Spaid: Pay bills. Earn rewards

4.6
65.7K reviews
Content rating
Everyone
1M+
Downloads
Content rating
Everyone
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About this app

Spaid is a smart credit card management app that helps you manage multiple credit cards, pay credit card bills seamlessly, and earn rewards — all in one place. Track, manage, and maximise your credit with complete visibility and control.




Credit Card Bill Payment Made Simple

• Pay credit card bills for all major banks
• Manage multiple credit cards in one app
• Track outstanding balance, limits, and due dates
• Get reminders to avoid late fees
• Protect and improve your credit score

Spaid makes credit card bill payments fast, secure, and reliable.




Manage All Your Credit Cards in One Place

• Unified dashboard for all your cards
• Monitor credit utilisation and spending
• Track payment history and billing cycles
• Stay organised without multiple bank apps

Everything you need for complete credit card management.




Earn Rewards on Payments

• Earn Super Cash on eligible transactions
• Get more value from your credit card spends
• Make everyday bill payments rewarding




Track and Improve Your Credit Score

• Free credit score access
• Credit insights and personalised tips
Updated on
Apr 14, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
65.5K reviews
Shashimohan Rana
May 6, 2026
spaid, pay bill earn rewards. This is a completely fraudulent application. My first transaction was settled within a few hours. However, when I made a second, larger transaction using my credit card, they held it for two days-even though the money was deducted instantly from my card. After two days, they claimed that the beneficiary's bank was not accepting the payment and asked me to initiate it again to another account. However, there is no option in the system to add another beneficiary...
1 person found this review helpful
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BEYOUNDEXTRA TECH PRIVATE LIMITED
May 6, 2026
Shashimohan -- that sounds incredibly frustrating, especially with a larger transaction. It's not how Spaid is supposed to work. Please share registered mobile number and transaction details at support@spaid.in so we can investigate this beneficiary issue and get it resolved.
Babita Saini
May 3, 2026
spaid, pay bill earn rewards. This is a completely fraudulent application. My first transaction was settled within a few hours. However, when I made a second, larger transaction using my credit card, they held it for two days - even though the money was deducted instantly from my card. After two days, they claimed that the beneficiary's bank was not accepting the payment and asked me to initiate it again to another account
1 person found this review helpful
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BEYOUNDEXTRA TECH PRIVATE LIMITED
May 3, 2026
Babita -- that sounds incredibly frustrating having your payment held like that. We never withhold user funds. Bank issues can cause unexpected delays sometimes. Please share registered mobile number and transaction details at support@spaid.in, we will look into this ASAP.
Gaurav Yadav
May 5, 2026
It's a Fraud application. Referred to a friend, he made his first payment within 3 minutes and still we did not get the reward of ₹2000. Also, the super cash earned after making credit card payment is expiring in 2 days and you cannot use the super cash earned for any credit card or utility bill payment. not sure how we can use the super cash. don't become a part of this trap.
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BEYOUNDEXTRA TECH PRIVATE LIMITED
May 5, 2026
Gaurav -- that sounds incredibly frustrating, especially regarding the referral reward and super cash. It shouldn't be a trap. Share your registered mobile number and transaction details at support@spaid.in so we can investigate the missing reward and super cash usage.