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Managing credit card payments can sometimes be a bit of a hassle, but thanks to credit card payment apps, it’s easier than ever to keep track of your finances. These apps give you a quick, secure, and simple way to pay your bills, monitor your spending, and even earn rewards. In this blog, we’ll explore the benefits of using these apps, how they work, and the top apps you can use to make managing your credit card payments effortless.

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Why Use Credit Card Payment Apps?

1. Convenience: You can manage all your payments—credit card bills, utility bills, and recharges all in one app, and access it anytime, anywhere.

2. Security: These apps use features like encryption, two-factor authentication, and fingerprint scanning to keep your financial information safe.

3. Timely Payments: You can set reminders to make sure you never miss a payment, saving you from late fees, interest charges, and damage to your credit score.

4. Rewards & Cashback: Many apps offer cashback, discounts, and rewards for making payments, which helps you save money over time.

5. Instant Payments: You can pay off your credit card bill right away to avoid interest charges and late fees.

6. Multiple Payment Options: Choose from UPI, wallets, net banking, or even EMIs to pay in a way that suits you best.

7. Track Spending: These apps give you insights into your spending, help you categorize expenses, and keep you on budget.

8. Seamless Bank Integration: Link all your bank accounts and credit cards to manage everything from one place.

9. Easy Bill Payments: You can pay bills like electricity, water, broadband, DTH, and more—all in one app.

10. Flexible Payment Terms: Some apps offer options to pay in installments or defer payments, making it easier to manage your finances.

10 Best Credit Card Payment Apps

1. CRED

CRED

CRED is one of the most popular credit card payment apps in India, trusted by over 1.4 crore users. It helps you manage and pay credit card bills, utility bills, rent, mobile recharges, and more — all in one place. You can pay using UPI or credit cards, both online (like on Swiggy or Myntra via CRED Pay) and offline by scanning QR codes or using Tap to Pay.

CRED rewards you for timely payments and offers features like credit score tracking, hidden charge alerts, smart statements, and exclusive deals through CRED Store and CRED Escapes. You can also send money, set UPI AutoPay, and even get pre-approved personal loans via CRED Cash.

2. CheQ

cheq

CheQ is one of India’s most rewarding platforms for credit card bill payments, trusted by over 30 lakh users. It allows you to pay your credit card bills instantly—in just 2 minutes—and gives you 1% CheQ Chips as a reward on every payment. These Chips can be used for bill discounts or exchanged for vouchers from brands like Amazon, Flipkart, and Myntra.

If you’re exploring reliable apps for credit card payment, CheQ stands out with its secure, certified transactions and smart features. It sends automatic reminders so you never miss a due date. You can also pay utility bills like electricity, water, insurance, FASTag, mobile, broadband, and LPG using your credit card—often at the lowest fees. Plus, CheQ lets you pay house rent, office rent, security deposits, society charges, and even school or college fees through your credit card.

3. Paytm

Paytm

Paytm is India’s No.1 payment app, trusted by over 45 crore users. It lets you send money using BHIM UPI, even to people who don’t use Paytm, just by using their mobile number. You can also check your bank balance, scan any QR code, and make payments at shops, petrol pumps, restaurants, and more. Backed by top banks like Axis, HDFC, SBI, and Yes Bank, Paytm offers safe and fast UPI payments, including super quick UPI Lite payments of up to ₹4000 per day without needing a PIN.

If you’re looking for apps to pay credit card bills, Paytm supports RuPay credit card payments via UPI, so you can make contactless payments without CVV or OTP and still earn cashback and rewards. It also makes it easy to pay for mobile recharges, DTH, electricity, water, broadband, EMIs, FASTag, and more. Plus, you can shop for groceries, food, and daily essentials directly through Paytm ONDC — all in one app.

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4. MobiKwik

MobiKwik is a handy payment app that offers many useful financial services like bill payments, instant credit card settlements, personal loans up to ₹2 lakhs, and even investment options like mutual funds, FDs, P2P lending, and digital gold. One of its coolest features is Pocket UPI, which lets you do UPI payments without linking your bank account. You can add up to ₹2 lakhs in your wallet and make payments up to ₹1 lakh per day using UPI, QR codes, mobile numbers, or UPI IDs — no PIN needed, thanks to biometric security.

It supports RuPay credit card payments via UPI and works with top stores like Reliance Fresh, Croma, and Apollo Pharmacy. You can also recharge mobiles and DTH, pay electricity, broadband, LPG, FASTag, and property tax bills — all in one place. Plus, you get a free monthly credit score check with detailed reports from CRIF making it one of the reliable apps for credit card bill payment

5. PhonePe

PhonePe

PhonePe is an all-in-one digital payments app trusted by millions across India. Whether you want to send money, recharge your phone, pay electricity or water bills, or shop online and offline—PhonePe makes it super easy. You can use UPI, credit/debit cards, or wallet to make fast and secure payments at stores and on popular apps like Amazon, Flipkart, Swiggy, and more.

PhonePe lets you pay your credit card bills quickly and safely making it a trusted credit card bill payment app. Plus, it offers insurance for health, life, car, bike, and travel with simple comparisons and easy renewals. You can even invest in mutual funds or buy gift cards that work at over 1 lakh stores.

