21 Best Money Saving Apps & Websites In India

The best tools and apps available online to spend wisely and save massively.

Tools & Apps

The tools and applications which can be used daily to save money when doing any activity online. Here, we try to cover the best tools so you can make use of them to keep spending and saving wisely.

Best Shopping Websites In India

  • Amazon

Ease of navigation on their site and the app, ratings from top reviewers, easy returns and great customer service are what makes Amazon a great site to shop.

Amazon also supports innovative products through their Amazon launchpad section. To add the benefits of Amazon Prime membership, When it comes shopping online, this should be your first preference.

  • Flipkart

Flipkart is another online shopping site where brands Like Samsung & Nokia launch new smartphones exclusive to their platform.

Last year, Flipkart launched an exclusive membership called Flipkart plus that gives users benefits such as free delivery, early access to sales, exchange coins for offers and quality customer support. Flipkart is also frequent with several offers exclusive to purchases made on the app.

  • Myntra

Online fashion store Myntra keeps adding a new inventory of products regularly and refresh their collection as per the current market trend. Myntra has great customer support and you will have no problem in returning items.

Recently, they added a home & living section where you can find items to decorate your home with things like carpets and curtains. You can even send Myntra gift cards on festivals and special occasions. If you want to shop for fashion online, Myntra should be your first choice.

3 Payment Wallets

Payments can be used daily to pay our bills and also send or receive funds from others.

  • Amazon pay

Amazon pay is a digital payment wallet where you can add any amount from Rs.10- Rs.10,000 in one go. The monthly spend limit on Amazon pay is 10,000 INR. You can use Amazon pay at several platforms like mobile recharge, food delivery apps etc.

You can also send amazon pay gift cards to users who use Amazon for online shopping. The benefits of Amazon pay are extended to users who buy anything from Amazon’s site, they get 2% rewards on every order. You can also set auto reload function on your credit card.

  • Freecharge

Freecharge is a payment wallet popular for recharging mobile bills and paying regular bills like electricity, water and metro. You can also add money to your Google Play store using freecharge.

Freecharge can be used to send funds and also set up an account to accept funds for your shop or business. You can transfer up to Rs. 5000 at a time from your freecharge wallet to a bank account and the daily set limit is up to INR 25000.

  • Paytm

Paytm is very easy to use payment wallet. Due to its widest adoption, It is accepted everywhere from small shops to huge malls.

You need to do your KYC to add and withdraw money into your wallet directly from your bank account. All the money related information can be seen inside a tab called Passbook inside the app. You can receive up to 20,000 in a normal Paytm account and up to 1 Lakh for Paytm Prime account.

3 Money Transfer (UPI) Apps

UPI is Union Payment Interface. It means every person has a unique ID which is attached to his/her bank account. Different mediums and apps can use it to create an interface to receive and send payments.

  • Google Pay

Google Pay is an online payment system used to send and receive funds of up to 1 lakh in a day. Users can do up to 10 transactions in a day and the minimum transaction you can do is of 1 rupee.

The best part about Google pay are the rewards. You receive scratch cards on receiving payments which can win you as much as 1000 INR. The app has a very clean user interface and easy setup.

  • Phonepe

Phonepe is an online payment system based on UPI. You can send or request money from anyone in your phonepe contacts anytime-anywhere. The app can be also used to pay electricity bills and do metro and mobile recharges. Users can pay using Phonepe on websites like Flipkart, Amazon and swiggy.

Phonepe allows you to save beneficiaries and also manage multiple accounts. Refunds and cashbacks are added instantly to your bank account. The maximum transaction you can do in a month is of 1 lakh and you can withdraw up to 5000 from phonepe to your bank account.

  • BHIM

Bharat Interface For Money or BHIM is Indian Government’s very own cashless payment system which can be used to send or receive money. It is a very secure platform and can be used to pay for regular bills.

You can also receive rewards when you pay your bills using BHIM app. The maximum limit on a single transaction is 20,000 INR while you can only transfer 40,000 in a day.

Best App to Pay Credit Card Bill

  • CRED

CRED is an android app to pay your credit card bills and get CRED coins in return. CRED Coins can be used to buy products like Bookmyshow vouchers and Bombay Shave. CRED app has a feature to track your expenses and you can opt to get notified about pending bills.

CRED has a feature called “Kill The Bill” which is similar to scratch cards. The app has a very clean user interface and you can also know your CIBIL score during the onboarding process. It’s safe and secure to make payments.

Best Apps to Track Expenses

  • MoneyView

Moneyview is a smart expense tracker, it can automatically track your spends by reading SMS. The app fetches information related to your bank balance from the bank SMS. You can easily set a budget and follow your pattern to save maximum through a set time.

