Are you looking for a simple way to handle your credit card bills? Have you ever considered the fact that paying your credit card payment can be rewarding as well?
There are many apps, but the right one makes a difference. You’ll look for an app that’s not only easy to use, but also secure, filled with useful features- NOT? In this article, I’ll introduce you to the best credit card payment app to help you pay your credit card bills. With these applications, you will surely not miss paying your credit card on time and also enjoy earning rewards on the payment. Are you excited to know what are those?
List Of 10 Best Credit Card Bill Payment Apps in India
Below we have covered in detail the best online payment apps for paying credit card bills in India so you can see what each one offers:
- Cred
Cred is our overall best credit card bill payment app. With this app, you can pay all your credit card bills in one place, and you will also earn reward points on every rupee you spend towards the payment of your credit card bills. “CRED coins” are the reward points used in the CRED app, which you can exchange for a wide variety of products, services, and discounts. Upon redeeming your CRED coins on the app, you can receive offers within various categories and updates on these offers.
It is easy to check all your registered cards on CRED with one click, and you can also use features like ‘kill the bill’ in order to earn cash back on future payments. Once the credit card bill is generated, you get a reminder to pay the bill at the right time and avoid missing or delaying any payment further.
How to use the Cred app for credit card payment?
Here is a straightforward guide on how to pay credit card bills using the app CRED:
- Launch the app and find credit card payments.
- Select the credit card that you will be paying.
- Enter how much you owe.
- Tap ‘proceed’.
- Choose your payment method- UPI, debit card, or net banking
- Confirm the payment.
How cool is that? If this happens to be the first time using CRED, you enjoy instant cash back of ₹200 when paying your bill. So why wait? Log into CRED and pay your credit card bill today!
Pros and Cons of Cred Credit Card Bill Payment App
| Pros | Cons |
| Conveniently settle all your credit card payments in one go. | Requires a credit score of 750 or above to register on Cred. |
| Earn “CRED coins” for every rupee spent on bill payments, redeemable for various items. | Limited redemption options restricts choice of rewards. |
| Use CRED coins to redeem offers across categories on the CRED app. | |
| Monitor upcoming bills and view your payment history for all registered cards. | |
| Get rewards for timely bill repayment using the “Kill the bill” feature. | |
| Bill Payment is credit in few hours to your credit card bank.
|
- Paytm
Paytm happens to be India’s most popular and also one of the best credit card bill payment apps in the country. It pays for all sorts of bills. There is no permanent cashback structure, but at least a limited-time campaign offer is now available.
You can get a scratch card worth up to 1 lakh reward points on bill payments of INR 5,000 or more. A 1 lakh cashback point amounts to INR 1,000, and with every card transaction, you will get a minimum of 1,000 points.
Cashback rewards may be changed anytime, hence verify before paying the bill. Except for VISA and Mastercard, one can pay bills through debit cards using Paytm.
How to use Paytm for credit card payment?
- Open the Paytm application from your mobile and log in
- Home page scroll down to ‘Recharge & Bill Payments section and click on Credit Card Payment.’
- You will see a digital image of your saved credit card. Then click on ‘Pay Bill’.
- Enter the amount you want to pay and click ‘Proceed’.
- Select the bank account from which to pay. You can add a new card if you have it. Click on ‘Pay’, enter your passcode and confirm your payment.
- If you wish to pay another card click on ‘Pay another card’ that is found on the bottom part of the screen.
- Paytm will automatically detect the type of card that is visa or Mastercard along with the bank. Enter the amount you wish to pay for and click ‘Proceed’.
Once you’ve made your payment, depending on the issuer of your credit card, this will be added to your account shortly.
Pros and Cons of Using Paytm for Paying Credit Card Bills
| Pros | Cons |
| Regular reminders before due date to avoid late payments. | Poor customer support. |
| Add all your credit cards in one place and set reminders for each. | Payment takes up to 3 working days to reflect. |
| Option to delete cards and disable reminders anytime. | Requires a Paytm account for making payments. |
| Allows credit card bill payments for users with any CIBIL score, helping improve credit scores. | |
| Simple online KYC verification using Aadhaar card or passport for UPI payments. |
- Mobikwik
Mobikwik is also one of the best apps to pay credit card bills instantly among these.
