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Best Credit Card Payment Apps In 2024
Dipen Pradhan,Aashika Jain
Forbes Staff,Editor
Editorial Note: This content has been independently collected by the Forbes Advisor team and is offered on a non-advised basis. This content is not part of the comparison service provided by RunPath Regulatory Services. Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations.
The process of clearing credit card bills through credit card payment apps is preferred over other means of digital payments including internet banking, mobile banking, auto-debit, debit cards, RTGS, IMPS, NEFT, to name a few. Users can download the application from their Android or iOS mobile app store, enter personal details and credit card number, and verify through OTP to get started.
A digital payment app helps users to make their credit payments on time, receive cashback and reward points, and some even offer credit to your balance. Majority of the credit card payment apps charge zero to 3% processing fee, which differs from case to case.
Forbes Advisor India analyzed major credit card payment apps available on Google App Store and Apple Store, and created a list of the top ones to consider.
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- Best Credit Card Payment Apps Of January 2024
- Cred
- CheQ
- BharatNXT
- FreeCharge
- Mobikwik
- LazyPay
- Comparison of best app to pay credit card bill
- Methodology
- How To Choose a Credit Card Payment App
Best Credit Card Payment Apps Of January 2024
- Cred: Best Overall
- CheQ: Best Payment App with Zero Processing Fee
- BharatNXT: Best for Business Transactions
- FreeCharge: Best for Dinings
- Mobikwik: Best for Paying Bills
- LazyPay: Best for Customization
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BEST OVERALL
Cred
4.7
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Processing Fee
Up to 2.5%
Credit Card Support
VISA, MasterCard, American Express, and RuPay cards
Processing Fee
Up to 2.5%
Credit Card Support
VISA, MasterCard, American Express, and RuPay cards
Why We Picked It
Owned by Dreamplug Technologies Private Limited, Cred offers members to pay and manage multiple credit cards, and comes with a host of offers and rewards to access curated products. The app helps users to track, monitor, get reminders, as well as automate their credit card payments. Once the payment is processed through the app, members become eligible for various rewards in the form of exclusive access to events, experiences, gift cards and upgrades. The app also allows credit card members to scan and pay via UPI without any charges.
Who should use it:
Cred is a multifaceted option for your credit card payment app needs. It suits best for individuals with a credit score above 750, who wish to manage multiple credit cards and earn rewards and offers while making credit card payments both in store and online.
Pros & Cons
- Reward on every payment of credit card bills
- Set payment reminders
- Personal data and transactions are encrypted
- Good rating on app store
- Processing fee is high than most on the list
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BEST PAYMENT APP WITH ZERO PROCESSING FEE
CheQ
4.4
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Processing Fee
Nil
Credit Card Support
Visa, MasterCard, RuPay, American Express, and diners cards
Processing Fee
Nil
Credit Card Support
Visa, MasterCard, RuPay, American Express, and diners cards
Why We Picked It
Cheq is a credit card management app that helps users to pay their bills and loan EMIs. On every transaction through the platform, users get 1% reward, called CheQ Chips, that can be utilized as vouchers from premium brands including bookmyshow, Uber, Domino’s, to cite an example. One chip (maximum up to 1,000 chips) is equivalent to INR 1, which can also be converted to avail of a discount on upcoming bills. The app allows users to pay all their bills at a go.
What’s more, users can regularly check their credit score, set reminders for upcoming bills, and other credit card related services. Notably, CheQ doesn’t charge processing fees for making payments using the platform.
Who should use it:
CheQ is a credit card payment app best suited for individuals that need to make all credit card bills in one go.
Pros & Cons
- Zero processing fee
- 1% cashback on every payment
- Pay all your credit card bills in one go
- Some user complaints about customer service issues
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BEST FOR BUSINESSES TRANSACTIONS
BharatNXT
4.3
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Processing Fee
1% to 1.5%
Credit Card Support
RuPay, American Express, MasterCard, Visa
Processing Fee
1% to 1.5%
Credit Card Support
RuPay, American Express, MasterCard, Visa
Why We Picked It
Owned by FCAP Technologies, BharatNXT helps small-and medium-sized businesses to use their credit cards in making all business transactions, as well as transfer funds to the payee. Besides payments, it offers businesses interest free credit up to 50 days, while providing rewards and cashbacks for every transaction. The app is available for both Android and iOS users.
Who should use it:
BharatNXT is best-suited and customized for small-and medium-sized startups to make credit card payments for business needs.
Pros & Cons
- Allows businesses to make credit card payments
- 1% to 3% rewards
- Credit available for businesses via app
- Some user complaints about facing glitches
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BEST FOR CASHBACKS ON DINING
FreeCharge
4.2
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Processing Fee
Nil to 1.5%
Credit Card Support
Visa, MasterCard, Visa Electron, Rupay, Diners, American Express, Maestro, etc
Processing Fee
Nil to 1.5%
Credit Card Support
Visa, MasterCard, Visa Electron, Rupay, Diners, American Express, Maestro, etc
Why We Picked It
Axis Bank-owned Freecharge helps credit card users of almost all major brands to make payments via its mobile application. The platform has partnered with 18 major banks of India offering credit cards to provide benefits to users, which include 5% cashback on every credit card payment, 2% cashback on Ola, Uber, and Shuttle service. The app has also partnered with top restaurants to provide users up to 20% discount on every order.
