Related | 5 Ways to Fix Credit/ Debit Card Not Working Online
Best Credit Card Bill Payment Apps in India That Give Cashback
One of the ways to pay your credit card bill is through the mobile app or net banking of the card-issuing bank. The bill gets settled instantly without any hassles. However, it can be tiresome if you hold multiple cards. Plus, you don’t get any rewards in this method. We now have several new-age payment apps in the market that let you pay credit card bills with ease. You get the convenience of paying and managing bills for all your cards in one place, alongside cashback and other useful offers. Here are some of India’s best credit card bill payment apps you can use to clear your dues and earn rewards or cashback.
1. CRED
Cred is a top-rated credit card bill payment app in India. Every time you pay a bill, it rewards you with an equivalent number of points called Cred coins. You can then redeem these coins in exchange for offers. One can claim mystery cashback after clearing a bill of min. ₹1000 to get cash rewards. In the initial days, the app gave good rewards, which are now reduced drastically. So, do not expect huge offers. Furthermore, Cred lets you connect your Gmail to auto-grab credit card statements, but it’ll be better to avoid the feature if you have privacy concerns. There’s also a unique referral program with ₹750 cashback on referring friends. Note that you need to have a good credit score to register on Cred. Highlights
Pay credit card bill via UPI or net banking (min. ₹10)Get mystery cashback on bill paymentsPayment reminders, smart statement, free credit scorePay rent with your credit card
Steps to Use Android iOS Highlights
Pay credit card bill via UPI or net banking (min. ₹100)Occasional cashback offers on card bill paymentsFree credit score
Steps to Use Android iOS
3. Paytm
Paytm is the most popular payment app in India. It lets you pay almost all types of bills, including credit card payments. While there’s no permanent cashback structure, it’s currently running a limited-time campaign offer. Under the same, you can get a scratch card worth up to 1 lakh cashback points on bill payments of ₹5000 and more. Here, 1 lakh cashback points =₹1,000, and you will get a minimum of 1,000 points on every card transaction. The cashback offers might change over time. So, confirm before making the payment. Paytm also lets you pay bills via debit cards except for VISA and Mastercard. Highlights
Pay credit card bill via Paytm balance, UPI, debit cards, or net banking (min. ₹1)Occasional rewards on bill paymentsRegular bill remindersPay rent with your credit cardFree credit score
Steps to Use Android iOS
4. Mobikwik
Mobikwik app gives you rewards in the form of Supercash every time you pay your credit card bill. You can use this Supercash later (up to 5% per transaction) while making other payments in the app. Besides UPI, you can pay the credit card bill using your debit card. This can be useful if you want to complete spending milestones on your debit card, which is a win-win situation. One can also pay via Mobikwik wallet, which attracts a convenience fee of 1.5% + GST. On the flipside, Mobikwik recently went through a huge data leak. Also, some users have reported delayed credit card payments- so, keep a note of it. Highlights
Pay credit card bill via debit card, UPI, and Mobikwik balance (min. ₹1)Get Supercash on each bill payment
Steps to Use
Open the Mobikwik app.Select All Services and tap Credit Card.Enter credit card details if not already.Enter the amount and apply a coupon if available.Pay via UPI, Mobikwik wallet, or debit card.
Android iOS
5. PhonePe
PhonePe, too, offers the credit card bill payment option. You get scratch cards with up to Rs. 1000 cashback on paying bills, similar to when you pay others or make any other transactions. It’s fairly simple and lets you pay almost all credit card bills using UPI. Highlights
Pay credit card bill via UPI (min. ₹1)Get scratchcards on bill paymentsPay rent with your credit card
Steps to Use Android iOS
Get Rewarded for Paying Your Credit Card Bills
However, it would be best to check all the given apps for offers and then decide what to go for. Anyways, which one do you prefer? Have any other app to suggest? Let me know in the comments below.