Whenever you make credit card payment through the Mobikwik app, you will get Supercash. Then you can use this Supercash to make other payments in the app at a later time (up to 5 per cent on every transaction).
Mobikwik had a huge data breach in the year 2021. Also, some people have complained about late credit card payments, so take that in mind.
How to use MobiKwik app for credit card payment?
Here’s how to pay your credit card bill using the MobiKwik app:
- Download the MobiKwik app from the Play Store for Android or the App Store for iOS.
- Enter your mobile number and log in to the app with the help of an OTP.
- You can go to the “Recharge and Bill Pay” section or click directly on “Credit Card Payment.”
- Enter your credit card number.
- Enter the amount you wish to pay.
- Use any coupons you might have for saving some amount.
- Click on the ‘Proceed’ button and on the next screen, choose how you want to pay.
- Enter in your payment details and tap “Pay Now” in order to confirm the transaction.
Pros And Cons of Paying Credit card bill with MobiKwik
| Pros | Cons |
| Multiple payment options (debit card, UPI, MobiKwik balance). | Payment processing time varies, taking 3-4 days to reflect in the credit card account. |
| Earn SuperCash rewards with every credit card bill payment. | |
| Save money with 1% SuperCash back on bill payments. | |
| Use SuperCash for future purchases or bill payments. |
- PhonePe
Phonepe is the best cashback app in India that offers the best cashback, provides a section for paying credit card bills. The app gives scratch cards as credit card payment offers. Once you have paid the bill, the feature will be enabled. It is one of the best UPI apps if you compare it with other UPI apps. As stated already, a scratch card with mystery cashback or other incentives awaits you. PhonePe allows users to send and receive money, recharge mobile phones, DTH services, and data cards, pay bills, buy gold, and shop online and offline.
How to Pay Credit Card Bills Through PhonePe App
Here’s how to pay your credit card bill through the PhonePe application
- Open the PhonePe application and tap on the ‘Loan’ on the homepage
- Under the section named as ‘Payment dues, Select ‘Credit card bill payments’.
- Alternatively, you can go to the ‘Recharge & Pay Bills’ section and tap on ‘Credit Card Bill Payment’. Then link your credit card by entering your card number and the mobile number linked to the card. Enter the amount that you want to pay, and tap on ‘Pay Bill’ to complete the payment.
Note: PhonePe may charge a small fee – (including GST) for processing bill payments on its platform to ensure a smooth experience. This applies regardless of the payment method used.
Pros and Cons of using PhonePe for Credit Card Payment
| Pros | Cons |
| Regular reminders before due date to avoid late payments. | Poor customer support. |
| Add all your credit cards in one place and set reminders for each. | Payment takes up to 3 working days to reflect. |
| Option to delete cards and disable reminders anytime. | Requires a Paytm account for making payments. |
| Allows credit card bill payments for users with any CIBIL score, helping improve credit scores. | |
| Simple online KYC verification using Aadhaar card or passport for UPI payments. |
- Amazon Pay
Amazon Pay is yet another of the best card apps that utilizes the account information stored in your Amazon accounts to optimize checkout. It helps improve consumer trust and checkout experience by utilizing security and fraud protection known and trusted by hundreds of millions of Amazon consumers. It offers a simple integration procedure, built-in support, continuous optimization, and a simplified checkout process.
You can pay your credit card bills through Amazon, apart from shopping and paying for mobile and other utility services. You don’t get guaranteed cashback as you do with Cred. However, you do occasionally receive offers in the form of prizes.
In Amazon Pay, open the rewards section to check if there is any deal on paying your credit card bills. It will also be available under Credit Card Bills.
How to Pay Credit Card Bill Through Amazon Pay?
Here is a step-by-step guide for paying credit card bills via Amazon:
- Visit Amazon Pay: Simply go to the Amazon Pay page on Amazon’s website (link). You can access it from both the mobile and the desktop versions of the website.
