Can You Pay Credit Card Bills on Amazon?

Amazon has recently introduced a convenient feature allowing users to pay their credit card bills directly through the Amazon Pay section of their website and app. This feature provides a hassle-free way to manage your credit card payments from the comfort of your home or office. However, it's important to note that Amazon Pay balance cannot be used for these payments, and only certain payment methods are currently available.

The Current Payment Options

When using the new payment feature, Amazon restricts the payment options to NetBanking and UPI (Unique Payment Interface) apps. To make a payment via UPI, you need to enter your UPI ID, which can be linked to your bank account or mobile wallet. This ensures secure and efficient payment processing, but it introduces a slight inconvenience compared to using a balance or credit card.

How It Works

To pay your credit card bill using Amazon Pay, follow these steps:

Navigate to the Amazon Pay section on the website or app. Locate the option to make a payment. Choose your preferred payment method (NetBanking or UPI). Enter your UPI ID to complete the transaction.

Challenges and Rewards

One of the main challenges with this new feature is that it does not offer any rewards or cashback for credit card bill payments, unlike some other platforms. This means that users who are accustomed to earning rewards for other types of payments may not find this feature as appealing. However, Amazon offers an incentive to users who opt for this method: a Rs100 discount on purchases that meet a minimum amount when paying a credit card bill of Rs5000 or above using Amazon Pay UPI.

For example, if you pay a credit card bill of Rs5000 using Amazon Pay UPI and then make a purchase of at least Rs500, you will receive Rs100 off your purchase. This can be a substantial savings for users who regularly make large credit card payments and have remaining funds on Amazon to spend.

Comparison with Other Platforms

It's worth noting that other platforms such as CRED offer cashback on credit card bill payments, which can be more attractive to users who prioritize financial rewards. CRED, for instance, allows users to pay their credit card bills and earn cashback on each payment, making it a popular choice for those looking to maximize their financial benefits.

As an example, when asked about using Amazon Pay for credit card bill payments, a user commented: 'Yes, recently they started that facility. But I have not used it. I pay my credit card bills through CRED and get some cash back each time I pay.' This demonstrates the current popularity of CRED among users who benefit from the cashback incentives.

Conclusion

In conclusion, Amazon Pay has introduced a convenient feature for paying credit card bills, but it comes with certain limitations and challenges. While it does offer a discount for large payments, it doesn't provide rewards or cashback rewards like some other platforms. Users should carefully consider their financial goals and preferences before choosing to use this feature. For those who prioritize rewards, services like CRED might still be a better choice.