Managing credit card bills can often feel like a chore, between tracking due dates, remembering payments, and trying to earn some rewards, it’s easy to get overwhelmed. But with the rise of smart payment apps, handling your credit cards has become much simpler and more rewarding.
Today, there are apps that let you pay your bills in seconds, earn cashback, track expenses, and even use your credit card for things like rent or online shopping. Whether you’re looking for convenience, rewards, or better control over your spending, there’s an app for that.
In this blog, we’ll explore the top credit card payment apps from trusted names like Google Pay and Paytm to newer platforms like CheQ so you can find the one that fits your needs best.
Qualities to Consider in Credit Card Payment Apps
Choosing the right app goes beyond brand names. Before downloading one, make sure to check the following:
- Fast Bill Payments: Instant credit card bill settlement and bank account linking
- Wide Compatibility: Works with Visa, Mastercard, Rupay, AMEX, and international cards
- Reward Systems: Cashback, coins, or loyalty points on every transaction
- Security Measures: 256-bit encryption, OTPs, biometric login, PCI-DSS compliance
- Low or No Fees: Minimal transaction or convenience fees, especially for UPI/card-to-bank transfers
- Extra Features: Credit score tracking, EMI planning, reminders, and rent payments
List of Top 15 Apps to Pay Credit Card Bills
1. CRED
Website: https://cred.club/
CRED has carved out a unique space in the Indian fintech ecosystem by turning something as mundane as paying your credit card bill into a rewards-rich experience. With over 10 million downloads and a loyal user base, CRED lets you pay your credit card bills and rewards you with “CRED coins,” which can be redeemed for vouchers, product discounts, and exclusive offers. The app supports nearly all Indian credit card providers and integrates your card data to track spend trends, upcoming dues, and hidden charges. CRED has also introduced new services such as credit score tracking, instant loans, and CRED RentPay, which lets you pay rent using your credit card for reward maximization.
It is known for its minimalist design, clean interface, and top-tier data security. Whether you hold one card or five, CRED helps you stay on top of your payments without any clutter.
Key Features:
- Supports all major Indian credit cards including HDFC, SBI, ICICI, Axis, and AMEX
- Earns CRED coins and cashback on every timely payment
- Credit score monitoring via CRIF and Experian
- Alerts for due dates, over-limit spend, and hidden charges
- Offers credit line access and zero-interest EMIs
Best For:
- Users who want a clean, gamified experience with rewards for paying bills on time.
2. Paytm
Website: https://paytm.com/
Originally launched as a digital wallet, Paytm has evolved into one of India’s most comprehensive fintech platforms. Apart from recharges and shopping, Paytm now allows users to pay their credit card bills directly from their wallet, linked bank account, or UPI. You can even send money from your credit card to a bank account using their Wallet-to-Bank feature, though this may incur a small convenience fee. With millions of active users, Paytm makes managing multiple cards easier by providing a unified dashboard, timely reminders, and bill history tracking.
What makes it stand out is the integration with its loan, insurance, and investment ecosystem, ideal for users who want more from one single app. It’s also one of the few apps to offer full-stack services, including rent payments via credit card.
Key Features:
- Instant credit card bill payments across all major Indian banks
- Send money from credit card to bank using Wallet-to-Bank
- Set payment reminders and view transaction history
- Cashback offers, scratch cards, and coupons on select billers
- Supports rent, education, and utility payments via card
Best For:
- Users who already rely on Paytm and want to consolidate their bill payments in one place.
3. Google Pay
Website: https://pay.google.com
Google Pay provides a dependable, ad-free, and smooth mobile payment system. It continues to support credit card bill payments through UPI and linked bank accounts. Unlike rewards-heavy apps, Google Pay focuses on fast transactions, clean UI, and bank-grade security features like biometric login and fraud detection. It supports most major credit card issuers like HDFC, SBI, ICICI, and Axis via your connected savings account, enabling you to settle dues instantly. It is also increasingly being adopted as one of the trusted eCommerce payment gateways, making it easier for users to complete online purchases securely.
Another advantage is its tight integration with your Google ecosystem, reminders from Gmail, calendar sync for due dates, and personalized insights based on your transactions. It doesn’t offer much in terms of cashback but is unbeatable for speed and reliability.
