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

So if you have a credit card, you should definitely have these apps installed on your smartphone. By using these applications, you can save some bucks because they offer decent cashback, especially on credit card bill payments.

The thing is, in 2025, if you rely on just one app, you’re not going to get the best cashback deals. So, you should have at least two to four apps installed. This way, you can switch between them to grab different offers and save more money. For instance, Mobikwik offers a flat ₹40 cashback every month.

CheQ is another app already offering ₹100 off on credit card bill payments. If you find Cred cashback policy useless, then you should check out these apps.

If you own a debit card, many cards give 2–5% cashback on payments. You can use these cards strategically to maximize your savings, but we’ll dive deeper into debit card benefits in a different article. For now, let’s focus on the best credit card bill payment apps in 2025.

Here are my top three picks:

1. Mobikwik [gives ₹40 off every month]
2. CheQ [offer flat 1% cashback on cc bill payments]
3. BHIM UPI [runs exclusive offers on bill payments]

Make sure you have these apps installed. One more thing, instead of focusing on the app’s overall features, we’re zooming in on how much cashback you can actually get.

Best Credit Card Payment Apps [in 2025]

1. 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.  Click here to claim the offer.

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. 

7. 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. 

2. 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.

3. 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.

4. 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 smooth 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.

5. 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. The offer 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.