Freecharge - Pay Later, UPI

13.4L 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 transformed to 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+ online/offline 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 cash back on your transactions.
Avail Personal Loan, Credit card, and Pay Later
Invest in Top-rated Mutual Funds📈, and Digital Gold to achieve them
Pay electricity bills online, do recharges, make insurance payments, buy amazing deals from top brands, and many more

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.

Get Personal loans
Get a Loan amount starting from 5K to 5 lac
Repay loan within 6-60 months
Annual percentage rate (APR) (per annum monthly reducing): 8-24%
Loan Processing fee: 0- 2%
Please Note: Personal Loans are only available to Indian citizens within the territory of India

Lending partners (NBFC): Axis Bank

Loan amount: 100000, Interest 12%, Processing fee 2%, Tenure 12 months
Loan processing fee: Rs.2000
Stamp duty charges: applicable as per law
GST will be applicable as per law
EMI per month: Rs.8885
Total interest: Rs.6619
Disbursal amount: Rs.97640
Amount Payable: Rs.106619

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

• Transfer money to your friends/family easily or scan any QR to pay at a local store.
• 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 Play recharge, Airtel DTH recharge, Videocon D2H recharge, Dish TV recharge, and Sun direct recharge📺.
•Avail amazing cashback offers on electricity bill payment, water bill payment, gas bill payment, postpaid bill payment, and broadband bill payment.
• 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 score.

Goal Management App
• 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 AMCs 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🤘.

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

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, App activity and 2 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
Data can’t be deleted
13.4L reviews
MohammadFaizan Shaikh
25 January 2023
One of the worst app. This app makes you fool. I deposit money in freecharge wallet. After successful transaction it shows me that you got a reward. When I click on rewards it says you have no rewards. It happened multiple times. This app just a scam. They don't give any rewards or cashback. Worst experience.
25 people found this review helpful
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25 January 2023
Hi, 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.
22 January 2023
Two suggestions Please allow us to record notes even for verified merchants like amazon, swiggy. Sometimes we go back to check out transactions history and then we cant recollect what was the item we purchased. 2. While asking for kepad password, suggest to randomise the ordering of numbers (would enhance security by avoiding the passerby noting down the keystrokes for guessing pin)
117 people found this review helpful
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Praveenkumar Selvaraj
24 January 2023
One of the best UPI app.. UI is really great and colour is not good that much. but they have chosen as per brand colour. every month am getting nearly 30 to 50rs cashback on different transaction this bit amount really helpful. I never faced any transaction failures till now..
4 people found this review helpful
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What's new

Thanks for using Freecharge.
In addition, the update includes bug fixes, performance improvements and UI modifications.