Key Features:
- Quick credit card payments via UPI and bank linking
- Clean, intuitive interface with no ad clutter
- Google Calendar integration for due date reminders
- Uses Google’s security stack including 2FA and biometric login
- Low failure rate and fast processing during peak hours
Best For:
- Users who prefer simplicity, speed, and deep Android integration without distractions.
4. PhonePe
Website: https://www.phonepe.com
PhonePe has emerged as one of the top UPI apps in India, but its capabilities go well beyond money transfers. As one of the leading credit card payment apps, PhonePe allows users to pay credit card bills directly, link multiple cards, and use UPI-to-card payments for services like rent or business transactions. It supports credit card bills from most Indian banks, and the app constantly updates you with reminders, offers, and cashback through scratch cards.
PhonePe also has merchant services, QR-based transactions, and offline payment support, making it a solid all-in-one platform. It’s particularly useful if you want to pay using your credit card in situations where UPI is usually required, as it supports linking cards with wallets and even some peer-to-peer transactions.
Key Features:
- Real-time credit card bill payments with alerts and reminders
- Scratch card-based cashback on select payments
- Accepts multiple credit cards and bank accounts
- Integrated with insurance, investments, and digital gold
- Secure transactions with PIN and biometric login
Best For:
- Users looking for an all-in-one payment platform with added UPI flexibility for credit card use.
5. CheQ
Website: https://www.cheq.one
CheQ is a relatively new but fast-growing fintech platform designed for those who want a clean, focused app purely for managing and paying off multiple credit cards. It brings together all your credit card accounts under one dashboard, lets you track usage, due dates, and pay each card bill separately or in one go. Every time you pay, you earn “CheQ Chips,” which can be redeemed for cashback, vouchers, and more.
The app’s most praised feature is its intuitive layout that minimizes clutter while offering powerful financial tools like smart reminders, credit usage trends, and payment planning. If you’re juggling more than one card, CheQ gives you the clarity and rewards you’ve been looking for.
Key Features:
- Consolidates all credit cards in one dashboard
- CheQ Chips as reward currency redeemable for perks
- Tracks due dates, payment history, and credit usage
- Auto-pay and advance payment scheduling options
- Credit score tracking and push notifications
Best For:
- Users managing multiple cards who want centralized tracking with gamified rewards.
6. LazyPay
Website: https://www.lazypay.in
LazyPay is not just a bill payment app, it’s a full-fledged Buy Now, Pay Later (BNPL) platform that offers credit for purchases and allows seamless credit card bill management. It offers a unique postpaid feature where users can buy now and pay at the end of the month, making it ideal for short-term borrowing without interest. For those looking to settle bills quickly without using their actual credit line or balance, LazyPay also provides personal loans and EMI-based repayment plans, making it one of the preferred loan apps for students who need flexible credit options without heavy paperwork.
The app integrates well with major shopping sites, travel portals, and food delivery platforms. You can also use LazyPay’s UPI-based credit to pay select bills and services. With real-time bill tracking, credit limit notifications, and minimal documentation, LazyPay is a top choice for credit convenience.
Key Features:
- Postpaid credit for shopping, bills, and subscriptions
- Personal loan disbursal up to ₹1 lakh within minutes
- EMI conversion options for purchases or bill payments
- Credit usage alerts and payment due reminders
- Works across major partner platforms (Zomato, Swiggy, etc.)
Best For:
- Users looking for flexible credit and delayed payment options with minimal hassle.
7. Monzo – Mobile Banking
Website: https://monzo.com
Monzo is a UK-based neobank offering a modern digital banking experience that appeals to global users, especially those managing finances across countries. Although Monzo is not India-focused, it’s gaining popularity among international freelancers, remote workers, and expats for its intuitive interface, real-time transaction alerts, and support for multiple currencies.
The Monzo app also lets users track subscriptions, schedule payments, and set spending budgets with ease. It integrates seamlessly with Apple Pay and Google Pay and offers instant notifications for every card use, which makes it a smart tool for managing credit card payments abroad.
Key Features:
- Real-time spending alerts and insights
- Fee-free international spending
- Smart budgeting and bill tracking tools
- Overdraft and loan features for UK residents
Best For:
- Freelancers and digital nomads who manage cross-border payments.
