CheQ: Credit Bill Payments

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, Ray-Ban Meta Glasses & 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.

• 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

Meet the CheQ AU Credit Card, lighting up your life with rewards

Earn 12% rewards on paying your utility bills, flight & hotel bookings, and on your favourite brands like Amazon, Flipkart, Unicorn Stores (Apple), Zomato & BigBasket.

Get 5% rewards on 10,000+ brands like Myntra, Zepto, Uber, and more across dining, travel, shopping & beyond.

Your everyday rewarded in every way with 2.5% on CheQ UPI, coming soon.

And 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 & Bank

- Earlysalary Services Private Limited (Formerly known as Ashish Securities Private Limited)

- Poonawalla Fincorp Limited

- Axis Bank Limited

What we offer

- Min & Max Repayment Period: 3 months to 84 months

- APR: 13.5% to 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.