CheQ App Review: India’s Most Rewarding Bill Payment App?

Managing multiple credit cards? We’ve all been there.

One bill is due on the 5th, another on the 12th, and there’s that one you completely forgot about. 

Before you know it, you’re hit with late fees, interest charges, and a sinking feeling of regret.

If this sounds familiar, you’re not alone.

But what if there was an easier way to stay on top of all your credit card payments while also earning rewards? 

That’s exactly where CheQ comes in. 

This app promises to take the hassle out of credit card bill payments—helping you clear dues on time, avoid penalties, and even get rewarded for paying your bills.

I’ve been using the app for a while now, and in this CheQ review, I’ll break down everything you need to know—how it works, what I loved, and whether it truly makes life easier for Indian credit card users. 

Let’s dive in.

What Worked for Me

• Clean and user-friendly interface
• No charges for credit card bill payments (as of now)
• Earn 1% CheQ Chips on payments
• Pay Together feature for multiple credit cards

What Didn’t Work for Me

• No Dark Mode option
• No Auto Pay option for recurring payments
• Occasionally shows outdated outstanding balances

First Impression

The moment I opened the CheQ app, I was welcomed by a sleek, clutter-free interface that felt instantly familiar and easy to navigate.

The design is modern, with a smooth color scheme and intuitive icons that make everything effortless. 

I could tell right away that the developers focused on simplicity—no unnecessary distractions, just a well-organized space to track and pay my credit card bills hassle-free.

As someone who juggles multiple credit cards (because, let’s be honest, who doesn’t love cashback deals and reward points?), I appreciated how clean and structured everything looked. 

Hopefully, CheQ sticks to this minimal approach—we’ve seen how apps like CRED started out with a visually stunning UI but gradually became cluttered with too many features. 

CheQ, on the other hand, keeps things straightforward, which is a relief.

That said, there’s one thing missing—Dark Mode. 

And if you’re someone like me who uses dark mode on every device, this can be a bit disappointing. 

I find it hard to adjust to bright screens, especially at night, so I really hope they introduce this feature in future updates.

i) Smooth Onboarding Experience

I was surprised by how quickly and easily I could set up CheQ. 

It follows the usual mobile number + OTP login method, which is pretty standard for Indian fintech apps. 

After verification, it asked for my email for additional security, and just like that—I was in.

One of the features I liked is that CheQ automatically detects all credit cards linked to your phone number.

However, while they show up in the app, you’ll still need to manually link them for bill payments.

But don’t worry—I’ll walk you through the entire process step by step later in this review, so stick around.

Key Features: What Makes CheQ Stand Out?

When it comes to credit card bill payment apps, most offer the same basic functionality—paying bills, setting reminders, and tracking expenses.

But CheQ brings a few unique features to the table, making it an app worth considering. 

Let’s break them down one by one.

1. Linking Your Credit Card to CheQ

Just because CheQ automatically detects your credit cards doesn’t mean they’re linked for payments. 

You’ll have to manually link them before making any transactions. 

Here’s how to do it:

• Open the app and tap on the credit card you want to link. (In my case, I’ve already linked my SBI card, so let’s add my Axis credit card.)

• Enter your card details—card number, expiry date, and CVV.

• Done! Your card is now linked. You can also use the Scan Card feature to auto-fill the details in seconds.

What if CheQ doesn’t fetch your cards automatically? No worries.

• Go to the Pay tab.

• Tap on the Add Card/Loan button.

• Select your bank and enter your card details.

That’s it.

2. Paying Credit Card Bills with CheQ

Once your card is linked, paying bills is effortless. 

CheQ automatically fetches your outstanding balances and lets you pay with a single tap. 

Here’s how:

• Open the app and go to the credit card section on the homepage.

• You’ll see your outstanding balance for each card.

• Tap Pay Now and choose the amount:
  • Total due (recommended)
  • Minimum due
  • Custom amount

• CheQ will show you how many CheQ Chips you’ll earn (1% of your payment).

