What is the most beneficial app for credit card bill payment?

[iM23]

I used to pay credit card bills using Mobikwik for its 1% cashback on paying the full amount. Even before 2 months they used to give 1% cashback upto ₹100, just a few days back, they reduced the upper limit to ₹75 and today I saw it has come down to ₹25.

Now, Axis e-debit card used to give 1% cashback for paying credit card bills on Mobikwik but they also stopped it.

So, what is the most beneficial app to pay credit card bills as of now? And in which apps, the Axis e-debit card's 1% cashback offer works? I don't have an HDFC account, so cannot use its debit card cashback offer.

Update: As of now (1/4/2024) Mobikwik again started to provide a maximum cashback of Rs. 50.

 

[tfbeginner210]

Jupiter Federal Bank DC via Mobikwik/Payzapp/Amazon might be an option. Unsure if it still works today.
And there is this Cheq app - popular nowadays for this purpose.
RBL and Indusind banks offer specific debit cards similar to HDFC platinum DC that provide around 1% cashback.

 

[ihmahetar]

Hdfc Bank Milleania Or Platinum Debit card Using Smart Pay

 

[sayantanb211]

Hdfc Bank Milleania Or Platinum Debit card Using Smart Pay

Does not work anymore

 

[Sreebhargava]

Does not work anymore

I paid using platinum debit card in sbi unipay and i got my points this week 🤞, dont know how many days will it last but SBI unipay and jio finance will work for now i guess

 

[ujjwal2024]

I paid using platinum debit card in sbi unipay and i got my points this week 🤞, dont know how many days will it last but SBI unipay and jio finance will work for now i guess

But in SBI unipay the failure happens and your money get stuck
Jio-finace I have not use it till now

 

[Sreebhargava]

But in SBI unipay the failure happens and your money get stuck
Jio-finace I have not use it till now

I have used both and worked for me actually and even got reward points, as I guess these are the only options that we have now

 

[cardio_guycardio_guy is verified member.]

I have been using Amazon pay UPI for credit card bill payments. Any other app with UPI feature for bill payment? How is Tata Neu or Google Pay?

 

[VISION]

I have been using Amazon pay UPI for credit card bill payments. Any other app with UPI feature for bill payment? How is Tata Neu or Google Pay?

please tell us, wht is the advantage of using amazon pay upi for credit card bill?

 

[Ash8]

I have been using Amazon pay UPI for credit card bill payments. Any other app with UPI feature for bill payment? How is Tata Neu or Google Pay?

I have used tata neu once for getting its promotional neu coins, it works fine. Never used GPay.

 

[Ash8]

please tell us, wht is the advantage of using amazon pay upi for credit card bill?

1. Load amazon pay wallet with any card giving you positive return and pay cc bill with wallet upi.
2. They usually have an offer of 2 to 10 Rs. cashback for a minimum 1k cc bill.

 

[VISION]

1. Load amazon pay wallet with any card giving you positive return and pay cc bill with wallet upi.
2. They usually have an offer of 2 to 10 Rs. cashback for a minimum 1k cc bill.

cred & cheq offers better on upi i think..

 

[cardio_guycardio_guy is verified member.]

please tell us, wht is the advantage of using amazon pay upi for credit card bill?

No advantage as such, I use Amazon Pay for everything, so for cc bill. payments too.
Just one app for everything. That's all. Also,
- Didn't have to pay any additional charges for any card yet.
- Quick reflection on banks - mostly gets reflected instantly or within 3-4 hours.

 

[paran393]

Cheq seems to be a good option as it offers points equivalent to 1% of the total bill paid. These points which are called chips can later be used to buy vouchers like amazon, flipkart, myntra etc. Can also use these chips to adjust against subsequent bill payment.

Note - the conversion rate is 10:1 and max 1000 chips (upto Rs. 100) can be redeemed when using them to adjust against credit card bills.

 

[VISION]

Cheq seems to be a good option as it offers points equivalent to 1% of the total bill paid. These points which are called chips can later be used to buy vouchers like amazon, flipkart, myntra etc. Can also use these chips to adjust against subsequent bill payment.

Note - the conversion rate is 10:1 and max 1000 chips (upto Rs. 100) can be redeemed when using them to adjust against credit card bills.

yes, i used to use this . but after getting into dc , nt using.
@cardio_guy with cheq u can save upto rs.100 every month with the same experience as amazon

 

[cardio_guycardio_guy is verified member.]

yes, i used to use this . but after getting into dc , nt using.
@cardio_guy with cheq u can save upto rs.100 every month with the same experience as amazon

Thanks. Also, does cheq need our email/SMS access like CRED? Any concerns there?

 

[VISION]

Thanks. Also, does cheq need our email/SMS access like CRED? Any concerns there?

is it mandatory... sms is needed, mail is optional when i was using around 6months back don't know current scenario with cheq

 

[Mr. BeanMr. Bean is verified member.]

I have been using Amazon pay UPI for credit card bill payments. Any other app with UPI feature for bill payment? How is Tata Neu or Google Pay?

Slice. Integrated with BBPS. So, settlement is either instant or as per (receiving) bank policy.

Can't be used for non-bbps cards.

Slice also supports auto-pay (technically using BBPS auto-pay).

I've been using Slice as wallet UPI. I think the normal UPI is no different. Wallet UPI can be loaded upto Rs.9999 via DC without charges.