Introduction: Best Credit Cards for Utility Bill Payments in India
Paying for utilities like electricity, water, gas, and internet can be a significant part of your monthly expenses. However, choosing the right credit card can turn these routine payments into opportunities for rewards, cashback, and other benefits. In this blog, we’ll explore the 3 Best Credit Cards For Utility Bill Payments in India (2024) that offer the best benefits for utilities payments, helping you save money and earn rewards on your essential spending.
3 Best Credit Cards for Utility Bill Payment
Credit Cult Recommendation:
In this blog, we review three standout credit cards for utility bill payments: the Axis Bank Airtel Credit Card, Tata Neu Infinity Card, and Axis Bank Ace Credit Card. Based on our analysis of cashback percentages and overall benefits, here’s our detailed recommendation:
- Joining and Annual Fees: Rs 500
- 25% Cashback on Airtel Mobile, Broadband, DTH & WiFi bill Payments via Airtel Thanks app (Upto Rs 250 per month)
- 10% Cashback on Swiggy, Zomato & BigBasket (Upto Rs 500 Per month)
- 10%Cashback on Utility Bill Payments such as electricity, gas etc. via Airtel Thanks app (Upto Rs 250 per month)
- 1% Cashback on all other spends
- Enjoy 4 Complimentary lounge visits within India (4 Lounge access in a year) on minimum spends of Rs 50,000 in previous 3 months
- Get 1% fuel surcharge waiver on fuel purchases at all fuel stations across India
- Amazon eVoucher worth Rs 500 on your first transaction using your Airtel Axis credit card within first 30 days
- Joining & Annual Fees: Rs 1499 or Lifetime Free
- 5% back as NeuCoins on Utility Bill Payments, DTH & Prepaid Recharges on Tata Neu
- Upto 20% instant discount on spends during TATA PayDay Sale or similar sales (including NeuPass offer)
- 1.5% NeuCoins on UPI spends through RuPay credit card on the TATA Neu App
- Minimum 5% back as NeuCoins on shopping on Tata Neu or TATA Brands
- 1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends
- 1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
- Additional 5% back as NeuCoins for NeuPass Members on transactions done on Tata Neu App/Website
- Complimentary Airport Lounge Access (1/Quarter for International and 2/Quarter for Domestic Airport Lounges)
- Joining and Annual Fees: Rs 500
- 5% cashback on utility bill payments, DTH and mobile recharges via Google Pay (No cashback if paid on any platform other than Google Pay)
- 4% cashback on Swiggy, Zomato and Ola
- 1.5% cashback on all other spends
- 4 Complimentary Domestic Airport Lounge visits in a year
- You might get it as Lifetime free card
- 1% Fuel Surcharge Waiver up to Rs 500 per bill cycle
- Up to 15% off at 4000+ partner restaurants in India
Credit Cult Conclusion
When selecting a credit card for utility payments, it’s important to consider your specific needs and preferences:
For Maximum Cashback on Utilities: The Axis Bank Airtel Credit Card stands out as the best option if your primary focus is on maximizing cashback from utility bills. Its high cashback rate and minimal cost make it a top choice for utility-focused users.
For a Versatile Card: If you’re looking for a credit card that excels in multiple areas, including utilities, the HDFC Tata Neu Infinity Card is an excellent choice. It offers a blend of high utilities cashback and valuable rewards on shopping and other categories, providing comprehensive benefits. The best thing: You might get the Tata Neu card as a lifetime free credit card.
By evaluating these options, you can choose the credit card that best fits your spending habits and financial goals. Enjoy optimized savings and rewards with the right card tailored to your needs!
FAQ: Credit Cards for Utility Bill Payments
1. What are the best credit cards for utility bill payments in India?
Answer: The best credit cards for utilities payments in India include the Axis Bank Airtel Credit Card, Tata Neu Infinity Card, and Axis Bank Ace Credit Card. These cards offer competitive cashback rates and rewards on utility bill payments. The Axis Bank Airtel Credit Card provides the highest cashback specifically for utilities, while the Tata Neu Infinity Card offers versatile benefits across various spending categories. The Axis Bank Ace Credit Card is a great all-around option with no annual fee.
2. How can I maximize cashback on utility payments with my credit card?
Answer: To maximize cashback on utility payments, choose a credit card that offers high cashback rates or rewards specifically for utilities. Cards like the Axis Bank Airtel Credit Card offer exceptional cashback rates on utility bills. Additionally, ensure you use your credit card for all eligible utility transactions and take advantage of any special offers or promotions related to utility payments.
3. Are there any credit cards that offer no annual fee and cashback on utilities?
Answer: Yes, the Axis Bank Ace Credit Card is an example of a card that offers cashback on utilities without charging an annual fee. This makes it a cost-effective choice for those looking to earn rewards on their utility payments while avoiding additional annual charges.
4. What benefits do the Tata Neu Infinity Card offer besides utilities cashback?
Answer: The Tata Neu Infinity Card provides not only substantial cashback on utility payments but also rewards on shopping, dining, and travel. It includes benefits such as higher cashback limits, exclusive offers, and comprehensive rewards across various categories, making it a versatile card for diverse spending needs.
5. How do credit cards with utilities cashback compare to those with travel rewards?
Answer: Credit cards with utilities cashback are designed to maximize savings on essential bill payments, offering high cashback rates for utility expenses. In contrast, travel rewards cards focus on benefits like airport lounge access, travel insurance, and rewards points for travel-related purchases. Choosing between them depends on your spending habits—if you prioritize savings on utilities, a cashback card is ideal; if travel perks are more important, a travel rewards card may be better.
6. Can I use a credit card with utilities cashback for other expenses?
Answer: Yes, credit cards with utilities cashback can typically be used for a wide range of expenses beyond utilities. While they offer higher cashback rates for utility payments, you can also earn rewards or cashback on other purchases, depending on the card’s overall rewards structure. For instance, the Tata Neu Infinity Card provides benefits across various spending categories, including shopping and dining.
7. What should I consider when choosing a credit card for utilities payments?
Answer: When choosing a credit card for utilities payments, consider factors such as the cashback rate offered for utility transactions, any associated fees, and additional rewards or benefits. Evaluate whether the card provides a high cashback rate specifically for utilities and if it offers value in other spending areas. Also, check for annual fees and other costs to ensure you get the best overall value.
Disclaimer: This blog may include partnered links, but this does not affect our rankings or reviews. Our goal is to provide unbiased information to help you make the best decision.
Hey Readers,
We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your needs. For additional insights, don’t miss our exclusive post where we reveal the best credit cards in India that offers railway lounge access. It’s a fantastic option if you’re looking for complimentary lounge benefits.
Happy reading, and enjoy your journey with the right credit card!
– Saurabh, Credit Cult