The process of clearing credit card bills through credit card payment apps is preferred over other methods of digital payments like internet banking, mobile banking, auto-debit, debit cards, RTGS, IMPS, NEFT, etc. Download the application from the Android or iOS app store, enter personal details and credit card number, and verify with an OTP.
With a digital payment app, you can make your credit payments on time, earn cashback and rewards points, and some even offer credit to your account. The majority of credit card payment apps charge a processing fee of zero to 3%, depending on the app.
We analyzed the top credit card payment apps available on Google App Store and Apple Store, and created a list of the best ones.
Best Credit Card Payment Apps
Cred
Dreamplug Technologies Private Limited's Cred allows members to pay and manage multiple credit cards, as well as access curated products and offers. Using the app, users can track, monitor, get reminders, and automate their credit card payments. As soon as a payment is processed through the app, members become eligible for exclusive access to events, experiences, gift cards and upgrades. Using the app, credit card members can scan and pay via UPI without incurring any fees.
CheQ
In addition to managing credit cards, Cheq also helps users manage their loan EMIs. With every transaction made through the platform, users earn 1% CheQ Chips that can be redeemed for vouchers from premium brands, such as bookmyshow, Uber, and Domino's. One chip (up to 1,000 chips) is equivalent to INR 1, which can also be converted to a discount on future bills. Users can pay all their bills at once with the app.
Moreover, users can check their credit score regularly, set reminders for upcoming bills, and use other credit card services. The CheQ platform does not charge processing fees for payments.
FreeCharge
Credit card users of almost all major brands can make payments via Freecharge's mobile app, which is owned by Axis Bank. With 18 major Indian banks offering credit cards, the platform offers users 5% cashback on every credit card payment and 2% cashback on Ola, Uber, and Shuttle rides. In addition, the app has partnered with top restaurants to offer users discounts of up to 20%.
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Paytm
In India, Paytm is the most widely used and most reliable app for paying credit card bills. Paytm balance, debit cards, net banking, and Paytm balance can all be used to settle bills.
You will receive a scratch card with a potential value of 1 lakh reward points when you pay your bill of INR 5,000 or more. Furthermore, every purchase you make with your card earns you a minimum of 1,000 points, which is equivalent to INR 1,000.
Please verify everything before making any transaction, as cashbacks are not guaranteed.
Benefits:
Amazon Pay
Besides making purchases on Amazon, Amazon Pay can also be used to settle credit card debt. With this service, you can pay bills for all major credit card companies, such as American Express, Visa, Mastercard, RuPay, and others. Additionally, the app offers a maximum and minimum payment option of Rs 100 and Rs 1,00,000.
Benefits:
Conclusion
Various credit card payment apps have simplified the process of paying credit card bills. Not only do these applications enable you to pay bills, but they also help you keep track of your spending and send you helpful reminders.
Furthermore, one of these credit card apps online can help you automate the payment process, remind you when payments are due, and keep track of your credit card expenses.
