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
- Earlysalary Services Private Limited (Formerly known as Ashish Securities Private Limited)
- Poonawalla Fincorp Limited

What we offer
- Min & Max Repayment Period: 3 months to 84 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 support@cheq.one.

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