On most credit cards, utility bill payments are excluded from reward earning. However, there are a few cards that offer benefits on utility bill payments in the form of higher reward points or cashback. Some of these cards are co-branded with platforms like Google Pay or Airtel and offer generous value-back if you pay your bills through the associated platform. If you are looking to save on this monthly expenditure, here are the best credit cards for utility bill payments.
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Best Credit Cards for Utility Bill Payments in 2024
Axis Bank ACE Credit Card
Joining fee: ₹499
Annual/Renewal Fee: ₹499
5% cashback on utility bill payments and recharges via Google Pay
4% cashback on Swiggy, Zomato and Ola
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1.5% cashback on other offline & online spends
4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter
1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
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Airtel Axis Bank Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
Up to 25% cashback on transactions at Airtel Thanks app
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10% cashback on utility bill payments via Airtel Thanks app
10% cashback on spends at Zomato, Swiggy and BigBasket
Unlimited 1% cashback on other spends
4 complimentary domestic airport lounge visits every year
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Swiggy HDFC Bank Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
10% cashback on Swiggy food orders, Instamart, Dineout & Genie
5% cashback on online spends
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1% cashback on other spends
Up to Rs. 3,500 cashback in a month
3-month Swiggy One Membership worth Rs. 1,199 on card activation
Renewal fee waived off on Rs. 2 lakh annual spends
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Standard Chartered Super Value Titanium Credit Card
Joining fee: ₹750
Annual/Renewal Fee: ₹750
5% cashback on fuel, telephone and utility bills
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1 reward point for every Rs. 150 spent on other categories
No card annual fee charged for Premium banking customers
Complimentary Priority Pass membership for Premium banking clients
1 free Priority Pass lounge visit per month outside India for Premium clients on satisfying TnC
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Tata Neu Infinity HDFC Credit Card
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
8 domestic and 4 international Priority Pass lounge access per year
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1,499 NeuCoins after the first spend within 30 days of card issuance
1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
Additional 5% NeuCoins on select spends at Tata Neu app/website
Low forex markup fee of 2%
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HDFC Regalia Gold Credit Card
Joining fee: ₹2500
Annual/Renewal Fee: ₹2500
5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward points per Rs. 150 across all retail spends
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Complimentary Club Vistara Silver & MMT Black Elite Memberships
Gift voucher worth Rs. 2,500 on the payment of joining fee
6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers worth Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
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Top Credit Cards for Utility Bill Payments
Below mentioned are the top credit cards offering benefits on utility bill payments, along with other categories:
Joining Fee: Rs. 499Annual Fee: Rs. 499
Key Features & Benefits:
5% cashback on bill payments, DTH and mobile recharges via Google Pay
4% cashback on Swiggy, Zomato and Ola
1.5% cashback on all other spends
4 complimentary domestic lounge visits in a year (on spending Rs. 50,000 in the previous 3 months from the month of access)
1% fuel surcharge waiver (max. Rs. 500 in a month) across all fuel stations on spends between Rs. 400 to Rs. 4,000
Providing 5% cashback on bill payment, DTH and mobile recharges via Google Pay, Axis Ace is a good option if you are looking to save on your utility bill payments. The card also gives 4% cashback on popular dining platforms like Swiggy and Zomato, and 1.5% unlimited cashback on all other spends. However, you can earn maximum cashback of Rs. 500 on the top two bonus categories (5% and 4%) combined. So, if you make no spends under the 4% cashback category, you will be able to get benefits on utility bills of up to Rs. 10,000 in a month, which is a decent value-back for an entry-level card.
Joining Fee: Rs. 500Annual Fee: Rs. 500
Key Features & Benefits:
25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments through the Airtel Thanks app
10% cashback on utility bill payments through the Airtel Thanks app
10% cashback on your transactions at Swiggy, Zomato and BigBasket
1% cashback on all other spends
Amazon e-voucher worth Rs. 500 on the 1st spend within 30 days of card issuance
4 complimentary domestic lounge visits every year, 1 per quarter on spending Rs. 50,000 in the previous 3 months
1% fuel surcharge waiver on your transaction across all petrol pumps in India
Airtel Axis Card is best suited for Airtel users as they can earn 25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments along with 10% cashback on utility bill payments made via Airtel Thanks app. The bank has put capping of Rs. 250 each on the above two categories. This means you can avail benefits on maximum spends of Rs. 1,000 under the 25% cashback category and Rs. 2,500 under the 10% cashback category. You can also get 10% cashback up to Rs. 500 on Swiggy, Zomato and BigBasket, covering two other everyday categories- dining and groceries. Despite limiting the cashback earning, the card can still be a good addition to your wallet if you are an Airtel customer.
