Credit Cards, these two words have made managing our finances stress free. Isn’t it great? Yeah of course it is. We all are now used to credit cards, either using it online or in offline purchases, and also we enjoy the exciting rewards that come along with it. But what if we say that paying your credit card bill can also be as smooth and exciting as getting the benefits after using your credit card? Exciting, right! To know more about these cards, let’s start with the discussion of Best Credit Card Payment Apps In India.
While among many credit card payment apps, there are some of the best credit card payment apps in India that tops the list in 2023. These cards come with a unique set of benefits and a fresh line-up of exciting rewards and offers.
What are Credit Card Payment Apps?
These credit cards are a powerful tool to unlock the ways for financial freedom and to manage stress free finances. Credit card payment apps are specifically designed to make sure the convenient and secure use of credit cards for various financial purposes. These apps enable customers to make payments, both online and offline, helps to maintain credit score, check payment history, timely reminders, offers, and whatnot.
These apps also serve as the bridge between seamless transactions in the digital age. With these apps you no longer need to be confined to go for the payment of credit cards physically or standing in long queues of bank. With these apps you can pay your credit card bill or can check for any update anytime with just a few clicks.
Let’s start with the main part of this discussion, i.e the best credit card payment apps in India in 2023!
|APP NAME||NUMBER OF DOWNLOADS|
Note: The apps in the above don’t represent any ranking, however we’ve ranked them on the basis of number of downloads.
Paytm tops the list of best credit card payment apps with the most number of downloads. One of the most well-known and popular apps among everyone. Paytm provides the facility to use its platform for various payments, be it for shopping, at departmental stores, groceries shopping, phone recharge, bill payments, transfer money directly to bank account, etc.
Key features of Paytm credit card payment app –
- The app rewards you with a scratch card of upto Rs.1 lakh, when paying Rs.5,000 bills from the app. The 1 lakh cash point will be equal to Rs.1,000.
- Not only this the app, for every card transaction, you’ll receive cash points upto 1,000.
- Paytm lets you to pay through debit cards for the bills, except for two i.e. Visa and MasterCard.
- You can make use of your debit cards, UPI, net banking, Paytm wallet, etc. to pay credit card bills.
- The app provides timely reminders to pay bills.
- The app might reward you with some more points on making timely payments.
- The app also generates free credit card reports.
- Cashback is also available on the app in the form of reward offers or points.
Note: To know about the best RuPay credit cards in the market, check our article 7 Most Rewarding Best RuPay Credit Cards In India. Do visit it to gain more knowledge of it.
Another most popular and used app in the list, with again the most number of downloads. PhonePe offers its best of the services for online payments, UPI transfers, mobile recharge, utility bills, etc.
Apart from providing cashback rewards, offers, prizes, PhonePe do provides insurance cover for different categories. PhonePe also has investment options, banking services, loan repayments, paying gas bills option, etc. on their platform.
Key features of PhonePe credit card payment app –
- As a prize feature, PhonePe gives scratch cards that unlock many features.
- The scratch card feature will only be enabled once you’ve paid the bill.
- PhonePe is considered to be the best among the UPI payment apps.
- You can pay your credit card bill on PhonePe by using your debit card.
- By paying your credit card bill through PhonePe, exciting coupons, offers, and benefits come along the way.
- Cashbacks are also awarded directly to your PhonePe wallet balance.
(C) Amazon Pay
Amazon has provided its fantastic and amazing services in different domains, be it in entertainment, shopping, or paying bills. Amazon’s new feature, Amazon Pay offers a convenient, rewarding, and easy way to pay their payments and bills. The app uses the already stored information of customers on their Amazon account to provide more fraud protection, checkout options, good customer experience, and more.
Amazon pay also comes with features like cashback rewards, QR scan payments, online payments, buy now pay later option, secure transactions, and more. The app comes with in-built integration, optimizing, and assistance processes.
Key feature of Amazon Pay credit card payment app –
- Amazon pay app provides free services to Amazon app users, and the amazon app users do not need to make a new account on Amazon pay.
- Cashback in Amazon pay is not always guaranteed on each transaction, however they do provide cashbacks occasionally.
- Discounts on paying credit card bills are displayed at the credit card bills section.
- Amazon pay lets you pay at any other website or store, through the payment options that are linked with Amazon Pay.
- The app lets you make payments via voice, by integration with Alexa.
- With amazon pay app, obtain free credit reports.
- Credit card bills can be paid through UPI or online / net banking.
- Also do have a EMI specific dashboard, that simplifies repayments and expense tracking.
One of the best apps for paying credit card bill payments. The app currently has a 140 million registered user base (2023). The app provides a facility to pay for the basic needs like daily bills, along with the utility bill payments, e-commerce sites bills, shopping bills, food delivery bills, departmental stores bills, etc.
Key features of MobiKwik credit card payment app –
- One of the prime features of the app is that it provides supercash as reward, when credit card payments are made.
- The supercash can be used to make other payments through the app, that can be 5% for every transaction.
- Incentives are offered in the form of supercash.
- The app provides an option to pay credit card bill payment either through UPI or through debit card.
- Comes with a MobiKwik wallet feature that charges a fee of 1.5%+GST, and this wallet feature can be used to make other payments with the app.
- Provides timely reminders to pay bills, this can help them save money by avoiding penalties and late fee fines.
The last one on the list is Cred. One of the primary functions of Cred app is to facilitate payment of credit card bills. The app allows users to link multiple credit cards with their platform and to experience a seamless way of making payments. The app comes with many offers and perks associated with credit card bill payment. It offers credit score tracking, reward system, discounts, membership, allows you to pay rent, etc.
Key features of Cred credit card payment app –
- Considered to be the only credit card payment platform, that rewards its members for clearing their credit card bill payments on time.
- The Cred members on the app get exclusive and amazing discounts, offers, rewards, from best of the brands for clearing their credit card bills.
- The credit cards linked to the cred app are only valid after successful verification.
- Provides the facility to add upto 10 credit cards at once.
- Pay your credit card bills via UPI or net banking.
- Also provides timely reminders for paying bills, payments, for checking free credit score, etc,
- Allows the facility to pay rent too. App also facilitates tracking the record of upcoming bills too.
The credit card payment apps have provided the ease and flexibility to the customers to pay their bills smoothly and without standing in lines at the bank. The above best credit card payment apps are sure to not miss out in 2023. These apps come with amazing and remarkable perks and benefits, each offering unique and fantastic features that provide stress free and quick payments.
These apps are best among the rest and are worth considering while looking out for the best app for credit card payments.