Mi Pay - Payment App by Xiaomi

Mi Pay is a secure, fast & reliable payments app by Xiaomi. The app allows the users to make payments, take instant loans at low interest rates & allows users to buy Health Insurance (powered by ICICI Lombard). Just link your bank account, create UPI ID & get ready to go on your financial journey.

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Manage & pay all your utility bills, including landline, electricity, gas & water bills across India. You can also recharge your prepaid & DTH connections online.

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Get a personal loan up to ₹25 Lakhs credit at low interest rates instantly with ease in just 5 minutes. Also, check credit report online for free & save up to ₹1200.

Some Details: Loan amount: From ₹5,000 to ₹25,00,000;

Interest rates: From 10% to 36% per annum;

Tenure: 91 days to 24 months

Loan amount: ₹20,000

Tenure: 6 months

Interest rate: 16.2% per annum

Processing fee: ₹400 (2%)

GST on processing fee: ₹72

Total interest: ₹956

EMI: ₹3493

APR: 36%

Loan amount: ₹20,000, Disbursed amount: ₹19,528. Total loan repayment amount is ₹20,956.

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You can buy Health Insurance plan (powered by ICICI Lombard) for you & your family starting at just ₹500 per month.

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Send & Request Money directly from your bank account using UPI ID or Account & IFSC or from your contacts without paying any transaction charges & no wallet top-ups

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Link account, check account balance of all your bank accounts like ICICI, HDFC, SBI Bank & over 140+ banks, which are enabled on UPI. visit https://www.npci.org.in/bhim-live-members

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Scan at any online store, E-commerce website, local Kirana or any offline store where you see UPI QR code

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Easily book your train tickets with ConfirmTkt with the support of IRCTC. You also get an option to book tatkal tickets & can get refunds on cancellation.

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For Air India, Indigo, Vistara & all the other airlines with Huge discounts & offers with the support of EaseMyTrip

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Best offers & deals on your favorite food; food ordering is made convenient for you with the best food ordering platform Freshmenu

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Get your life cover of ₹2 Lakh with Kotak Life Insurance for you & your family only at less than ₹1 per day

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SafeGold provides you a convenient platform to transact in certified, 24K vault stored gold. Buy & Sell Anytime

Mi Pay is available on both the platforms Google Play store & GetApps. MIUI users can download Mi Pay from GetApps & Non-MIUI users can download from Google Play store.

Features of both apps are similar; since Mi Pay on Xiaomi Phones is part of MIUI system app & is deeply integrated with MIUI apps.

On MIUI users, it can be accessed from:

→Contacts >> Send & Request money by selecting any Mi Pay Enabled Contact

→SMS >> Select any Mi Pay Enabled Contact & Select Transfer money

→Scanner app >> Scan any UPI QR >> Proceed to pay with Mi Pay

→App Vault >> Recharge, Send Money & Check Balance

Following are App permissions & reasons:

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Required to auto-read your OTP’s & register for UPI

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To identify the contacts you want to send money & recharge

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To scan UPI QR codes

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To detect the sim you wish to create your UPI ID

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To find nearest store to order food & also required by NPCI for UPI transactions

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To pick UPI QR code from gallery