7 Best Credit Card Bill Payment Apps For Cashback & Rewards

author Sameer Content Writer

Credit cards are powerful financial instruments that come with a host of benefits and features. However, they need to be used with some amount of caution. 

Paying credit card bills on time is the most basic thing to avoid additional charges. If you have just started using a credit card and wondering which is the best app for credit card bill payment, then this article is precisely for you.

While paying credit card bills, the time taken for settlement & rewards are the two most important factors. 

Based on both factors, I have compiled a list of the best credit card bill payment apps. With the apps, you can avoid late fees and unlock many exciting rewards for your bill payment. 

So scroll down to learn more about these apps and start earning rewards and cashbacks on credit card bill payments. 


Top 7 Credit Card Bill Payment Apps

Here are the best credit card bill payment apps. Pay your credit card bills with these apps for fast settlement and exciting rewards. 

Credit Card Bill Payment Apps



Amazon Pay








Bajaj Finserv 




1. Cred 


The cred app was initially designed only for credit card users. However, the app has expanded to other categories over the last few years. However, it is still known primarily known as a credit card bill payment app. 

On your first credit card bill payment, you can earn up to Rs. 250 cashback. The cashback is credited as a Cred balance which is 100% redeemable on subsequent transactions. 

You also earn Cred coins for every transaction that can be redeemed for different rewards. Cred also has a fantastic referral program in place to reward users. 


  • Up to Rs. 1000 cashback on every credit card bill payment.

  • Guaranteed Cred Coins on every transaction 


  • Limited usage of Cred coins

2. Amazon Pay 

Amazon Pay 

Amazon introduced the Credit card bill payment feature in its efforts to expand its payments arm. You can pay credit card bills for all leading banks on Amazon pay. Amazon Rewards users with surprise rewards on every bill payment. 

You can pay credit card bills using UPI or debit cards. There is no option to use Amazon Pay balance for credit card bill payment which is a downside. 


  • Surprise reward on every transaction 


  • No option to use Pay balance for credit card bill payment 

3. Paytm 


Paytm is one of the leading digital wallets. It allows users to pay credit card bills using their wallet, UPI, or debit card. While paying credit card bills on Paytm, cashback rewards are a major attraction. You can use different promo codes for credit card bill payments on Paytm and earn up to Rs. 1000 cashback. 

Paytm rewards users with a scratch card on every transaction that can include cashback or discount vouchers for merchant sites. However, some of the promo codes on Paytm are user-specific. But you are guaranteed to unlock a scratch card with cashback on reward points on every transaction. 

Paytm also rewards users with cashback points which can be further redeemed for Paytm cash or discount vouchers. 


  • Pay using the wallet, UPI, or Debit card

  • Assured rewards on every transaction 


  • User-specific offers

4. Mobikwik 


Mobikwik is one of the leading digital wallets which supports all types of utility payments. The long list of utility payments available on Mobikwik includes credit card bill payments. You can pay the credit card bills of all leading banks. 

You need to apply a coupon code on your transaction to earn supercash or cashback. You can also use Mobikwik wallet money to pay credit card bills. However, a convenience fee will be charged for credit card bill payments via Mobikwik Wallet. 


  • Pay using Mobikwik wallet, UPI, or Debit card

  • Earn Supercoins on every transaction 


  • Processing fees on wallet payment 

5. Freecharge 


Freecharge recently introduced the credit card bill payment feature. The app supports all leading banks for credit card bill payments. You can pay bills using UPI or a debit card. However, it is important to know that you can’t use wallet money or cashback for credit card bill payments. 

Freecharge also rewards users with a surprise scratch card with cashback on all transactions. 


  • Up to Rs. 1000 Cashback 


  • Slighly long processing time

6. Bajaj Finserv App

Bajaj Finserv App

In recent times, the popularity of Bajaj Finserv has skyrocketed because of the attractive cashback rewards. Also, the app is making many new features available to users. Recently, they introduced a credit card bill payment feature. To start with, this feature was available for select banks only, but it has been made available for all leading banks. 

For every transaction, you earn a scratch card with surprise cashback. You can claim the scratch card from the rewards section of the app. The money in your Bajaj Finserv wallet is not usable for credit card bill payments. 


  • Assured Cashback on every transaction 


  • Slightly long processing time

7. PhonePe


PhonePe is one of the best credit card bill payment apps with benefits such as instant settlement and surprise rewards. The option to pay credit card bills is available on the homepage of the app, and you can make payments for all leading banks.

You earn a scratch card with surprise rewards on the app. The cashback will be credited to your PhonePe wallet. You can pay your credit card bill using UPI or a debit card. 


  • One of the fastest processing time 


  • Rewards are not very lucrative

Which is the No.1 App For Credit Card Bill Payment?

Based on my experience of using all the apps, Cred is the No.1 app for credit card bill payments. You get the fastest settlement with Cred. Also, they have many exciting rewards. You get assured cashback on every bill payment of Rs. 1,000 & more. Furthermore, the cashback is credited to your Cred Balance which is 100% redeemable. 

You also earn assured Cred Coins on every credit card payment. The cred coins can also be redeemed for different rewards and purchases from the Cred Store. 


How to Pay Credit Card Bills Using Other Apps?

For credit card bill payments using any 3rd party app, you only need to enter the 16-digit credit card number. After entering the card number, enter the amount to pay and proceed to choose a payment mode. You can opt to pay the full amount, the minimum due amount or any amount of your choice.

  • Open the credit card bill payment app

  • Select the credit card bill payment option

  • Enter the 16-digit card number

  • Enter the amount to pay

  • Proceed to payment

  • Choose a payment mode  


So that’s all about the credit card bill payment apps in India. Alongside instant settlement of dues, you can expect rewards on every transaction. These apps come with up many exciting offers to make your bill payment more rewarding. If you have used any of the apps for credit card payment, then you can share your experience in the comments section below. 

Frequently Asked Questions 

Q1. Which is the best app for paying credit card bill?

A1. I think cred is one of the best apps for paying credit card bills. Alongside Cred, I think Paytm, Amazon Pay, and Mobikwik are among the best apps to pay credit card bills.

Q2. Which app gives cashback on bill payment?

A2. Cred, Amazon Pay, Bajaj Finserv, and Mobikwik are some of the apps that give cashback on bill payments. 

Q3. How do I pay my credit card bill through the app?

A3. You need to enter your 16-digit credit card number, and the amount to be paid for the bill and choose a payment mode for the transaction. 

About Author



Content Writer

I’m an engineer that accidentally fell in love with words. I write about things that I like and things that I don’t, mainly in the online shopping sphere.

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