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Paying utility bills such as electricity, water, gas, and broadband is a necessary monthly expense for the majority of Indian households. With growing inflation placing strain on finances, it is critical to discover efficient and cost-effective ways to manage bill payments. Using credit cards that give rewards and cashback on utility payments is one possibility.
However, with dozens of credit card alternatives on the market, determining which cards are best suited for utility payments can be tricky. In this post, we look at some of the best credit cards for paying power, cellphone, DTH, and other typical home bills. Cashback amounts, reward point earning rates, payment due dates, late payment penalties, and other terms and conditions are all considered.
Our research attempts to assist readers in identifying the one or two credit cards that best match their monthly spending habits and utility bill amounts. We also offer advice on how to maximize rewards by carefully scheduling payments and avoiding interest costs. Consumers can save hundreds of rupees each month on charges they would have to incur anyhow by selecting the correct credit card and using it intelligently.
Featured Partners
1
SimplyCLICK SBI Credit Card
Annual Fee
INR 499+ taxes
Welcome Gift
INR 500 worth e-gift card from Amazon
Features
1% Fuel Surcharge Waiver on transactions between INR 500 and INR 3000, Get e-Vouchers worth INR 2000 for annual online spends of 1 Lakh
On SBI’s secure website
2
HSBC Cashback Credit Card
Annual fees
INR 999 (which will be reversed if the total annual spend exceeds INR 200,000)
Cashback features
10% accelerated cashback on dining, food delivery and grocery spends (up to INR 1000 per billing cycle); 1.5% unlimited cashback on other spends* (exclusions apply)
Other benefits
4 complimentary domestic lounge visits per year (1 visit per quarter)
3
IndusInd Bank Legend Credit Card
Annual Fee
INR 9,999 + GST
Welcome Benefits
Complimentary Stay at Oberoi Chain of Hotels.
Features
Free Movie Tickets on BookMyShow, 2x Rewards on Weekend spends, Access to 700+ lounges worldwide
On IndusInd Credit Card Application
4
AU Bank Altura Plus Credit Card
Annual Fee
499 + applicable taxes
Welcome Benefits
Gift vouchers
Features
1.5% Cashback on all POS retail spends, 1% Fuel Surcharge Waiver on transactions between INR 400 and INR 5,000.
On AU Bank’s secure website
5
Standard Chartered Rewards Credit Card
Rewards
4 reward points* per INR 150 on all retail spends (excluding government, insurance and fuel spends)
Joining Fees
Nil (2nd year onwards the annual fees will be reversed on spends of INR 3,00,000+ in the previous year)
Fuel Surcharge Waiver
Upto 1% Fuel Surcharge waiver (terms and conditions apply)
On Standard Chartered bank’s website
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Best Credit Cards for Utility Bill Payments in India
- Standard Chartered Super Value Titanium Credit Card
- HDFC Regalia Credit Card
- Airtel Axis Bank Credit Card
- ICICI Platinum Chip Credit Card
- Axis ACE Credit Card
Top Credit Cards for Utility Bill Payments in India
FEATURED PARTNER OFFER
Standard Chartered Super Value Titanium Credit Card
On Standard Charterered's secure website
Why We Picked It
One of the well-known fuel credit cards that offers 5% return on petrol costs is the Standard Chartered Super Value Titanium Credit Card. On the other hand, it also provides 5% return on utility and phone bill payments. If you use your credit card to pay the majority of your bills, this is a smart option. This credit card offers additional perks like Priority Pass Membership and reward points on other categories in addition to bill payment.
Key Features
- A maximum cashback of INR 100 per transaction (with a minimum transaction of INR 750) of 5% cashback* on utility bills. A maximum of INR 100 in cashback can be earned per month.
- 5% cashback* with a minimum transaction amount of INR 750 is available on phone bills. Subject to a maximum cashback of INR 100 per purchase, you can earn up to INR 200 in cashback every month.
- 5% cashback* on fuel purchases at all gas stations, up to INR 200 per month (maximum payout of INR 100 per transaction). All purchases totaling less than INR 2,000 are qualified for cashback.
- When you use your credit card for all other expenses, you will receive 1 reward point for every 150 rupees.
- Customers of premium banking are eligible for a free Super Value Titanium Card with no annual fees and a free Priority Pass membership.
Eligibility Criteria
- Minimum age of 21 years.
- Minimum monthly income of INR 55,000.
- Latest one or two salary slips (not more than three months old), latest form.
- 16, last three months’ bank statement.
