Have you ever considered that paying your credit card payment can be rewarding as well? Yes, it is, and today we’ll look at the best credit card bill payment apps in India.
Best credit card bill payment apps will provide you with the best options for storing all credit card information and retrieving the bill that needs to be paid each month. We won’t miss any deadlines this way, and we’ll be able to pay our expenses with a single click.
Let’s take a look at the best credit card bill payment apps in India
List of best credit card bill payment apps
1. Cred
Cred is India’s most popular and one of the best credit card bill payment apps. Every time you pay a bill with Cred, you will be rewarded with an equal number of Cred coins. After that, you can exchange these Cred coins for deals.
To receive cash incentives, claim mystery cashback after paying a bill of at least 1,000 INR. The app offered good prizes at the beginning, but these have since been substantially reduced. As a result, don’t expect enormous offers.

Bill Payment | Earn *Up To* |
₹1,000 | ₹1,000 (5 times/ month) |
₹5,000 | ₹5,000 |
₹20,000 | ₹10,000 |
₹50,000 | ₹1,00,000 |
Cred also allows you to connect your Gmail account to download credit card statements automatically, but if you’re concerned about your privacy, you should avoid using this tool. There’s also a one-of-a-kind referral programme that pays you 750 dollars for referring friends.
Key features:
- Pay your credit card bill via UPI or net banking
- Receive surprise cashback when you pay your bills.
- Reminders for payments, a smart statement, and a free credit score.
- Pay rent using your credit card effortlessly.
Note: Individuals need to have a credit score of 750 or above to register on Cred.
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2. Paytm
Paytm is India’s most popular and also one of the best credit card bill payment apps. It allows you to pay all sorts of bills. While there is no permanent cashback structure, a limited-time campaign offer is now available.
On bill payments of INR 5,000 or more, you can earn a scratch card worth up to 1 lakh reward points. 1 lakh cashback points equal INR 1,000, and every card transaction will earn you a minimum of 1,000 points.
Cashback incentives are subject to change at any time. As a result, double-check before paying. Except for VISA and Mastercard, Paytm allows you to pay bills with debit cards.

Key features
- Pay your credit card bill with your Paytm balance, UPI, debit cards, or net banking
When you pay your bills on time, you might get rewarded occasionally. - Bill reminders on a regular basis.
- Rent can be paid using a credit card.
- Generate credit reports for free
Also read: How To Link Credit Card With UPI?
3. Mobikwik
Mobikwik is another one of the best credit card bill payment apps to pay credit card bills instantly.
When you pay your credit card payment with the Mobikwik app, you get Supercash as a reward. You can use this Supercash to make other payments in the app later (up to 5 per cent per transaction).
You can also pay your credit card bill with your debit card if you don’t want to use UPI. This is beneficial if you want to meet spending goals with your debit card, and it’s a win-win situation. You can also pay with a Mobikwik wallet, which has a 1.5 per cent convenience fee plus GST.
Mobikwik, on the other hand, just had a massive data breach. Also, some people have complained about late credit card payments, so take that in mind.

Key features
- Pay your credit card bill with your debit card, UPI, or Mobikwik balance.
- Every time you pay a bill, you’ll get Supercash.
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4. Phone pe
Phonepe, another of the best credit card bill payment apps in India that offers the best cashback, provides a section for paying credit card bills. Phonepe gives scratch cards as a prize. The feature will be enabled once you have paid the bill. It is a great app for UPI payments when compared to other UPI apps. You can pay your credit card bill using UPI or a debit card using PhonePe. As previously stated, you will be rewarded with a scratch card containing a mystery cashback or other bonuses.

Key features
- Pay your credit card bill with UPI.
- Get scratchcards when you pay your bills.
- Rent can be paid using a credit card.
5. Amazon Pay
Amazon Pay is yet another one of the best credit card bill payment apps that uses your account information saved in your Amazon accounts to optimise checkout. It helps enhance consumer trust while improving the checkout experience by leveraging the security and fraud protection that hundreds of millions of Amazon consumers know and trust. It comes with a simple integration procedure, built-in support, ongoing optimization and a simplified checkout process.
You may pay your credit card bills through Amazon, in addition to 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, go to the rewards section to see if there are any deals on credit card bill payments. The offers will also appear in the area under Credit Card Bills.

Key features
- Using UPI or net banking, pay your credit card bill (minimum of INR 100).
- Cashback deals on card bill payments are available occasionally.
- Receive credit reports for free.
6. Lazy Pay
Lastly, we have Lazy Pay, an innovative payment service that has been built to provide you with an easy payment option for your day-to-day purchases. You can shop directly on your favourite apps or Scan & Pay at any store using Lazy Pay.
LazyPay offers personal loans to those seeking quick and instant credit. Interest will only be charged on the amount you borrow, making it a convenient option to meet your immediate financial expenses. Loan amounts vary from Rs.10,000 to Rs.1 lakh.
Furthermore, you get Rs. 500 cashback on your first transaction with the credit card and earn up to 5% cashback on each purchase. You can also get rewards when you make referrals.

Key features
- Flexible repayment tenures range from 3 months to 24 months.
- No collateral is required.
- No need to visit any bank.
- You will be required to pay your interest only on the amount used by you.
7. Google Pay
Looking for a seamless UPI transaction experience? Look no further than Google Pay! This remarkable app stands out as one of the finest options available. With its user-friendly interface and robust features, paying your credit card bills has never been easier. The app has the simplest, cleanest interface for paying credit card bills. There are no credit card mockups; there’s no box for you to enter random promo codes; there are no fancy animations, none of that! You just enter your credit card details and pay. That simple.

Key Features
- Hassle-free Addition of Multiple Credit Cards
- Rewards and Cashback on Bill Payments
- Multi-layered Security Features
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Best Credit Card Bill Payment Apps: Bottom Line
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 appealing alternative due to the features it offers, followed by Amazon Pay with its infrequent deals.
However, it is best to examine all of the available applications for offers before deciding which one to use. Which one do you favour, in any case? Do you have any recommendations for the other best credit card bill payment apps? Please let us know in the comments section below.
Also read: UPI 123Pay: How To Make UPI Payment Via A Feature Phone?
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