• Tap Continue—CheQ might prompt you to buy Assure coverage, but you can skip it.

• Choose your payment method—UPI, GPay, or others. Complete the payment, and you’re done.

However, I did notice one issue. CheQ showed an outstanding balance of ₹4,124.51 on my Axis card, even though I had already paid it a few days ago. But this isn’t just a CheQ-specific issue—GPay, which I’ve been using for credit card bill payments, also displayed the same pending amount.

i) The Pay Together Feature

If you have multiple credit cards, making payments one by one can be a headache. 

That’s where CheQ’s Pay Together feature helps.

1. First, make the first payment for at least two credit products individually.
2. After that, turn on the Pay Together toggle—from then on, you can pay all your bills in one go.

3. Reminders and Alerts

One of the worst things about credit cards? 

Forgetting the due date and getting hit with late fees. 

CheQ has this covered:

• It sends timely reminders when your bill is generated.
• When you open the app, you’ll see the due date upfront so you never miss a payment.

In my experience, CheQ does a great job at keeping me on track with my payments.

4. Rewards & Cashback: What You Get

Let’s be real—the biggest reason to use CheQ is the rewards. 

Unlike some other credit card bill payment apps that keep devaluing their rewards, CheQ still offers solid value.

For every bill payment, you earn CheQ Chips worth 1% of your transaction.

i) How Much Are CheQ Chips Worth?

• Bill Payments: Use 10 CheQ Chips to get ₹1 off your next credit card bill. (So, 1000 chips = ₹100 discount)
• Vouchers: Convert your CheQ Chips into vouchers, sometimes at 10x the value.

For example, when I checked my Rewards tab:

• Some vouchers were offering ₹4 per chip,
• Others went as high as ₹10 per chip.

ii) Extra Cashback Offers

Apart from CheQ Chips, you also get:

• Flat 50% off on service charges for utility bill payments.
• 30% off on education fee payments.

Compared to apps like CRED, CheQ’s rewards are definitely competitive—at least for now.

5. Refer & Earn: Get Bonus Rewards

Want to earn even more? 

CheQ’s Refer & Earn program lets you invite up to 30 friends and get 1000 CheQ Chips per referral.

Here’s how it works:

• Your friend needs to pay a bill of ₹5000 or more.
• You get 1000 CheQ Chips (worth ₹100 off your next bill).

To refer a friend:

• Click on Refer & Earn on the homepage or go to Profile > Refer & Earn.
• Tap Refer Now and share your referral link.

Security & Privacy: Is CheQ Safe?

When it comes to credit card payments and financial transactions, many people overlook security and privacy—but I’m not one of them. 

And if you’re trusting an app with your hard-earned money, it’s only fair to ask: Is CheQ safe to use?

1. The Credit Card Removal Issue (Now Fixed)

When CheQ first launched, there was one major drawback—users couldn’t remove their credit cards from the app if they decided to stop using it. 

That was a big red flag for me because, even if you uninstalled the app, your card details remained in their system.

Thankfully, CheQ fixed this in a recent update. 

Now, removing your credit card is quick and easy:

1. Go to the Pay tab (where all your linked cards are listed).
2. Tap on the three dots next to the card you want to remove.
3. Select Remove—and your card is deleted from the CheQ app permanently.

2. Why Does CheQ Ask for Expiry & CVV?

Some people might wonder, why does CheQ require us to enter the card expiry date and CVV? 

Well, the answer is simple—this is an RBI mandate.

When you fill in your card details, CheQ even displays a notice explaining this requirement. 

So, there’s nothing to worry about—it’s just part of the standard security regulations for all fintech apps in India.

3. Protecting Your App with Face ID

Now, imagine this scenario—you hand your phone to someone, and without realizing it, they open the CheQ app. 

Suddenly, they have access to all your credit card details. 

Scary, right?

To prevent this, CheQ has implemented Face ID authentication.

• During the setup process, the app asks if you want to enable Face ID.
• If activated, CheQ won’t open unless it detects your face—giving you an extra layer of security.

