New but also totally correct opinion: having to lug your wallet around everywhere is SUPER annoying. And having to hold up the checkout line at your fave shop because you're searching through an endless sea of receipts and reward cards to find your cash and/or debit and/or credit card? Um, yeah. No fun.

Which is exactly why I can't wait to tell you all about this new app that I'm OBSESSED with! It basically means you'll never have to carry around a wallet to make a bill payment again and you're earning reward points for EVERY payment you make. Points which, BTW, can be redeemed for free gift cards which can be used to make in-store purchases!

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The Paytm Canada app lets you pay all your bills on your smartphone. With every transaction that you make in the app, you will earn Paytm Points which you can redeem for free coffee, free groceries, free UBER rides and so much more free stuff... It basically turns your bills into rewards!

Guys, this app is SO simple to use! Basically, you just link your credit card, debit card, bank account or add money to your Paytm Cash, search from thousands of providers to find the service that you're looking for, pay it... and BOOM, you have gained some FREE rewards points. And, helpful hint? These points can then be redeemed for brands like Uber, Tim Hortons, Esso, Just Eat, and MORE!

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It's really that easy - I'm serious, this is basically just free gifts to yourself. We all know you're going to want to Uber home on a rainy day or grab a coffee at Tims when you're late, so why not have it paid for via your points instead of cold cash? It's a no-brainer.

Oh, and PS? If you're the type of person who likes to be on top of their bill payments no matter what (and come on, you know you are), Paytm has a "Set It & Forget It" option! With this, you can pre-schedule all of your bill payments for specific dates and frequencies (weekly, monthly, annually, etc). You can also customize the amount you want to pay, and select your preferred payment method per bill - plus, you'll still get Paytm points using this method. So if you're out travelling for a few weeks, or even if you're not, you don't have to worry about remembering bill payments all the time!

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So here are the deets:

  • You get 1 point for every dollar spent to be redeemed at national brands, including Amazon, Uber, Tim Hortons, ESSO, Just Eat, Indigo, and many more.
  • You can also collect free gift cards when redeeming a minimum of 5,000 points.
  • Gift cards can also be purchased with a credit card and topped up with Paytm points.
  • Paytm points can be converted into Paytm Cash, which can instantly be used towards a bill payment or to send money nationwide.

Omg, and the best part? That referral bonus, baby! Users will usually get 5,000 points when a direct referral pays their first bill through the App - and the direct referral will get the same!

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If that's not enough to convince you, and even if you can't find a friend to sign-up? Well, there's even more good news! Starting on September 24th, for a limited time, Paytm will offer 10,000 Welcome Points to you when you sign up! Which means that when you download their free app and sign-up, you’ll collect 10,000 points that you can instantly redeem for a free reward. Basically, free stuff for JUST signing up. Go ahead, treat yo’self.

The Paytm Canada mobile app is available to download for free from the Google Play store and Apple Store. For more information about the Paytm app, please visit:

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To learn more about Paytm and to download their app and check out their website, Facebook, Twitter and Instagram.