Credit Cards are a boon for people making purchases on credit. They are one of the most reliable financial tools that offer customers flexibility and convenience. Apart from this, various reward programs, benefits, bonus points, cashbacks, and complimentary offers come with them. They come to our rescue, especially in times of crisis and emergencies. With the improvement of technology and people's inclination to make online purchases, credit cards have moved away from the tag of luxury to necessary. Though some deficits are attached to having a credit card, the need for them in the consumer sector has increased rapidly.  

Having a Credit Card requires you to make timely payments. This will help you avoid interest charges and maintain your finances well. Numerous credit Card Payment apps have made Credit Card Payments easy. A user-friendly app has made the process of paying credit card bills friendly.  

List of Best Apps to Pay Credit Card Bills in India 

The following is the list of Credit Card bill payment apps available in India. They are:  

  1. Amazon Pay  

  2. CRED  

  3. Mobikwik  

  4. Lazypay  

  5. Google Pay  

  6. Paytm  

  7. PayZapp  

The listed information is in no specific order.    

1. Amazon Pay  

Amazon Pay is more than a shopping platform. It helps in managing payments smartly. You can buy phones, clothes, groceries, edible products, electronics, electrical, and almost all consumer durable products through this fantastic application. The Amazon Pay app lets you pay your bills, book flights, and send money through secure UPI payments. Credit card payments through the app help you earn rewards and cashback. Over the years, AmazonPay has followed rigid and strict security and fraud protection systems in its payments, earning the trust of millions of customers worldwide.   

Pros of Amazon Pay  

  • Cashback/Rewards for Prime users  

  • Integrated with UPI and saved cards  

  • Smooth and Fast interface  

Cons of Amazon Pay  

  • Limited to Amazon platform  

  • It does not support all banks  

  • Credit management features limited  

2. CRED  

CRED is one of India's most popular and trusted credit card payment apps, used by millions of Indians. This app helps you manage credit card payments, utility bills, rent, mobile recharges, and more. It also helps you receive payment reminders, uncover hidden fees, get spending insights, and discover ways to maximize your credit card benefits.   

You will gain two-times cash rewards on partner brands like Domino's Pizza, Baristas, Shoppers Stop, Star Bucks, Puma, Reliance Fresh, Soch, etc. You also have the opportunity to gain access to curated products and experiences. The app also completely secures your details and transactions with encrypted data.  

Register in the CredApp  

To register for Credit Card payments on the CRED app, you need to be a member of the CRED club. To become a member of the CRED club, you need to have a credit score of 750 & above.   

  • After you register, you can add credit cards to the app and use the app to pay your bills. To become a CRED member,  

  • Download the CRED app from the Play Store or the App Store.  

  • Enter the mobile number and the email ID and verify the OTP.  

  • Ensure that the credit score is 750 and above.   

  • Once you have registered, go to the cards section and add your Credit Card details.  

  • Select the Credit Cards for which the payment needs to be made.  

  • Enter the amount that needs to be paid and select the payment method.  

  • Follow the rest of the instructions and complete the payment.  

  Pros of Cred App  

  • Easy-to-use user interface  

  • Reward systems with exclusive offers 

  • Credit score tracking  

  • Reminders for bill due dates  

Cons of Cred App  

  • Available for users with a credit score of 750 and above.  

  • Competition from other fin apps. 

3. Mobikwik  

Mobikwik is one of the payment apps that simplifies how you make payments. This financial service platform allows users to send and receive money, pay business and utility bills, shop online at stores, and create instant settlements for credit card bills.  You can add funds through cards, wallets, or UPI. This platform helps you elevate your Credit Card experience. You will get regular and on-time reminders using the card. You can go in for instant settlement of the card and also earn cash back for timely payments. You will also get detailed analytics of your spending. The app also has top-notch security, as your personal and payment details are strictly safeguarded. This app was introduced to bring digital financial inclusion to billions of Indians.  

Register in the Mobikwik App:  

  • Download Mobikwik from Google PlayStore.  

  • You need to sign up for the app on your phone.  

  • Fill in your mobile number, which will be linked to your MobiKwik account.  

