Spaid: Pay bills. Earn rewards

Beyoundextra Tech Private Limited

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

Ratings and reviews

This is a completely fraudulent application. My first transaction was settled within a few minutes. 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. thus they will keep your money.

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. thus they will keep your money.

Worst app I have ever used. I highly recommend avoiding this app. My first few transactions were settled within minutes, but my recent transaction on May 31, 2026, still has not gone through. I have been contacting customer support since June 1st, and they keep giving me the runaround, telling me "it will settle tomorrow" every single day. The lack of reliability and poor customer service make this app completely untrustworthy.