29 April 2026
Paying your credit card bill on time in full is a major step towards financial responsibility and building a good credit score. However, it doesn’t have to be just a “cost”.
By choosing the right app or method, you can not only save money but also earn money every time you pay. Whether you want direct cashback (money back in your wallet) or reward points (points you can swap for shopping), this guide covers the most rewarding ways to pay your credit card bills.
How much you save depends on the channel or app you use to pay your credit card bills. Depending on whether you want instant speed or maximum cashback, here is how you can use the top apps of 2026 to pay your dues.
These apps are designed for users who want to turn their bill payments into a win! Here are some examples of third-party apps -
CRED
CheQ
MobiKwik
AmazonPay
Paytm
If you prefer a direct bank ecosystem for reliability, these are your best bet. Here are some examples -
HDFC PayZapp
ICICI iMobile Pay
Axis Mobile
YES Pay App
Indie by IndusInd Bank
Out of the two ways described above, choosing the right app is the first step to saving funds. Below is an extensive list of the most reliable apps that offer cashback, reward points, or vouchers.
|
App Name |
Primary Rewards |
Reward Details |
Convenience Fee |
|---|---|---|---|
|
MobiKwik |
Direct Cashback |
From ₹51 to ₹200 |
Zero for paying credit card bills |
|
CRED |
CRED Coins / Cashback |
Jackpot, Premium Brand deals, cashback up to ₹250 |
Zero for paying credit card bills |
|
Amazon Pay |
Wallet Cashback, Scratch Cards |
From ₹10 to ₹50 |
Varies |
|
CheQ |
CheQ Chips |
1% Rewards on bill value, 100 Chips can be redeemed for ₹25 or higher value brand vouchers |
Varies |
|
HDFC PayZapp |
CashPoints |
1 CashPoint = ₹0.25 to ₹1, depending on your card |
Nil for HDFC users |
Now let’s look at each of these apps one by one. We will also learn the codes and other details about earning rewards and cashback.
MobiKwik is currently the most popular for direct cashback seekers. It provides multiple offers for paying credit card bills. The offers and the offer codes are mentioned here -
|
Offer Code |
Benefits |
|---|---|
|
FULLPAY |
|
|
ROYALENTRY |
|
|
FULLPAYNEW |
|
|
PACHEES |
|
|
GET1PERCENT |
|
|
SAVE50 |
|
|
SAVE75 |
|
|
SAVE101 |
|
|
SAVE151 |
|
|
SAVE200 |
|
CRED supports over 30 banks’ credit card bill payments. Here are the offers and benefits you can get -
Every payment earns you CRED Coins. These coins can be used to play "Jackpots" for a chance to win cashback or to claim heavy discounts on premium brands.
New users often get up to ₹250 cashback on their first payment.
Amazon Pay is preferred for its seamless integration and reliability. While they rarely give flat cashback now, they provide "Win More" scratch cards. These cards give you shopping discounts or small cashback amounts (₹10 to ₹50) when you pay bills over ₹500.
CheQ is a newer app, and it focuses heavily on reward consistency. You earn 1% of the bill amount as CheQ Chips on every credit card bill payment. 100 Chips can be redeemed for ₹25 in cash or higher values for brand vouchers.
Ideal for HDFC Bank customers who want to keep everything in one ecosystem. You can earn cash points for every bill payment.
These points are highly valuable because they can be used to pay off your credit card statement directly. Please note that 1 CashPoint = ₹0.25 to ₹1, depending on your card.
Here are some offer codes and their benefits -
|
Offer Code |
Benefits |
|---|---|
|
PZCCBILL |
Flat ₹11 cashback on making a bill payment of ₹5,000 and above during the offer period |
|
PZPIXELCCBILL |
Flat ₹11 cashback on making a Pixel credit card bill payment of ₹5,000 and above during the offer period |
|
PZHDFCCCBILL |
Flat ₹11 cashback on making an HDFC credit card bill payment of ₹5,000 and above during the offer period |
Apply for High Limit Credit Cards upto ₹5 Lakh*
Utility bills are a great way to meet the "minimum spend" targets on your credit cards to get your annual fee waived. Here are the offers you can get on paying your electricity bills through credit cards -
|
Credit Card Name |
Rewards on Electricity Bills |
Convenience / Platform Fee |
|---|---|---|
|
Axis ACE Card |
5% Cashback on paying via Google Pay |
₹0 (No app fee on GPay) |
|
Airtel Axis Card |
10% Cashback (via Airtel Thanks App) |
Up to 2.24% for paying utility bills |
|
Tata Neu Infinity |
1.5% NeuCoins on partner utility transactions, and up to 5% NeuCoins on paying via the Tata Neu App |
Varies |
|
HDFC UPI RuPay |
2% CashPoints via UPI on any app, up to 500 points monthly |
1%, capped at ₹3,000 |
|
Tata Neu Plus |
2% NeuCoins (via Tata Neu App) |
1.65% |
|
SC Super Value Titanium |
5% Cashback (On min. ₹750 spent, capped at ₹100 per month |
Varies, not waived off by the bank |
|
Freecharge Plus Card |
5% Cashback (via Freecharge App) |
1%, if total utility exceeds ₹25k in a month |
Smart users on forums like Reddit often use an "Indirect Method" to get higher rewards than what apps like CRED or MobiKwik offer. Here is what you can do -
Use a premium card (like HDFC Infinia or Axis Magnus) to buy Amazon Pay Gift Cards on platforms like Gyftr or SmartBuy. This earns you high reward points (up to 7%).
Add these gift cards to your Amazon Pay balance.
Use the Amazon Pay balance to pay your credit card bill (if the feature is active for your provider) or other utility bills.
Paying off your credit card bill within the due date in full is a good financial practice. That way, you build a strong credit history and score. You can use various platforms and apps to pay your credit card bills and save money while doing so.
To maximize your savings, it is best to rotate between these apps based on their monthly limits. To keep your credit card active, getting a card that gives you offers on paying utility bills is a great idea. If you are looking for a card that matches your specific monthly utility spends, you can apply for credit cards through Moneyview.
Reclaiming money sent to the wrong card is difficult. Always double-check the last four digits. Most apps now use "Penny Drop" verification (sending ₹1 to verify the name) to prevent this.
For very high amounts, using your Bank’s NetBanking or Official App (like HDFC MyCards or ICICI iMobile) is recommended for the highest reliability, even if rewards are lower.
Yes. Most cards like Airtel Axis (₹250) and Axis ACE (₹500 shared cap) have monthly limits. Once you cross this, you will earn the base rate (usually 1% to 1.5%).
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Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
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