What Are the Best 7 Apps to Pay a Credit Card Bill in India? When paying off a credit card balance, how can I get a rebate in 2023?

What Are the Best 7 Apps to Pay a Credit Card Bill in India?

Many apps in India can help you pay your credit card bills easily and securely. Here are seven of the best apps:

1. Paytm: Paytm is a popular digital payment app in India that allows you to pay your credit card bills with ease. You can pay your bills through your bank account, credit card, or debit card.
2. PhonePe: PhonePe is another popular payment app that allows you to pay your credit card bills. It supports multiple payment options, including UPI, credit card, and debit card.
3. Google Pay: Google Pay is a fast and secure payment app that lets you pay your credit card bills with just a few clicks. You can link your credit card to the app and pay your bills using UPI or net banking.
4. Amazon Pay: Amazon Pay is an easy-to-use payment app that lets you pay your credit card bills using your Amazon account. You can link your credit card to the app and pay your bills using UPI, net banking, or Amazon Pay balance.
5. BHIM: BHIM is a government-backed payment app that lets you pay your credit card bills using UPI. It’s a fast and secure app that allows you to transfer money instantly.
6. CRED: CRED is a credit card management app that allows you to pay your credit card bills with ease. It offers rewards and cashback for every payment you make, making it a popular choice among credit card users.
7. Mobikwik: Mobikwik is a payment app that allows you to pay your credit card bills using UPI, net banking, or a credit/debit card. It’s a simple and secure app that offers various payment options to choose from.

Before relying on an app to settle your credit card bill, it’s wise to research its safety features and user feedback.

When paying off a credit card balance, how can I get a rebate?

Keep in mind that not all credit card companies offer rebates or promotions and that even if they do, there may be requirements you need to meet to qualify. Before submitting an application or making a payment, make sure you read the fine print and fully understand the terms of any promotion or rebate.

1. Check for credit card promotions: Credit card companies often offer promotional rebates to encourage customers to use their cards. Check your credit card company’s website or contact their customer service to find out if there are any ongoing promotions or rebates.
2. Use reward points: Some credit card companies allow you to redeem your reward points as a statement credit to your account. Check your reward points balance and see if you have enough points to redeem for a statement credit.
3. Negotiate with the credit card company: You can try negotiating with your credit card company to waive some of the interest charges or fees. Explain your situation and ask if they can offer any rebates or incentives for paying off your balance.
4. Consider balance transfer offers: Some credit card companies offer balance transfer promotions, which allow you to transfer your balance from one card to another with a lower interest rate. This can help you save money on interest charges and potentially get a rebate.

You should be aware that not all credit card companies provide rebates or promotions, and that even if they do, there may be criteria you must meet to receive them. You should always read the fine print and get a thorough understanding of the terms of any promotion or rebate before submitting an application or making a payment.

How To Check Credit Card Pay Off Balance With These Apps?

Here are the steps you can follow to check your credit card pay-off balance through the following apps:

1. Paytm:

• Open the Paytm app and log in to your account.
• Tap on the “Passbook” tab at the bottom of the screen.
• Find your credit card account and tap on it.
• Your current balance and pay-off balance should be displayed.

2. PhonePe:

• Open the PhonePe app and log in to your account.
• Tap on the “My Money” tab at the bottom of the screen.
• Find your credit card account and tap on it.
• Your current balance and pay-off balance should be displayed.

3. Google Pay:

• Open the Google Pay app and log in to your account.
• Tap on the “Payments” tab at the bottom of the screen.
• Find your credit card account and tap on it.
• Your current balance and pay-off balance should be displayed.

4. Amazon Pay:

• Open the Amazon Pay app and log in to your account.
• Tap on the “Payment Options” tab at the bottom of the screen.
• Find your credit card account and tap on it.
• Your current balance and pay-off balance should be displayed.

5. BHIM:

• Open the BHIM app and log in to your account.
• Tap on the “My Information” tab at the bottom of the screen.
• Find your credit card account and tap on it.
• Your current balance and pay-off balance should be displayed.

6. CRED:

• Open the CRED app and log in to your account.
• Tap on the “Cards” tab at the bottom of the screen.
• Find your credit card account and tap on it.
• Your current balance and pay-off balance should be displayed.

7. Mobikwik:

• Open the Mobikwik app and log in to your account.
• Tap on the “My Wallet” tab at the bottom of the screen.
• Find your credit card account and tap on it.
• Your current balance and pay-off balance should be displayed.

Note: The specific steps to check your payoff balance may vary slightly depending on the credit card issuer and the app.

What are the benefits and drawbacks of using these apps to pay your credit card bill?

Using an app to pay your credit card payment has some benefits and some drawbacks.

1. Paytm: Benefits:

• Convenient and easy to use.
• Offers cashback and discounts on credit card bill payments.
• Supports multiple payment options including credit/debit cards, net banking, and UPI. Drawbacks:
• Paytm charges a convenience fee for using its platform to make credit card bill payments.

2. PhonePe: Benefits:

• Simple and user-friendly interface.
• Offers cashback and rewards on credit card bill payments.
• Supports multiple payment options including credit/debit cards, net banking, and UPI. Drawbacks:
• PhonePe charges a convenience fee for using their platform to make credit card bill payments.

