Best Way to Pay Credit Card Bill for Cashback

Paying credit card bills is a routine task, but what if I told you that you could earn cashback while doing it? When I first heard about this, I was skeptical. But after testing different methods, I found that paying credit card bills smartly can actually save you money.

In this guide, I’ll share how you can earn cashback on credit card bill payments using the best apps, UPI, and bank-specific offers. If you’re new to credit cards or looking to maximize your benefits, this article will help you choose the right payment method and get the most cashback possible.

Can You Really Earn Cashback On Credit Card Bill Payment?

The short answer: Yes!

But there’s a catch—you need to use the right payment method. Most banks and third-party apps offer cashback, rewards points, or discount vouchers for making payments through their platforms. These offers are part of their user retention strategy—they encourage you to use their platform by giving small incentives.

Why Should You Care About Credit Card Bill Payment Cashback Offers?

• Extra Savings: If you’re paying ₹10,000 in bills every month and earning even 1% cashback, that’s ₹1,200 saved per year!
• Stackable with Other Offers: Some apps allow cashback stacking with credit card rewards, increasing your savings.
• Improves Credit Habits: Using cashback incentives helps maintain timely payments, improving your credit score.

But the real question is: Which payment method gives the best cashback? Let’s find out.

Best Ways to Pay Credit Card Bills & Get Cashback

After testing multiple options, I found that these three methods offer the best cashback benefits.

1. Best App for Paying Credit Card Bills & Earning Cashback

If you’re looking for an app that makes credit card bill payments rewarding, here are the top apps for cashback in 2024-2025:

💡 Pro Tip: If you’re paying a bill for the first time through any of these apps, you’ll likely get the highest cashback.

2. Using UPI & Digital Wallets Offering Cashback

UPI-based apps like Google Pay, Paytm, and PhonePe also provide cashback offers for bill payments.

Best UPI Methods for Cashback (2024 Updates)

✅ Google Pay: Offers random scratch card rewards (₹10-₹500) for first-time credit card bill payments.
✅ PhonePe: Flat ₹50 cashback on payments above ₹3000 (valid once per user).
✅ Paytm UPI: Up to ₹100 cashback on first three credit card bill payments.

💡 Pro Tip: Always check for offers before making payments, as they change frequently.

3. Bank-Specific Cashback & Reward Programs (Perfect for Choosing a New Credit Card!)

Some banks have exclusive cashback offers when you use their platforms. If you’re choosing a new credit card, you might want to pick one that rewards bill payments.

Best Bank Cashback Programs (2024-2025)

💡 Pro Tip: If you have multiple credit cards, check which bank gives the highest cashback and prioritize payments accordingly.

Things to Keep in Mind to Get Maximum Credit Card Payment Cashback

While cashback offers are great, here are some things to watch out for:

✅ Check offer validity: Cashback offers usually have limited-time periods and may change frequently.
✅ Look for minimum spending requirements: Some platforms require ₹5000+ payments to qualify.
✅ Choose the right method: If an app is giving ₹100 cashback via UPI but ₹200 via wallet, choose the higher cashback route.
✅ Track your cashback: Some apps credit cashback instantly, while others take 30-60 days.

💡 Pro Tip: Use multiple apps and compare offers before making payments to get maximum cashback.

Conclusion: My Personal Recommendation

Earning cashback while paying credit card bills is one of the easiest ways to save money on your everyday expenses. When I first started exploring these options, I wasn’t sure how much I could actually benefit. But after testing different methods, I realized that with the right strategy, I could get ₹500–₹1,000 or more in cashback every few months, just by making payments the smart way. The key is to compare offers before making a payment so you always get the highest cashback available.

FAQ

1. Which app gives the highest cashback for credit card bill payments?

Cred, Amazon Pay, and Paytm usually have the highest cashback offers.

2. Is it safe to use third-party apps like Cred or Paytm for credit card bills?

Yes, these apps are RBI-approved and follow strict security measures.

3. Can I earn cashback if I pay my bill through net banking?

Usually no, but some banks like HDFC SmartPay and SBI YONO offer cashback for automated payments.

4. What’s the best credit card for earning rewards on bill payments?

Cards like HDFC Millennia, SBI Cashback, and ICICI Amazon Pay offer bill payment rewards.

5. How do I track my cashback earnings?

You can check transaction history on Cred, Paytm, Amazon Pay, or your bank’s statement.