Best Credit Card Bill Payment Apps in India

Paying your credit card bill on time is crucial to maintaining a good credit score and avoiding late payment fees. But did you know that using the right credit card bill payment app can help you earn cashback, rewards, and even discounts?

In this guide, we’ll explore the top credit card bill payment apps in India, their features, and how they help you save money while making secure and hassle-free payments.

List of Credit Card Bill Payment Apps in India
 

App Name	Platform Fee	Rewards
EaseMyDeal	No Platform Fee	Upto Rs 500 Cashback
Cred	No Platform Fee	Cred Coins
Amazon Pay	1.18% Fee	Flat Cashback
PhonePe	convenience fee + GST	Cashback in Wallet
Paytm	No Platform Fee	Rewards & Cashback
Google Pay	0.5% to 1% plus GST	Rewards & Vouchers
Mobikwik	2.5% fee plus GST	1% Cashback upto Rs.25

 

1. EaseMyDeal

Features:

•  EaseMyDeal offers a simple and user-friendly interface for seamless credit card bill payments.
•  Users can link their credit cards and make payments swiftly, ensuring convenience and efficiency.
•  The app provides transaction tracking, payment reminders, and instant confirmation for peace of mind.

Charge:

 EaseMyDeal stands out for its competitive pricing, charging only 1% per transaction, the lowest in the industry.

 This minimal fee makes it an attractive option for users seeking cost-effective credit card payment solutions.

Why Use This App:

 EaseMyDeal's affordability and straightforward payment process make it a preferred choice for individuals looking to minimize transaction costs.

 Its user-friendly interface and efficient payment processing further enhance the user experience, making it an excellent option for managing credit card bills.

Apply Now: https://www.easemydeal.com/download-app/

 

2. CRED

Features:

•  CRED is a credit card management app that focuses on rewarding users for timely credit card bill payments.
•  In addition to bill payments, CRED offers features such as credit score tracking, bill reminders, and exclusive rewards and offers for credit card users.
•  The app provides a streamlined interface for managing multiple credit cards and tracking expenses.

Charge:

 While CRED does not charge users directly for credit card bill payments, users may need to meet eligibility criteria to join the platform.

 However, users can benefit from the rewards and offers provided by CRED for timely credit card bill payments.

Why Use This App:

 CRED offers a unique value proposition by rewarding users for responsible credit card usage.

 Its user-friendly interface, credit score tracking, and exclusive rewards make it an attractive option for credit card users looking to maximize benefits.

 

3. Amazon Pay

Amazon Pay offers credit card bill payments with cashback for select transactions.

Key Features:

• Secure credit card bill payments with Amazon Pay balance
• Exclusive cashback offers on eligible bills
• One-tap payment setup for recurring bills

4. PhonePe

Features:

•  PhonePe facilitates quick and secure credit card bill payments through its intuitive platform.
•  Users can link credit cards and make payments using UPI, bank accounts, and debit cards.
•  It offers features like transaction tracking, bill reminders, and instant payment confirmation.

Charge:

 PhonePe generally does not levy fees for credit card bill payments made through UPI or bank accounts.

 However, users should review their bank's charges for UPI transactions, as applicable.

Why Use This App:

 PhonePe's seamless payment experience and quick transaction processing make it a reliable choice for managing credit card bills.

 With its extensive network of merchants and cashback rewards, PhonePe offers added value to users, enhancing their overall payment experience.

5. Paytm

Features:

•  Paytm offers a comprehensive platform for managing credit card bills, along with a wide range of additional services such as mobile recharges, utility bill payments, and shopping.
•  Users can link multiple credit cards and make payments using various payment methods, including bank accounts, UPI, and Paytm Wallet.
•  The app provides bill payment reminders, transaction history, and cashback offers for credit card payments.

Charge:

 Paytm typically does not charge users for credit card bill payments made through bank accounts or Paytm Wallet.

 However, users may incur nominal charges for transferring funds from credit cards to Paytm Wallet or using certain payment methods.

Why Use This App:

 Paytm's versatility and extensive range of services make it a one-stop solution for financial management.

 Its user-friendly interface and cashback offers provide added incentives for users, making it a preferred choice for many.

 

6. Google Pay (GPay)

Features:

•  GPay enables hassle-free credit card bill payments using UPI or linked bank accounts.
•  Users can easily manage multiple credit cards within the app and schedule payments for future dates.
•  It provides real-time transaction updates, rewards, and personalized offers for credit card users.

Charge:

 Google Pay does not impose fees for credit card bill payments made through UPI or linked bank accounts.

 Users may need to verify if their bank applies any charges for UPI transactions.

Why Use This App:

 GPay's integration with Google services and its robust security features make it a trusted choice for credit card payments.
 Users can benefit from personalized offers, rewards, and a seamless payment experience, making it a preferred option for many.

 

7. Mobikwik

Mobikwik offers a secure and fast way to pay credit card bills while providing SuperCash rewards.

Key Features:

• SuperCash rewards on credit card bill payments
•  Supports UPI, Wallet, and Debit Card transactions
•  Quick processing for all major banks
• Safe and secure platform with fraud detection

Conclusion:
In conclusion, these credit card payment apps cater to diverse user needs, offering convenience, affordability, and additional benefits. Whether seeking minimal charges, comprehensive services, or exclusive rewards, users can find the perfect fit among these top credit card payment apps in India.

 

FAQs – Everything About Paying Credit Card Bills Online
 

1. Which is the best app to pay credit card bills in India?

EaseMyDeal is the best credit card bill payment app for cashback, rewards, and no transaction fees. Download Now.

2. Can I pay my credit card bill using UPI?

Yes, you can use apps like Paytm, Google Pay, and PhonePe to pay credit card bills via UPI.

3. Does paying a credit card bill through these apps charge extra fees?

Most apps offer zero or minimal transaction fees, but EaseMyDeal provides No platform fee with upto Rs500 cashback.

4. Can I get cashback for paying my credit card bill?

Yes, EaseMyDeal, Paytm, and Amazon Pay offer cashback on credit card bill payments.

5. Is it safe to pay credit card bills using online payment apps?

Yes, apps like EaseMyDeal, Google Pay, and CRED uses encryption for secure transactions.

6. What happens if I miss my credit card bill payment?

Missing a credit card bill payment can lead to late fees, interest charges, and a drop in your credit score.

7. Which app offers the lowest transaction fees for bill payments?

EaseMyDeal offers the no transaction fees on credit card bill payments, making it the most cost-effective option.

8. Can I pay multiple credit card bills from one app?

Yes, EaseMyDeal allows you to pay multiple credit card bills from different banks in one place.

9. How long does it take for my credit card bill payment to reflect?

Most payments via EaseMyDeal, Google Pay, or PhonePe are processed instantly. However, some banks may take 1-2 working days.

10. How do I download the EaseMyDeal app for credit card bill payments?

Click here to Download EaseMyDeal and start earning rewards on your bill payments!

Final Thoughts

Paying your credit card bill on time is essential, but why not earn rewards while doing it? With so many credit card bill payment apps in India, choosing the right one can help you save money and enjoy additional benefits.

 EaseMyDeal stands out as the best app for credit card bill payments, offering:
 Zero transaction fees
 Exclusive cashback & rewards
 Instant & secure transactions
 Supports all major banks & credit cards