Best UPI app?

Vanakkam, Nanbargale. Which do you guys think is the best upi app? All the current upi apps are flooded with sponsored rewards, too many ads, etc. A simple payment app but it's full of unnecessary things imo. 1. Google Pay (I hate Google cuz no privacy and data collection) 2. Paytm - too cluttered and (Chinese owned shares) 3. Phonepe - cluttered and ads 4. BHIM upi (slow and lost money with upi lite and they never gave me refund for failed transaction after multiple customer care calls and emails) Any better options available? Enlighten me. Nandri.