- Select Payment Method: Click on the ‘Credit Card Bill’ option. Alternatively, you can find it by clicking on the ‘Bills’ on the home page and selecting the ‘Credit Card Bill’
- Choose Your Card: The page of ‘credit card bill payment’ shows all credit cards you have saved on Amazon to shop. Select your card to pay the bill.
- Enter Bill Amount: Key in the amount you want to pay.
- Make Payment: Select the payment method that you want and make payment.
- Add New Card: If you want to pay for a card that is not saved, you can add a new credit card on your list and then proceed with paying the bill for it.
Pros and Cons of Paying Credit Card Bills Through Amazon Pay
| Pros | Cons |
| Cashback offers on credit card bill payments. | Limited to Amazon’s platform. |
| Free credit report to manage your credit health. | Does not support all banks. |
| Secure transactions with robust fraud protection. | Can pay credit card bills using UPI and net-banking. |
- LazyPay
LazyPay is one of the best credit card bill payment apps, which is one of the innovative payment services. You can shop directly on your favourite apps or Scan & Pay at any store using Lazy Pay.
In addition, you will get Rs. 500 cashback on your first transaction with the credit card and up to 5% cashback on every purchase. Also, you can receive rewards if you refer others.
How to Pay Credit Card Bill Through LazyPay
There are 2 ways by which you can pay your credit card bill through LazyPay. The first way is to use the LazyPay UPI ID to pay on the credit card provider’s website. If you are not sure,
How to create LazyPay UPI ID, then are the steps for that first.
- Open the LazyPay App: Download and open it on your mobile device.
- Now go to Scan & Pay: Select the Scan & Pay option.
- Activate Now: Tap Activate Now to register and activate the credit limit.
- After registration, you can make payments through the LazyPay UPI ID at all merchants where UPI is accepted, both online and offline.
Now, since your LazyPay UPI ID is available, you are able to pay your credit card bill without any tension. However, you would have to use this because other payment gateways are also not permissible through this application. This is the case because it is innovative which is one of the reasons of being our best offer credit card.
- This is the first method for paying a credit card through LazyApp.
- Navigate through the website of your credit card service provider.
- Log in to your account.
- Click on the bill payment tab.
- Enter the amount that you wish to pay
- Select UPI as your payment method.
- Enter LazyPay UPI ID, which can be located at LazyPay app. You may also scan the QR code for LazyPay UPI ID.
- Click confirm.
- The second is Amazon as a bill pay option. Here’s how it works:
- Login to your Amazon account.
- Click Add money to your Amazon Pay balance. You can also fund your Amazon Pay balance ahead of time.
- Click on Add bank account and link your bank account if you haven’t done this already.
- Go to Bill Pay on Amazon.
- Click the credit card bill pay option.
- Enter your credit card information, including the card number, expiry date, and CVV code.
- Select UPI as the payment option and enter your LazyPay UPI ID.
- Confirm the payment.
- It should reflect in your credit card account within 3 to 4 hours.
Pros and Cons of Using LazyPay App for Paying Credit Card Bills
| Pros | Cons |
| Buy now and pay later, helps to make purchases. | Must create a LazyPay UPI ID first. |
| Interest-free payments for a certain period. | Cannot use debit cards for payments. |
| Spread payments over time to manage expenses. | Limited to UPI method for credit card bill payments. |
- Google Pay
One of the most well-known digital payment apps used in India surely makes one of the top credit card payment apps available in the country. Using Google Pay lets you carry out the online transaction efficiently, quick, and secured in only seconds.
It’s never easier to pay credit card bills. This is the best rewards credit card india and boasts the simplest, cleanest interface to pay credit card bills. No credit card mockups. No box to enter those random promo codes. No fancy animations, none of that! You just input your credit card details and pay. That is how simple it is. Here’s how you can do it.
How to Pay Your Credit Card Bill Using Google Pay
- Open the Google Pay app on your phone.
- Go to Credit Card Bill in the section named ‘Regular Payments’.
- Enter the first 12 digits of your credit card number.
- Verify the number of your card for correctness.
