Pay Credit Card Bill Using Amazon Pay Balance

If you have Amazon Pay balance, you can use it for credit card bill payment. Amazon itself doesn’t provide any direct way to do this. However, there is an app that makes it possible to use APB (Amazon Pay balance) for credit card payments. To use your APB, you can download and use Hitch app.

How Hitch Can Help

Hitch is a mobile app that allows bill and credit card payments. While the app is primarily a utility and rent payment platform, the good part for Amazon Pay users is that it allows partial payments using Amazon Pay Balance when you use PhonePe Wallet as the payment option inside the app. And with this option, you can make CC payments using your Amazon Pay Balance.

How This Works

The trick is that you will need to be a PhonePe user. Here’s the step-by-step explanation.

1. Download the Hitch App

2. Go to the “Credit Card Bill Payment” option inside the app.

3. Enter your credit card number, billing amount, and continue.

4. At the payment stage, choose PhonePe Wallet as your payment method.

5. When redirected to PhonePe:

   • If your Amazon Pay Balance is already linked to PhonePe, it will automatically use that.

   • If not, link your Amazon account with PhonePe Wallet (you’ll find this in PhonePe’s wallet section).

6. Confirm the payment.

Note: You may be charged a convenience fee of around 1.9–2.3% on the total amount. So if you’re paying ₹1,000, the final payment might be ₹1,023 approximately.

Additional Benefit for SBI Cashback Credit Card Users

As you know, the SBI Cashback Credit Card gives 5% cashback only on multiple merchant category codes (MCCs). And PHONEPE PVT LTD” or “PHONEPE PRIVATE LTD) is one of them. But if the merchant name or MCC differs, you might only get 1% or no cashback at all.

MCC 4900 is generally classified under utilities or bills, which can qualify for 5% cashback on the SBI Cashback Card if routed through eligible merchants.

However, this is not guaranteed every time, as MCC can change depending on the payment gateway or the bank processing the transaction.

If you want to get 5% cashback using your SBI card through this method, always check the merchant name during the transaction OTP page.

Important Things to Remember

• Amazon Pay Balance can only be used via PhonePe, not directly on Hitch.

• Hitch doesn’t allow 100% payment through Amazon Pay Balance. It will use the balance available in your linked PhonePe Wallet first, and the rest from your saved card (which can be a credit card).

• A small convenience fee (around 2%) is usually added to the final payment.

• Cashback is not guaranteed, but if all conditions are met (merchant name, MCC), you might receive it on SBI Cashback Credit Card.

• Always try a small test payment (₹100–₹200) before going for a large bill amount.