CheQ app review

CheQ App: The CRED Alternative for Credit Card Payments

What is CheQ App?

CheQ is a credit card bill payment app and a reliable CRED alternative in 2025. With guaranteed flat 1% cashback on all credit card bill payments, CheQ rewards you in CheQ Chips, which can be redeemed for cash or vouchers.
If you sign up using a CheQ app referral code or link, you can also receive a ₹50 Swiggy voucher on your first-ever credit card bill payment.

Want to explore more apps similar to CheQ for credit card payments? Check out our best credit card payment apps guide for alternatives.

In this article, we will explore:

  • CheQ referral offer for new users
  • Its cashback policy on credit card payments
  • CheQ features

Download App

How to Download and Use CheQ App

  • Download the CheQ App from Google Play or App Store.
  • Enter your number and verify via OTP.
  • Add first name, last name, email, PAN, and DOB.
  • Enter your card details and verify via OTP.
  • Make credit card bill payments to earn 1% cashback automatically.The
Cred has a special offer for new users. If you download this app using a referral link (which is provided above), you will receive a Swiggy voucher worth ₹50 on your first-ever credit card bill payment. 

CheQ app is quite similar to Cred. However, what sets it apart is its guaranteed flat 1% cashback on every credit card bill payment.

Cred vs CheQ

FeatureCheQCRED
Offers cashback on credit card bill paymentsFlat 1% cashbackVariable cashback
Points Collection/RedemptionCash/Gift CardsCRED coins (no real value)
Processing chargeYes NoNo
InterfaceClean and less clutteredClean and less cluttered
Cashback RedemptionCheQ chips (can be redeemed for cash or brand vouchers)CRED coins (to play “Spin the Wheel” game)
Credit Card SupportNot specifiedWide range of credit cards
Partner OffersNot specifiedWide range of partner offers
Additional FeaturesNot specifiedCredit card, recharge/bill payment options within the app

CheQ app is quite similar to CRED. However, what sets it apart is its guaranteed flat 1% cashback on every credit card bill payment, making it a compelling alternative if you’re looking for something simpler and more transparent.

CheQ Chips Value & Cashback Review

  • 1 CheQ Chip = ₹0.10 INR
  • Cashback is added automatically after each payment.

Chips can be redeemed for cash, brand vouchers, or rewards.

CheQ App Features

  • 1 CheQ Chip = ₹0.10 INR
  • Cashback is added automatically after each payment.

How to Maximize CheQ App Benefits

  1. Use a CheQ referral code to grab joining bonuses.
  2. Pay multiple bills at once using Pay Together.
  3. Redeem Chips efficiently for cash or vouchers.

Combine CheQ with other apps like Pop UPI for additional cashback.

Bottom Line

If you’re looking for a simple and rewarding alternative to CRED, the CheQ app is a strong contender in 2025. With guaranteed cashback, referral benefits, and features like Pay Together, it makes credit card bill payments easy and profitable.

FAQs

Q1. Is CheQ App Safe?

Yes, CheQ uses secure encryption and OTP verification for all transactions.

Q2. Which Credit Cards Are Supported?

CheQ supports most major credit cards. Check in-app before making payments.

Q3. How Do I Redeem CheQ Chips?

Chips can be converted to cash or redeemed for vouchers directly through the app.

Q4. Is CheQ a Good CRED Alternative?

Yes, it offers simpler, guaranteed 1% cashback on credit card bills, making it ideal for users seeking transparent rewards.

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