6. Amazon Pay

Amazon Pay

The Amazon app is more than just a shopping platform—it’s also a smart way to manage payments. You can buy everything from phones and clothes to groceries and home items, all at great prices. Through Amazon Pay, you can easily pay your bills, book flights, and send money with secure UPI and wallet options. It also supports credit card payments, making it one of the best apps to pay credit card bills while earning rewards and cashback. With fast delivery, live order tracking, safe payment methods, and easy returns, Amazon gives you a smooth and reliable experience every time you shop or pay.

7. LazyPay

LazyPay

LazyPay is an easy and quick way to get instant credit for your everyday spending. You get a free credit limit of up to ₹10,000 that you can use at over 45,000 online stores like Swiggy, Zomato, Myntra, and Zepto. With its PayLater feature, you can shop with just one tap—no OTP, CVV, or PIN—and repay your bill every 15 days, without any interest or hidden fees. If you complete a quick KYC, your credit limit can go up to ₹5 lakhs, and you get up to 30 days to repay, with EMI options if needed.

For select users, LazyPay also allows utility bill payments like electricity, gas, water, mobile, DTH, and FASTag using your credit limit. You can even buy Gift Cards from over 200 popular brands like Amazon and Flipkart at discounts of up to 30%. If you’re looking for flexible credit and one of the best apps for credit card payment, LazyPay is a great choice.

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8. BharatNXT

BharatNXT

BharatNXT is a trusted app made to simplify payments for individuals and small business owners. With over 3 million downloads and a 4.5+ rating, it’s becoming one of the best credit card payment apps in India. It lets you use your credit card to pay for almost anything—like vendor payments, rent, education fees, utility bills, insurance, and more, just by entering the payee’s bank details. You get up to 50 days of interest-free credit and up to 3% cashback, which helps you manage your expenses better.

Whether it’s a business owner like Manoj using it to handle rent and vendor payments, or someone paying school fees or broadband bills, BharatNXT makes it easy. You can also pay your credit card bills for banks like HDFC, SBI, Axis, and Kotak, and explore 100+ credit card options from 50+ banks with benefits like cashback, reward points, or lounge access.

9. Google Pay

Google Pay

Google Pay is a go-to payments app for millions of Indians. It makes everyday tasks like sending money, paying bills, recharging your phone, and scanning QR codes super easy. All you need is your mobile number linked to your bank account, and you can start using UPI in seconds. You can also use it to pay for electricity, DTH, broadband, LPG, and FASTag bills.

Looking for the best credit card bill payment app? Google Pay has you covered there too. You can link your credit card for secure online and contactless offline payments. With strong security like UPI PIN, device lock, and fingerprint protection, every transaction is safe and smooth. Whether you’re shopping, booking tickets, or just splitting bills with friends, Google Pay keeps everything simple and secure.

10. PayZapp

PayZapp

PayZapp is a digital payment app by HDFC Bank that works for both HDFC and non-HDFC Bank customers. Whether you have an HDFC account or not, you can use the app for various transactions, including credit card payments. It’s available on both Android and iOS, and you can easily register using your mobile number. HDFC Bank customers can start using it right away, while non-HDFC users just need to complete a simple KYC process to unlock all the features. If you’re looking for a reliable credit card bill payment app India, PayZapp makes it easy to manage and pay your credit card bills with just a few taps.

How to Make a Payment Using Credit Card Payment Apps

1. Download & Set Up the App

  • First, download the app (like CRED, Paytm, or Google Pay) from the app store.
  • Register or log in using your mobile number.
  • Link your credit card by entering your card details.

2. Select Payment Option

Go to the “Credit Card Payment” or “Pay Bills” section in the app.

3. Choose Your Credit Card

  • If you have multiple cards linked, pick the one you want to pay.
  • Check the bill amount, due date, and any extra charges.

4. Enter Payment Amount

Decide whether you want to pay the full bill, the minimum amount, or a custom amount.

5. Select Payment Method

Pick a payment method like UPI, debit/credit card, wallet balance, or net banking.

6. Confirm Payment

Review the payment details and enter security information like your UPI PIN or OTP.

7. Complete Transaction

  • Confirm everything, and the app will process your payment.
  • You’ll get a confirmation message and receipt.

8. Track Payment

You can check the payment status in the app’s payment history section.

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Conclusion

Credit card payment apps have changed the way we manage our finances, making it easier, safer, and faster to pay bills and keep track of spending. Whether you want to avoid late fees, earn rewards, or just make your payments simpler, these apps offer plenty of benefits to help you manage your credit card payments with ease.

FAQs

Which app is best to pay credit card bills?

CRED, Paytm, and Google Pay are among the best apps to pay credit card bills.

What pay app can you use a credit card?

Paytm, Google Pay, PhonePe, and CRED allow you to use a credit card for payments.

Which UPI app allows credit cards?

Google Pay and PhonePe allow credit card payments via UPI.

Mansi Rana
Professional Experience. Mansi joined EarnKaro in 2022 as a Content Analyst. With over three years of experience, she is a seasoned content writer specializing in niches such as affiliate marketing. Educational Background. A Journalism and Mass Communication graduate from Amity University, Mansi channels her passion towards empowering aspiring micro-influencers through the power of affiliate marketing. More About Her. She indulges in her passion for beauty and fashion in her spare time, immersing herself in extensive research and staying up-to-date with the latest trends and innovations.

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