Pros & Cons
- Attractive 5% cashback on fuel, utility bills, and phone bills.
- Additional benefit for premium banking customers.
- Long credit period of 51 days.
- Complimentary airport lounge access.
- Monthly reward earning limit.
- All other expenditures have a lower than average reward rate.
FEATURED PARTNER OFFER
HDFC Regalia Credit Card
On HDFC's secure website
Why We Picked It
The HDFC Regalia Credit Card primarily provides advantages in the areas of travel and shopping by awarding you with respectable reward points. But in addition to other categories, you may also accrue reward points for paying your utility bills, which you can then use to your convenience to redeem them for a variety of different products. If you use your credit card for the majority of your purchases and are trying to find a way to accrue reward points, this is a fantastic choice. On the other hand, if you are willing to pay a larger annual cost than with other options, you should apply for this card.
Key Benefits
- 4 reward points for every INR 150 spend on insurance, utilities, and education.10,000 bonus points for meeting spending targets.
- 12 complimentary visits to airport lounges in India every calendar year, at both domestic and international terminals.
- Outside of India, a complimentary Priority Pass membership with six gratis lounge visits per calendar year is provided.
- Your transactions will incur a 2% foreign currency markup fee.
Eligibility Criteria
- Salaried or Self-employed
- INR 1 lakh p.m.
- ITR > INR 12 lakh p.a.
Pros & Cons
- Easy to redeem cashback directly into your bank account.
- 24/7 priority customer support for cardholders.
- First year fee waiver on spending minimum amount.
- Option to pay multiple bills together in one go.
- Worldwide acceptance of the card.
- Physical card needed for online bill payments.
- Minimum income criteria may be difficult for some to meet.
FEATURED PARTNER OFFER
Airtel Axis Bank Credit Card
On Axis' secure website
Why We Picked It
The co-branded Airtel Axis Bank Credit Card is intended only for Airtel useINR You may use the Airtel Thanks app to pay your bills online and save up to 25% when you use this card. Benefits from this credit card include cashback, coupons, and savings. The good news is that, in addition to the Airtel Thanks app, you can also benefit from your transactions. Discounts on well-known brands like Swiggy, Zomato, and BigBasket are also available. If you now use Airtel or are considering using it, this credit card is ideal for you.
Key Benefits
- Through the Airtel Thanks app, you may get a 25% cashback on Airtel Mobile, internet, WiFi, and DTH bill payments.
- 10% off electricity bill payments made through the Airtel Thanks app
- 10% cashback on Swiggy, Zomato, and BigBasket transactions
- 1% rebate on all other purchases
- Every year, four complimentary domestic lounge visits are provided.
- Your transaction will be subject to a 1% fuel fee waiver across all petrol pumps in India.
Eligibility Criteria
- To be the principal cardholder, you must be between the ages of 18 and 70.
- You must be an Indian citizen.
Pros & Cons
- Highest cashback on bills at 5% with no annual fee or caps
- Generous 45 day interest-free period for payments
- Complementary airport lounge access adds value
- Easy online bill payments through Airtel Payments Bank
- Annual fee of INR 500 waived only if annual spend is more than INR 1 lakh.
FEATURED PARTNER OFFER
ICICI Platinum Chip Credit Card
On ICICI's secure website
Why We Picked It
The ICICI Platinum Chip Credit Card is a no-interest, lifetime card that is intended for those with no credit history. With this card, you can get reward points equivalent to a minimal amount back for paying your utility bills. You can accrue incentives and bonuses for your transactions in other categories in addition to paying your utility bills.
Although you can get rewards for paying your utility bills with this credit card, its larger benefits in the retail area make it more suited for spending on shopping. If you would like to receive some minimal benefits from your power bill payments, you may still give it some thought.
Key Benefits
- 1 point for every INR 100 spent on utilities and insurance.
- 2 points every INR 100 spent on retail goods (excluding petrol).
- Use your reward points to get movie and vacation vouchers, lifestyle items, and other merchandise.
- Use your ICICI Credit Card to save up to 15% on dining bills at over 2,500 restaurants around the country.
- On transactions of up to INR 4,000, you will receive a 1% fuel price waiver at Hindustan Petroleum fuel pumps.
Eligibility Criteria
- Professionals, salaried individuals.
- Minimum 6 months in current employment.
Pros & Cons
- Easy to manage bills under one card.
- Round-the-clock customer support.
- Earn rewards on other regular spends as well.
- Build credit history with responsible usage.
- Digital tools to track spending and payments.
