CheQ: Credit Bill Payments

CheQ: Credit Bill Payments

Easy Repayments, Real Rewards

9.5K ratings
25 reviews

Details

  • Released
  • Updated
  • December 15, 2022
  • September 19, 2026
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CheQ: Credit Bill Payments screenshot #9 for iPhone
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About

Pay credit card bills and various utility bills using your credit card to earn rewards. Redeem these rewards for discounts, vouchers, or premium products. Access AI-driven credit advice and loan offerings.

✓Credit card bill payments
✓Utility bill payments via credit card
✓Earn rewards on payments
✓Redeem rewards for discounts/vouchers
✓AI credit advisor
✓Loan offerings
✓Flight & hotel bookings
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What's New in CheQ

5.2.4

September 19, 2026

Scan. Pay. Earn with RuPay on CheQ UPI! - Earn 1.5% CheQ Points on every RuPay payment on CheQ UPI - Use these Points to get extra discounts on your bills - Make 3x faster bill payments with in-app UPI

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Events

Read more about CheQ Reserve 2.0

CheQ Reserve 2.0

Auction your way to the extraordinary

Jul 29, 2026 — Aug 3, 2026

User reviews

False promotion of higher reward

I switched from Cred to this app for paying credit card bills. Then i tried paying Utility bill like electricity bill, but the app showed no bill for my electricity connection whereas other apps were showing the exact bill amount, first glitch and a major error due to which user cannot rely on this app for timely reminders. Secondly i applied for Cheq AU credit card as it promoted 12% rewards on utility bill payment, but somehow for 10k worth of utility bills i paid via Cheq Au credit card on Cheq app i got 72 reward points only which is way less then 12% promised. Raised a ticket for the same on customer care, but its been month they are unable to resolve it and are still escalating. avoid taking the credit card just because it looks cool or has LED. Avoid the app as well as they advertise false information and false promises for better rewards
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Excellent

CheQ is an excellent app for managing and paying credit card bills effortlessly. The interface is simple, smooth, and very user-friendly, making bill payments quick and stress-free.

What I really like is how it consolidates all credit card bills in one place and sends timely reminders, so there’s no chance of missing a due date. The cashback and reward points on bill payments are a great bonus and actually add real value. Payments are fast, secure, and reliable.

Overall, CheQ is a must-have app for anyone who wants smarter credit card management with rewards. Highly recommended! 👍
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Response from developer

Hi there! Thank you for the amazing feedback! We’re delighted to know CheQ is helping you manage and pay your credit card bills with ease. It’s great to hear that the reminders, smooth payments, and rewards are adding value to your experience. We’ll keep working to make CheQ even better for you!

Unreliable App & Poor Support

Absolutely terrible experience. This app has been a complete waste of time. I’ve been trying to make a credit card payment, but it keeps showing the same error for days with no resolution whatsoever.

Customer support is just as bad. The chat agents are extremely slow to respond, don’t seem to care about resolving the issue, and simply ask you to wait for several more days instead of actually helping. It feels like once you report a problem, you’re left on your own.

I would never recommend this app for credit card payments, especially if you’re making large or urgent payments. If your payment gets stuck, don’t expect timely support or a serious effort to resolve your issue. When your money and payment deadlines are involved, this kind of service is simply unacceptable.
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Response from developer

Hi Robin! Days of the same error with support asking you to keep waiting is unacceptable and we own this fully. This is not the CheQ experience we stand for. Please reach out via in-app Help & Support and we will personally escalate and resolve this without any further delay.

Wallet Load Issues

I recently used Cheq app for loading wallet from credit card. After the transaction Money was debited from my Credited card account but money has not been credi into cheq wallet. When i am seeing the transaction details it not properly showing that transaction will cancelled or successful. Only it is showing “Wallet Reload hold for 48 hours” . My 4000 rupees has been stuck for Cheq application. It is my humble request to kindly look into this matter. Because there are no customer care number so that i contact them what happened to my money. But there is only Chatbox and mail option. I did all things but still not received a proper resolution.
So it is my concern to customer care kindly Help me regard my issue
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Response from developer

Hi Soumya! At CheQ, wallet payments are designed to be instant, very few may undergo strong security checks to ensure the safety of your funds. The amount should have reflected in your wallet and been available for instant transfer or voucher redemption. For any queries, please use the Help & Support section available in the app.

Payment stuck and zero support

I used CheQ to pay my HDFC Pixel credit card bill, and while the money was instantly debited from my account, the payment did not reflect on my card even after hours. The app claims transfers happen within 30 minutes, but in reality it can take up to 2 business days, which is misleading.

Customer support is slow and not easily accessible — there’s no direct helpline, only email or in-app tickets. For a financial app handling large payments, this lack of real-time support is unacceptable.

CheQ needs to improve transparency, speed of settlement, and provide reliable customer care. Until then, I cannot recommend it for critical payments like credit card bills.
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Response from developer

Hi Bipin! Sorry to hear about your experience. At CheQ, payments are processed at lightning speed and confirmation is also shared by your bank. In some cases, banks may take a little longer to update the card statement or reflect the payment. We appreciate your feedback on support and transparency, and we're continuously working to improve the overall experience for our users.

FAQ

What is CheQ?

CheQ is a credit card bill payment platform in India that allows users to earn rewards on their payments. It also offers features like utility bill payments, an AI credit advisor, and loan offerings.

How do I earn rewards on CheQ?

You earn CheQ Chips on every credit card bill payment and certain utility bill payments made through the platform. These chips can be redeemed for discounts, vouchers, or premium products.

What types of bills can I pay with CheQ?

You can pay credit card bills, electricity, FASTag, insurance, water, mobile prepaid, LPG cylinder, landline & broadband bills, as well as education fees like tuition and school fees using your credit card via CheQ.

Does CheQ offer loans?

Yes, CheQ offers access to unsecured and secured credit offerings, including personal loans starting at 14% APR and loans against mutual funds up to ₹5,00,00,000 with interest rates starting at 10.49%.

Is CheQ secure for payments?

Yes, CheQ uses PCI DSS & CICRA-certified payment security protocols, ensuring all transactions are encrypted and protected end-to-end.

What is CheQ Wisor?

CheQ Wisor is India's first AI Credit Advisor, designed to help users stay on top of their credit decisions, payments, and future financial actions.

Does CheQ have ads?

Yes, CheQ contains advertisements within the application.

What is the update frequency for CheQ?

The latest version of CheQ is 5.1.0, and it was last updated on June 30, 2026, indicating regular updates to improve functionality and add features.