Best way to pay Credit Card Bills online in India using Apps, UPI & IMPS [2019]

Best way to pay Credit Card online in India using Apps, UPI & IMPS [2019]

Best way to pay Credit Card Bills online in India using Apps, UPI & IMPS [2019]

Now adays people are you holding more than 3 to 4 Credit cards from different Banks or brands and there are chances to forget the due dates of the credit card payments. So you moght be looking for a simple and hassle-free solution to pay all credit cards bills within due date from a single app.

In this busy life we might forget to pay our credit card dues, if you are using multiple credit cards as these multiple credit cards has different due dates. So there are high chances you landed paying heavy bank charges for missing payment. And frequent miss payments will also impact the credit score and this might create problem in future financial transactions like getting home loan, car loan, personal loan etc. So we have a solution to pay all your credit card bill on time and without any delay. 

Today, here we will discuss how to pay your credit card bills online using UPI & IMPS with instant credit confirmation and we will discuss some best Credit Card Payment Apps in India. Bonus part is that you may earn rewards for paying your bills.

Pay Credit Card dues using Credit Card Bill Payment Apps in India.

Now aday paying your bills through mobile is the most convenient option for everyone because we use it all the time in a day and also access to the desktop is possible every time. So here are best apps that you can use to pay your credit card bill using UPI, IMPS or anyother payment getway.

• Cred

Cred is my favourite app with some unique rewarding system for your each online Credit card bill payment. This App is one of the most popular Credit card bill payment app in India now adays. This App provides CRED Coin as reward for your Credit Card payment through this App and most importantly the App does not charges for making payment.

Best way to pay Credit Card Bills online in India using Apps, UPI & IMPS [2019]

This is founded by Kunal Shah, the person behinds the launch of popular Freecharge App which is one of the oldest mobile recharging startups in India. Cred is a member-only app and you can only join if you have Cibil/CRIF/Experian score more than 700. The idea seems innovative though Cibil, CRIF or Experian score is still not so widely used by most of the Fintech firms. It calculates the Credit Score only by the mobile number you provide at the time of signing up on the app and it only detects the Credit cards which have the same mobile number linked to this card. You have to manually add the cards which do not have the same mobile number.

Best way to pay Credit Card Bills online in India using Apps, UPI & IMPS [2019]

CRED app provides you the equal number of CRED Coins when you pay using this App. The accumulated Cred Coins can be used for several in-app merchants offers.

CRED Protect is the best feature in this, if you provide the app to access your mail inbox which is linked to your Cards. The app will automatically detect the Due dates of all the Credit Cards and reminds you well in adavance of due dates to pay your Credit Card bills. It also reminds you through Whatsapp about credit card payment. And here you have the option to pay credit card bill through UPI, Debit Card or Net Banking from all Indian Banks.

The App uses UPI or IMPS method (wherever applicable) to credit your payment on a real-time basis and any time in a day. According to the they say that the amount is refelcted in 24 hrs but in my experience the amount gets refelcted in 2-4 hrs.

Overall, CRED is a very smooth, User-friendly and safe Credit Card Bill Payments App in India with more than 4.6 scores both in Android and iOS App store.

You can download the app from here

• PhonePe

PhonePe is parently own by Flipkart PhonePe has also the option to pay credit card bill online. You can pay Visa, Mastercard, Rupay, DinnersClub or Amex credit card bill from this single App platform without any transaction cost. Though the payment will reflect on your Credit Card account after 48 hours excluding holidays. Here you can also earn through refer and earn program.

Things you can do on the PhonePe app -

• Send and request money from your contacts anytime, anywhere.
• Recharge prepaid Mobile for most major operators/Datacard/DTH connections across the country.
• Pay postpaid Landline, Datacard and Mobile Bills for all major operators.
• Pay for utilities such as electricity and gas bills.
• Check your account balance, save beneficiaries and manage multiple bank accounts.
• Get refunds and cashbacks to your bank account in an instant.
• Split bills with your friends and settle them right away.
• Shop on Flipkart, Myntra, Jabong and other onlinbe shopping sites

• Download the app from Phonepe app from here. or (Click on the referral Link: https://phon.pe/ru_vish50npp)
• Sign-up to Phonepe account.
• Verify your Mobile number via OTP. (Make sure the same number is been registered with your Bank)
• Select your Bank then they fetch your details.
• Refer your friend get Rs. 500 Cash-back(Maximum Refer 5 friends)
• The Cash-back will be credited into your PhonePe wallet within 24 hours. (Ideally Instantly)

You can download the app from here

• Google Tez (Google Pay)

Google Pay is currently the number one UPI Payment App in India with its smooth and unique interface. You can use Google Pay to pay your bill using its UPI payment option on real-time. Just go to New Payment through UPI ID and put the VPA id of your Credit card account and select OK. Here you can also earn through refer and earn program.

• Download App from here
• Register & Verify Your Number with the number you have a bank account connected
• Then Add Bank Account by clicking on your profile and add bank option
• choose the bank where your account is and register for UPI
• Now Make First Payment & Get Rs.51 ( You Can Send Rs.1 To Anyone ).
• Once You Make First Payment, Rs.51 Cashback Will Be Added Instantly.
• You Can Redeem That Cashback Amount In Bank Account After Approval.