5 Best Credit Card for Utility Bill Payment in India 2024

Credit cards allow you to make big transactions without cash. Most consumers use these cards to pay for travel, shopping, and other purposes. You may also use a credit card to make rental payments and earn rewards. Moreover, there is a benefit of repaying an amount in EMIs or instalments over a certain period when using a credit card.

The advantages of using credit cards are many, and banks and financial institutions have launched various credit cards for different purposes, such as grocery, shopping, travel, and more. But did you know that some credit card companies have special offers for utility bill payment to help you save money when clearing your bills?

Let’s read this detailed guide and choose the best credit card for utility bill payment.

Understanding Your Utility Bill Payment Needs

Before selecting the credit card to pay your utility bills, you must assess your needs. You can compare the credit card options available based on the factors below:

1. 

   The Average Bill Amount

   The bill amount is not the same every month. So, calculate the average amount to determine the potential rewards or cashback you will earn.

2. 

   The Reward Type

   Ask yourself if you want to gather reward points or win cashback. You can also consider airline miles if you fly frequently.

3. 

   Annual charges

   Compare the potential benefits with the annual charges to make sure you are able to profit from your card.

4. 

   The Usage Pattern

   Do you frequently use your credit card for online shopping, dining, or on fuel? Evaluate your usual spending before making a decision.

A solid understanding of these factors will allow you to narrow down your options and pick the right card.

5 Best Credit Card for Utility Bill Payment in India 2024

Here are the top options you must explore:

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1. Axis ACE Credit Card

Joining Fees

₹499

Lifetime Free

No

Annual Fee

₹499

Welcome Benefits

Nill

Cashback & Reward

• Cashback Offer for Every Deal: When you pay your utility bill using this card, you can grab a 5% discount. You will also receive a discount on mobile recharges on Google Pay.
• Fuel Surcharge Waive Off: Your regular driving will be more economical with a 1% fuel surcharge waiver for purchases at all fuel stations in India. It is applicable if your transactions are under the limit of INR 4000. However, there is no cashback on fuel transactions.
• Lounge Visits: You will get 4 complimentary lounge visits every year at eligible domestic airports with your ACE credit card.

2. HDFC Regalia Credit Card

Joining Fees

₹2500 + GST

Lifetime Free

No

Annual Fee

₹2500 + GST

Welcome Benefits

A Gift Voucher worth INR 2,500
Complimentary Club Vistara Silver Tier and MMT Black Gold Membership on spend of INR 1 Lakh or above within 90 days of card issuance

Cashback & Reward

• Gift Voucher: You get a gift voucher of INR 2,500 by paying the membership charge and vouchers worth INR 1,500 if your quarterly spend is at least INR 1.5 lakh. You also get flight vouchers of INR 5,000 if the total annual spend is INR 5 lakh with an additional voucher of INR 5,000 if the spend is 7.5 lakh. You can pay all your utility bills with this card to make sure the total spend is INR 5 lakh or more.
• Reward Points: On every Rs 150, you get 4 reward points.
• Lost or Stolen Card Benefit: You can enjoy the zero liability policy for scam transactions and lost cards.
• Lounge Access: With the Regalia card, you get access to lounges at 1000+ airports. There’s an availability of a Priority Pass for the cardholder and add-on member with extraordinary benefits like 6 complimentary lounge access.
• Welcome Gift: This is an add-on benefit where you get the Vistara Silver Tier Club membership as a welcome benefit.

3. Standard Chartered Super Value Titanium Credit Card

Joining Fees

₹750

Lifetime Free

No

Annual Fee

₹750

Cashback & Reward

• Fuel Benefits: A 5% cashback offer is available when you buy fuel at any Indian station. You may save almost INR 200 every month.
• Utility Bills: You can save up to 5% on your utility bills. However, your bill amount should be at least INR 750. There is an opportunity to grab cashback every month.

4. SBI Card PRIME

Joining Fees

₹2,999 + GST

Lifetime Free

No

Annual Fee

₹2,999 + GST

Welcome Benefits

Welcome e-gift Voucher worth Rs. 3,000

Cashback & Reward

• Welcome gifts: You receive an exciting e-gift voucher with a value of INR 3000.
• Global Acceptance: SBI Card PRIME is accepted globally, including petrol and gas stations.
• Easy Bill Pay Facility: You can pay your mobile, telephone, electricity, and other utility bills with features like AutoPay, Register & Pay, and Fast Pay.
• Renewal Fee Waiver: Your renewal fee is waived if the annual spending is equal to INR 3 lakh or more. Paying all your utility bills using your SBI Card PRIME will help tremendously.

There is also an opportunity to become a member under the Trident Privilege Red Tier. Moreover, you will gain 20 reward points on your birth anniversary.

5. ICICI Platinum Chip Credit Card

Joining Fees

Nill

Lifetime Free

Yes

Annual Fee

Nill

Cashback & Reward

• Reward Points: You get a reward point with every transaction of Rs 100. This is also applicable to the payment of utility bills.
• Fuel Surcharge Waiver: On choosing HPCL pumps to buy fuel, you get a 1% fuel surcharge waiver.
• Joining Fee: There is no joining charge or annual fee for holding this credit card.

Why Use Credit Cards to Pay Utility Bills?

It is a wise move to use your credit card to pay for utilities. Here’s why:

1. Increase your credit score

   Regular and timely utility bill payments will help you gain rewards and raise your credit score.

2. Earn rewards

   Using a credit card for monthly bill payments will give you a chance of winning rewards or discounts.

3. Convenience

   The best credit cards guarantee security and convenience in utility bill payment in the online world.

How to Get the Maximum Benefit from Your Credit Card?

There are a few tricks for getting more returns on your utility bills, such as:

• 01
  Make your monthly payments at the right time to avoid penalty charges and interest; if you delay payments, you may not earn exciting rewards
• 02
  Do your calculation to determine if the charges are higher than the earned rewards. For instance, if your transaction charge is 3% and you earn a 1% reward, you will not get any benefit
• 03
  Turn on auto-payment to avoid missing any payment for your utility bill; it will naturally help you gain maximum rewards
• 04
  Look for other discount offers or options to combine multiple card benefits while making payments to save extra

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Conclusion

Not every consumer has the same needs. So, it is essential to compare different credit card options before you make a choice. This detailed guide will help you find the best credit card for utility bill payment in India. You can start by analyzing the unique benefits each card offers and then understand how they can benefit you based on your spending patterns.

Frequently Asked Questions (FAQs)

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