Which apps do you use for credit card bill payments?
Every month I do pay cc bills either by bank apps or cred. I'm thinking of using other apps for maximising rewards, please do suggest if there any apps that give good rewards.
CheQ – You will get 1% of the bill value back as Cheq coins and 10 coins are worth 1rs (which can be used for future bill payments), or can be redeemed for brand vouchers with higher value. Limit of earning is 4000 coins/month, so essentially card bills till 4L/month for optimal redemption.
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Bro but 0.1% cashback is so low no 😔
I know better than getting back nothing, but still.
If you consider the brand vouchers, which honestly only a few are of use, then it's atleast 1%. This was rewarding during Flipkart BBD where they were giving additional coupons of 500-1000rs, of a few categories, for 10-50coins. So you never know when a certain brand of your choice comes up.
But still considering the lowest actual.cash value of 0.1%, it's still better than Cred's 1-5rs CB.
Also, on a side note, if you have HDFC savings account, for the non-HDFC card bill payments via Auto debit with Biller, using debit card, you can get 1% CB upto 500rs a month.
People are spending lacs to just get some free 100-200 rupees , that's what these credit card and payment companies wants :)
Truly. When UPI apps started advertising that we don't get cashbacks, I used to wonder why we need cashback on UPI payments and thought who would really care about that. Now I understand, many people need cashback on everything, their bill payments as well.
No one is using CC just to get 100-200Rs. I think the question is more about - if we are anyway spending 1-2L via credit card why not get some rewards for it
MobiqKwik give good cashback (at least 10 rupees and many times I got 75 rupees as cashback)
Innopay + Supermoney/POP UPI
Initiate the bill payment through innopay and pay through supermoney or POP.
However, this needs patience and effort. To get the best out of this offer, you have to pay Rs 200 in one go because currently the ongoing offer is Rs 1 innopay cashback for Rs 200 cc bill. And when you pay through supermoney, you get another Rs 0.5-1. So that's nearly 1% on cc bills which is huge tbh.
Best one. I use same. Supermoney gives cb for 10 transaction per day. I have pop upi, but not using it, I find the coins useless, @SmallErosion can u pls tell me if ur getting any real benefit from pop upi and how, thanks.
@Sugar : Dude, don't fall into that vicious trap of 1% cashback blah blah. Spend that time and energy on something constructive. Just so you know I used to pay my bills via some app you are Targeting to use and one of the billers never received some three months payments though the app showed it successfull. I had to spend some good effort to address this with customer support. So here's the deal are you willing to risk thousands worth of bill payments or getting your electricity cut just because some other app in the market messed it up and you fell for ur for the 0.5% cashback? Please note it's the 0.5% of the money you already spent and not crores of someone's else's money, so is it really worth it?
Bro priorities your data privacy not ₹1 cashback
Don't install unnecessary applications.
I personally use multiple apps. Cred: max ₹1 or 2 cashback - no use Tried CheQ - Cashback is good; but no use...as the vouchers only can be purchased and there is also a monthly limit of cashback coins u can spend. Rest I do partial payments from multiple apps like AmazonPay Payzapp BhimUPI SamsungPay chdcking the offers. Best is below Mobikwik app Use code Fullpay... party the full bill amount - It's cha ged now to upto ₹200 But mostly I get max ₹20; which is also a better one than others
CheQ is also a good one... There is a limit to use the coins. If you use that .uch only it's a good app...and if you're a frequent voucher user - or online food, movie, etc buyer,,, then vouchers for brands are really good kike Behrouz Dominos and clothings
I use Cred
