Many individuals in our country don’t own their personal homes, and monthly rent payments form a significant part of their budget. It is usually among their highest expense, and they can pay it with their credit card. In the past, landlords always preferred receiving payments in cash, while some people used NEFT, IMPS, etc., but now the focus is more on digital, paperless transactions. Traditionally, landlords have been reluctant to share their bank account details. However, following the COVID-19 pandemic, digital transactions increased, and people began paying their rent with credit cards, mobile wallets, and other methods. Various third-party apps are available that allow you to pay your home rent using your credit card, even through UPI.
It is recommended to use your credit card to pay rent only if you are certain to pay off your dues in a timely manner; otherwise, you may fall into a debt trap. Many banks have now added charges to discourage third-party rent payments. In this article, we will examine every detail related to making rent payments via credit card, including how to do it, processing fees and charges, available offers, and more.
Latest Offers on Rent Payments – July 2025
MobiKwik
- Use code ‘RENT500’ and get 2% supercash up to ₹500 on making rent payments with credit cards on MobiKwik. The minimum transaction value is set at ₹5,000.
- Those who have completed their KYC on MobiKwik shall be eligible for cashback of up to ₹250 on rent payments made through the credit card mode.
CRED
- Assured cashback up to ₹1,000. Simply pay your rent on CRED via UPI (also valid on other modes of payment) and claim the jackpot from the rewards section of the app. This offer is applicable once per user.
- Get a 15% discount on rent payments via HDFC Tata Neu Visa Credit Cards on CRED. A maximum discount of ₹500 can be availed once per user during the offer period.
- Get a 15% discount on rent payments via HDFC Tata Neu RuPay Credit Cards on CRED. A maximum discount of ₹50 can be availed once per user during the offer period.
- 5% off up to ₹500 on service charges while paying rent through Visa Credit Cards.
No Broker
- Get cashback of up to ₹500 on rental payments made with No Broker.
- 30% additional discount on top brands and platforms like Zomato and Amazon.
RedGirraffe
- Make your rental payments and earn 5% of the transaction value as RedGirraffe CASH Points. The maximum cap is 3,000 RedGirraffe CASH Points.
Housing.Com
- Get 100% cashback upto ₹500 on convenience fees while making your first rental payment with Housing.Com.
Conclusion
If you are considering paying your house rent with your credit card, make sure to consider the advantages and disadvantages we talked about above. Rent payments via credit cards can be great for some, but they can land others in a debt trap. If you are sure about repaying your dues on time, you can pay rent through credit cards and earn exclusive reward points and other benefits.
Different banks charge and offer different offers for rent payments through credit cards, so make sure to keep yourself updated about them. Also, there are many rent payment platforms, and you should choose one that is convenient to use and offers exciting benefits, cashback, and other rewards. With our country rapidly switching to digital payments, rent payments via credit cards are certainly something to consider. However, if your financial condition is not good, you should refrain from using your credit card to pay rent, or your credit score can be negatively affected, and you may get into a mountain of debt.