- Pay with the amount you want to pay using your UPI PIN to confirm.
How much time Google Pay Takes To Credit Your Credit Card Payment with Your Bank?
| Bank | Settlement Time |
| DFC | 2-3 business days |
| SBI | Instant |
| RBL | Instant |
| IndusInd | Instant |
| Axis | 3-4 business days (Instant if paid directly through UPI) |
| ICICI | 4-5 business days (Instant if paid directly through UPI) |
| Kotak | Overnight, time varies |
Credit Card Bill Payment Offers On GPay
| Offer | Details |
| Google Pay Visa Card Offer | Save up to ₹570 on recharges and bills. Receive ₹70 rewards on 1st transaction. Up to ₹500 cashback after 3rd transaction. Transactions must be ₹199 or more. Scratch card on 1st and 3rd transactions. |
| G-Pay Magic Pin | Up to 10% cashback. Eligible for debit and credit cards from certain banks. Save up to ₹50 on 1st payment. Cashback credited to bank account. |
| Yatra Offer | Maximum ₹200 cashback. Earn 3% of purchase amount as a reward. Use G-Pay tokenized card for credit card bill payments. |
- BharatNXT
The BharatNXT is undoubtedly another one of the best-accepted credit card payments app and allows entrepreneurs to combine several credit cards under one easy payment system, which can enjoy 45 to 50 days of credit without interest and earn rewards along with cashback on every business transaction. The application also makes B2B payments easy through advanced technology, providing a great experience with payments for small and medium businesses.
How to Pay Your Credit Card Bill Using BharatNXT
- Start by securely adding your credit card details to the BharatNXT app. This makes your card information easily accessible for future payments.
- Go through the app and choose the “Credit Card Bill Payment” option. This is the category for paying your credit card bills.
- After choosing your payment category, select your credit card as the payment option. BharatNXT also guarantees you safe transactions.
- With BharatNXT, you can pay credit card bills and earn rewards. With every payment, comes an opportunity to collect rewards
- You can pay your credit card bill using BharatNXT without any kind of additional charges. By paying through BharatNXT, you can make fee-free payments while maintaining perfect control over your finances.
Pros and Cons of Using BharatNXT for Credit Card Payment?
| Pros | Cons |
| Allows businesses to make credit card payments. | Users have complained about technical glitches. |
| 1% to 3% rewards. | |
| Credit available for businesses via app. | |
| Up to 50 days of interest-free credit. | |
| No credit check required. | |
| Improves your credit score with regular use. |
- CheQ
CheQ is the name of this Bengaluru fintech startup which eases up credit card bills and payment. Here with CheQ, check Experian credit scores and also borrow instant loans along with availing reward options. Though it’s really large competitor Cred has won this name popular now, India’s best rewards have on its credit card payment options, consolidates all of its credit card payments in a single transaction making them payable very easily hassle free.
CheQ used to charge a fee for paying credit card bills, but now it’s free. Thus, if you were not using CheQ for this reason, NOW you can! You also get to earn 1% CheQ coins for each transaction, which can be used for vouchers and discounts. And it has vouchers from all the leading brands. I think many people will start using CheQ as long as Amazon Pay and Flipkart coupons are there and CheQ coins are not devalued.
How to pay your Credit Card Bill through the CheQ app:
First download the CheQ app and account; it fetches your credit score with the help of your mobile number. Now in case if the mobile number is linked with your credit card, then you do not have to submit your PAN card number; otherwise you must present it for verification purposes.
Once logged in, you will see a list of your credit cards with the outstanding balance. You can also see your credit score here.
Select the credit card and the amount you want to pay.
Choose a payment method: chips earned through the app, UPI, Paytm, Net banking, or debit card.
Confirm the payment. The app claims that the payment shall be settled instantly; but my experience tells me it might take between 24 to 72 hours.
