Credit Card Bill Payment Offers: Best Deals, Cashback & Discounts

Key highlights
 

1. Major bill payment platforms offer cashback, zero-fee UPI options, and instant settlement for credit card dues.
    
2. Paytm supports RuPay cards on UPI, and UPI AutoPay mandates now allow up to ₹1,00,000 per payment.
    
3. PhonePe shows fee-free Visa credit card payments with instant confirmation and HDFC PayZapp rewards CashPoints for bill payments.
    

You can now save on managing monthly dues properly. Platforms like CRED, Paytm, PhonePe, Amazon Pay, and MobiKwik now offer verified cashback, zero-fee UPI options, and instant settlements directly through official channels. 

Using these features, you can make the payments faster and receive rewards for credit usage. We have discussed a few of these platforms in this blog. 

Here is a detailed comparison of the top payment platforms and what each one offers, so you can get the most out of them.

What Are Credit Card Bill Payment Offers?D

Using CRED, you can manage credit card bill payments in a simplified manner while getting cashback and loyalty coins.
Details:

• Cashback Offer: New users get ₹200 instant cashback on their first credit card bill payment.
• Payment Modes: Bills can be paid through UPI, debit card, or net banking without any extra fee.
• The cashback applies only to first-time payments. You can also pay via NEFT, IMPS, bank apps or through auto debit. 

CRED is for those who are mainly looking for proper management of their dues. If you are not running after the ‘rewards’ or ‘bonuses’, then start making payments with Cred. 

Common Types of Credit Card Bill Payment Offers

Paytm has a vast UPI and AutoPay ecosystem. It integrates credit card bill payments with it and offers rewards to its users. 
Details:

• UPI-Linked Credit Cards: Supports linking of RuPay credit cards to UPI at zero fee.
• AutoPay Limits: UPI AutoPay now allows mandates up to ₹1,00,000 per payment without a PIN under RBI/NPCI guidelines.
• Rewards: Linked credit cards earn bank-specific cashback or reward points on UPI transactions. It means that for different bank credit cards, rewards will be different. 

Paytm is ideal for users who want an automated setup. Also, there is zero fee for high-value bill payments and transactions under ₹2000 for Small offline merchants.

Top Platforms Offering Credit Card Bill Payment Rewards

PhonePe offers strong Visa network integration. The payments made are quick and fee-free.
Details:

• Zero Convenience Fee: PhonePe users paying Visa credit card bills incur no extra convenience charges. Transactions are completed instantly (within 5 seconds) using any linked bank account.
• No Late Fees: Bills paid on PhonePe on or before the due date incur ₹0 late-payment penalty on the credit card.
• How to Pay: Visa cardholders can use PhonePe’s “Loan” or “Recharge & Pay Bills” section to link a credit card and pay dues via UPI or net-banking without added fees.

PhonePe stands out for its speed, zero-fee policy, and instant confirmation on Visa credit card bill payments.

HDFC PayZapp (HDFC Bank Mobile Wallet)

HDFC PayZapp is HDFC Bank’s official digital wallet that lets users pay credit card bills while earning reward points known as “CashPoints.”

• Reward/Cashback: PayZapp users earn HDFC CashPoints on credit card bill payments made through the app. For instance, in October 2025, HDFC offered 11 CashPoints on payments above ₹5,000. Use ‘PZCCBILL’ to avail the offer.
• Eligibility: Any PayZapp user paying a credit card bill through the app can earn CashPoints. The card can be from any Indian bank, though users must pay using PayZapp’s wallet or UPI mode.
• Limitations: Rewards are only earned when using PayZapp as the payment instrument. The cashpoints themselves expire per HDFC’s rewards policy, that is, 2 years from the date of accumulation.

Conclusion

Official bill payment platforms offer cashback, zero-fee UPI and instant settlements to simplify credit card bill payments. Always compare platform terms and confirm offers on official pages before paying online.

Frequently Asked Questions
 

What do I do if a payment shows as successful, but the credit card issuer did not receive it?
First, raise a complaint with your app or bank PSP. If unresolved, escalate via NPCI’s UPI dispute redressal and grievance channels as required. Keep transaction IDs and receipts.

How long does a bill payment take to reflect on my credit card account?
Most UPI and app payments settle within minutes, but final posting depends on the issuing bank’s posting cycle. For failed or reversed payments, follow NPCI and bank dispute procedures.

Are there per-transaction limits for credit card bill payments on UPI apps?
Limits vary by NPCI policy and by app. Recent NPCI updates raised permissible limits for certain categories. Check the official NPCI circulars and your app’s published limits before scheduling large payments. 

Do “first-time user” bill-pay bonuses expire after a few transactions?
Often yes,  many apps credit generous rewards only for the first few transactions or first bill-pay, then reduce benefits. 

Do promo caps apply per user, per card, or per device/app?
Caps may be per-user, per-card, per-bank or even per-device; identical-looking offers can have different cap rules in T&Cs. 

Are instant “push” cashbacks always reversible if the transaction is disputed?
Not always, instant credits can be reversed later if the transaction is voided or found ineligible. 

Can reward devaluations happen after I receive a welcome/intro offer?
Yes, programs are often re-priced or limited after launch; users report value drops within months. 

 

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.