Moneyview has a feature where you can set reminders for bill payments. Make sure to give the necessary permissions to the app before downloading. You can also upgrade to savings+ that gives you added features.

  • Walnut

Walnut is an automatic expense tracker which shows you expenses by reading your SMS. The app helps you save more and pay bills timely. Users gets a clear picture of how much they are spending and saving. You can also split expenses among friends who use the same app.

Walnut app has features where you can add your own categories to track expenses. You can even find a nearby ATM using the app. The data generated by walnut can be used to generate an expense report.

Best Apps to Order Food

We all love the ease of sitting at home and ordering food online. You have multiple options and also many offers that can help you save on your meal.

  • Swiggy

Swiggy lets you order food from partner restaurants visible on app and website. The app is very easy to use and you have clear visibility of all the operating restaurants that deliver to your area. You can apply filters like view as per budget, rating and delivery time.

Swiggy is known for its customer service. If you are not satisfied with the food, you can ask for a refund. When you order anything, you get to see the live order tracking and even get the phone number of the delivery guy. Swiggy also keeps coming up with exciting offers with partner banks and select restaurants. They have recently launched two services called swiggy pop and swiggy super.

  • Zomato

The best part about zomato is that you can see what people have ordered previously in pictures posted as reviews. It is very helpful to make a decision. Zomato also offers real-time tracking of your food for some restaurants.

Ordering food from the app and web is very simple. Upon successfully ordering, you are given a time estimate. In certain cases, if the delivery reaches you late, you can even claim your food for free and get the refund. Zomato is also very regular with offers and coupon codes to get free desserts.

  • Fasoos

Fasoos is a Food-On-Demand service from where you can order food online. They operate in 16 Indian cities and they have their own kitchens where food is made. You can order from both the web and the app. You will also see a few partner restaurants listed on their site. They have an extensive menu based on Indian and Global cuisine.

Recently, they introduced a membership service called Fasoos elite that lets the members enjoy occasional free desserts, priority delivery on orders and many more benefits.

Best Apps to Book Travel Tickets

Apps are an easy way to explore and plan your travel. You can make use of some app-based offers to save money online.

  • MakeMyTrip

You can use the MakeMyTrip app to book hotels and flights. You can see multiple options in flights and hotels at one place. You can also explore their tailor-made tour packages which are elaborate and can help you set a travel itinerary.

The app shows you hotels as per budget, star rating and user reviews. You can opt for their programs like black membership and double-black membership which gives you added benefits like zero cancellation fees and priority customer service.

  • Yatra

Yatra is another platform that can help you make your travel plans. Yatra has lots of offers that are applicable only on purchase made on the app. You can sort all the modes of travels like bus train and flights and find the best possible rates on them.

You can also find a lot of travel packages on the app. Users also get the facility to customize their travel plans. Yatra often runs offers and discounts with partner banks which can be seen at the time of checkout. The app allows you to do web check-in and even check PNR status online.

  • Paytm

Paytm is a great application to book flights, trains and Buses. You can find the best offers on major modes of transports and also on trains which is rare. The offers range from cashbacks and discounts at the time of checkout.

Usually, there are separate portals for all the modes of transports but Paytm does that all at a single place. You can compare the fares and plan your travel accordingly.

Daily Discount Apps

Apps which are a must-have in your smartphone. You will find regular deals and discounts on them.

  • Little 

The little app shows you offers and deals on everything around you. You can expect to see money saving deals on restaurants, shopping stores, spas, adventure parks across major cities in India.

You can buy any deal using paytm or any other medium and simply show the app while placing the order. Since they have limited deals on some services, you should always book some services in advance if your plan is to go on weekends.

  • Dineout

Dineout is a table reservation platform which allows you to reserve restaurants for free. If you dine out often, you should also buy their exclusive membership called Gourmet passport that entitles you 1+1 on food, buffet, drinks etc at major hotels chains and 5 stars.

You can also use dineout pay option to pay after your food which gives you discounts on payments. If you upload the food bill, you can earn even more cashbacks from this app. This is a must-have app for people who go out very often to dine outside.

  • Nearbuy

Nearbuy helps you find cashback offers, deals & discounts on almost everything. They are in exclusive partnership with some big brands like KFC, BBC, CCD, Burger King & McDonalds. You can expect discounts and cashbacks on almost all transactions made on movie halls like PVR and INOX.

You can use nearby to save money on restaurants, spa, salon, amusement park, movie hall and shopping mall. You can buy deals online on their website or app. The whole experience is hassle free and a must have app to save money.