Looking to pay your credit card bills with ease, earn rewards, and stay ahead of due dates? Whether you're using Pice, or other dedicated apps, India’s fintech scene has made credit bill payments faster, safer, and more rewarding than ever.
Here’s your ultimate guide to the top credit card bill payment apps that help you:
Benefits of Credit Cards
A credit card isn’t just a payment tool-it’s a financial asset that offers benefits like rewards, EMI flexibility, and credit history building. Here's why credit cards are so valuable:
Credit cards work on a “buy now, pay later” model. When you swipe, your bank balance stays intact while you defer the payment to a later due date.
From cashback and reward points to exclusive discounts via co-branded cards, credit cards come with a wide range of benefits tailored to your spending habits—fuel, shopping, entertainment, and more.
Many bill payment apps offer cashback and other rewards on timely credit card payments, adding further value.
Using a credit card responsibly helps build your credit score, which plays a critical role in securing loans or higher credit limits in the future.
You can convert big purchases into easy monthly installments (EMIs) instead of draining your savings. It’s often cheaper than taking a personal loan.
Most cards offer a 45–60 day grace period during which you don’t have to pay any interest, provided you clear the full bill on time.
Pice is quickly becoming popular among users who want more control and rewards from their credit card payments. Here’s why:
Features
Whether you're a business owner, startup, MSME, self-employed professional, CA firm juggling multiple cards, or just someone who loves maximizing rewards, Pice offers a seamless, secure, and rewarding experience.
CRED allows users to pay all their credit card bills in one place and earn CRED coins for every rupee spent. These coins can be redeemed for deals, cashback, and brand discounts.
Best For: Reward lovers and users with multiple cards.
A popular payments app that supports credit card bill payments along with UPI and mobile recharges.
Best For: Paytm ecosystem users looking for convenience and cashback.
Mobikwik is known for its “SuperCash” feature, which rewards users for advance credit card bill payments.
Best For: Users seeking cashback and an easy interface.
With its strong UPI network, PhonePe allows users to pay credit card bills and win scratch cards in return.
Best For: UPI-first users.
Amazon Pay is integrated into the Amazon app and provides credit card bill payment with regular cashback campaigns.
Best For: Amazon shoppers looking for seamless integration and cashback.
App | Highlights | Rewards & Features |
PICE | Multi-card payments, business-friendly features | Real cash rewards, 45-day credit, auto reminders |
Paytm | All-in-one payments, promo codes | Scratch cards, cashback up to ₹1,000 |
Mobikwik | SuperCash and flexible payments | 2% SuperCash, future discounts |
PhonePe | UPI-based payments with scratch cards | Cashback up to ₹300, reward cards |
Amazon Pay | Seamless Amazon integration | 1–5% cashback, free credit report |
LazyPay | Buy-now-pay-later flexibility | 15-day interest-free credit, 5% cashback |
Google Pay | Secure UPI payments | ₹100–₹600 cashback, scratch cards |
BharatNXT | Business payments with credit | 45–50 days interest-free, 1% cashback |
CheQ | High cashback and credit score tracking | CheQ coins, ₹100 off, referral bonuses |
PayZapp | Fast payments for HDFC users | 5% cashback, ₹25 bonus on ₹5,000+ payments |
Paying credit card bills is no longer just a task—it’s an opportunity to earn rewards, avoid late fees, and manage your finances smarter. No matter your need—rewards, compliance, or convenience—there’s an app that fits. Choosing the right credit card bill payment app can simplify your financial life or credit card management while also saving you money. Choose wisely. Pay smart. Earn more.