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 & 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.

• Rewarding RuPay UPI Payments
Scan. Pay. Earn 1.5% CheQ Points on all RuPay payments on UPI. Make bill payments 3X faster with CheQ UPI.

• 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: CheQ AU Lifetime Free Credit Card
Earn 12% Points on paying your utility bills, flight & hotel bookings, & on your favourite brands like Amazon, Flipkart, Unicorn Stores (Apple), Zomato & BigBasket.
Get 5% rewards on 10,000+ brands like Myntra, Zepto, Uber & more across dining, travel, shopping & beyond.
Earn 2.5% on CheQ UPI
Earn 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
Earlysalary Services Private Limited (Formerly known as Ashish Securities Private Limited)
Amica Finance Pvt. Ltd
Poonawalla Fincorp Limited

What we offer
Min & Max Repayment Period: 3 to 84 months
APR: 13.5% - 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 P