Mostly I use these 3 apps. Adding the best advantages of those.
1. Amazon Pay - More cashbacks and useful rewards.
2. Paytm - Best success rate for technically weak portals - Like Electricity, Water bill payments.
3. Google Pay - Easiness in personal transactions.
I have Phone Pe but uses rarely.
I mostly use Freecharge and Amazon Pay for Bill Payments, booking LPG cylinder or doing recharge of DTH or Mobile. Never faced any issue, also they provide vouchers or cashback on every recharge.
PhonePe is a good app but do not like their cashback policy. If i do a DTH recharge then i need to additionally buy shopping voucher to get some cashback. On PhonePe i usually buy Gift Cards to get cashback but then again i cannot use the cashback for recharge or bill payment if recharge amount exceeds the money available in wallet so i usually use that amount for ordering food or other things in the inhouse switch apps.
Use PayTM very rarely as have not done KYC so do not get cashaback
Used Google Pay just once. Used Mobikwik in initial years but disliked their caahback policy where only certain % of money in wallet can b used for each subsequent transaction