Best Credit Cards For Utility Bill Payments in India (2024)
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 Table of Content: Introduction Axis Bank Airtel Credit Card HDFC Tata Neu Infinity Credit Card Axis Bank Ace Credit Card Credit Cult Conclusion FAQs 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: #1. Axis Bank Airtel Credit Card Apply Now 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) Know More 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 #2. HDFC Tata Neu Infinity Credit Card Apply Now 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 Know More 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) #3. Axis Bank Ace Credit Card Apply Now 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 Know More 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.
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