If you’re searching for the best credit card payment apps in India, you’re in the right place. With so many apps available for bill payments, rewards, and credit tracking, it’s important to choose one that offers maximum value—whether through cashback, timely reminders, or credit score insights.
In this article, we compare the top credit card payment apps in India in 2025, based on features, rewards, fees, user interface, and security.
Why Use a Credit Card Payment App?
Paying credit card bills using a dedicated app offers several benefits:
- 💰 Earn cashback or reward points
- 🔔 Get payment reminders
- 🔐 Secure & fast transactions
- 📊 Track credit scores & due dates
- 📈 Manage multiple credit cards in one app
Top 10 Best Credit Card Payment Apps in India (2025)
Here’s a complete comparison of the best apps for paying your credit card bills:
| App Name | Rewards | UPI Support | Credit Score | Other Features |
|---|---|---|---|---|
| CRED | Yes | ❌ | ✅ | Jackpot rewards, CRED coins, bill tracker |
| PhonePe | Limited | ✅ | ❌ | UPI-based bill pay, cashback offers |
| Paytm | Yes | ✅ | ❌ | Bill reminders, supports many cards |
| Amazon Pay | Yes | ✅ | ❌ | Amazon ICICI card payments, vouchers |
| Mobikwik | Yes | ✅ | ❌ | SuperCash, ZIP credit line |
| BharatPe | Yes | ✅ | ❌ | Cashback, QR scanner, business tools |
| Freecharge | Yes | ✅ | ❌ | Axis-backed, Freecharge Points |
| Google Pay | Limited | ✅ | ❌ | Simple UI, selective credit card support |
| OneCard | Own Card | ✅ | ✅ | Card management, reward insights |
| Slice | Own Card | ✅ | ✅ | UPI, BNPL, card limits, rewards |
1. CRED – Best Overall Credit Card Payment App
CRED tops our list with its rich interface, timely reminders, and rewarding experience.
Features:
- Pay credit card bills and earn CRED coins
- Access Jackpots, Coupons, and Cashback
- Free credit score tracking
- Offers exclusive on dining, shopping & travel
Security:
Bank-grade encryption, multi-factor authentication
✅ Best for: High-reward users, multiple cards, premium users
2. Paytm – Best for Everyday Use
Paytm is a reliable app that supports most Indian credit cards and offers cashback during promotional periods.
Features:
- Bill reminders
- Option to use wallet, UPI, or linked bank
- Sometimes offers cashback and vouchers
✅ Best for: All-rounder usage, wallet & bill combo
3. PhonePe – Best for UPI Users
If you prefer UPI-based payments, PhonePe is the most user-friendly option.
Features:
- Easy interface, supports UPI, card & bank
- Offers cashback during promotions
- Supports selected credit card bill payments
✅ Best for: UPI users and fast payments
4. Mobikwik – Best for Cashback & ZIP Credit Line
Mobikwik is known for offering SuperCash rewards and flexible ZIP credit options.
Features:
- SuperCash offers for regular usage
- ZIP Pay Later facility
- EMI on credit card bills
✅ Best for: Regular cashback lovers & part-payments
5. Amazon Pay – Best for Amazon Card Users
Amazon Pay supports the Amazon Pay ICICI Credit Card, allowing users to get cashback directly into their Amazon wallet.
Features:
- Seamless bill pay
- Cashback on ICICI card transactions
- Great for regular Amazon shoppers
✅ Best for: Amazon Prime users and loyal customers
Security: Are These Apps Safe?
Yes, the listed credit card payment apps are secure and regulated by the RBI or operate under bank NBFC partnerships. Ensure:
- You download from the official Play Store or App Store
- Enable two-factor authentication
- Avoid using public Wi-Fi for payments
How to Choose the Best App for You
Ask yourself:
| Question | Best App |
|---|---|
| Want maximum rewards/cashback? | CRED, Mobikwik |
| Use UPI for everything? | PhonePe, Paytm |
| Pay bills + shop from same app? | Amazon Pay, Paytm |
| Track multiple cards & credit score? | CRED, OneCard |
| Run a business & need all-in-one tool? | BharatPe |
Tips to Earn More from Credit Card Payments
- ✅ Pay bills before due date to avoid interest & improve CIBIL score
- 🎁 Check for offers before making payments (festivals, month-end)
- 💳 Pay full amount, not just minimum due
- 🪙 Use CRED coins on high-value rewards
- 📅 Enable reminders on your preferred app
Final Thoughts
Paying your credit card bills shouldn’t be a chore. By using the right app, you can save money, track your financial health, and even earn rewards while staying debt-free.
In 2025, CRED remains the top choice, closely followed by Paytm, PhonePe, and Mobikwik depending on your usage style.
Related Articles
- How to Improve Your CIBIL Score Fast
- Best Credit Cards in India for Cashback – 2025 Edition
- CRED App Review – Worth It or Not?
Summary
- CRED is the best overall credit card payment app in India
- Paytm & PhonePe are great for UPI lovers
- Mobikwik excels in cashback
- Always compare features and security before choosing an app
