Utility charges include electricity, gas, water, etc., and are regular and unavoidable parts of life. While these are necessary expenses, smart consumers can use credit cards to not only simplify bill payments but also earn rewards and cash back. In this comprehensive guide, we review the best credit cards for paying utility bills in India, considering factors such as affordability, perks, and overall benefits. From cash back to reward points, these cards offer ways to save on essential monthly expenses.
Why Do You Need a Utility Bill Payment Credit Card?
Airtel Axis Bank Credit Card:
Empower and Save With Utility Bill Credit Cards:
Choosing a credit card for utility bill payments requires careful consideration of the reward structure, fees, and overall benefits offered by different issuers. Responsible card usage, timely payments, and understanding the specific terms and conditions for utility bill rewards are essential for maximizing savings and building a healthy credit score. Share your insights on the best credit cards for utility bill payments in India in the comments section below.
Why Do You Need a Utility Bill Payment Credit Card?
- Earn Rewards and Cashback: Dedicated credit cards for utility payments provide the opportunity to earn cashback and rewards on essential monthly expenses.
- Build Credit Score: Regular payments for utilities contribute to an improved credit score, establishing a strong credit history.
- Credit Now, Pay Later: Enjoy a 50 to 55-day interest-free credit period, allowing immediate bill payments with the flexibility to pay later.
- Convenience and Ease: Using credit cards for utility bill payments ensures a secure, easy, and convenient process, streamlining payments across various platforms.
Airtel Axis Bank Credit Card:
- Fees: Nil (Joining Fee), Rs. 500 + GST (Renewal Fee)
- Best Suited For: Shopping
- Reward Type: Reward Points
- Welcome Benefits: Amazon Voucher Worth Rs. 500
- First Year Free (FYF) for a limited period, waiving the joining fee of Rs. 500.
- Renewal charge applicable from the second year.
- Notable for its 10% cashback on utility bill payments through the Airtel Thanks App.
- Additional cashback benefits on BigBasket, Swiggy, and Zomato.
- Fees: Rs. 1,499 + GST (Joining and Renewal Fee)
- Best Suited For: Shopping
- Reward Type: Reward Points
- Welcome Benefits: 1,499 NeuCoins on Tata Neu App
- First Year Free under select channels, excluding certain channels from this offer.
- Rewards Tata loyalists with up to 10% NeuCoins on Tata Neu transactions.
- 5% cashback on utility bill payments in the form of NeuCoins.
- Fees: Rs. 499 + GST (Joining and Renewal Fee)
- Best Suited For: Shopping
- Reward Type: Reward Points
- Simplifies bill payments on Google Pay, offering up to 5% cashback.
- Earns cashback on Swiggy, Zomato, Ola, and other expenses.
- Fees: Rs. 2,500 + GST (Joining and Renewal Fee)
- Best Suited For: Shopping
- Reward Type: Reward Points
- Welcome Benefits: Complimentary MMT Black Elite and Club Vistara Silver Tier membership
- Premium card providing 4 Reward Points for every Rs. 150 spent, including utility payments.
- Exclusive benefits and premium travel perks.
- Fees: Nil (Joining and Renewal Fee)
- Best Suited For: Shopping
- Reward Type: Cashback
- Welcome Benefits: Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership
- Increased joining benefits, now offering a one-month EazyDiner membership.
- Enhanced joining benefits worth Rs. 2,500, including increased cashback on the first transaction.
- Popular lifetime free card with 2% cashback on utility bill payments.
- Ideal for frequent Amazon shoppers, offering no joining or renewal charges.
- Fees: Rs. 2,999 + GST (Joining and Renewal Fee)
- Best Suited For: Travel
- Reward Type: Reward Points
- Welcome Benefits: Gift voucher (worth Rs. 3,000) from select brands
- Fees: Rs. 750 + GST (Joining and Renewal Fee)
- Best Suited For: Fuel
- Reward Type: Reward Points
- Welcome Benefits: Up to Rs. 1,500 cashback on fuel transactions in the first three months
| Credit Cards | Joining/Renewal Fee | Cashback/Rewards on Utility Bills | Cashback or Reward Point – Value | Maximum Cap |
| Airtel Axis Bank | FYF (Limited Time) and ₹500 + GST (Renewal) | 10% Cashback | Direct Cashback Against Statement | ₹300 Per Month |
| Tata Neu Infinity | ₹1,499 + GST | 5% NeuCoins on Tata Neu App | 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 |
Empower and Save With Utility Bill Credit Cards:
Choosing a credit card for utility bill payments requires careful consideration of the reward structure, fees, and overall benefits offered by different issuers. Responsible card usage, timely payments, and understanding the specific terms and conditions for utility bill rewards are essential for maximizing savings and building a healthy credit score. Share your insights on the best credit cards for utility bill payments in India in the comments section below.
