CheQ: Credit Bill Payments

CheQ Digital Private Limited

About this app

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 and 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, and more
Redeem Chips for premium products like iPhone, PS5, Ray-Ban Meta Glasses and more during special offers.

What can you do on CheQ?

Credit Card Bill Payments
Pay your credit card bills seamlessly and earn rewards on every payment.

⚡ Instant Settlement
Credit card bill payments on CheQ are instant and 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 and 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, and what to do next.

💰CheQ Insta Cash
Access unsecured and secured credit offerings:
- Personal loans starting at 14%
- Loan Against Mutual Funds up to ₹5,00,00,000 with interest rates starting 10.49%

Payments you can trust
CheQ uses PCI DSS and CICRA-certified payment security protocols.
All transactions are encrypted and 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)
• Axis Bank Limited

What we offer
- Min & Max Repayment Period: 3 months to 36 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: ₹17700
Interest rate: 20% p.a. (on reducing principal balance interest calculation)
Your EMI will be: ₹18582
Total amount to be paid: ₹18,582 x 36 = ₹6,68,945
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 years
- Minimum in-hand monthly salary requirement: ₹25000 above
- Should be a resident of India

Eligibility for Loan against Mutual Fund:
Age - 18 to 65 Years
Mutual Fund Investment - Minimum 50,000 Portfolio
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, and Diners Club Networks.

Contact Us:
We're here to solve your concerns and value your feedback. Reach out to us at [e-mail].

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

Ratings and reviews

Very poor experience in app compared to CRED. It doesn't recognize more than half of UPI apps, it required to add card details each time(almost every month) I try to pay my bills. I will say be cautious while using the app as money is really deducted but not reach to card issuer as payment, resulting in late fees and other charges. I thought cheQ was good alternative for CRED, but it's far from even being anywhere close to it.

It is very worst app I never seen like this before. In advertising they will tell you can use all reward coins in next payment but while doing one transaction it is showing monthly limit reached. If I want to use more I need to refer 30 friends,this is the work we have. Compare to this Cred app is 1000% best while rewarding and using also. In Google it is showing 4000 coins for monthly limit, it is taking only 1000 coins for every month. They are cheating with users in very cheap trick.

I don't think that any other app gives up 100 every month. Also, there is a problem if the amount of the credit card bill is more than 200000, then there might be a chance that payment gets stuck. As i always face problem payment 200000. Also, a big problem that we can make is to make payment with upi but not with the debit card. Also, netbanking also has very limited banks, and the bank is not great that every one have account in such a bank.