Paying your credit card bill on time is essential to maintain a good credit score, avoid late payment charges, and stay financially disciplined. But what if you could actually earn rewards while paying your credit card bill? That’s where credit card bill payment apps come in. Over the past few years, several fintech apps in India have started offering cashback, reward points, vouchers, and exclusive offers when you pay your credit card bill through them.
Apps with Best Reward for Paying the Credit Card Bill in India?
In this blog, we will explore the best apps in India to pay credit card bills, compare their reward systems, and help you decide which one suits your needs the most.
Why Use Apps for Credit Card Bill Payments?
Before we list the top apps, let’s understand why these platforms are becoming popular:
- Earn Rewards: Get cashback, points, or vouchers for simply paying your bill.
- Convenience: All major credit cards and banks are supported.
- Reminders: Timely notifications help you avoid late fees.
- Security: Most apps are RBI-compliant and use secure payment gateways.
Best Apps for Credit Card Bill Payment in India
1. Cred – Rewards on Every Payment
CRED has become one of the most popular platforms in India for paying credit card bills. It allows users with a CIBIL score of 750 and above to join.
Rewards:
- Cred Coins for every bill payment
- Coins can be redeemed for discounts, vouchers, or jackpot deals
- Cred Store offers luxury products and experiences at discounted rates
- Cred Cash – instant credit line at competitive interest rates
Pros:
- User-friendly interface
- Premium rewards
- Free credit score check
Cons:
- Rewards value may feel inconsistent
- Only available for users with a good credit score
👉 Best For: People who want premium lifestyle rewards and discounts. Download for ANDROID & IOS
2. Paytm – Cashback & Vouchers
Focus Keyword: Paytm credit card bill cashback
PAYTM is not just a digital wallet but also a reliable app for paying credit card bills. It frequently offers cashback deals and scratch cards.
Rewards:
- Cashback offers on selected credit card payments
- Scratch cards with random rewards
- Paytm First Points (loyalty program)
- Cashback wallet usable for bill payments, recharge, or shopping
Pros:
- Wide acceptance
- Regular cashback deals
- Multiple payment options
Cons:
- Cashback is not guaranteed every time
- Rewards are usually small
👉 Best For: Users who want small but frequent cashback rewards. Download ANDROID & IOS
3. Amazon Pay – Pay & Earn Rewards
AMAZON PAY is integrated within the Amazon shopping app and supports most major credit cards in India.
Rewards:
- Cashback on selected card payments
- Amazon Pay balance rewards
- Vouchers and coupons redeemable on Amazon or partner platforms
Pros:
- Simple and secure
- Rewards can be used directly for Amazon purchases
- Great for regular Amazon shoppers
Cons:
- Cashback is limited to certain offers
- Not as diverse in rewards as Cred
👉 Best For: Amazon Prime and regular Amazon shoppers. Download ANDROID & IOS
4. PhonePe – Cashback & Offers
PHONEPE has quickly become one of the leading UPI-based apps in India. It allows you to pay multiple bank credit cards directly.
Rewards:
- Scratch cards with cashback offers
- Discounts on partner platforms
- Periodic promotions during festivals
Pros:
- UPI-based simple process
- Easy integration with bank accounts
- Frequent offers during sale seasons
Cons:
- Cashback is luck-based via scratch cards
- Lower rewards compared to Cred
👉 Best For: UPI users who want hassle-free transactions with occasional cashback. Download ANDROID & IOS
5. Google Pay (GPay) – Scratch Cards & Rewards
GOOGLE PAY is another popular UPI-based app that allows you to pay your credit card bills securely.
Rewards:
- Scratch cards with cashback (directly credited to bank account)
- Offers during festive sales and tie-ups
- Reward programs with brands like Flipkart, Myntra, and Zomato
Pros:
- Cash directly credited to bank account
- Simple and secure
- Popular and widely accepted
Cons:
- Cashback depends on scratch card luck
- Limited high-value rewards
👉 Best For: Users who prefer direct cashback into their bank accounts. Download ANDROID & IOS
6. MobiKwik – SuperCash & Cashback Offers
MobiKwik offers SuperCash and cashback rewards for credit card bill payments.
Rewards:
- SuperCash (redeemable for future payments)
- Flat cashback offers on selected card payments
- Discounts on recharge, utility bills, and shopping
Pros:
- Wide range of offers
- Easy redemption of SuperCash
- Occasional flat cashback
Cons:
- SuperCash has restrictions on usage
- Smaller rewards compared to Cred
👉 Best For: Budget-conscious users looking for cashback on multiple utilities. Download ANDROID & IOS
Comparison Table: Best Reward Apps for Credit Card Bill Payment
| App | Reward Type | Best For | Limitations |
|---|---|---|---|
| Cred | Cred Coins, Vouchers | Premium users, luxury rewards | Only for CIBIL 750+ |
| Paytm | Cashback, Scratch Card | Frequent small rewards | Not guaranteed |
| Amazon Pay | Cashback, Vouchers | Amazon shoppers | Limited offers |
| PhonePe | Scratch Card Cashback | UPI-based quick payments | Luck-based rewards |
| Google Pay | Cashback to Bank | Users who want instant bank credit | Scratch card limits |
| MobiKwik | SuperCash, Cashback | Budget users, frequent utility payments | Restricted usage |
Which App Gives the Best Reward for Paying Credit Card Bills?
- If you want premium lifestyle rewards, go for Cred.
- If you are looking for cashback on daily payments, Paytm or Google Pay works best.
- For Amazon loyalists, Amazon Pay is unbeatable.
- If you prefer UPI and simplicity, PhonePe is the right choice.
- For budget-friendly cashback lovers, MobiKwik is a strong option.
Final Verdict
The best app for credit card bill payment rewards in India depends on your lifestyle and spending habits. If you enjoy premium experiences, Cred is the clear winner. If you prefer cashback directly in your bank account, Google Pay and Paytm are excellent choices. For those who shop heavily on Amazon, Amazon Pay adds extra value.
👉 Pro Tip: Use more than one app depending on ongoing offers to maximize your rewards.
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