Who should use it:
FreeCharge is a credit card payment app best suited for individuals to earn cashback and discount on taxi booking, quick-service restaurants, and other services.
Pros & Cons
- Accepts major credit card brands
- Make bill payments
- Cashback and rewards available
- Not as robust as some of its competitors
FEATURED PARTNER OFFER
BEST FOR PAYING BILLS
Mobikwik
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Processing Fee
Up to 2.5%
Credit Card Support
Visa, MasterCard, and American Express
Processing Fee
Up to 2.5%
Credit Card Support
Visa, MasterCard, and American Express
Why We Picked It
MobiKwik is a digital payment app that allows users to make credit card bill payments for both iOS and Android mobile applications. It has partnered with major banks offering credit cards to allow users to make payments, including shopping in local stores as well as transfer money from credit card to any bank account. Its easy-to-use mobile interface allows users to directly make the credit card payment by simply entering their credit card number and billing amount. Mobikwik takes at least two to three business days to process the credit card bill payment.
Who should use it:
Mobikwik is a great payment app for individuals who don’t want to miss the due date of their credit card bills.
Pros & Cons
- Pay credit card bills
- Use the platform while shopping with major brands
- Not so great review on Google Play Store
FEATURED PARTNER OFFER
BEST FOR CUSTOMIZATION
LazyPay
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Processing Fee
2% to 3%
Credit Card Support
Visa, MasterCard
Processing Fee
2% to 3%
Credit Card Support
Visa, MasterCard
Why We Picked It
LazyPay is a digital payments app that allows users to pay for all their purchases online or offline using their credit cards through the platform. It also offers credit cards, provided by RBL Bank, through the app should you choose to avail of additional services, including loans, etc. The app can be used to make instant payments for purchase on leading brands, or simply pay credit card dues. Users can also get 1% cashbacks up to INR 500 per month making purchases using the LazyApp.
Who should use it:
LazyPay is a super app, which can be customized to make credit card payments as well as make purchases, and even get loans.
Pros & Cons
- Useful for both online and offline purchases
- 1% cashback up to INR 500 per month
- Not so great review on Google Play Store
- Processing fee is higher than most on the list
Comparison of best app to pay credit card bill
| Company | Company – Logo | Forbes Advisor Rating | Forbes Advisor Rating | BEST FOR | PROCESSING FEE | Learn More CTA text | Learn more CTA below text | LEARN MORE |
|---|---|---|---|---|---|---|---|---|
| Cred |  | 4.7 |  | Best overall | Up to 2.5% | View More | ||
| CheQ |  | 4.4 | | Best payment app with zero processing fee | Nil | View More | ||
| BharatNXT |  | 4.3 | | Best for business transactions | 1% to 1.5% | View More | ||
| FreeCharge |  | 4.2 |  | Best for cashbacks | Nil to 1.5% | View More | ||
| Mobikwik |  | 4.0 | | Best for paying credit card bills | Up to 2.5% | View More | ||
| LazyPay |  | 4.0 | | Best for customization | 2% to 3% | View More |
Pricing and plans of the best credit card payment apps are accurate as of Jan. 2, 2024.
Methodology
Forbes Advisor India evaluated multiple credit card payment apps, and chose the six best processors based on factors including credit card acceptance methods, features, ease to use application, mobile interface, rewards and cashbacks, customer service, among other top services. Scoring was weighed on each data point to decide our ranking.
How To Choose a Credit Card Payment App
When choosing a credit card payment app, consider credit cards compatibility with the app, credit card processing fees, features, customer support, to name a few. Here are the top features to consider, as follows:
Processing fees: Most credit card payment apps charge a fee to process the credit card payment. This fee ranges between zero percent to 3%, which vary among providers. Remember, some charge higher processing fees, but don’t charge a monthly fee and vice versa.
Features: Some credit card payment apps come with basic features for clearing dues, making UPI payments while shopping online, and transfer funds. Others come with additional features to apply for loans, to cite an example.
Cashback and reward points: Most credit card payment apps in our list offer reward points which can be used as vouchers to avail of benefits from premium brands, or convert into cash to avail of discounts on your upcoming credit card bills.
Customer Support: You’ll want to consider the customer service and support options to help resolve your queries.
Reviews: Customer reviews on app stores as well as companies’ response to resolve the issue can be helpful to evaluate their customer service.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
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Can I pay by credit card bills using a credit card payment app?
Yes—credit card payment apps make it easier to clear dues through the platform, while allowing you to set reminders on every upcoming payment.
What are the best credit card payment apps for cashback in India?
Most credit card payment apps in our list offer cashback and reward points. For more details please go through, ‘Best Cashback Credit Cards’.
How do I compare different credit card options?
When choosing a credit card payment app, consider credit cards compatibility with the app, credit card processing fees, features, customer support, to name a few.
How to get reward points when using a credit card payment app?
Most credit card payment apps in our list offer reward points which can be used as vouchers to avail of benefits from premium brands, or convert into cash to avail of discounts on your upcoming credit card bills.
What is the processing fee associated with credit card payments in India?
Credit card processing fee varies among payment apps, which can be up to 3% in every transaction – except for CheQ in our list.
What are the benefits of using a credit card payment app?
The benefits of using a credit card payment app include the ability to make credit card payments, transfer funds, get cashbacks and reward points while saving time.
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