Top 10 Credit Card to Bank Transfer Apps India [2025]

A credit card to bank transfer app can be a game-changer for small and micro-sized businesses in India. Whether you're managing sudden expenses, facing cash flow issues, or need urgent liquidity, these apps make it easy to transfer money from your credit card directly to your bank account.

In today’s fast-moving business world, especially for MSMEs, managing finances with speed and ease is not a luxury; it’s a necessity. These apps save time, reduce manual efforts, and bring much-needed flexibility to business operations.

Let’s explore the top 10 credit card-to-bank account transfer apps in India in this informative guide.

Top Credit Card to Bank Transfer Apps in India

The Best Apps to Instantly Transfer Money from a Credit Card to a Bank Account are as follows:

1. GimBooks Pay

Proudly made in India, the GimBooks Pay app stands out as the best credit card-to-bank transfer app for small and micro-sized businesses. It’s not just a money transfer tool; it’s a complete financial management platform that integrates invoicing, GST compliance, domain-based bookkeeping, and integrated banking.

Key Features:

Instant Credit Card to Bank Transfers
Integrated bookkeeping & invoicing.
Zero hidden charges on transfers.
Easy UI for beginners and non-accountants.
Supports regional languages for Indian users.

GimBooks Pay is perfect for business owners looking for an app to transfer money from a credit card to a bank account without charges, while also managing other business operations smoothly.

2. CRED

CRED is a well-known credit card payment app that also allows transfers to bank accounts through third-party partnerships.

Key Features:

Transfer funds from credit cards to banks with CRED Cash.
Attractive credit offers for high-score users.
Real-time processing for most major banks.
Simple and clean interface.

Note: Some charges may apply depending on the card issuer and the transfer amount.

3. Paytm

Paytm is a widely used digital wallet and UPI platform that allows you to transfer credit card money to your bank account via its Paytm Postpaid or Wallet service.

Key Features:

Credit card to bank transfer via Wallet (with a small fee).
Option to add and transfer funds through linked credit cards.
Instant transfer with Paytm Wallet to the Bank.
Available 24/7.

Paytm is one of the most accessible credit card money transfer apps, especially for mobile-first users.

4. Mobikwik

Mobikwik offers a smart way to use your credit card for multiple purposes, including direct bank transfers using its Wallet and ZIP credit facility.

Key Features:

Use the Mobikwik Wallet to load money via credit card.
Transfer money to any bank account.
Quick approval and setup for a credit line.
Offers and cashback for new users.

Mobikwik is a good credit card to bank account transfer app, especially if you’re looking for flexibility in fund usage.

5. Freecharge

Freecharge allows users to add money to their wallet using a credit card and then transfer that money to a bank account.

Key Features:

Seamless wallet-to-bank transfer.
Easy-to-use app with quick onboarding.
Cashback offers on wallet loading.
Transparent charges.

While it charges a small transaction fee, Freecharge still ranks among the better options for credit card money transfers.

6. Instamojo

Instamojo is primarily a payment gateway for small businesses, but also allows bank account transfers using credit cards for premium users.

Key Features:

Safe and secure transactions.
Best for sellers and small vendors.
Useful credit transfer options through their payment links.
Invoice-based money transfers.

Instamojo is ideal for business owners who also want to integrate their sales collections with credit card to bank account transfers.

7. LazyPay

LazyPay offers short-term credit lines and EMI options that can be linked to your credit card, and funds can then be sent to your bank account.

Key Features:

Offers instant credit on demand.
Transfer limits depend on credit profile.
Direct transfer to bank accounts.
Low interest in short durations.

LazyPay is a flexible app to transfer money from a credit card to a bank account, especially for urgent needs and emergencies.

8. Creditas (via OneCard)

Creditas offers credit line services integrated with OneCard and allows transferring credit to your bank account on request.

Key Features:

Transparent interest rate.
Quick transfer approvals.
Low processing fee.
Great for salaried professionals and small entrepreneurs.

Although not as popular, this app is rising quickly as a reliable credit card to bank transfer app in India.

9. Slice

Slice is a modern credit card for the new generation and allows cardholders to transfer funds to their bank accounts with simple repayment options.

Key Features:

EMI payments on the transfer amount.
Interest-free period up to 30 days.
Minimal processing charges.
User-friendly design and dashboard.

It’s a good credit card to bank account transfer app without charges, if repaid within the no-interest window.

10. NIRA

NIRA provides small personal credit lines that can be used like credit cards. The borrowed amount can be sent directly to bank accounts.

Key Features:

Offers a small credit line (₹5,000 to ₹1 lakh).
Quick onboarding with Aadhaar and PAN.
Bank transfer is available directly after approval.
Useful for small businesses in need of working capital.

NIRA is perfect for micro-entrepreneurs who need quick funds and prefer credit card money transfer apps that work like digital credit lines.

How to Choose the Right Credit Card for a Bank Transfer App?

When choosing an app for transferring money from a credit card to your bank account, small business owners should consider the following:

Transfer Speed

Look for apps that offer instant or same-day transfers to meet urgent needs.

Charges

Some apps charge between 1.5% to 3% per transaction. Look for apps without hidden fees or unnecessary charges, like the GimBooks Pay app.

User Experience

The app should be easy to use, with minimal setup and quick KYC.

Integration with Business Tools

If you also need invoicing, expense tracking, and banking, choose an app like GimBooks Pay that bundles it all together.

Customer Support

Good support is a must, especially when dealing with money transfers. Check if the app provides 24/7 support or live chat.

Summing Up

Choosing the right credit card to bank transfer app is essential for managing business cash flow, covering sudden expenses, and simplifying financial processes. For small and micro-sized businesses in India, especially those that are mobile-first and GST-registered, the GimBooks Pay app offers the most comprehensive solution.

With added benefits like domain-based bookkeeping, invoicing, GST compliance, and integrated banking, GimBooks not only helps you transfer funds but also manages your entire financial ecosystem all in one place.

So, whether you need a credit card or to bank account transfer app without charges or a full business finance solution, you now know where to start.

FAQs about Credit Card to Bank Transfer Apps

What is a credit card to a bank transfer app?

A credit card-to-bank transfer app allows users to move funds from their credit card directly into a bank account. This feature is particularly useful for managing cash flow or handling urgent business expenses.

Are there any charges for using a credit card to a bank transfer app?

Yes, most credit card-to-bank transfer apps impose a fee, typically ranging from 1.5% to 3% per transaction. It's essential to review each app's fee structure before initiating a transfer.

Is it safe to use a credit card as a bank transfer app?

Generally, credit card-to-bank transfer apps are secure, employing encryption and authentication measures. However, it's advisable to use reputable apps like GimBooks Pay and ensure your device's security features are up to date.

How long does it take to transfer money using a credit card to a bank transfer app?

Transfer times vary by app; some offer instant transfers, while others may take 1-3 business days. Always check the estimated transfer time within the app before proceeding.

Can I use a credit card as a bank transfer app for business transactions?

Absolutely. Many credit card-to-bank transfer apps are designed to support business transactions, aiding in cash flow management and expense tracking. Ensure the app you choose aligns with your business needs.