3. Google Pay: Benefits:

• Secure and reliable platform.
• Offers rewards and cashback on credit card bill payments.
• Supports multiple payment options including credit/debit cards, net banking, and UPI. Drawbacks:
• Google Pay charges a convenience fee for using their platform to make credit card bill payments.

4. Amazon Pay: Benefits:

• Convenient and easy to use.
• Offers cashback and rewards on credit card bill payments.
• Supports multiple payment options including credit/debit cards, net banking, and UPI. Drawbacks:
• Amazon Pay charges a convenience fee for using their platform to make credit card bill payments.

5. BHIM: Benefits:

• Simple and secure platform.
• Supports multiple payment options including credit/debit cards, net banking, and UPI.
• No convenience fee for making credit card bill payments. Disadvantages:
• Limited rewards or cashback options.

6. CRED: Benefits:

• Offers cashback, rewards, and discounts on credit card bill payments.
• Simple and user-friendly interface.
• Secure and reliable platform. Disadvantages:
• Only supports select credit card companies.
• Requires a good credit score to access the app.

7. Mobikwik: Benefits:

• Offers cashback and rewards on credit card bill payments.
• Supports multiple payment options including credit/debit cards, net banking, and UPI.
• Easy to use platform. Disadvantages:
• Mobikwik charges a convenience fee for using their platform to make credit card bill payments.

In conclusion, these apps streamline the process of making credit card payments and may even provide additional benefits, such as rewards or cash back. Most of these apps add a convenience fee to credit card bill payments, which might cancel out any benefits from rewards or cash back. It’s important to consider the app’s convenience cost alongside the benefits it provides before making a final decision.

Review on Paying Credit Card Bills Through These Apps?

Apps like Paytm, PhonePe, Google Pay, Amazon Pay, BHIM, CRED, and Mobikwik have made it easy and convenient to pay credit card bills digitally. A look at these apps:

1. Paytm: Paytm is one of the most popular digital payment apps in India. It allows users to pay their credit card bills with just a few clicks. Paytm offers cashback and other rewards on credit card bill payments, making it a popular choice among users.
2. PhonePe: PhonePe is another popular digital payment app that allows users to pay their credit card bills quickly and easily. It offers cashback and other rewards on credit card bill payments, making it a great option for users looking to save some money.
3. Google Pay: Google Pay is a secure and convenient digital payment app that allows users to pay their credit card bills easily. It offers cashback and other rewards on credit card bill payments, making it a popular choice among users.
4. Amazon Pay: Amazon Pay is a digital payment app that allows users to pay their credit card bills quickly and securely. It offers cashback and other rewards on credit card bill payments, making it a great option for users looking to save some money.
5. BHIM: BHIM is a digital payment app developed by the National Payments Corporation of India (NPCI). It allows users to pay their credit card bills easily and securely. BHIM offers cashback and other rewards on credit card bill payments, making it a popular choice among users.
6. CRED: CRED is a digital credit card management app that allows users to pay their credit card bills and manage their credit card rewards and benefits. It offers cashback and other rewards on credit card bill payments, making it a great option for users looking to maximize their credit card benefits.
7. Mobikwik: Mobikwik is a digital payment app that allows users to pay their credit card bills easily and securely. It offers cashback and other rewards on credit card bill payments, making it a popular choice among users.

To sum up, using one of these digital payment applications is a fantastic method to streamline the process of paying your credit card bills. Nonetheless, it is essential to use a reliable and trustworthy app and to take appropriate security steps, such as creating robust passwords and avoiding public Wi-Fi while making payments.

FAQ About Paying Credit Card Bills Through These Apps?

The following are some of the most commonly asked questions (FAQs) regarding the use of digital payment apps such as Paytm, PhonePe, Google Pay, Amazon Pay, BHIM, CRED, and Mobikwik to settle credit card bills:

1. Is it safe to pay bills through digital payment apps? Yes, paying credit card bills through digital payment apps is safe, as long as you are using a trustworthy and secure app. These apps use secure encryption technology to protect your personal and financial information.
2. Do I need to link my credit card to the app to make payments? Yes, you need to link your credit card to the app to make payments. You will need to provide your credit cards details, such as the card number, expiry date, and CVV, to link your card to the app.
3. How long does it take for the payment to reflect on my credit card account? The time taken for the payment to reflect on your credit card account depends on the payment processing time of the app and your credit card issuer. In most cases, the payment should reflect within 1-2 working days.
4. Are there any transaction fees for paying card bills through these apps? Some apps may charge a transaction fee for paying credit card bills, while others offer free transactions. You should check the app’s terms and conditions to understand the fees associated with paying credit card bills.
5. Can I set up automatic payments for my card bills through these apps? Yes, some apps allow you to set up automatic payments for your credit card bills, which can help you avoid late payment fees and improve your credit score. You should check the app’s features to see if automatic payments are available.
6. Do these apps offer rewards or cashback on card bill payments? Yes, many apps offer rewards or cashback on credit card bill payments, which can help you save money or earn points. You should check the app’s rewards program to see if credit card bill payments are eligible for rewards or cashback.