Joining Fee: Rs. 500Annual Fee: Rs. 500
Key Features & Benefits:
1% cashback on spends across various categories, including utility bills
5% cashback on online spends across top merchant categories
10% cashback on the Swiggy app for transactions related to food ordering, Swiggy Instamart, Dineout and Genie
Complimentary 3 months Swiggy One membership on card activation
HDFC Swiggy is a co-branded credit card offering accelerated benefits on Swiggy and its partner merchants. Users can earn 10% cashback on spends at Swiggy, along with 5% cashback on online spends at partner merchants. Along with this, cardholders can earn a basic cashback of 1% on utility spends, with a capping of Rs. 500 per month. Though cashback of 1% is quite low, it is still reasonable for a co-branded card designed around dining, groceries and online shopping. Consumers seeking benefits on these categories along with decent value across other spends, including utilities, can consider getting this card.
Joining Fee: Rs. 750Annual Fee: Rs. 750
Key Features & Benefits:
5% cashback on utility bill payments on a minimum transaction of Rs. 750, max. Rs. 100 per month
5% cashback on telephone bill payments on transactions above Rs. 750, max. Rs. 200 per month
5% cashback on fuel expenses, up to Rs. 200 per month, valid on transactions below Rs. 2,000
1 reward point for every Rs. 150 spent on other categories
Complimentary Priority Pass Membership
Standard Chartered Super Value Titanium Credit Card offers benefits across fuel, telephone bill, and utility bill payments. Users can earn 5% cashback across all these categories. However, there is a maximum capping on each category, such as on fuel and telephone bills; you can save up to Rs. 200 per month each. Similarly, on utility bill payments, you can earn a maximum cashback of Rs. 100 on transactions above Rs. 750. Although 5% cashback sounds good, a maximum cashback of Rs. 100 in a month is quite low, as you can maximize benefits on utility bills of only up to Rs. 2,000 per month. If your utility expenses are higher, you can explore other credit cards with a higher capping limit.
Joining Fee: Rs. 1,499Annual Fee: Rs. 1,499
Key Features & Benefits:
5% back as NeuCoins on non-EMI spends at Tata Neu and partner brands such as Air India, Westside, etc.
1.5% back as NeuCoins on non-EMI retail spends on non-tata brand and merchant EMI spends across any brand
1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
1.5% NeuCoins on other spends, including utility bills
Additional 5% back as NeuCoins on select spends at Tata Neu app/ website
Welcome benefit of 1,499 NeuCoins on Tata Neu app on the first transaction made within 30 days of card issuance
4 complimentary international lounge visits per year
8 complimentary domestic lounge access per year
Tata Neu Infinity HDFC is an upgraded version of the Tata Neu HDFC Plus Credit Card. Users can earn rewards in the form of NeuCoins, which can be redeemed for future purchases at Tata Neu or with select partner brands like Air India and Westside. Cardholders earn 5% back in NeuCoins on spends at Tata Neu and its partner brands and 1.5% back in NeuCoins on other spends, including utility bills. There is a monthly capping of 2,000 reward points each for categories such as groceries and insurance payments, but there is no monthly capping on utility spends. However, there might be an overall monthly capping on the accumulated reward points, including all categories. Therefore, users seeking basic benefits on utility bills can opt for this card.
Joining Fee: Rs. 2,500Annual Fee: Rs. 2,500
Key Features & Benefits:
4 reward points per Rs. 150 spent across all categories including insurance, utilities and education
20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
12 complimentary domestic airport lounge visits
6 complimentary international lounge visits with Priority Pass for primary and add-on member*
Myntra, Marriott, M&S or Reliance Digital voucher worth Rs. 1,500 on quarterly spends of Rs. 1.5 Lakh
Flight vouchers worth Rs. 10,000 on annual spends of Rs. 7.5 Lakh
*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.
HDFC Regalia Gold Credit Card is an upgraded version of HDFC Regalia Credit Card. The card majorly offers benefits on shopping and travel categories by offering decent reward points. However, along with other categories, you can earn base reward points (4 per Rs. 150) on your utility bill payments and later redeem them across multiple options as per your convenience. While there is no maximum capping on rewards for utility bill payments, you can earn a maximum of 50,000 reward points in a month, combining all categories. Considering the card’s annual fee and overall benefits, this is a good option if you put most of your expenses on your credit card and want to earn significant reward points across multiple categories.
