Credit Card Bill Payment App: How To Choose One To Make Easy Payment?

Credit cards require you to make timely payments to avoid interest charges and you can simplify your life using a credit card bill payment app. A user-friendly app makes the whole process of paying bills convenient and quick. 

This way, you don’t have to visit your credit card provider’s branch or miss due dates. Such apps may also offer you additional perks. Read on to know about them all.

Why Choose an App for Credit Card Bill Payment?

Here are some advantages such apps offer:

• You get alerts when your due date is approaching, so you can avoid credit card late payment charges and interest penalties. 
• You can also pay your credit card bill using such an app if you also use it for other reasons
• If you use multiple credit card, you can use these apps to store information about multiple billing cycles, eliminating the hassle of keeping different due dates in mind
• You can use a bill payment app to keep an eye on your expenses and avoid overspending
• Such credit card bill payment apps may offer you cashback and bonuses on making payments

Best Apps for Bill Payment

Several apps, with their robust and secure technology, provide these services. Here are some of the best apps to pay credit card bills in India.

Amazon Pay

If you frequently shop online on Amazon, this app is a simplified way to make credit card payments. It supports a range of cards and you can even enter the number of a card that is not yours and pay its bill hassle-free. 

It usually takes 2 days for your payment to reflect and you will get a confirmation email or an SMS as well. The rewards or offers change from time to time and right now, you can get a cashback of ₹10 when you pay a bill of at least ₹1,000. 

CRED

Good security and a number of bill payment offers make this one of the most commonly used apps for credit card payments. The processing fee is higher than other platforms, but its customer service is considered better than others. It allows you to add multiple cards and sends you reminders. 

Mobikwik

This is another simple-to-use digital payment app. You can use it to pay bills and get SuperCash or 1% cashback. Check the latest rewards to see how you can benefit from using it. It also charges a processing fee and takes 2-3 days to process the payment.

Also Read: Ways to Earn more Credit Card Points

Paytm

Considered one of the most reliable apps in India, you can use it to make different types of payments. Once you have added your credit card number to it, you will get recurring reminders to make timely payments. 

You can also get rewarded when you make such payments, but this depends on the amount and current offers. The timeline for your payment to reflect is usually 3 days, so ensure you make the payment well before your due date to avoid a late fee and interest. 

PhonePe

It is another popular app in India, using which you can make payments of your credit card bill via UPI or your debit card. You get a scratch card when you complete such payments and can enjoy a reward. It charges a small fee to allow you the use of this facility, so keep that in mind.

Check Credit Card Eligibility Criteria 

How to Make the Process Safe

The first thing you can do is to check that the app you choose has the following security measures:

• Firewall protection to secure sensitive information
• Encrypted transmission channel 
• Payment Card Industry (PCI) Data Security Standards (DSS)  

Next, opt for dual authentication through OPT, even if the app allows you to avoid it. In case of a breach of your credit card details, it will not allow you to carry out a transaction unless you provide the OTP.

By using an app for credit card payment, you can not only pay bills but also enjoy other benefits like cashback. However, most apps that offer meaningful rewards also charge a processing fee. In some cases, you may also face delays in the payment being reflected in your account. 

Nowadays, most issuers have their own app where you do not need to pay any fee when clearing your bill. Your payments may also reflect faster on these apps. Thus, this may be the best credit card bill payment app for you to use. 

No matter which app simplifies your payments, choose the ideal credit card to increase your purchasing power and get rewards. If you are looking for a new card, opt for a Fibe Axis Bank Credit Card. It is India’s first numberless credit card that links to your UPI ID, so it offers better security against credit card fraud and identity theft. 

With it, you can get complimentary access to domestic airport lounges and fuel surcharge waivers. You can also enjoy up to 3% cashback on your transactions. Download the Fibe App or register on our website to get the Fibe Axis Bank Credit Card today! 

FAQs on Credit Card Bill Payment

Can we pay credit card bills through Google Pay?

Yes, you can pay the credit card bills of leading brands using Google Pay. 

Which app is better for credit card bill payment?

Many apps in India provide the service of paying credit card bills. A credit card payment app with cashback can be a good choice to maximise your savings. You can choose from CRED, Amazon Pay, Paytm, PhonePe and more according to your convenience.

Which is a better way to pay a credit card bill?

You can log in to the issuer’s online account or mobile app to pay your bill. You can even use a third-party payment app. It depends on what you find most convenient. 

Which credit card bill payment app is safest?

Look for Payment Card Industry (PCI) Data Security Standards (DSS) to ensure that the app to pay credit card bills is safe. Some of the safest ones are CRED, Amazon Pay and Google Pay.