- Can set spending limits for better budgeting.
- Annual fees may be introduced in the future.
- Rewards have an annual capping amount.
FEATURED PARTNER OFFER
Axis ACE Credit Card
On Axis' secure webiste
Why We Picked It
One of the best credit cards with cashback is the Axis ACE Credit Card, which offers 5% back on bill payments and DTH recharges. In addition, you can receive 4% cashback on purchases made through apps like Ola, Zomato, and Swiggy. This credit card might be a good alternative for you if you pay the majority of your bills online using Google Pay and are trying to find a way to cut costs.
In addition to rebates, you can take advantage of discounts on restaurants, free lounge access, reversals of joining or yearly fees, and much more.
Key Benefits
- Google Pay offers 5% reward on bill payments, DTH, and cellphone recharges.
- Cashback of 4% on Swiggy, Zomato, and Ola.
- 2% cashback on all other purchases.
- A year includes four complimentary domestic lounge visits.
- 1% fuel fee remission (up to INR 500 per month) for transactions between INR 400 and INR 4,000 at all fuel stations.
- Save up to 20% at over 4,000 participating restaurants.
Eligibility Criteria
- Salaried or self-employed.
- 18-70 years.
- Minimum income: INR 25,000/month.
Pros & Cons
- Highest cashback rate on bills.
- Long payment window.
- Fuel surcharge waiver.
- Lounge access for premium users.
- Annual fee waiver requires INR 50,000 annual spend.
- Interest levied at 36% on unpaid bills.
How Does a Credit Card for Utility Bill Payments Work?
Credit cards that give rewards for paying utility bills let users use their credit limit to make monthly payments for a variety of household expenses. Customers can receive a specific % payback on the transaction amount or reward points when they pay with the assigned credit card.
The benefits obtained are determined by the particular card’s program. Typically, points can be exchanged for items, gift cards, trips, or discounts on future purchases. Direct credit of cashback is made to the cardholder’s statement. It’s crucial to remember that rewards are only available for the billed amount; interest and other fees are not.
Customers must give the relevant utility service providers their credit card information in order to use the card to pay bills. Next, bills can be paid automatically with recurring payments or manually each month. To prevent interest, the entire amount billed must be paid back on the credit card by the due date. Selecting auto-pay ensures optimal rewards and timely payments.
Customers can gain a lot from cashbacks and rewards on typical household expenses that are unavoidable with smart preparation. Because of this, using credit cards to create monthly savings is a feasible choice.
Benefits of Credit Card for Utility Bill Payments in India
Due to their distinct benefits, utility payment credit cards are growing in popularity, particularly in a world where utility payments are increasingly being made digitally. These cards provide users with numerous advantages designed especially for utility transactions in addition to the ease of controlling their monthly expenses. The following are some of these cards’ main attributes and advantages:
No Annual Fees
Numerous organizations provide a free credit card that is mainly intended for the payment of utility bills. These cards offer an instant financial benefit by lowering the upfront charges, guaranteeing that customers begin saving as soon as they obtain the card—in contrast to traditional cards that come with yearly fees. This feature is especially appealing to people who wish to have as little financial obligations as possible.
Read more: Best Lifetime Free Credit Cards
Higher Reward Points
Credit cards that accept utility payments frequently award reward points for utility purchases in excess of standard ones. These points add up rapidly and can be used for a variety of benefits, including cashbacks, gifts, and discounts. These benefits have the potential to provide the cardholder with significant savings and advantages over time.
Minimized Transactional Costs
Transaction costs are frequently an unnoticed financial burden. Credit card users can make payments without worrying about additional fees because credit card charges for utility payments are typically minimal or nonexistent. Because they are more affordable, people are encouraged to use digital transactions more frequently.
Exclusive Partnerships and Discounts
Numerous cards offer exclusive discounts or promotions to cardholders through partnerships with utility companies. Because of this partnership, customers frequently pay less for their utilities than the going rate, which results in large yearly savings.
Robust Security Protocols
Modern security features are frequently included with these cards, guaranteeing that every transaction is safe from dangers Users can feel secure in every transaction knowing that their financial information is protected thanks to this.
Adaptable Credit Limits
A credit card for utility payments is made with the needs of the user in mind. In order to guarantee that a person is always within credit when paying a bill, the utility payments credit card limit is adjusted based on the person’s usual monthly expenses. This offers flexibility and peace of mind.
Who Should Opt for a Credit Card for Utility Bill Payments?