8. BharatNXT
Website: https://www.bharatnxt.in
BharatNXT is a B2B-focused payment platform that allows users, especially SMEs and entrepreneurs, to pay business expenses using their credit cards. This includes rent, vendor invoices, GST payments, and other expenses that traditionally don’t accept credit cards. Positioned as a powerful expense management software, it’s one of the few platforms in India enabling card-to-bank transfers for business payments with instant settlements.
The app is ideal for maximizing your credit card limits for working capital and offers complete tracking of past transactions, limits, and due dates. With support for AMEX, Visa, Mastercard, and Rupay, BharatNXT enables financial flexibility for entrepreneurs who want to unlock credit-based liquidity without going through loan formalities.
Key Features:
- Pay rent, GST, suppliers, and utilities via credit card
- Supports all major credit networks including AMEX
- Instant settlements to bank accounts
- Tax-friendly receipts and digital records
- Cashback and point earning on B2B payments
Best For:
- Entrepreneurs, startups, and small businesses looking to leverage credit cards for operations.
9. Fibe (formerly EarlySalary)
Website: https://www.fibe.in
Fibe is more than just a loan app—it’s a complete credit solution designed for young professionals and salaried individuals. Formerly known as EarlySalary, Fibe now offers instant loans, credit card bill payments, personal finance tools, and even rent deposit support. Its USP lies in how quickly it processes loan requests—often within minutes—and deposits money into your account or towards your bill, making it a popular choice among the 7 days loan app list for quick short-term borrowing.
The app also integrates with credit cards for EMI-based payments and provides smart reminders for credit card dues. With flexible tenure options, zero prepayment charges, and low processing fees, Fibe is an excellent tool for users who occasionally need to extend their credit without applying for a credit card itself.
Key Features:
- Instant loan disbursal up to ₹5 lakhs
- Credit card bill payments with flexible repayment terms
- Budget planner and EMI calculator built-in
- Smart reminders and credit health reports
- No collateral or paperwork required
Best For:
- Young professionals needing short-term credit to cover credit card bills or emergencies.
10. HDFC Bank Mobile Banking
Website: https://www.hdfcbank.com
As one of India’s largest private banks, HDFC’s Mobile Banking app is a powerhouse of features. Apart from standard banking, it provides real-time credit card management, including due date tracking, rewards points, EMI conversions, and instant bill payments. The app supports SmartPay, which lets users automate their credit card bill payments to avoid late fees.
HDFC’s app is built for users with multiple HDFC credit cards and includes features like limit increase requests, card blocking/unblocking, and offers tracking. It also integrates investment portfolios, FD tracking, UPI payments, and personalized insights, making it a go-to app for full-scale banking and card control.
Key Features:
- Complete credit card dashboard for HDFC customers
- SmartPay auto-debit and reminders
- Reward points redemption and EMI offers
- Instant card blocking, limit change, and e-statements
- Secure login with face ID, fingerprint, and OTP
Best For:
- HDFC Bank customers looking for integrated card and account management with auto-pay options.
11. SBI Card
Website: https://www.sbicard.com
The SBI Card app is the official mobile platform for all State Bank of India credit card users. It offers a robust suite of features that lets users manage their card usage, check statements, make payments, and redeem rewards seamlessly. With over 15 million active cardholders, the app supports instant bill payments and offers multiple payment options including UPI, NEFT, and debit card.
What makes the SBI Card app particularly useful is its integrated rewards catalog, EMI planner, and e-statement support. The app also gives real-time updates on due dates, spends, available limit, and credit score changes. Users can also raise service requests and block/unblock their cards directly through the app.
Key Features:
- Real-time card tracking, due dates, and bill payment
- Reward point redemption and cashback offers
- UPI and NEFT payment integration
- EMI conversion and limit enhancement options
- PIN changes, blocking, and other secure card management features are included.
Best For:
- SBI credit card users looking for an easy and official way to manage and pay their card dues securely.
12. BOBCARD
Website: https://www.bobcards.com
BOBCARD is the official credit card app of Bank of Baroda, providing users with full control over their card services. While it doesn’t boast flashy rewards or a modern UI like fintech apps, it delivers everything a credit card user needs from checking statements and due dates to making secure payments through multiple channels.
The app supports instant bill payments, transaction tracking, EMI setup, and reward management. It has also added support for OTP-based login, credit limit adjustments, and secure access to e-statements and transaction history. BOBCARD serves best as a reliable, straightforward companion for BoB cardholders.
Key Features:
- Use BillDesk, IMPS, and NEFT to pay credit card bills.
