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‘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.
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Key highlights
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.
Using CRED, you can manage credit card bill payments in a simplified manner while getting cashback and loyalty coins.
Details:
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.
Paytm has a vast UPI and AutoPay ecosystem. It integrates credit card bill payments with it and offers rewards to its users.
Details:
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:
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.”
*T&C Apply
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.
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.
