Table of Contents

Best Apps for Credit Card Rent Pay Why Use a Credit Card To Pay Rent?Benefits of Using Credit Cards to Pay Rent Things to Remember while Paying Rent with a Credit Card How NoBroker Can Help Frequently Asked Questions

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Home Blog Bill payment Best App to Pay Rent: Ultimate Guide for Digital Transactions

Best App to Pay Rent: Ultimate Guide for Digital Transactions

Updated : February 19, 2024

Author : Gautham Ram

Bill payment

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A majority of Indians live or work at rented properties. Some are students studying in new cities, while others are waiting for the right moment to build their dream homes. Whatever the case, renting homes and offices is very common.

With the advent of the Digital India campaign, our country has come up with multiple ways to pay rent, including the usage of many apps. These platforms offer users the choice to pay via multiple modes like credit cards, debit cards, e-wallets, UPI and more. However, the many choices beg the question of which is the best app to pay rent.

Best Apps for Credit Card Rent Pay

Best App to Pay Rent — *These apps are all available on both Android and iOS app markets*

Housing rent payment is a reality many of us have to deal with. However, the modern day doesn’t see every owner and tenant living in the same city or state. Secondly, there’s the question of a person’s availability as well. Additionally, rent payments in cash has declined majorly after the COVID-19 pandemic.

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Thanks to the Digital India campaign, these worries have now been left in the past. The multiple payment modes and apps available today do not require physical interaction of any kind. The following are the best apps to pay rent via credit card available today.

NoBroker Pay

NoBroker Pay is an app available on Apple and Android devices worldwide. It is free to download, has a plethora of features, and is among the best apps for rent payment through credit card. The application comes in handy for people looking to sell/rent/buy properties, make NoBroker rent payments, pay society maintenance fees and college fees, and draft legal documents like PAN cards, ration cards, and rental agreements. The payment methods offered are varied and include the likes of UPI, e-wallets, and credit and debit cards.

Benefits

Inviting friends to use NoBroker Pay lets users get a 50% discount on processing fees.
Helps with earning rewards points while using Mastercard, Visa, or RuPay cards.
Instantly send an invoice to the payer.
24/7 operations make for instant transactions around the clock.
Owners need not be registered on the platform to receive rent via NoBroker Pay.
The platform also allows owners and tenants to create and renew rent agreements.

PayZapp

Another app that pays your rent is PayZapp. It is an app that allows users to pay bills and rent via debit and credit cards. Additionally, the PayZapp rent payment method is available on NoBroker, and it helps users earn extra CashBack rewards.

Benefits

PayZapp allows rent payment via multiple modes like debit and credit cards.
Users can use the platform via NoBroker to earn extra rewards.

Paytm

Another best app to pay rent via credit card is Paytm. It as an app, provides many features that let its users shop, book travel and movie tickets, recharge DTH or phones and also pay rent. Users can make Paytm rent payments via credit cards and debit cards. The app and website also allow users to use its e-wallet and UPI modes.

Benefits

Provides a payment platform for various uses like shopping, travel, rent, and others.
Paytm e-wallet offers on NoBroker can help users earn extra CashBack and rewards over time.

PhonePe

PhonePe app is another best apps for rent payment through credit card. It was launched in 2015 and was a worthy top-spot contender amongst the innumerable competitors. In addition, the app introduced the PhonePe rent payment feature in 2021.

Benefits

Individuals can use debit and credit cards (including American Express cards) for rent payments.
Users do not need to share the rent agreement while paying the rent.

Freecharge

After being founded in 2010, Freecharge was acquired by Axis Bank in 2017. As a result, the Freecharge rent payment function made its way into the app soon enough.

Benefits

Allows users to pay rent via credit and debit cards and internet banking.
Users can earn rewards and CashBack to a certain extent while transacting.

CRED

CRED was launched in 2018 as a credit card bill generation and payment app. It was unique as it offered many rewards and incentives to pay credit card bills on time. In addition, CRED rent pay charges range from 1%-1.5%.

Benefits

Users can get a flat ₹250 off on a rent payment that exceeds ₹10,000. Users can only avail of this offer once.
CRED Partnerships with various banks give rewards for making rent payments via credit cards.

Comparative Study

The multiple apps mentioned above all have their pros and cons. That said, here’s an illustration that can help you get a clearer picture.

Features	NoBroker	Paytm	CRED	Freecharge	PayZapp	PhonePe
Rent Payment	✅	✅	✅	✅	✅	✅
Rental Agreement	✅	❎	❎	❎	❎	❎
College Fees	✅	❎	❎	❎	❎	❎
Society Maintenance Payment	✅	❎	❎	❎	❎	❎
Make Legal Documents	✅	❎	❎	❎	❎	❎
Credit Card Payment	✅	✅	✅	✅	✅	✅
Reward points and CashBack Offers	✅	✅	✅	✅	Extra via NoBroker	✅
Credit Card Charges	1%-1.2% (50% of on referral bonus)	1%-1.25%	1%-1.5%	1.4%-1.5%	Only via NoBroker	1.5%

Why Use a Credit Card To Pay Rent?

