# CheQ: Credit Bill Payments — Easy Repayments, Real Rewards > Credit card bill payment platform offering rewards, discounts, and financial tools. (iPhone/iPad app by CheQ.) - Source: https://appshunter.io/ios/app/cheq-credit-bill-payments/id6444677365 (this page in markdown: same URL + `.md`) - Developer: [CheQ](https://appshunter.io/developer/1649890208) - Category: Finance, Utilities - Price: Free - Rating: 4.20/5 from 9,532 App Store ratings · 24 written reviews indexed - Age rating: 17+ - Requires: iOS 17.0 · 145 MB - Languages: American English - Released: 2022-12-15 - Data updated: 2026-09-08 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cheq-credit-bill-payments/id6444677365/reviews.md ## What is CheQ? What if paying your bills could actually pay you back? Welcome to CheQ — India's most rewarding credit card bill payment platform. Join 30 lakh+ users who earn rewards every month by paying their credit card bills on CheQ. Manage all your credit card bills in one place & earn 1% CheQ Chips on every bill payment, which you can redeem to: Get discounts on upcoming bill payments Redeem vouchers from top brands like Amazon, Flipkart, Myntra, & more Redeem Chips for premium products like iPhone, PS5 & more during special offers. What can you do on CheQ? • Credit Card Bill Payments Pay your credit card bills seamlessly & earn rewards on every payment. • Instant Settlement Credit card bill payments on CheQ are instant & typically settled within 2 minutes. • Rewarding RuPay UPI Payments Scan. Pay. Earn 1.5% CheQ Points on all RuPay payments on UPI. Make bill payments 3X faster with CheQ UPI. • Utility Bill Payments with Credit Card Pay important bills using your credit card: Electricity FASTag recharge Insurance Water Mobile prepaid LPG cylinder Landline & broadband Quick tip: Use CheQ Chips to get discounts on utility bill payments, too. • Education Fee Payments with Credit Card Pay: Tuition fees, School fees, College fees • CheQ Wisor Meet Wisor, India's first AI Credit Advisor: helping you stay on top of credit decisions, payments, & what to do next. • CheQ Insta Cash Access unsecured & secured credit offerings: Personal loans starting at 14% Loan Against Mutual Funds up to ₹5,00,00,000 with interest rates starting 10.49% • Get India's First LED Credit Card: CheQ AU Lifetime Free Credit Card Earn 12% Points on paying your utility bills, flight & hotel bookings, & on your favourite brands like Amazon, Flipkart, Unicorn Stores (Apple), Zomato & BigBasket. Get 5% rewards on 10,000+ brands like Myntra, Zepto, Uber & more across dining, travel, shopping & beyond. Earn 2.5% on CheQ UPI Earn 1% on everything else. • Book Flights & Hotels on CheQ Travel (only for CheQ AU Credit Card Holders) Get 12% rewards on flight & hotel bookings. Book at zero cost using CheQ Points. Enjoy the lowest fare guaranteed on every trip & stay Payments you can trust CheQ uses PCI DSS & CICRA-certified payment security protocols. All transactions are encrypted & protected end-to-end. Privacy Policy https://www.cheq.one/privacy-policy Our partner NBFCs Earlysalary Services Private Limited (Formerly known as Ashish Securities Private Limited) Amica Finance Pvt. Ltd Poonawalla Fincorp Limited What we offer Min & Max Repayment Period: 3 to 84 months APR: 13.5% - 45% Sample Personal Loan Calculation: Let's say you borrow ₹5,00,000 for 3 years, then: Processing fee (3% of loan amount + 18% GST) cost to: ₹17,700 Interest rate: 20% p.a. (on reducing principal balance interest calculation) Your EMI will be: ₹18,582 Total amount to be paid: ₹18,582 x 36 = ₹6,68,952 Total interest paid: ₹1,68,945 Total cost of loan: ₹1,68,945 + ₹17,700 = ₹1,86,645 APR (Annual Percentage Rate): 21.92% Eligibility for Personal Loan: Age: 21-55 yrs Minimum in-hand monthly salary requirement: ₹25,000 above Nationality: Indian Eligibility for Loan against Mutual Fund: Age: 18-65 yrs Minimum Portfolio Size: ₹50,000 Nationality: Indian Interest rate for Loan against Mutual Fund: 10.49% Per Annum We support cards issued by HDFC Bank, SBI, Axis Bank, ICICI Bank, RBL Bank, Kotak Mahindra Bank, IndusInd Bank, IDFC First Bank, Yes Bank, Bank of Baroda, AU Small Finance Bank, Federal Bank, Citi Bank, Standard Chartered Bank, DBS Bank, South Indian Bank, American Express, HSBC Bank, etc. We support all cards issued on the VISA, Mastercard, RuPay, & Diners Club Networks. Contact Us: We're here to solve your concerns & value your feedback. Reach out to us at support@cheq.one. CheQ: Credit Card Bill Payments | CheQ Chips, Rewards & Cashback | Education Fee Payments with Credit Card | Unsecured Personal Loans with the lowest interest rates | Apply for new Credit Cards ## Key features - 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 ## Recent user reviews (10 of 24) All indexed reviews: https://appshunter.io/ios/app/cheq-credit-bill-payments/id6444677365/reviews.md ### 5/5 — Excellent *2026-08-21* 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! 👍 **Developer response:** 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! ### 1/5 — Unreliable App & Poor Support *2026-07-03* 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. **Developer response:** 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. ### 1/5 — Wallet Load Issues *2026-07-01* 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 **Developer response:** 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. ### 1/5 — Payment stuck and zero support *2026-05-26* 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. **Developer response:** 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. ### 1/5 — Never download Very Very Bad Service *2026-05-17* very bad service when add money, wallet, 48 hour after get money, every time on hold very bad service, no customer support know anything, totally time, waste and money waste. If someone want tension, then download this app, am never never recommend this app to download. No need to do KYC totally fraud, totally time waste. I don’t have a word for say very bad service. No listen anything if you need money, so what can I do? Service very, very bad. I’m never say in my life, same like this. I say to company stop this app. Don’t play with customer. very bad service. Very very bad. I am never say anything my friend. Everything listen never download this app. Someone use this app, then getting very big trouble, very bad service. I say to all please report this app, then Apple developer remove this app. **Developer response:** Hi Sonu! Sorry to hear you’re experiencing this. At CheQ, such payments are settled instantly, a very few may take time due to security checks to ensure transaction safety. We believe your payment should have been settled. For any queries/concerns, please reach out via Help & Support in the app - our team can assist you further. ### 1/5 — Deceptive practices regarding data and account deletion *2026-03-17* If you have value your personal information, stay away. I have been trying to delete my account, primarily because the rewards and benefits are useless, but the process is intentionally designed to keep you permanently in a loop of exhausting confirmations. After requesting deletion in the app, I was forced to email them too. That email led to a request for reasons. After providing the reasons, I received a lecture justifying their stance and a request for another confirmation. Even after 4 rounds of back and forth, they still haven’t confirmed if my account or data has been erased. This is simply a retention tactic designed to tire users down until they give up, against all security protocols and a massive red flag for any fintech app. Avoid this app at all costs. **Developer response:** Hi there! Sorry to hear this experience - that’s not what we aim for. Account deletion should be simple and transparent. We’d like to review your case and help resolve this. Please write to support@cheq.one with your details, and our team will assist you further. ### 5/5 — Excellent *2026-02-16* 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! 👍 **Developer response:** 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! ### 1/5 — Disappointing Experience with Cheq App’s Wallet Service *2025-08-29* The Cheq app offers a variety of services, but my experience with its wallet feature has been highly disappointing. Adding money to the wallet takes up to 48 hours, which is unusually slow compared to other digital payment platforms. Furthermore, transferring funds from the wallet to a bank account also incurs additional delays of several hours. What makes the experience even more frustrating is the lack of transparency—users are not informed in advance about how long these processes will take. For a tech-driven service, this inefficiency and lack of clear communication reflect poorly on the platform. Overall, the wallet service feels impractical and unreliable, and I would not recommend it to anyone seeking a smooth and efficient digital payment solution. **Developer response:** Hi there! At CheQ, wallet payments are designed to be instant, very few may undergo strong security checks to ensure the safety of your funds. These checks are made when the attributes of a transaction begin. That said, the app cannot confirm the settlement time in advance. The amount should have reflected in your wallet and been transferred to your beneficiary instantly or used for voucher redemption. For any questions, contact Help & Support. We're here to help. ### 3/5 — Little bit disappointed *2025-08-11* Why is there no option to mark a bill as paid? If we make a payment outside of Cheq, there should be an option to mark it as paid, along with the amount and how much has been paid. If it is fully paid, Cheq should also allow us to mark it as paid. Currently, if we pay outside of Cheq, it still shows as unpaid and continues to send notification till new bill generates. Also didn’t find an option for providing suggestions like this for app improvements thats why wrote here. **Developer response:** Hi Shefi! Thank you for sharing your suggestion. We understand the importance of marking bills paid for external payments and we're actively working to add this feature. Our goal is to make managing your credit payments easier and more accurate. Stay tuned for updates, and feel free to reach us via in-app Help & Support. ### 1/5 — No customer support *2025-08-02* I made a payment of more than 2 lakhs towards my credit card. The payment got deducted from my bank and got message of Cheq receiving the amount. But after sometime got message from Cheq that they are not able to remit it towards credit card (no reason provided) and they have initiated the refund. As per the message it would take 24 hours to reflect the amount. It’s been more than that and when contacted with bank they have no updates on the amount coming in and if you need want to contact Cheq there is visibly NO direct CUSTOMER SUPPORT CONTACT DETAILS, there is either a chat bot which is not able to handle this request or one needs to raised ticket with resolution timeline of 2 working days. This is really frustrating and don’t know where the money is, my due date is passed and now I need to bear the late charges because of Cheq. **Developer response:** Hi there! We regret the inconvenience. Your payment failed due to an issue at the receiving bank, and a refund was initiated immediately. This issue has since been resolved, and your future payments to this bank via CheQ should go through seamlessly. ## Frequently asked questions about CheQ ### 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. ## Version history (last 5 releases) ### 5.2.3 — 2026-09-05 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 ### 5.2.2 — 2026-08-29 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 ### 5.2.1 — 2026-08-16 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 ### 5.2.0 — 2026-07-31 Meet the CheQ AU Credit Card: India's First LED Credit Card. - Earn 12% rewards on your favourite brands like Amazon, Flipkart, Unicorn Stores (Apple), Zomato and BigBasket, - 5% rewards on 10,000+ brands like Myntra, Zepto, Uber and more across dining, travel, shopping and beyond. - 1% on everything else. With CheQ Travel, you can - Get 12% rewards on flight and hotel bookings - Book at zero cost using CheQ Points - Enjoy the lowest fare guaranteed on bookings ### 5.1.3 — 2026-07-27 Meet the CheQ AU Credit Card: India's First LED Credit Card. - Earn 12% rewards on your favourite brands like Amazon, Flipkart, Unicorn Stores (Apple), Zomato and BigBasket, - 5% rewards on 10,000+ brands like Myntra, Zepto, Uber and more across dining, travel, shopping and beyond. - 1% on everything else. With CheQ Travel, you can - Get 12% rewards on flight and hotel bookings - Book at zero cost using CheQ Points - Enjoy the lowest fare guaranteed on bookings --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*