  • You will receive an OTP number.  

  • Provide the email address and create a secure password.  

  • Click the Sign-Up button to complete the registration process.  

  Pros of Mobikwik:  

  • Multiple payment options (DebitCard, UPI, MobiKwik balance).  

  • SuperCash rewards and discounts are available on every credit card payment.  

  • Use SuperCash for future purchases of your bill payments.  

  • Zip (Buy Now and Pay Later) feature.  

  • Fast payments via Wallet/UPI.  

Cons of Mobikwik  

  • Limited Card Biller options  

  • SuperCash usability instructions  

  • Late payment processing  

  4. LazyPay  

LazyPay is the easiest and quickest way to get instant credit on your everyday spending. This app has innumerable tie-ups with various online stores. This includes Swiggy, Zomato, Myntra, Zepto, McDonalds, blinkit, MyMakeTrip, Amazon, Byjus, Netflix, boat, Samsung, etc. Shopping is made easy through LazyPay, and you have the flexibility to make the payment within a period of 15 days without any interest or hidden fees. If you furnish a KYC, your credit limit can go up to Rs.5 Lakhs, and you also get a window payment period of 30 days with the requisite EMI options.  

LazyPay also allows utility bill payments for electricity, mobile, and DTH. This application allows you to buy gift cards from over 200 popular brands, like Amazon and Flipkart, and get a 30% discount. LazyPay is one of the most excellent choices for making credit card payments.  

While LazyPay's primary feature is credit line usage, it also facilitates the convenient clearing of credit card dues. Users can repay through LazyPay's credit limit and settle the amount later. Most credit cards can be used with this app. The app is beneficial during cash crunch situations when there is short-term liquidity. Payments are easy and quick with UPI integrations. It also provides timely alerts after the due date. It is ideal for those who are seeking convenience and a financial buffer.  

Register in the LazyPay  

  • Download and Install LazyPay.  

  • Create an account and navigate to the BillPay feature.  

  • Provide your Credit Card details and link them to your LazyPay account.  

  • Use the LazyPay credit line to pay your credit card bills.  

  Pros of LazyPay  

  • An interest-free credit period of 15 days.  

  • Buy now and pay later to make purchases.  

Cons of LazyPay  

  • Limited to UPI method for Credit Card bill payments  

5. Google Pay  

The most popular and the best user-friendly online payment platform in India makes it one of the top credit card payment apps. Online transactions are made easy, quick, and convenient with Google Pay or GPay, as it is popularly called. This platform makes it easy to make everyday payments, such as QR code payments, recharging phones, utility bills, etc. Payments are made immediately, and you will get confirmation within seconds. There are scratch cards that come with cashback on bill payments. It supports all leading banks and credit card providers. The payment history is stored in the app for reference.   

Are you on the lookout for the best Credit Card payment app? GPay has you covered there as well. The app is known for its high-security standards and encryption. Some of the security measures taken include UPI PIN, device lock, and fingerprint protection to make every transaction safe and smooth.  

Register with GooglePay  

To register with GooglePay,   

  • Open the app, navigate to "Payment Methods," and select "Add a credit or debit card."  

  • You get two options: scan the card or enter the details manually.  

  • Accept the terms and conditions that GPay has laid.  

  • You need to validate the authenticity of your credit card using an OTP.  

  • Enter the OTP and submit. Now, your Credit Card payments can be made easily through GPay.  

Pros of GooglePay  

  • Good user experience  

  • UPI-based payments are made fast and secure  

  • Occasional scratch card rewards  

  • High level of security with Google encryption  

Cons of GooglePay  

  • No detailed credit analysis  

  • Limited offers when compared to CRED or PayTM 

6. PayTM  

Another widely used platform for credit card payments is PayTM. The platform uses all the major credit card issuers and allows payments through UPI or net banking. You can benefit a lot from cashback and promotional offers. Payment reminders can be set, and you can also view your payment history. There is a method by which you can also make multiple card payments in one go. The payments can be processed instantly with notifications sent through SMS or email. With built-in security features such as OTP and PIN protection, this app provides a rewarding experience to credit card users.  