Users can use credit cards to pay various bills. In addition, it gives the users a credit line and allows them to earn rewards and CashBack that can be helpful in the long run.

Almost every rent-collecting app features a credit card payment mode. However, family members from the previous generation might have differing views. Credit cards are invaluable tools for students studying in cities away from their hometowns, executives who get their salaries on varying dates, and many more.

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Benefits of Using Credit Cards to Pay Rent

Every credit card transaction entitles users to earn reward points. Every bank has its terms and conditions, but it is a feature provided by all.
CashBack offers are also something to look out for, as various apps have their offerings.
Most cards offer a free credit period of approximately 45 days. This allows users who foot the bill within 45 days to avoid interest charges.
Timely rent payments lead to hassle-free living. This is very important for people who owe rent before their salary is credited each month.
The credit score is of utmost importance today as the price of assets like property and automobiles keep rising. Paying rent via credit cards constantly improves one’s credit score.
The digital age we live in allows for overlooking formalities while paying via credit cards.
Paying rent using credit cards helps users reach the annual spending target to earn extra rewards and sometimes waive the annual charges.

Things to Remember while Paying Rent with a Credit Card

Although every app to pay rent might feature a credit card method, there are certain things users must keep in mind before using a credit card to pay rent.

Things to remember

Payment of rent via credit cards using apps and websites always levies users convenience charges. Individuals should always stay updated with platforms that charge the least.
While paying rent via credit cards can help majorly, using it for everything will result in a declining credit score as it shows that the user is in constant need of money. So try and pay a few bills in cash from time to time.
If an individual cannot pay rent on time, they should speak to their landlord for a grace period. Paying via credit cards in such situations may lead to interest being charged.
Consider the amount of rent before paying it with a credit card. Too high of a rental amount will result in increasing debt. So choose your home wisely or pay in cash.
Individuals who use the autopay feature on a credit card must beware of their credit limits. If the limit is reached, the rent payment will not go through.
Payment of rents that exceed ₹50,000 will need to be supported by a rental agreement on most platforms.
Paying rent via credit cards and paying the credit card bill on time will greatly accelerate the user’s credit score. As a result, loan applications in the future will be easy.
Users who opt to clear credit card bills via EMIs will have to pay massive amounts of interest.
Regular rent payments via credit cards account for up to 30% of the credit score. Missing even one payment cycle can affect the credit score greatly.
Paying rent via credit card must be the last resort for individuals with variable salaries.

How NoBroker Can Help

NoBroker eventually came into being as a bridge of communication between the buyers, renters and sellers of property. The elimination of mediators was the feature the establishment was built around. Over time, however, the platform now offers a multitude of features like rent, society maintenance, college fee payment, property search, legal document assistance, and much more.

NoBroker Pay is the best rent payment app available today. It is featured on both Apple and Android app markets as a free app. It allows users to pay rent and manage payments like college fees and maintenance charges. As a result, it is a one-stop shop for all housing needs.

As far as an app to pay rent via credit card is concerned, NoBroker Pay allows all users to use the method. Using the PayZapp mode, users can also earn extra CashBack and reward points. Credit card payment convenience fees are also the lowest on NoBroker. Users can, however, further save up on the charges by referring the app/website to new users.

Frequently Asked Questions

Q1. What are the charges involved while paying rent via credit cards?

Ans. Different platforms charge different percentages of convenience fees. Users can be charged anywhere between 1%-1.5%, which further sees an addition of GST. NoBroker charges the least and allows users to slash the convenience fee in half by referring the platform to new users.

Q2. Does paying rent via credit cards improve your credit score?

Ans. If users pay their rent and credit card bills on time, their credit score is positively impacted. However, the failure to do so affects the score negatively.

Q3. How many reward points are users entitled to while paying rent via credit cards?

Ans. The answer to this question depends on the platform being used. Additionally, each bank has unique terms and conditions while giving reward points. For example, some cards offer extra reward points while paying rent and utility bills.

Q4. How long does NoBroker take to transfer the rent to the landlord?

Ans. Once users submit the details of the owners and their bank accounts/UPI IDs, NoBroker Pay takes up to 2 days to transfer the amount. However, only the first transaction takes this long due to verification processes. Every payment after that is almost instantly transferred, considering there are no technical difficulties with servers owned by the banks.

Q5. How to pay rent with a credit card?

Ans. To pay rent with a credit card, check if your landlord accepts credit card payments directly, or use a third-party payment service that allows you to make rent payments with a card, possibly incurring a transaction fee.

Q6. How can I pay rent with a credit card without a fee?

Ans. To pay rent with a credit card without a fee, look for rent payment services that have agreements with landlords for fee-free transactions or credit card issuers that offer enough rewards to counterbalance the fee.

Q7. Do users get a rent receipt while paying the rent with a credit card?

Ans. Yes, on NoBroker Pay, they do. Instant e-invoices are sent to the registered email once the payment is successful.