10 Best Credit Card Payment Apps in India [in 2025]

If you are a credit card user, you should have these apps installed on your smartphone. Best credit card payment apps simply credit card management, sending you payment reminders, uncovering hidden fees and managing finances on the go.

Over and above that, they reward users and provide perks such as brands’ gift vouchers. These apps streamline your payment process, enabling you to add multiple cards and track bills in one place. This article will explore the best credit card payment apps and their features and reward policies.

Best Credit Card Payment Apps

Below, we have compiled the best credit card bill payment apps, describing their top features and cashback policies.

INDmoney

INDmoney app, primarily an investment platform, also lets you pay credit card bills. You can manage all your credit cards in one place and track bills and transactions effortlessly. From managing to tracking credit card bills, you also earn rewards for each payment you make. First-time users who join through a referral get a flat 1% cashback, up to ₹500.

Plus, every time you make a payment, you get a scratch card, which can be redeemed for additional cashback. However, keep in mind that the cashback earned can only be used for credit card bill payments within the app.

Top features

1. Track credit card bills
2. Check free credit score
3. Categorise expenses and charges
4. Discover hidden charges
5. Analytical representation
6. Payment reminders through WhatsApp
7. Finance tracking

BHIM

The BHIM app is a great option for credit card bill payments, offering a ₹40 cashback every month when you pay your credit card bill. The best part? You can claim this offer with a minimum payment of just ₹1,000. Additionally, you can verify credit card offers directly on the BHIM app by visiting this page.

If you have a small pending credit card bill this month, don’t miss out on this offer. Compared to other apps, BHIM provides the best cashback deal for small-amount bill payments.

Mobikwik

MobiKwik is my top pic. It helps you save minimum ₹50 every month on credit card bill payment. It runs flat 1% cashback when you make a full bill payment. However, the cashback is capped at ₹50. Every month you can save ₹50 with Mobikwik.

If you are a new user, you can also receive a flat ₹100 cashback on your first-ever credit card payment.

Download Mobikwik App

The app is trusted and easy to use. You can use various payment options and various cash-back programs for credit card users. It sends you offers through notifications and also you can check ongoing offers on credit cards on the app.

Mobikwik offers a range of multiple offers specifically designed for credit card bill payments, establishing its reputation as a preferred platform in this category.

Get up to ₹100 cashback on your first credit card payment on Mobikwik.Claim offer now.

CheQ

CheQ is a relatively new app that offers flat cashback in the form of CheQ chips. The chips can be redeemed for cash or vouchers. With this app, you will have an idea of how much cash back you will earn. The cashback you will receive in the form of CheQ chips.

The chips can be redeemed into cash or you can avail of brand vouchers such as Amazon, Big Basket, PVR, and many more.

Get ₹25 off on your credit card bill payment on CheQ. Claim offer now.

PostPe

Do you have a large amount of credit card bills to pay? You can use this app as it offers flat 0.25% cash back. To earn maximum cashback you can partially pay with CheQ and use PostPe. This way you can earn maximum cashback. This app is particularly beneficial for large payment transactions. You can earn a maximum cashback of 1000 INR per transaction.

Postpe offers flat 0.25% cashback on credit card bill payments. The maximum cashback is capped at ₹1000 per transaction.

Cred

Cred is the most popular and best credit card bill payment app. However, its cashback offers are not as good as other apps mentioned in this list. The key benefit of this app is that the app supports a greater number of credit cards than other apps on the market. Users can earn Cred coins for each successful payment, which can be redeemed for nothing.

Bajaj Finserv

Bajaj Finserv is an app that provides cashback on credit card bill payments and offers special deals for new users. Apart from bill payments, it also offers loan and credit card services. If you are searching for an app with special offers for new users, you may want to consider checking out Bajaj Finserv. The app may become unresponsive sometimes and is not as smoothly functioning as others.

This app is unresponsive and not as smooth as others. But you can earn between ₹75-150 on your first credit card bill payment.

Paytm

Paytm is a popular credit card payment app in India that offers cashback, though its cashback offers are not enticing. you may check if it is user-specific for this category. You can earn around ₹10-200 cashback on credit card bill payments. You can check under the cashback and offers section. In addition to this, new users can get additional cashback on their first-ever credit card bill payment on Paytm.

Paytm is a well-known platform. It runs various cashback offers that you can find on the app.

What are the best credit card payment apps ?

In this article, we have listed the best credit card payment apps for rewards. To maximize your rewards, you can make partial payments with multiple apps listed in the article, such as Mobikwik, HDFC Bill Pay, CheQ, and Amazon Pay.

Before making a payment, be sure to check the Mobikwik app, as they often have running offers. CheQ was once a great option, but the chips they offer are not very useful. You can still check the CheQ rewards section, but I recommend focusing on Mobikwik and HDFC Bill Pay, and then checking other apps for specific offers if needed.