Credit Card Payment offers with CheQ
| Earn CheQ Coins | Get CheQ coins for vouchers or bill discounts, plus ₹50 off your first credit card bill payment. |
| Referral Bonus | Earn up to ₹3,000 each month by referring friends and family. |
| Pay Multiple Bills | Pay several credit card bills at once with CheQ. |
| Rent Payment Offers | Get special offers on rent payments through OneCard. |
| Free Credit Report | Check your Experian credit report for free. |
| Bill Reminders | Receive automatic reminders for bill payments. |
- PayZapp
PayZapp is an HDFC Bank online payment app. It can be used even by non-HDFC customers for credit card payment also. This India payment app is present both in Google Play Store for android and Apple Store for ios devices. Both HDFC Bank and non-HDFC Bank customers can enroll through mobile number. The non-HDFC customers have to undergo the process of KYC, whereas in HDFC Bank customers mostly do not.
PayZapp saves an individual device signature onto your smartphone while setting it up. Such a signature is sent with each transaction to authenticate one’s identity. This feature fulfills the two-factor authentication for card payments as insisted by the regulator. Security is always made easy; hence not asking you for complicated procedures. Since it has prioritized security as its foremost task, that’s the reason it makes its way through to our list of best credit card bill payment apps.
How to Pay Credit Card Using PayZapp UPI
- Open the PayZapp on your Mobile.
- Go to the ‘Bills and Recharges’ section.
- Locate ‘Financial Services’.
- Choose ‘Credit Card’.
- Select Credit Card Issuer.
- Input the Credit Card number.
- You can now input the desired payment amount and click on the ‘Continue’ button
- Choose UPI as a payment option and continue with the process.
- Authenticate your UPI payment and proceed
- Check your SMS to get the payment confirmation and related transaction details.
Pros and Cons of Paying Credit Card Bill Through PayZapp
| Pros | Cons |
| No OTP needed for payments. | Payment confirmation can take up to 4 days. |
| Earn up to ₹1,200 monthly cashback. | Refunds for failed payments can take up to 4 days. |
| Get ₹11 cashback on credit card bill payments over ₹5,000. | Some users report slow app loading. |
| Secure transactions with a unique password. | |
| Doesn’t store or share credit card information. |
Conclusion
These were the best credit card bill payment apps in India that reward you for paying your bills with cashback and prizes. Overall, Cred remains an attractive alternative because of the features it offers, followed by Amazon Pay with its infrequent deals.
But before doing that, it is a good idea to look through all the credit card bill payment offers to determine which app you would use to pay your bill. Do you have other recommendations for the best credit card bill payment apps? Please let us know in the comments section below.
FAQs:
Here are the questions you most ask about the app used for credit cards payments.
Q1. Paying credit card bills via CRED?
Well, surely using CRED to settle credit card bills has so many benefits. It’s not just a way to keep track of how much you owe on your cards; CRED is way beyond that.
Q2. CRED vs CheQ App: Which app is better for paying credit card bills?
CRED provides rewards to users for the timely payment of credit card bills through exclusive offers and discounts, whereas CheQ allows users to manage their credit card bills, check their credit scores, and earn rewards and cashback easily.
Q3. Which app gives cashback on bill payments?
Mobikwik is an application that offers cashback on bill payments. Mobikwik is often offering cashback offers and discounts on these bill payments and is a convenient and rewarding option for the users.
Q4. Is CRED a Chinese app?
No, CRED is not a Chinese app; it’s an Indian fintech company founded by Kunal Shah in Bangalore.
Q5. Which app is most beneficial for credit card bill payment?
Cred is the most beneficent app for credit card payment as it has a super simple cashback offer of 200 Rs on the first payment and has plenty of new offers in frequent updates.
Q6. Among Google Pay and PhonePe, which one is superior for credit card payment?
Neither Google Pay nor PhonePe charges for paying credit card payments. Hence, Google Pay and PhonePe are considered best credit card payment apps.
Q7. What are the advantages of paying credit card bills through BBPS and not through third part credit card payments apps?
There are a number of advantages to pay credit card bills through BBPS compared to third-party credit card payment apps. The first is real time view of the bill. The second advantage of BBPS is fast electronic payment collection, which makes the whole process efficient. Thirdly, it reduces risks that arise during collection and settlement of payments.
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