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5 Best Credit Card Bill Pay Apps in India | Best Cashback Offers

Credit cards are a great option to make payments. With your credit card, you can get discounts and rewards points for every purchase. You can also be rewarded for paying your credit card bills using certain payment applications. 

Here are some top Best Credit Card Bill Pay Apps in India that will reward you with cashback and other offers to pay your credit card bills.

Also Read: How Can I Run A Small Business From Home | Important Facts To Understand!

Best Credit Card Bill Pay Apps in India that Offer Cashback

Table of Contents

  • 1. CRED
  • 2. Amazon
  • 3. Paytm
  • 4. Mobikwik
  • 5. PhonePe

The mobile app and net banking options of the card-issuing banks are two ways you can pay your credit cards bill. It’s quick and easy to settle the bill. If you have multiple cards, however, it can get tedious. You don’t receive any rewards with this method.

Many new payment apps are now available that make it easy to pay your credit cards bills. The convenience of managing and paying all your cards at once, as well as cashback, is available.

Here are some of the best Indian credit card bill payment apps.


Cred is India’s best-rated payment app for credit card bills. Cred coins, which are equivalent to a credit card bill payment, reward you for each bill paid. These coins can then be redeemed for special offers.

You can claim mystery cashback if you have a minimum bill. To get cash rewards, you can spend Rs1000 The initial rewards were great, but now they are drastically reduced. Expect to get very few offers.

PaymentEarn *Upto*
Rs1,000Rs1,000 (5 times/ month)

Cred allows you to connect to your Gmail to autograb credit card statements. But privacy concerns might mean that you’d prefer to not use this feature. Refer friends to get Rs750 cashback.

Cred will require you to have a high credit score in order to register.


  • Pay your credit card bill using UPI or net banking (minimum. Rs10)
  • Mystery cashback on all bill payments
  • Reminders for payments, smart statements, and a free credit score
  • You can pay rent using your credit card

Steps for

  1. Register at Cred and then add your card.
  2. Click on the Cards section. Tap Pay now to get the card.
  3. Enter the amount you wish to pay and then pay with Cred UPI or other popular UPI apps or net banking.
  4. After you have been successful, you will be eligible for the mystery cashback.

Android iOS

2. Amazon

Amazon can be used to pay your credit card bills. Unlike Cred, you don’t get assured cashback. But, you will occasionally receive rewards.

Amazon Pay > Your rewards will allow you to check for credit card bill payments. You will also see the offers in Credit Card Bill section. To pay your credit card bills, you cannot use Amazon Pay balance.


  • Pay your credit card bill through UPI (or net banking) (minimum. Rs100)
  • Sometimes, cashback offers for card bill payment
  • No cost credit score

Steps for

  1. Open the Amazon App on your phone.
  2. Go to Amazon Pay.
  3. You can tap here to access your Credit Card Bill.
  4. If you see any banners promoting offers, please let us know.
  5. Add your card to Amazon Pay UPI and pay the bill using that UPI ID or net banking.

Android iOS

3. Paytm

Paytm is India’s most widely used payment app. It allows you to pay almost all kinds of bills, as well as credit card payments. Although there is no permanent cashback structure, the company currently has a limited-time offer.

The same applies to scratch cards. You can earn up to 15,000 cashback points when you pay Rs5000 or more in bill payments. This means that 1 lakh cashback point = Rs1,000 and you’ll get at least 1,000 points on each card transaction.

These cashback offers can change at any time. You should confirm your payment before you pay. Paytm lets you pay your bills using debit cards.


  • Pay credit card bills via Paytm balance (minimum. Rs1)
  • You may be eligible for occasional rewards when you pay your bill
  • Regular reminders about your bill
  • You can pay rent using your credit card
  • No cost credit score

Steps for

  1. Open Paytm, and then go to Credit Card Bill Pay Page. 
  2. If your card number is not yet added, please enter it. Also, be sure to look out for offer banners.
  3. Enter the amount to be charged and click Proceed.
  4. Pay by the payment method of your choice

Android iOS

4. Mobikwik

Mobikwik app rewards you with Supercash each time you pay your credit-card bill. Supercash can be used to make payments within the app, up to 5% per transaction.

UPI is not available for credit card bills. You can pay them with your debit card. This is great if you are looking to reach certain spending milestones on your card. Mobikwik wallet can be used to pay for purchases. There is a convenience charge of 1.5% + tax.

Mobikwik suffered a massive data leak recently. A few users reported that they were unable to pay their credit cards on time. Make sure you keep this in mind.


  • Payment of credit card bills via debit card or UPI. Minimum balance: Rs1. Rs1)
  • Supercash available on every bill payment

Steps for

  • Open the Mobikwik application.
  • Select All Services and tap Credit Card
  • If not, enter your credit card information.
  • You can enter the amount you want and, if applicable, use a coupon.
  • Pay with UPI, Mobikwik wallets, or debit cards

Android iOS

5. PhonePe

PhonePe offers credit card bill payment options as well. You can get scratch cards worth up to Rs. Paying bills earns you 1000 cashback, just like when you pay other people or make other transactions. It’s easy to use and allows you to pay nearly all credit card bills with UPI.


  • Pay credit card bills via UPI (minimum. Rs1)
  • You can get scratchcards for bill payments
  • You can pay rent using your credit card

Steps for

  1. Open the PhonePe app.
  2. Tap Credit Card Bills under Recharge & Pay Bills.
  3. Enter your mobile number or credit card number.
  4. Simply enter the amount and make payment.

Android iOS

Get Rewarded when you Pay Your Credit Card Bills

These are the best credit card payment apps for India, which offer cashback and rewards when you pay your bills. Cred is still a great option due to its features. Amazon offers occasional deals.

You can check out all of the available apps to see which ones you like and then choose what one to buy. But which one do YOU prefer? Any other apps you would like to suggest? Comment below to let me know.

Chris Evan was born in Quebec and raised in Montreal, except for the time when he moved back to Quebec and attended high school there. He studied History and Literature at the University of Toronto. He began writing after obsessing over books.

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