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Federal BankElectricity, gas, and water are essential expenses that we all have to pay for regularly. Since these are necessities that we use every day, we pay for them on a monthly basis. Utility bill payments are unavoidable, but we can earn rewards and cashback for paying them. CardInsider has created a list of the best credit cards for utility bill payments. With these best credit cards for utilities, you can save on your utility expenses, whether it’s for gas, electricity, telephone, mobile, or water payments. This is necessary because not all credit cards offer rewards for utility payments, so it’s best to keep track of those that do and maximize your savings.
In this article, we will discuss the best credit cards for utility bill payments in India. We have compiled a list of cards from top issuers in the country, keeping in mind two essential criteria. Firstly, the cards should offer cashback or reward points on utility bill payments, and secondly, they should be affordable for everyone. We have excluded premium credit cards from the list because they usually have a high joining fee, even though they offer a decent reward rate on utility bills. Let’s take a look at the best credit cards for utility bill payments by CardInsider.
List of Top Credit Cards for Utility Bill Payments
Airtel Axis Bank Credit Card
With a modest annual fee of only Rs. 500, this card welcomes its users by offering an exclusive Amazon gift voucher. Being a cashback credit card it provides an attractive 25% cashback on Airtel Mobile, DTH, and broadband bill payments made through the Airtel Thanks app. Additionally, users can enjoy a 10% cashback on water, gas, and various other utility bill expenditures via the Airtel Thanks app, along with a 10% cashback on transactions with partner merchants.
Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank and Tata Neu have partnered to launch the Tata Neu Infinity HDFC Bank credit card. The partnership has resulted in two co-branded credit cards, the Tata Neu HDFC Bank Infinity Credit Card and the Tata Neu HDFC Plus Credit Card. The Infinity variant is the premium one and offers various exclusive benefits across different categories. It charges an annual fee of Rs. 1,499 and welcomes the cardholders with benefits of an equivalent monetary value. With a reward rate of up to 10%, it is considered one of the best shopping credit cards available in India.
Axis Bank ACE Credit Card
The Axis Bank ACE credit card, launched in partnership with Google Pay and Visa, intends to take advantage of the growing popularity of online payments in the country. The card offers several benefits, including 5% cashback on payments for electricity, gas, water, and internet bills made through the GooglePay application. Additionally, customers can receive 4% cashback on popular merchants such as Swiggy, Zomato, and Ola. The target audience for this credit card is young professionals who frequently use these merchants and are new to the credit scene.
HDFC Bank Regalia Gold Credit Card
The Regalia credit card range offered by HDFC Bank is highly sought after as it provides excellent travel and lifestyle privileges to its cardholders. The Regalia Gold credit card comes with exclusive rewards and offers, allowing individuals to travel luxuriously and shop in style. The annual fee for the Regalia Gold card is Rs. 2500. Individuals receive 4 Reward Points on every retail spend of Rs. 150 and an accelerated 5x Reward Points on every Rs. 150 spent in-store and online at Nykaa, Reliance Digital, Myntra, and Marks & Spencer.
Amazon Pay ICICI Bank Credit Card
This amazing co-branded credit card was launched by ICICI Bank in collaboration with Amazon India, and it’s already becoming a top pick among online shoppers in India. In fact, it’s quickly gaining popularity as one of the best credit cards for shopping, particularly for Amazon customers. What’s so incredible about this card is that you get rewarded with cashback in the form of an Amazon Pay balance. Make your shopping experience rewarding with the Amazon ICICI Bank Credit Card.
SBI Prime Credit Card
Looking for a credit card that matches your lifestyle? Look no further than the SBI Prime Credit Card from SBI Card! While it comes with a Rs. 2,999 annual membership fee, don’t be discouraged. This card has a ton of value-added benefits that make it well worth the investment. You’ll enjoy complimentary access to airport lounges both domestic and international, discounts on hotel bookings, and even free movie tickets!
