10 Best Apps to Pay Rent Online with Credit Card in India

Paying monthly rent with a credit card has become a popular trend in Indian metro cities. It brings advantages like reward points, cashbacks, and interest-free period to repay. Credit card rent payment is also easier to track and offers dispute resolution support. There are many rental payment apps and online platforms that allow you to securely pay rent via credit card.

This article discusses the top 10 apps that offer the most convenient way to pay rent using a credit card in India:

1. Paytm

Paytm is one of the largest Indian mobile wallet and payment apps. It is accepted by a wide network of merchants and service providers. You can use Paytm to pay rent to your landlord if they have a Paytm account.

Key Features:

Secure and quick rent payment using credit card, debit card, UPI or Paytm wallet balance.
Generate receipts and track rental payment history.
Set reminders for due date.
Cashback offers on select credit cards.

How to pay rent:

Open Paytm app and go to ‘Recharge & Pay Bills’
Choose ‘Rent Payment’ under utilities.
Enter your landlord’s mobile number registered with Paytm.
Mention rent amount and select credit card as payment mode.
Make payment after reviewing the summary.

Paytm will instantly notify your landlord and transfer funds to their Paytm wallet.

2. PhonePe

PhonePe is a popular online payment platform based on the Unified Payments Interface (UPI). It enjoys a wide user base in India.

Key features:

Make quick rent payments from any Indian or International credit card.
Generate a rental receipt as payment proof.
Get reminders for upcoming rent due date.
Track previous payments and transaction history.
Offers and cashback on payments via select credit cards.

How to pay:

Open PhonePe app and click on ‘Pay Rent’ option.
Enter landlord name, mobile number, rent amount and any reference details.
Confirm your credit card details as payment method.
Review summary and complete payment in one click.

Your landlord will receive the rent amount directly into their bank account via UPI transfer.

3. Google Pay

Google Pay is the instant digital payments app by Google. It has emerging as a popular online payments platform in India.

Key features:

Pay monthly rent seamlessly via domestic or international credit card.
Create a virtual payment address for your landlord.
Get monthly reminders on rent due date.
Track rental payment history.

How to pay rent:

Open Google Pay and tap on ‘New Payment’
Enter landlord’s mobile number or virtual payment address.
Enter rent amount and select credit card as payment method.
Review and confirm payment details.

The rent amount will be instantly credited to your landlord’s bank account via UPI.

4. Amazon Pay

Amazon Pay is the online payments platform by e-commerce major Amazon. It offers a quick way to pay bills and recharges via credit card.

Key features:

Make monthly rent payments from any domestic or international credit card.
Download receipt as payment proof.
View past transactions.
Get reward points on certain credit cards.
Quick settlement into landlord’s bank account.

How to pay rent:

Login to Amazon Pay and click ‘Recharge & Pay Bills’
Select ‘Rent Payment’ under utility payments.
Enter name, mobile number and other details of landlord.
Confirm rent amount and choose credit card.
Review payment summary and click ‘Pay Now’.

Your landlord will receive an SMS/email notification instantly.

5. Mobikwik

Mobikwik is a digital wallet and online payment platform. It allows you to pay rent using credit card at zero convenience fees.

Key features:

Pay house rent with any domestic or international credit card.
Get reminders for rent payment before due date.
View past transactions and download receipts.
Earn SuperCash rewards on payments.

How to pay:

Login to Mobikwik app and tap on ‘Recharge & Bill Payments’
Under utilities, select ‘Rent Payment’
Enter landlord details like name and mobile number.
Mention rent amount and select credit card.
Review summary and complete payment.

The amount gets credited to landlord’s account via NEFT transfer.

6. Freecharge

Freecharge by Axis Bank offers a digital payments platform to pay bills instantly via credit card.

Key features:

Pay monthly rent with any domestic or international credit card.
Get confirmation message after successful payment.
Track rent payment history.
Reward points on credit card transactions.

How to pay:

Open Freecharge app and choose ‘Pay Bills’
Select ‘Rent’ from the list of billers.
Enter details like landlord name, mobile number, etc.
Confirm rent amount and select credit card.
Review and click on ‘Pay Now’.

Your landlord will receive the payment directly into their bank account.

