More and more people are becoming tech-savvy step by step. So, they are shifting from cash to online payments as well. Have you ever well thought that paying your credit card bills can be rewarding to you? Sure, it is possible in today’s technological era, because paying online is far more convenient and rewarding as compared to cash.
The excellent online payment methods for your credit card bills will facilitate you to store all the related information and provide services to pay credit card bills each month. Now it is just a single click to pay a credit card bill and earn cash back and several rewards.
Thus, it is a great decision to shift to apps for paying credit card bills. The best credit card bill payment apps in India in 2023 will provide you with the information that you won’t miss any deadline to pay monthly bills. Taking all of these factors into account we have collected we’ve shortlisted some of the best credit card payment apps for you to get started getting rewards.
Why should you use credit card bill payment apps for paying bills?
These apps help manage your finances and also to improve your credit card score. Plus, you can also keep track of your payments and expenditures as well. These apps are termed credit card payment tracking apps to create a budget, track transactions and much more. Using these credit card applications, you may get a clear picture of your credit card expenditure, discounts, offers and payment reminders. These credit card bill payment apps are also an aid in the preparation of your transaction statements and bills. In addition, they are easy to use and also allow users to download such apps on their tablets and smartphones.
People now are using various apps on their mobiles, and if they get reminders of their payments on time then nothing can be so helpful for them. People can use such budgeting apps with credit card payment features for shopping, bill payments and getting rewards and offers.
Furthermore, it is also important to avoid unnecessary complexities while dealing with monetary terms, these apps are also helpful in such transactions as well. These apps have simplified users’ financial operations and keep an eye on the improvement of your money management practices. Before selecting the best app for credit card payments you must make sure that the app includes features like credit benefits, budgeting, credit card rewards and debt reduction.
Advantages Of Using Online Credit Card Payment Apps
- Contactless and Secure Payments
Online payment apps are opportune for users who do not want to use their credit or debit cards or cash for monetary dealings. Paying through a digital wallet is safe than swiping a credit or debit card. You just need to click on the app for making credit card bills or any other transactions. These mobile credit card payment apps require little to no human interaction, thus, are the safest way to make online transactions.
Moreover, these apps use data encryption to secure users’ personal information. Most of the credit card offers and deals apps proffer an added security layer of entering a fingerprint, code or PIN to approve each transaction.
- Fast and well-organized with Recurring Payment Options
Digital payments are much faster using such online apps than paying in cash or cards. Therefore, making payments using these credit card rewarding apps ensure super-fast transactions and are also not controlled by one’s location or time.
Also, these apps are credit card payment tracking apps, which makes it easier for user to manage their finances.
Online credit card payment apps offer a transparent mode of payment. They store all the minute details of each transaction made by the user, so one need not worry about payment records. All online payments are done via protected payment gateways without any hidden charges.
Let’s have a look at the best online credit card payment apps in India
Cred is one of the best and most popular online credit card bill payment and rewards apps in India. Every time you pay a bill using this app, you will be rewarded with an equal number of Cred coins. Then, you can exchange these coins for further deals.
Moreover, you will get cashback after paying a bill of at least 1,000 INR. You can also connect the Cred app with your Gmail account to download the credit card statements. In the beginning, the platform offers good prizes to attract customers, and then these amounts gradually decrease. Some of the key features of this rewarding credit card bill payment app are:
- You can pay your credit card bill payments using UPI or net banking
- You can also keep track of upcoming bill payments and the history of all registered cards with the app.
- Get instant cashback after making a successful payment.
- This app also offers a feature like “Kill the bill” for more rewards for bill payments.
- Receive constant reminders for payments from this credit card payment reminder app plus a smart statement and a free credit score
One most important things about using Cred as the best credit card bill payment app in India 2023 is that you must have a credit score of 750 or above. Get the app – Cred App
This is the next credit card bill payment app that is much more rewarding to the user. It gives 1% Cheque chips on every payment. You can redeem them from any of your favourite brands or you can also convert them into cash. This is a credit card rewards app as 1 Cheque is equal to 1 rupee. This is easy to use an app to pay multiple credit bills in a single transaction. You will get a dashboard on the home screen of the app where you can see all your transactions and can monitor your credit card score. This app will also give your constant reminders for making your credit card payment. This app is to discover a smarter way to pay credit card bills. It is a 100% secure app for paying your bills. Some of the key features of this credit score monitoring app are:
- The app gives easy repayments and real rewards to the user.
- Get 1% cashback on all of your payments.
- This will enable you to make one payment for all your outstanding bills.
- Get more-in depth credit report of your credit score
- Get constant reminders of payment and never miss the due date.
Get The App – Cheque App
Paytm is India’s most admired online payment app and also one of the best credit card payment gateway apps. Though there is no permanent cashback structure using Paytm, still you can avail yourself of a limited-time campaign offer.
For instance, on paying a credit card bill of INR 5,000 or more, you can earn a scratch card worth up to 1 lakh as a reward point that is equal to INR 1,000. You will get reward points on every card transaction.
Plus, cashback incentives are subject to change timely. So, it is better to cross-check while using the app. You can make payment using a VISA card, master card or a debit card as well. Some of the key features of this secure credit card payment app are:
- The app will be more rewarding if you pay your credit card bill with your Paytm balance, UPI or net banking.
- Get bill reminders and rewards regularly
- Users can also pay rent using this credit card payment processing app.
- Plus point is to generate credit reports for free.
Get the App – Paytm App
Mobikwik is another one of the best credit card bill payment apps to clear credit card bills directly. When you pay your payments by credit card using this app, you get an immediate reward as Supercash. You can use this Supercash to make other payments in the app later and you will get up to a 5 per cent discount on each transaction.