Standard Chartered Super Value Titanium Credit Card
The Standard Chartered Super Value Titanium Credit Card is a valuable card that provides exciting cashback and reward offers for your day-to-day expenditures. The card is free for premium banking customers, while an annual fee of Rs. 750 is charged for others. With this card, you can get up to 5% cashback on utility bill payments, fuel transactions, and phone bills. Additionally, you can earn 1 reward point for every Rs. 150 spent on all other categories.
Latest News for Utility Bill Payments Credit Cards
March 2024
- The maximum cashback on utility bill payments with the Airtel Axis Bank Credit Card has been reduced from ₹300 per month to ₹250. The first-year free offer for this card has also been terminated.
January 2024
Stay updated with the latest happenings for utility bill credit cards.
- Airtel Axis Bank Credit Card can be availed as First Year Free for a limited time period. Under this offer, you won’t have to pay the joining fee of ₹500 for the first. The renewal charge shall be applicable from the second year.
- Under select channels, Tata Neu Infinity Credit Card can also be availed as First Year Free. This offer is not available across all channels.
- The Amazon Pay ICICI is now offering a one-month EazyDiner membership as a joining benefit. It is important to note that this offer is only available for a limited period. Previously, joining benefits worth ₹2,000 were provided, but this has now been increased to ₹2,500. For example, cashback on the first transaction with the Amazon card increased from ₹200 to ₹300.
Cashback and Reward Points Comparison Earned on Utility Bills for Different Credit Cards
| Cards | Joining/Renewal Fee | Cashback/Rewards on Utility Bill Payments | Cashback or Reward Point – Value | Maximum Cap |
| Airtel Axis Bank Credit Card | ₹500 + GST | 10% Cashback | Direct Cashback Against Statement | ₹250 Per Month |
| Tata Neu Infinity | ₹1,499 + GST | 5% NeuCoins on Bill Payments Made on Tata Neu | Cashback as NeuCoins. 1 NeuCoin = ₹1 | Fair Usage Policy |
| Axis Ace Credit Card | ₹499 + GST | 5% Cashback | Direct Cashback Against Statement | ₹500 Per Statement Cycle |
| HDFC Regalia Gold | ₹2,500 + GST | 4 Reward Points/Spend of ₹150 | 1 RP = ₹0.20 | 50,000 RPs in a Statement Cycle |
| Amazon Pay ICICI | Lifetime Free | 2% Cashback on Utility Bill Payments | Cashback as Amazon Pay Balance | No Cap (Unlimited) |
| SBI Prime Credit Card | ₹2,999 + GST | 20 Reward Points/Spend of ₹100 | 1 RP = ₹0.25 | 3000 Reward Points Per Month |
| SC Super Titanium Credit Card | ₹750 + GST | 5% Cashback on Minimum Payments of ₹750 | Direct Cashback Against Statement | ₹100 |
Top 5 Credit Cards for Utility Bill Payments – Review
Have a look at our review of the top 5 credit cards for utility bill payments in India. These exclusive cards offer amazing rewards and discounts on your monthly payments of electricity, gas, water, DTH, and recharges. You can also avail of special discounts on popular brands and save big on your purchases. These credit cards are a great way to make your utility bill payments more rewarding.
Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card is one of the most dynamic credit cards for utility bill payments in the Indian market. It is most beneficial for people who have subscribed or regularly use Airtel services. However, the benefits of this card are not limited to Airtel users. You get 10% cashback for utility bill payments made on the Airtel Thanks App. Although there is a cap of Rs. 300 per month, considering the reward rate of other cards, this is quite unique and rewarding. Apart from this, you can also get great cashback on BigBasket, Swiggy, and Zomato.
Tata Neu Infinity
The Tata Neu Infinity Credit Card opens up endless rewards and benefits for Tata loyalists. You can earn up to 10% NeuCoins on transactions made on the TataNeu app. Utility bill payments will earn you 5% cashback in the form of NeuCoins. These NeuCoins can be redeemed both online and offline at Tata brands and stores. What’s even better is that with this card, you will receive 1.5% NeuCoins on UPI transactions.