7. BHIM UPI

BHIM is the UPI payments app by National Payments Corporation of India. It facilitates direct bank to bank transfers.

Key features:

Pay rent via any UPI-linked credit card.
Send payments to landlord’s UPI ID or account number.
Generate UPI payment invoice as receipt.
Track monthly rental payments.

How to pay:

Open BHIM app and tap on ‘Pay’ option.
Enter landlord’s UPI ID or account number.
Enter rent amount and select your credit card as payment method.
Enter UPI PIN and confirm payment.

The rent amount will be credited from your credit card to landlord’s bank account via UPI transfer.

8. SBI YONO

YONO by SBI is a digital banking platform that offers online rent payment facility.

Key features:

Pay rent via YONO SBI credit card or other domestic/international credit cards.
Generation of electronic receipts.
Track rental payments and get due date reminders.
Offers and discounts on payment via YONO SBI credit card.

How to pay:

Login to SBI YONO app and go to ‘Recharge & Pay Bills’
Select ‘Rent Payment’ and enter details of landlord.
Mention rent amount and choose credit card.
Review payment details final ‘Confirm Payment’.

Landlord will receive the rent amount directly into their bank account.

9. PayZapp

PayZapp by HDFC Bank enables online rent payment from any Visa credit card.

Key Features:

Pay rent with any domestic or international Visa credit card.
Generate instant payment receipt.
View payment history and rental invoices.
Get reminders on rent due date.

How to pay:

Login to PayZapp and click on ‘Pay Bills’
Choose ‘Rent Payment’ and enter landlord details.
Select Visa credit card and confirm rent amount.
Review details and complete payment.

The rent amount gets credited to landlord’s account via NEFT.

10. CRED

CRED is a credit card bill payments app that offers rewards for timely repayments.

Key Features:

Pay rent with any domestic or international credit card.
Get instant confirmation on successful payment.
View all monthly rent payments in statement.
Earn CRED coins as reward on every rent payment.

How to pay:

Login to CRED app and click on ‘Rent Payment’
Enter details like landlord name, mobile number, etc.
Choose your credit card and confirm rent amount.
Review and make payment in a single click.

Landlord will receive the rent amount directly into their bank account.

Advantages of Paying Rent via Credit Card

Here are some notable benefits of using credit card for rental payments:

Reward points & Cashbacks – Credit cards offer additional reward points or cashback on online spends. You can redeem these rewards for online shopping, air miles, hotel stays and more.
Interest-free period – You get up to 45 days of interest-free period to repay your credit card bill. This provides short-term credit flexibility.
Improves credit history – Timely rent payments via credit card get reported to credit bureaus. It helps build a good credit score over time.
Smooth cash flow – You can pay rent early in the month while your salary might get credited later. It helps manage cash crunch situations.
Payment protection – Some premium cards offer rental payment protection insurance in case of job loss or other contingencies.
Dispute resolution – Your credit card provider can help in dispute mediation in case any issue arises with the landlord.
Account statements – Detailed credit card statements help keep track of rental payments and tally dues.
Zero convenience fees – Most online rent payment apps do not charge any convenience fees for credit card payments.

However, ensure responsible usage of credit cards. Avoid minimum bill repayment and pay total dues on time each billing cycle.

Choosing the Right Online Rent Payment App

If you are looking for the most convenient way to pay monthly rent using credit card, follow these tips to pick the right app:

Check if your landlord accepts online rent transfers into their account.
Compare features like reminders, receipts, payment security, reward points, etc. offered by different apps.
Opt for apps that do not charge any convenience fees on credit card payments.
Analyze the user interface and ease of use before selecting an app.
Only choose reputed apps that offer fast settlement into your landlord’s account.
Check for any requirements like mandatory registration for your landlord on the app.
Evaluate credit card offers, discounts or cashbacks before picking an app.
Read latest user reviews and ratings of the rent payment app.

Renting property is undergoing rapid digitization. Online rent payments via credit card offer a convenient, rewarding and seamless experience for tenants. So ditch the age-old money orders and start paying your landlord securely using the top payment apps in India. It is fast, reliable and helps build your credit history. Select an app that best meets your needs and pay house rent with just a few clicks every month.

Also read: Top 10 Communication Apps for Sports Teams