10 Best Credit Card Payment Apps in India [in 2024]

Explore the best app for credit card bill payment in India. These apps offer secure and a convenient way to pay credit card bills and rewards on every successful payment. If you are a credit card user, you should know about some applications. Yes, we are talking about some of India’s most popular credit card payment apps.

While popular apps like Paytm and Amazon offer credit card bill payment facilities, there are many other applications t(or platforms) that provide excellent discounts, and cashback offers on credit card bill payments. In this article, we will discuss some of the best apps for credit card bill payments and also try to figure out which one is the best in 2024 for this purpose.

Best Credit Card Payment Apps [in 2024]

1. HDFC Bill Pay

If you have HDFC bill payment, you can earn up to ₹750 cashback on making credit card bill payments. Here’s how you can save up to ₹750 with HDFC bank debit card.HDFC Millenia offers a 1% cashback up to Rs 400 per month, while HDFC Easyshop Platinum offers up to Rs 750 per month. This is applicable when you pay non-HDFC bank credit card.

1. Log in to your HDFC Bank Netbanking account.
2. Click on the “BillPay & Recharge”  tab and then select “Continue.”
3. Add a new biller by clicking on “Add Biller.”
4. Choose “Credit Card” as the biller category.
5. Select your credit card provider from the available options.
6. Enter your credit card details.
7. Specify the amount you wish to pay.
8. Pick your debit card from the dropdown menu.
9. Click the “Pay” button.
10. Enter the OTP to finalize the transaction.

 2. Mobikwik

MobiKwik is one of the best options for credit card bill payments because it offers a guaranteed 1% flat cashback every month on successful credit card bill payments. If you are a new user, you can also receive a flat ₹100 cashback on your first-ever credit card payment.

Mobikwik app offers flat cashback on credit card bill payments, while flat ₹100 cashback on the first credit card bill payment.

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.

3. 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.

4. 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.

5. 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.

6. 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.

8. 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.

What are the best credit card payment apps in 2024?

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.