Axis Ace Credit Card
When it comes to utility payments, the Axis Ace Credit Card is a true ace. Packed with features that cater to your everyday needs, this card simplifies bill payments while rewarding you for your expenses. You can pay your utility bills on Google Pay with this card and earn cashback of up to 5%. This card earns 4% cashback on Swiggy, Zomato, and Ola and 2% cashback on all other spends, with a focus on utility bill payments.
HDFC Regalia Gold
This credit card offers luxury and rewards to its customers. It is known for providing exclusive benefits and amazing rewards. You can earn 4 Reward Points for every Rs. 150 spent on this credit card, including utility payments. The reward points you earn can be redeemed for flight/hotel bookings, transferred to Airmiles, used for products, vouchers, or even for cashback. Additionally, the Regalia Gold card provides premium travel benefits.
Amazon Pay ICICI
The Amazon Pay ICICI Credit Card is one of India’s most popular credit cards, loved by many. It is an ideal cashback credit card designed for frequent Amazon consumers. If you regularly shop on Amazon, this credit card is a must-have. The best part is that it comes with no joining or renewal charges, making it a lifetime free card. When it comes to utility payments, you can enjoy a 2% cashback on your monthly bills for gas, electricity, and water.
Why You Should Have a Credit Card for Utility Bill Payment?
Earn Rewards and Cashback
To earn cashback on your utility bill payments, you need a credit card that rewards such payments. Keep in mind that many credit cards have specific terms and conditions for utility bill payments. Therefore, it’s crucial to have a dedicated credit card for paying your utility bills. This way, you can save on your regular expenses. For example, we all pay electricity bills on a regular basis, but with the Airtel Axis Credit Card, you can earn 10% cashback on them. If your bill is Rs. 500, you would have instantly saved Rs. 50.
Helps Build Credit Score
When you make regular payments for utilities, not only are you rewarded for these, but your credit score would also increase. You are utilizing your credit and earning rewards at the same time. All you have to do is pay your credit card bills on time, and you will see a strong foundation for your credit history.
Credit Now, Pay Later
With a credit card, you can immediately pay your utility bills and then pay it back when your statement is generated. Each card usually has a 50 to 55 day interest-free credit period. This is the most basic and convenient feature of a credit card. You can make bill payments without having to worry about it and pay your due at a later date.
Convenience and Ease
Using credit cards for utility bill payments offer ease, convenience, and, above all, security. You won’t have to deal with multiple other methods of payment. Simply pay, take out your card, and pay your bills online. There are several apps available where you can save your card information under the new RBI guidelines and make easy payments each time. Whether it’s an app like Airtel Thanks, Amazon Pay, or Cred, using credit cards for utility bill payments are super easy.
How We Compiled Our Top Picks of Credit Cards for Utility Bill Payments?
This article went through a lot of in-depth research. We explored many options, including obscure credit card terms and talkative chat rooms, before comparing the final list. At CardInsider, we aim to provide the best information so that people can make informed financial decisions. We present accurate information in a simple format and make sure to update our articles from time to time.
We’re constantly keeping up with the latest developments in the world of credit cards in India to make sure our efforts are always on the cutting edge.
Empower and Save With Credit Cards for Utility Bill Payments
When choosing credit cards for utility bill payments, it’s important to compare the reward structure and fees offered by different card issuers to ensure that they align with your financial goals. Additionally, it’s crucial to use the card responsibly and pay the balance in full each month to maximize its benefits and build a healthy credit score.
Share your views regarding the best credit cards for utility bill payments in India in the comments below.
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Thanks to CardInsider for simplifying the process of determining the best credit card for paying your utility bills. This insightful blog provides clarity and valuable comparisons to help users make informed decisions and maximize value