- View transactions, statements, and reward points
- Apply for EMIs and set billing cycle preferences
- Real-time alerts and due reminders
- Card blocking, PIN reset, and mobile authentication
Best For:
- Bank of Baroda credit card users who want an efficient, no-frills payment and card tracking app.
13. Amex (American Express App)
Website: https://www.americanexpress.com
The American Express app is the global benchmark for premium credit card management. In India, it supports Amex-issued cards and offers an elite experience, including detailed spend analytics, real-time transaction updates, and reward tracking across Membership Rewards or partner platforms. The app allows quick bill payments, fraud alerts, and 24/7 chat assistance for card issues.
Amex also offers an unmatched experience in customer service, in-app access to airport lounge privileges, exclusive offers, and international travel benefits. While not all features available in the U.S. are accessible in India, the app still delivers a highly secure and feature-rich environment for Amex cardholders.
Key Features:
- Instant payment of Amex credit card bills
- Track spending by category and merchant
- Rewards dashboard and travel privilege integration
- Freeze/unfreeze card in real-time
- Dedicated customer support and dispute resolution
Best For:
- American Express users seeking an intuitive and premium-grade credit card app experience.
14. Tata Neu
Website: https://www.tatadigital.com
Tata Neu is a super-app that combines shopping, payments, and financial services, including credit card bill payments, under one platform. The app lets users link their Tata Neu HDFC Bank Credit Card for easy tracking and payments while earning NeuCoins (loyalty points) on each transaction.
With seamless integration across Tata brands like BigBasket, 1mg, Croma, and AirAsia, it allows customers to earn and redeem rewards while managing finances. Tata Neu also supports UPI and mobile recharges.
Key Features:
- Pay credit card bills with reward earnings
- NeuCoins redeemable across Tata brands
- UPI transfers and mobile recharges
- HDFC Credit Card integration and EMI options
Best For:
- Customers of HDFC Bank credit cards and ardent supporters of the Tata brand.
15. IDFC FIRST Bank
Website: https://www.idfcfirstbank.com
The IDFC FIRST Bank app offers a unified interface for banking, savings, and credit card services. As a rising star among Indian banks, IDFC has introduced zero-fee credit cards, and this app is the primary tool to manage them. It lets you pay bills, track spending, convert large transactions into EMIs, and view real-time offers all with no annual charges.
One unique feature is that users can get free interest credit periods up to 48 days and view personalized cash back based on spend categories like groceries, travel, or fuel. It also allows for card control features like turning off international usage, contactless payments, and transaction limits for added security.
Key Features:
- Real-time credit card bill tracking and payment
- No-fee cards with custom cashback features
- Card usage control and spend limit settings
- EMI conversion and payment calendar
- Secure login with biometric and OTP
Best For:
- Modern users seek low-fee credit card management and custom control over their card usage.
Conclusion
Credit card payment apps are more than just bill-settling tools, they’re financial companions built to simplify, reward, and optimize how you manage credit. From apps like CRED and CheQ that turn payments into perks, to platforms like OneCard and Jupiter offering real-time control, the options are both diverse and powerful.
Each app has its strengths, some offer cashback, others help track spending or improve credit scores. The best fit depends on your lifestyle and financial habits. Ultimately, a good credit card app should make managing your money feel effortless, secure, and even a little rewarding.
FAQs
1. Which is the Best App to Pay Credit Card Bills in India?
CRED is among the most popular, offering rewards, credit score tracking, and reminders. Other great options include CheQ, Paytm, and Google Pay.
2. Can I Pay Credit Card Bills Using UPI?
Yes, apps like PhonePe, BHIM, PayZapp, and Google Pay allow UPI-based credit card payments for select banks.
3. Is it Secure to Pay With a Credit Card Using a Mobile App?
Indeed. To safeguard your information and payments, all of the apps on this list employ RBI-compliant security measures, 2FA, and bank-level encryption.
4. When I Pay My Credit Card Bills, Do I Receive Rewards?
Yes. Apps like CRED, CheQ, and Freecharge offer cashback, reward points, or brand vouchers when you pay credit card bills through them.
5. Can I Use Credit Cards to Pay Rent or Utility Bills?
Absolutely. Apps like ePayRent, CRED RentPay, and Paytm allow rent and utility payments via credit cards, sometimes with small fees.
