Credit Card Bill Payment Offers, January 2026
Check the January month’s credit card bill payment offers.
If you’re tired of using Google Pay, PhonePe, Cred or Paytm because they don’t seem to have any interesting offers, you should check these apps/websites.
Many debit cards give you either reward points or cashback when you use them. Take the example of the Kotak 811 Super debit card, which gives you 5% cashback on making online/offline payments. This benefit is not available for wallet loading and rent payment.
Similarly, the HDFC Platinum Debit Card also provides cashback for both online and offline payments. So, you can utilise these benefits that come with debit cards for making credit card bill payments.
To make the most of these offers, you will have to find platforms where you can use these debit cards. I’ll list some platforms where you can pay your credit card bills and still earn cashback when you use these debit cards.
However, there are some limitations. For example, the HDFC Platinum Debit Card has a cashback cap of ₹750 per month. Other cards might have similar caps, but you can still save between ₹500 and ₹1,000 per month if you’re paying off a large amount on your credit card bills.
See Also: Best UPI Credit Card in 2025 (Top 5)
Offers of the Month
- HDFC Rewards Debit Card
- Kotak 811 debit card on VI
- HDFC autopay
- Savesage referral offer
- Paytm offer
| Platform | Link | Offer [Cashback/Discount] |
|---|---|---|
| HDFC Rewards Debit Card | Apply Now | ₹2000 cashback |
| Savesage[Expired] | SaveSage | Flat ₹50 cashback |
| Jupiter | Download Jupiter | 1% up to ₹200 cashback |
| CheQ | CheQ | 1% up to ₹100 cashback |
| HDFC NetBanking | HDFC NetBanking | Up to ₹750 cashback |
| Amazon [Expired] | Amazon Rewards | Flat ₹15 cash back |
| Vi App (Via Kotak 811 DC) | Vi App | 5% cashback up to ₹500 |
| Paytm (user-specific offer) | Offer link | ₹100 cashback |
Credit Card Bill Payment Offers [January 2026]
Offers of the month
- Kotak 811 offer
- Jupiter credit card bill payment offer
- HDFC Rewards debit card offer
1. HDFC Rewards Debit Card
If you have HDFC EasyShop Rewards Debit Card, you can save up to ₹24000 per year.
This is one of the best offers for credit card bill payments. You can literally earn ₹2,000 cashback every month just by paying your credit card bill.
Apply For HDFC Rewards Debit Card
If you use it on PayZapp, you will receive flat 5% cashback in the form of rewards points. The maximum cashback you can earn is ₹2000 every month. For example, if you make a CC bill payment transaction of 40k, you will literally receive ₹200 cashback.
2. HDFC Bank Platinum Debit Card
Do you have an HDFC EasyShop Platinum debit card?
You can get ₹750 cashback through HDFC BillPay. All you need to make payment through this card via AutoPay. Just log in to HDFC NetBanking, add your non-HDFC credit card, and then enable AutoPay.
Login to HDFC NetBanking > Recharge &Bill Payment > Credit Card Payments > Enable SmartPay using your HDFC EasyShop Platinum Debit Card
You will receive flat 1% cashback, capped at ₹750. So if you have this card, definitely utilize this offer. For large credit card payments, this is one of the highest cashback benefits you can get.
3. Kotak Bank 811 Super Debit Card Offer on VI
Kotak 811 account comes up with a Platinum debit card that gives 5% cashback on online and offline spends, capped at ₹500/month. For credit card bill payment, you can use it on VI app.
Download VI app and then go to the pay section. Start credit card bill payment and make a payment using your Kotak 811 debit card. You will be charged a small convenience fee, but you will receive 5% cash back instantly. To minimise the convenience fee charge, make payments below ₹2000.
Download VI app -> Pay CC bill -> Choose Kotak 811 CC
4. Jupiter Credit Card Bill Payment Offer
If you are using the Jupiter app, there is a credit card bill payment offer available for you. Use your Jupiter Federal Savings account while making the CC bill payment.
Under this offer, if you pay your credit card bill through Jupiter by 19th January 2026, you will receive 1% cashback in the form of Jewels, up to 1000, equivalent to ₹200.
For example, if your credit card bill amount is ₹10,000, you will earn 1% Jewels, which equals ₹25 worth of Jewels. When converted to INR, this comes to approximately ₹25.
This doesn’t seem like a very attractive offer, but if you have exhausted all the offers, then you can pay your CC bill on Jupiter. In a high-value bill, for example, ₹1,00,000, you can save ₹200. Offer doesn’t seem user-specific, however, you can cross-check it on homepage.
5. SaveSage App ₹50 Cashback (Not Working)
This offer is only for users who have never used the Savesage app before. If you sign up using a referral code, you will get flat ₹50 cashback on a minimum bill payment of ₹500.
The only thing to remember is that the cashback is 5% usable, meaning if your next bill is ₹1,000, you can redeem up to ₹50 (because 5% of ₹1,000 is ₹50). So even if you have a small bill amount, this offer is easy to claim.
Download SaveSage >> Register >> Use referral code >> Make payment >> Earn cashback
6. CheQ App – Earn 1% Chips (Reward Points)
CheQ is another option for credit card bill payments. It gives flat 1% Chips on credit card bill payment transactions. On ₹10,000 bill payment → you get 1% (100) Chips.
These Chips are redeemable on your next bill payment. Maximum redemption allowed is 1000 Chips per transaction. If you regularly pay higher amounts of credit card bills, this can save you a decent amount over time.
See Also: 11 Best UPI Apps for Cashback[Flat 5% Rewards]
7. Get ₹100 Cashback on Paytm
Paytm is running a user-specific offer. You can check it in your “Offers” section. If you make three payments across three specific categories (each payment above ₹200), for example, credit card bill payment, recharge, DTH, or any utility payment, you’ll receive 10,000 gold coins, which is equivalent to ₹100.
Go to Paytm Exclusive offers
8. Payzapp flat ₹11 cash back
PayZapp is an application launched by HDFC Bank that non-HDFC Bank users can use. So if you don’t have any other offer available and your bill amount is small, then PayZapp is a good option. It gives a flat ₹11 cashback on a minimum credit card bill payment of ₹5000. To avail this, just download the PayZapp app and initiate your credit card bill payment from there.
Disclaimer
The cashback and reward offers mentioned are subject to the respective bank’s terms and conditions. These details are provided for informational purposes only and might vary or change without notice. Please verify all the terms directly with your bank before proceeding.
Use the mentioned platforms and debit cards at your own risk. We are not responsible for any discrepancies, changes in offers, or financial losses incurred.