Some transactions that can be done with PayTM are checking the bank balance, scanning QR codes, making payments in shops, petrol pumps, restaurants, and much more. The multi-banking model facilitates PayTM UPI transactions. This helps them to leverage the Payment Service Providers of AXIS Bank, HDFC Bank, SBI, and YES Bank. YES bank partners with the payment platform to ensure seamless UPI transactions for users and merchants. Paytm also supports a wide range of banks for credit card EMIs. This includes ICICI, Axis, RBL, Citibank, Standard Chartered, IDBI, Bank of Baroda, and more.  

Register with PayTM  

To register your credit card with PayTM,  

  • Download the Paytm app.  

  • Register using your mobile number.  

  • Go to the "Credit Card Bill Payment" section.  

  • Please enter your card number and authenticate it with the OTP generated for your mobile number.  

  • Pay using the UPI or bank options.  

Pros of PayTM  

  • Frequent cash back and discount offers  

  • It is easy to track payment history and receipts  

  • Support all major Indian credit cards  

  • Flexible payment modes (wallet, UPI, debit card, net banking)  

Cons of PayTM  

  • Excessive promotional-based content  

  • Some users can report occasional app lags  

  7. PayZapp  

PayZapp from HDFC Bank is primarily meant for HDFC Credit Cards. However, this app also supports payments to other banks. You can link the bank account and pay via net banking, debit card, or UPI. You can navigate the app easily, which is best suited for HDFC customers. Payment confirmations are instant, and the platform uses high-end encryption for security. The payment app is also integrated with HDFC SmartBuy, where users can find occasional offers. You can also track your transaction history through PayZapp. Registration is straightforward: use your mobile number and complete KYC details. It is ideal for users who already bank with HDFC. For the others, the utility might be limited compared to multi-bank apps.  

Pros of PayZapp  

  • Great for HDFC Credit Card users  

  • Quick payments and secure processing  

  • Integrated with HDFC SmartBuy for better offers and extra savings  

  • Real-time payment status updates  

Cons of PayZapp  

  • Best only for HDFC Customers  

  • Limited offers for non-HDFC users  

  • UI is not user-friendly  

Conclusion  

Credit Card management has been made easier these days through the help of various credit card bill payment apps. Whether you are looking for reward points or cashback offers, choose the one customized to your needs. These platforms simplify your payments and help you with timely payments, tracking spending, and maintaining a healthy credit score. No matter what app you choose, timely payments are the key to avoiding penalties and building strong financial habits. Please use any of the apps provided and make it efficient when it comes to payment management.  

Disclaimer: This page includes information compiled from many sources and is only offered for informational purposes. Given that this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. The user is expected to confirm with the relevant source before making any choices or actions.  

Frequently Asked Questions

1. Which app gives cashback on paying a credit card bill?

CRED is one of the most popular apps in India that gives cashback and rewards on paying credit card bills. Users earn “CRED Coins” for each bill payment, which can be redeemed for cashback, exclusive offers, and vouchers. Other apps like Paytm and PhonePe occasionally offer cashback during promotional campaigns, but CRED consistently rewards users for timely credit card payments.

2. Name some of the best credit card bill payment apps in India.  

Apps like CRED, Paytm, and Google Pay are India's most trusted credit card payment apps. CRED stands out for its rewards and benefits, Paytm for its flexibility, and Google Pay for its user-friendly interface and UPI integration.  

3. Can I earn rewards and cashback to pay my credit card bills?  

Yes! Apps like CRED, Paytm, Mobikwik, and AmazonPay offer cashback, rewards, and other benefits on timely credit card payments.  

4. Will I be charged a fee for using the Credit Card Payment apps?  

No. These apps do not charge any fee for making your credit card bill payments.  

5. Can I pay someone's credit card through these apps?  

Yes. Apps like Paytm and Mobikwik encourage you to pay bills using any credit card as long as you provide the correct credit card number and details.  

6. How many days does it take for these apps to get the payments processed?  

These payment apps might take a maximum of 1-2 days to process the payments. Once the payments are successful, you will receive a confirmation through SMS/Email.