Paytm Launches New App With AI Features, Digital Gold Rewards and NRI Features
Paytm’s new app uses AI to personalize payments, offers digital gold rewards, and adds NRI UPI support in 12 countries.
Key Points
- Paytm launches a redesigned app with AI-powered personalization and over 15 new features.
- Users earn digital gold on payments through the new “Gold Coins” rewards system.
- NRIs in 12 countries can now link bank accounts for UPI payments in Indian rupees.
- The app introduces privacy tools, smart spending insights, and balance summaries.
- Paytm aims to strengthen its position in India’s competitive digital payments market.
Paytm Unveils Smarter, Rewarding App Experience
TheInterviewTimes.com | November 10, 2025 — India’s leading fintech company Paytm (One 97 Communications Ltd) has launched a redesigned version of its flagship mobile app, featuring artificial intelligence (AI) tools and a digital gold rewards program. The update is part of Paytm’s effort to create a faster, smarter, and more personalized payment experience for its users in India and abroad.
The new interface, announced in November 2025, introduces over 15 enhancements designed to simplify transactions, boost user engagement, and deliver real-time financial insights.
Smarter Payments With AI
The upgraded Paytm app leverages AI to analyze user spending habits and automatically categorize payments under sections such as shopping, travel, utilities, and bills. It then generates smart spending insights that help users manage budgets better.
Vijay Shekhar Sharma, Founder and CEO of Paytm, described the update as “bringing intelligence to payments,” emphasizing that the redesigned app understands user patterns and helps organize finances efficiently.
This shift marks a move toward AI-driven financial management, transforming how users interact with their payment histories and budgets.
Digital Gold Rewards for Every Transaction
A standout feature in the new Paytm app is the “Gold Coins” rewards system — an innovative blend of payments and savings. Customers earn one gold coin for every ₹100 spent on Paytm, redeemable at 100 coins for ₹1 worth of 24-karat digital gold.
Payments made through RuPay credit cards on UPI earn double rewards. By introducing this model, Paytm enables users to turn routine payments into small but valuable digital gold investments, blending convenience with tangible financial returns.
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Enhanced Tools and Privacy Controls
The redesigned Paytm experience includes a host of practical tools and user-friendly updates:
- Smart Balance Overview: Displays total balances across all UPI-linked accounts with AI categorization.
- Hide Payments: Allows users to conceal specific transactions for added privacy.
- Magic Paste: Auto-fills bank or IFSC details copied from messages or WhatsApp chats.
- Downloadable Statements: Provides detailed UPI reports in Excel or PDF formats.
- Quick Receive Widget: Enables professionals to collect payments directly from their home screens.
These upgrades aim to make digital payments smoother, safer, and more efficient, supporting Paytm’s goal of being India’s most consumer-centric fintech platform.
Expanding Access for NRIs
Another major milestone in the new update is its expanded global support. The app now enables Non-Resident Indians (NRIs) across 12 countries to link their international mobile numbers with Indian NRE or NRO accounts and make seamless UPI payments in Indian rupees.
This feature reinforces Paytm’s global vision and positions it as a major digital bridge between India and its diaspora.
Competing in India’s Fintech Race
With a 7% market share in India’s UPI ecosystem, Paytm continues to compete against rivals like PhonePe and Google Pay. The integration of AI-powered tools and gold-based rewards helps differentiate Paytm from its competitors by offering not just a payment solution but also a financial management platform.
By rewarding transactions and providing smarter insights, Paytm strengthens its ecosystem and user loyalty in a crowded digital finance market.
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Conclusion: Redefining Digital Payments
The latest app represents a major leap forward in India’s digital payments journey. By combining artificial intelligence with real rewards, it transforms transactions into experiences that are smarter, safer, and more rewarding.
With AI-driven insights, NRI accessibility, and the unique digital gold rewards program, Paytm is setting a new standard for the future of digital payments — where technology meets trust and every payment carries lasting value.