Slice 

An app that was made to ease the problem for first-time credit card users. It is a simple tool, which will help make your financial experience quick, efficient, and transparent. This is instead a perfect app for millennials as they are more active in making payments for a variety of uses and may sometimes falter in payments apt payments. By using slice’s Rupay card, either online or offline, you can use it to make payments for over five million merchant companies such as Amazon, Swiggy, Zomato, Myntra, and many more. Also, if one does not have a card and wants to use these apps, (https://creditcardgenerator.one/) can help them get it and avail it.

Let’s look at the features.

• They provide you with a slice card – a zero fee card with no extra charges or hidden fees. Once you have filled all the details, you get a free physical card and a virtual card that you are qualified to use using the slice app. 
• No cost EMI vouchers – this allows you to split up your payments on purchases of up to 6 months with no extra costs. 
• Bank transfers – If you require quick cash or any other emergent purchases, you can quickly transfer money into your bank account using the bank transfer option.

 Benefits

• Credit Line period of upto 1 lakh rupees
• Virtual for smooth online transactions and physical for convenient offline purchases. 
• Can pay over your card limit by the following month or opt for EMI option, with tenures ranging from 2 to 18 months.

 How does it work?

• Install the slice app on your android device
• Fill in the required details about yourself
• Upload KYC documents (ID address proof) & fill in more information for online verification
• Submit your application
• After approval, you will get a credit limit in your slice account

CRED 

This app simply lets you earn rewards every time you pay your credit card bills on time! That is all it takes to win exciting incentives. All you need to have is a CIBIL score of at least 750, and then you can continue to install the app. 

Key features

• You can keep track of your CIBIL score periodically
• If your score is low, it lets you know why and then you can make necessary improvements to bring the score back up
• Add your Credit cards in the CRED app – without giving any sensitive information about the CVV, validity date, and pin, it lets you add as many tags as you’d like, and every time you use a ticket, you will receive one cred coin in that particular card.

Benefits

• Credit coins – every time you pay your bill of a specified amount (let’s say Rs.500), you will receive CRED coins equivalent to the amount paid (500 CRED coins) in your card. You can then use the earned coins to get rewards from different exclusive brands such as UrbanClap, Nykaa, Eazy Diner, Flipkart, etc.
• Credit Gems – this can be obtained for every person you refer CRED to and will earn ten gems. These gems can then be exchanged if you want special offers from exclusive brands!
• Keep track of your Credit score (experience score option) – the only app that allows this feature and is proven to be quite beneficial when it comes to an understanding of why your score is dropping and how to get it back up.

How does it work?

• Step 1: Install the CRED app using Google Pay
• Step 2: Register your mobile number that is registered with your Credit Cards.
• Step 3: You will get approved only if you have a CIBIL Score above 750 (Experian/CRIF Score).

Or, in case if you are disapproved due to a low CIBIL Score, you will be put on the waitlist. Also, you can contact their customer support team for the process of approval.

Once you are approved, you can start adding your credit cards in the CRED app. 

Credit Card Manager 

 An app that purely organizes your credit card information most easily and keeps track of important due dates for payments. The app is entirely offline since it is just an information source for all your given card details. 

Features

– Simple design

– Ad-free

– Works offline

– Due date reminders

– Record transactions

– Statement/outstanding balance estimation

– Mark payment as settled

– Shows statement/due/next due/cut off dates

– Sort cards by longest interest-free period

– Annual fee waiver reminder

– Quickly add a card transaction from an SMS

– Backup/Restore to Dropbox/Google Drive

– No need to worry about an online account being hacked

Benefits

• Offline
• Add as many cards as you’d like
• Reminders
• Show balances and statements

Paytm 

A digital platform (app, site) that allows you to make payments via different app facilities like online banking, debit cards, and credit cards, or by depositing cash through select banks and partners. A hassle-free app that solves all your traveling problems to the ATM by just sending money to any phone number or scanning the QR codes at stores from the app and pay directly from your bank account.

Features

• Bank to Bank money transfer
• Pay online & offline stores
• UPI App, check bank balance instantly
• Mobile recharge & bill payments
• Entertainment: movies, amusement parks, and events tickets
• Deals and discount vouchers
• DTH recharge
• Book train, bus, flight tickets
• LIC premium payment
• Metro card recharges
• Paytm first games and win Paytm cash
• Enjoy Online shopping through Paytm Mall.

How to make Credit card bill payment?

Follow these steps for an easy and convenient way to pay your credit card bills on the Paytm app.

• Go to the credit card payment option/page on the app
• Click ‘Proceed’
• Fill in the details and the bill amount due
• Proceed with payment
• A confirmation mail and message on your phone would be sent once the transaction has been processed. 

SBI Card 

You can access your SBI credit card account by just simply installing the app from your Google Play and add your Credit card online user Id and password and ta-da! If not, you can create your SBI credit card first and then login. Manage your credit card payments entirely virtually and in your comfort. You have two options; to ‘make a payment’ and to ‘track a payment’ There are specific details, which are very secure, are needed to be filled (email address, Card number, mobile number, payment amount)

 Features/ Services it provides

• Online SBI card account
• Scan to Pay
• Can use Touch IB or MPIN to login
• Enhanced security by linking your mobile device with your SBI Card login account
• View Account Summary, card statement, unbilled transactions, and payment history
• E-Store – Book your travel from SBI Card App
• Flexipay – Pay back your big purchases in flexible installments
• Balance Transfer on EMI
• ‘Encash’ for extra cash requirements
• Exclusive offers and deals 
• Reward Redemption

PayPal 

A worldwide online payment platform for all your expenses to be paid through online money transfers. You have to link your credit or debit card to your account simply. 

        How does it work?

• Sign up for free
• Link credit/debit card
• Pay with PayPal at your preferred brands
• You will get an email receipt of your purchase. 

       Benefits

• Send money securely (24/7 transaction monitoring) and around the world 
• Manage money through tracking and monitoring all your transactions
• Legal