This is a great feature, especially if you often lend your phone to others or want to prevent accidental access.

4. Account Deletion: A Big Plus

Another strong privacy feature is that CheQ allows users to permanently delete their accounts.

To delete your CheQ account, go to Profile > Personal Details > Delete my account.

Once deleted, all your data is removed from their system.

This is an important feature, as many fintech apps make it difficult to delete accounts, forcing users to leave their data behind. 

CheQ’s transparency in this area is commendable.

So, all things considered, I can say this: Yes, the CheQ app is safe to use.

CheQ Fees & Charges: Any Hidden Costs?

One of the biggest concerns when using credit card bill payment apps is hidden charges. 

So, after using CheQ for a while, I made sure to keep an eye out for any unexpected fees—and so far, I haven’t encountered any. 

I’ve been regularly paying my bills and earning CheQ Chips without any deductions, so it’s completely free at the moment.

A few months ago, CheQ introduced a fee for bill payments, but as of now, they are not charging anything for credit card bill payments. 

If this ever changes, I’ll update you.

However, when it comes to rent and utility payments, CheQ does have a small fee. 

That said, their charges are among the lowest in the industry, offering great value for every transaction. 

If you frequently pay rent or utility bills via credit card, it’s a good idea to check the app for the latest offers and discounts—sometimes, you can reduce or even eliminate these fees with promotions.

For now, credit card bill payments remain free, and even for rent and utilities, the charges are competitive. 

Can You Get a Loan in CheQ?

While loans aren’t the first thing I look for in a bill payment app, CheQ does offer loan options if you ever need quick access to funds.

In my case, CheQ offered me a CheQ Insta Cash personal loan of up to ₹5,00,000 with 45% off on processing fees and zero foreclosure charges.

Another option available was a loan against mutual funds, which doesn’t require a minimum CIBIL score and lets you borrow up to ₹5 crores without selling your investments.

However, these offers aren’t the same for everyone. 

If you have a strong CIBIL score, you might get even better loan deals. 

It’s always a good idea to check your personalized loan offers in the app to see what’s available for you.

Customer Support: How Helpful Is CheQ?

Fortunately, I haven’t needed to contact CheQ’s customer support yet. 

But if you ever run into an issue, getting help is pretty straightforward. 

Just go to your Profile and tap on Help & Support.

I have to say, CheQ has done a great job here. 

They’ve listed detailed FAQs covering almost every possible issue.

For example, if you’ve made a payment but it hasn’t reflected yet, or if you’re wondering how long a refund takes, you can simply navigate to the Credit Card Bill Payment section and find the answer right away—no need to wait for a response.

But what if your issue isn’t covered in the FAQs? 

No worries.

Tap on My Requests in the top right corner, and you’ll see two options:

• Tickets: If you’re facing a serious issue, you can raise a ticket and get a response from the CheQ support team.
• Chat: You can also use chat support, but keep in mind that it’s a chatbot, so don’t expect personalized assistance.

For more complex issues, raising a support ticket is the best way to get personalized help from the CheQ team.

My Final Take on CheQ

After using CheQ extensively, I can say that it’s a simple, rewarding, and user-friendly credit card bill payment app. 

The clean interface, timely reminders, and 1% CheQ Chips on payments make it a strong option for anyone looking to manage their credit cards more efficiently. 

Plus, with features like Pay Together, Face ID security, and loan offers, it goes beyond just paying bills—it actually makes the process smoother and more rewarding.

That said, there’s still room for improvement. 

Dark Mode is something I’d love to see, and customer support could be more responsive. 

But considering that bill payments are currently free and the app offers some of the best rewards in the segment, it’s definitely worth trying—especially if you’re looking to save while paying your credit card bills.

So, if you’re tired of juggling multiple credit card due dates and want to earn extra rewards on payments you’re making anyway, CheQ is worth checking out. 

Download the app, give it a try, and see if it fits your needs. 

And if you found this CheQ app review helpful, share it with your friends—because who wouldn’t want to save a little extra on their credit card bills?