Through this app, you can make payments using UPI or a debit card. This is another of the best feature of this credit card reward app you can meet spending goals with your debit card. It will be a win-win situation for a user to make payments and to make use of debit card spending. This app also has a wallet that you can fill in and when you make use of a Mobikwik wallet for making credit card payments you need to pay a 1.5 per cent convenience fee plus GST.
There is a little drawback of this credit card payment gateway app it had a massive data violation. Due to this, some people have complained about late credit card payments via Mobikwik. Have a glance at the key features of the app:
- Users can pay credit card bills using a debit card, UPI, or Mobikwik wallet balance.
- Every time you pay a bill via Mobikwik, you’ll get Supercash as a reward.
5. Phone pe
Phonepe is a budgeting app with a credit card payment feature. This app offers the best cashback while making payments. Users get scratch cards as a prize using Phonepe. With this scratch card, you will get mystery cashback or other bonus coupons for shopping for brands. This scratch card prize feature will be enabled once you pay the credit card bill using Phonepe. It is the greatest application for UPI payments in comparison to other UPI apps. Another feature is that you can also make this credit card bill payment app using UPI or a debit card. Key features of the Phonepe app include:
- Make your credit card bill payments using UPI which is a secure method for online payment.
- Get scratchcards rewards each time you use this app to pay your bills.
- You can also pay your rent using this credit card reward app.
6. Amazon Pay
Amazon Pay is an excellent credit card payment reminder app that uses your saved account information in your Amazon accounts to optimise checkout. This is a secure app to use that also helps to enhance consumer trust. As it improves the checkout experience by leveraging security and protection from any fraud activity. Moreover, it is simple to use for which there are special thanks to a simple incorporation process, built-in support, and ongoing optimization. For its checkout process feature, Amazon is converting more and more customers to make credit card bill payments using Amazon Pay.
It is the simplest mobile credit card bill payment app as well. Along with your credit card bill payment, you can also do the shopping and pay for mobile and other utility services. There is no guaranteed cashback using this app. Rather, you will get amazon shopping vouchers occasionally as a prize. At the time of paying a credit card bill, you can also go to the reward section of Amazon Pay to see if there are any deals on credit card bill payments. You can also see such offers in the area under credit card bills. Here are the brief key features of the Amazon Pay app:
- Pay credit card bills using UPI or net banking.
- Pay your credit card bill a minimum of INR 100 only.
- Get shopping coupons or cashback deals occasionally while making credit card bill payments.
- Get your credit report for free using the Amazon Pay app.
7. Lazy Pay
It is an innovative payment service app that is also considered the credit card payment calculator app. This app has been built to provide an easy credit card payment option for users with the detailing of their day-to-day purchases and transactions. Users can also use Lazy pay to scan and pay for shopping through diverse apps.
Here is one more plus point of the LazyPay app is that it also offers personal loans to those seeking quick and instantaneous credit. You can also borrow money from your credit card using this app. You need to pay the interest only on the amount you borrow from your credit card. This feature makes it more convenient to meet your immediate financial expenses. Getting loan amounts may vary from Rs.10,000 to Rs.1 lakh using this credit card balance transfer app.
Additionally, you will also get INR 500 cashback on your very first transaction with the credit card payment plus up to 5% cash back on each payment. Here is a referral reward also if you refer the app to your known. Some of the key features of the Lazy pay app are as follows:
- Gain flexible repayment tenures that range from 3 months to 24 months.
- No deposit is required for using these credit card offers and deals apps.
- You can avail of borrowing from a credit card and just pay interest only for the amount you use.
8. BHIM (Bharat Interface for Money)
It is again a UPI payment application that is launched by and managed under the National Payments Corporation of India. It is a worthwhile app to manage credit card transactions and to get payment reminders as well. Plus BHIM app is specially designed to suit the needs of Indian demography and credit card owners. That is why it is the best credit card bill payment app in India in 2023. Some key features of the BHIM app are:
- Get continuous reminders for credit card payments so you never miss a payment.
- Get instant rewards after payment is made.
- Use the BHIM app for making online payments at your favourite shopping sites and apps.
9. Google Pay
Google Pay is one of the finest credit card monitoring apps in India. This app has considered the highest installation count for online payments. This is because of the number of facilities offered and the user-friendly interface provided by the Google pay app.
The most attractive feature of the app is that it allows you to execute transactions nonstop from your primary bank account without maintaining any separate wallet for this. Besides, credit card bill payments you can also pay your utility bills, recharge your mobile phone and also transfer money easily to anyone including merchants, service providers or any third party. Its key features include:
- Get rewards in terms of coupons and cashback with almost every transaction.
- Get bill reminders plus a credit card balance transfer facility.
- Make frequent transactions using your bank account, this is a fantastic feature for many users.
How Does An Online Payment App Work?
- To access an online credit card bill payment app, first, you need to connect your bank account or debit card to the app with the required details.
- After a successful connection of your bank account with the app, you will get a UPI (Unified payment interface) ID, which acts as an address for your bank account linked with the payment app. In the same way, you will also get a receipt with a valid bank account connected to the credit card bill payment apps.
- You can use these apps to transfer funds either directly to the UPI ID specified by the recipient or by scanning the QR code to access their UPI address.
- Next, to transfer funds you will get an OTP at your registered mobile number. This One-Time Password (OTP) works as proof of your account ownership. The payment app verifies the OTP and then initiates the transaction of fund transfer from your bank account.
Final Verdict On The Best Credit Card Bill Payment App In India 2023
The above-mentioned are the best credit card bill payment apps in India 2023 they are rewarded with cashback, shopping offers, coupons and other prizes. Considering all the apps Cred seems to be an appealing option due to the best features. Then comes the Amazon Pay app with its occasional deal and offers.
However, it is best to look at all of the available applications along with their offers before selecting the best one to use.
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