Best Credit Card for Utility Bill Payment?

When I was looking for the

best credit cards for utilities, I felt

like searching for a mythical creature that offers rewards and convenience in equal measure. There are just so many credit cards in the market that offer great rewards on payments. So, I made a list of credit cards on the basis of their USPs.

Best Credit Card for Utility Bills

• Standard Chartered Super Value Titanium Card:

  This card doles out a cool 5% cashback on both phone and utility bill payments,

  1 reward point per ₹150 on all other spends,

  while also rewarding fuel expenses. 

• Axis Bank ACE Credit Card:

  This card is like a multi-talented juggler, offering 5% cashback on bill payments and 4% cashback on app transactions like Swiggy, Zomato, and Ola. 

• IDFC FIRST Power Cards:

  These cards offer a whopping 15x and 30x reward points on utility payments, depending on the variant. 

• Airtel Axis Bank Credit Card:

  This card lets you convert your reward points into air miles, making your utility bill payments take flight towards exciting travel adventures. 

• ICICI Platinum Chip Credit Card:

  One reward point for every Rs 100 spent on utilities and insurance.

• HDFC Regalia Credit Card:

  Four reward points for every Rs 150 spent, including insurance, utilities and education

But you should remember, cashback and rewards are just two parts of the puzzle. Consider other factors too like annual fees, minimum spends, and bill payment convenience.  With careful research, you can find the

best utility bill payment credit card. 

The majority of credit cards provide reward points or cashback on all purchases, with accelerated gains on specific spending areas. Despite being a significant and necessary portion of your monthly expenses, utility bill payments are typically excluded from reimbursement, providing little to no benefit. However, I've found a few utility bill payment credit cards that offer advantages in the form of increased reward points, cashback, or as a co-branded function. 

Therefore, if you're looking for strategies to reduce the amount you spend every month on your utilities, you can start by getting one of the best credit cards for utility bills.

What is the best card for utility bills?

Some of the best utility credit cards that can help you save on your utility bill payments are mentioned below:

I hope this list of utility bill payment credit cards would help you:)

Read More:

If you know how to use a credit card, it can help you a lot to save money. Also, you can borrow a certain amount and repay the money by the end of the month. Another, important factor about credit cards is that they can help you improve your credit score. So, if you want to invest in an asset you can easily avail loan from the bank. But if you fail to pay the bill on time you can get into the trap of credit card debt which is to get out of. But credit cards offer renewal points or loyalty points where the customers can collect a certain amount of money. These types of offers are generally received for paying utility bills. Different providers offer different types of benefits. I have heard that there are three best credit card for utility bill payments India. Those are:

• Standard Chartered Super Value Titanium Credit Card

• Citi Cash Back Credit Card

• Axis Bank MY Choice Credit Card

Amongst these three I feel Axis Bank MY Choice Credit Card is the best credit card for utility bill payment in India because it offers so many benefits that no other service provider offers.

The charge to join this credit card is Rs.250 and for every year you will be charged Rs. 250. An additional fee of Rs. 150 is needed to design the cards. No additional fee is required for supplementary cards.

• Customers can choose to design their cards by uploading their choice of image in the credit card. 

• Cardholders receive 5% cash back for dining, electronics, fees, utility bills, travel and supermarket bill payments.

• Cardholders can convert transaction amounts to more than Rs. 2,500 and pay them as EMIs.

• Cardholders earn eDGE Loyalty Rewards points and with these can get exciting gifts and offers. On every Rs. 200 spent, you can earn 4 points.

• You will get 100 points on the first online transaction.

I have checked other cards' benefits and after thorough research, I feel Axis Bank MY Choice Credit Card is the best.

I hope you like my answer on best credit card for utility bill payment. 

Read more: