores.
Create your ‘@freecharge’ BHIM UPI ID and send money to friends /family or scan any QR to pay quickly & securely at any store. Earn cashback on your transactions.
Avail Personal Loan, Credit card, and Pay Later
Get tips to improve your financial fitness with FIST (Financial Strength) score.
Set your short/long term financial goals with our ‘Goal Management System’ and invest in Mutual Funds📈, and Digital Gold to achieve them
Pay electricity bills online, do recharges, make insurance payment, buy amazing deals from top brands, and send Gift Cards to your loved ones.

Use Freecharge as:

Buy Now Pay Later App

Extend your monthly budget with Freecharge Pay Later. Get interest-free credit instantly for up to 30 days and shop online/offline at 40,000+ stores🎁 with just one tap.

Easy Credit App
• Get an Axis Bank personal loan of up to Rs.25 lakh💸 in as quick as 15 minutes at best in class rates
• Apply for Axis Bank Freecharge Plus Credit Card and enjoy unlimited cashback🤑 on your spends

• Transfer money to your friends/family easily or scan any QR to pay at a local store.
• Enter the mobile number and find linked UPI IDs instantly.
• Send/receive money easily in/from your bank account. 💰

Recharge & Payments App
• Find best-prepaid recharge plans & mobile recharge offers on JIO Recharge, Airtel Recharge, Vi Recharge, and BSNL Recharge.
• Use the Freecharge app for FASTag recharge🚘 and travel worry-free.
• Avail exciting offers/rewards on Tata Sky, Airtel DTH, Videocon D2h, Dish TV, and Sun direct recharges📺.
•Avail amazing cashback🤑 offers on electricity, water, gas, postpaid, and broadband bill payments.
• Book LPG cylinder🏮 in minutes and enjoy exclusive offers/discounts.
• Save your salary💸 and pay rent with a credit card or Buy Now Pay Later on Freecharge to earn reward points.

Financial Fitness App
• Get complete clarity of your financial status and tips to improve your financial health with ​FIST (Financial Strength) score.

Goal Management App
• Your goals are as unique as you.😎 Set your financial goals using our ‘Goal Management System’ and we’ll help you with how you can achieve them.✌

Investments and Mutual funds App
• Choose top-rated mutual funds📊 (ratings by Value Research) from top fund houses like HDFC, Axis, ICICI, and more. Start investing in just 2 minutes from as low as Rs.100. 100% paperless process.
• Buy/sell Digital Gold online🌟 at real-time market value. It’s 24K, 99.9% pure.
• Start your FD investment💴 in just 3 minutes from as low as Rs.5,000. No Axis Bank savings account requirement and no penalty on premature withdrawal of Fixed deposits of up to 25%.

What Makes Freecharge Unique?
•Claim offers/deals available in the app and save every time you spend😎.
•Get exclusive cashback codes via SMS🤗.
•All our financial services are secure and backed with the trust of Axis Bank, so you can transact and invest worry-free on the Freecharge app🤘.

App Permissions and Reasons:
Phone - Used for enhancing the security of your account and for UPI registration
SMS (optional) - Helps us speed up your transaction by auto-filling OTP and providing personalized financial services
Location (optional) - Helps find the closest stores & deals around you
Contacts (optional) - Used to identify the phone numbers you are recharging
Camera (optional) - Used for scanning QR codes.

For any suggestions or queries, contact our support team at or visit
Updated on
Jun 14, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
No information available
1.22M reviews
Bikash Viraj
July 1, 2022
They have a very bad payment gateway page which would cost more than 24 hours to credit or refund... previously also have suffered and got the refund after 7 days and tried once again hoping for the best but I was completely wrong. Don't gonna use rent on credit card services ever in this app. Very bad experience twice !!
1 person found this review helpful
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July 1, 2022
Hi Bikash, We regret the inconvenience caused. Kindly write to us at along with the order ID details and your direct contact number, so that we can look into the matter and resolve it for you. Thanks.
Shuvra Shekhar Roy
June 11, 2022
I had been using freecharge for a year. Recently, i had a bad experience with freecharge. The transaction history of my pay later account was inaccurate and confusing in the app. Though the billing was actually correct, it took freecharge 7 days to clarify and i incurred 60 rupees of late fees by the time i understood the issue and paid my dues. I stopped using the app as I don't want to go through similar confusions again and again as their transaction history/statement is always confusing
37 people found this review helpful
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June 12, 2022
Hi Shuvra, Sorry, and we'd like to understand the issue and help you with it. Kindly share your details at We will check and get back to you on this. Thank you.
Rubin V
April 19, 2022
With the new update, the interface has become more user friendly. But if amount fails, it shows pending for more than 24 hours unlike other apps which instantly shows if amount been credited to the receuvers account and notifies that as transaction failed, amount would be refunded. Freecharge takes more than 24 hours to refund and the status will show as pending, this becomes a problem if are paying at a shop and there is no way to confirm. If this is sorted out would be a great app though.
810 people found this review helpful
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What's new

Thanks for using Freecharge. This release includes:
• A new UPI Home - your one stop solution for all UPI Payments
• Bug fixes and performance improvements