Credit cards that allow utility payments have made a name for themselves in the banking industry by attracting those who deal with regular utility bills. These cards provide a customized solution for individuals looking for more from their regular payments. They are made to maximize savings and give unparalleled convenience. Let’s examine who these specialized credit cards are most likely to help:
High Utility Spenders
The incentives value in utility payments spent is advantageous for those with high monthly utility costs. Every payment made results in points or cashbacks, which over the course of the year can add up to significant benefits or savings.
Budget-Conscious Individuals
Those who are constantly looking for methods to save money will find particular appeal in the benefits of the free credit card for utility bills. These cards, which offer value without additional costs, can easily fit into a thrifty lifestyle because they have no annual fees and extra cashback.
Tech-Savvy Users
The promise of credit cards and utility payments may be fully realized by people who are at ease with digital transactions and internet banking. Their financial management is streamlined and efficient because of features like auto-pay, fast notifications, and online rewards redemption.
Frequent Movers
Individuals who frequently move for job or personal reasons may find it advantageous to use a centralized system to handle several utility bills from various towns or suppliers. These cards streamline the procedure, guaranteeing prompt payouts and steady incentives.
Busy Professionals
Individuals with busy schedules may overlook deadlines. Utility payment credit cards, with their auto-pay options and payment alerts, guarantee that bills are paid on schedule, avoiding late fees and preserving a good credit score.
Rewards Enthusiasts
These cards will be satisfying to those who enjoy accruing and using points for rewards. By concentrating on utilities, you may maximize your card experience overall by accumulating points more quickly and gaining access to a variety of rewards, discounts, and cashbacks more quickly.
How to Choose the Credit Card for Utility Bill Payments in India?
A few things to think about when you’re ready to apply for the greatest credit card in India are as follows:
Consider Your Monthly Spend
Analyze how much you typically spend each month on utilities such as gas, electricity, water, and broadband as well as DTH. This will assist in determining which credit cards, within your spending limit, provide the best rewards %. Annual fee cards might only be worthwhile if your spending exceeds a certain threshold.
Compare Rewards Structures
Optimal credit cards provide a 1% to 5% reward on utility bill payments. Some offer reward points that can be redeemed in different ways at different rates. Examine arrangements to optimize enduring savings according to your invoice amounts. While point-based cards are preferable for larger purchases that are redeemed as presents, flat payback cards are better for smaller purchases.
Read more: Best Rewards Credit Card
Check Payment Due Dates
Ideally, use a credit card that offers 45–51 days of interest-free payments after the billing date. This gives you the freedom to pay your expenses on time without worrying about missing deadlines. Steer clear of credit cards with strict due dates because they negate the rewards program’s intent and charge interest.
Consider Additional Benefits
Examine perks associated with premium cards, such as access to airport lounges, shopping discounts, insurance coverage, waivers of fuel surcharges, etc., in addition to bill payment rewards. Consider these value-adds in light of your financial situation and lifestyle requirements.
Check Annual, Renewal and Other Fees
Even while rewards are appealing, keep in mind that there may be yearly, renewal, and other maintenance expenses. Certain cards may include perks that balance the annual charge, but others might not be financially viable because of their hefty fees. Think about waiving fees for spending minimums.
Beware of Interest Rates and Charges
Card balance interest rates are often high, ranging from 36% to 42% annually. Refrain from carrying balances to prevent interest loss on savings. Check charges for missing or late payments as well, as these might offset rewards.
Read more about: Credit card interest rates
Check Online Bill Payment Options
Select credit cards that come with online bill paying solutions from reputable sources. This enables convenient auto-pay settings without late penalties. There can be location limits for physical bill payments.
Consider Your Credit Profile
Only basic cards may be available to newcomers. Before upgrading, use a basic card responsibly to gradually build your profile. Review the requirements before applying to prevent rejections.
Featured Partners
1
SimplyCLICK SBI Credit Card
Annual Fee
INR 499+ taxes
Welcome Gift
INR 500 worth e-gift card from Amazon
Features
1% Fuel Surcharge Waiver on transactions between INR 500 and INR 3000, Get e-Vouchers worth INR 2000 for annual online spends of 1 Lakh
On SBI’s secure website
2
HSBC Cashback Credit Card
Annual fees
INR 999 (which will be reversed if the total annual spend exceeds INR 200,000)
Cashback features
10% accelerated cashback on dining, food delivery and grocery spends (up to INR 1000 per billing cycle); 1.5% unlimited cashback on other spends* (exclusions apply)
Other benefits
4 complimentary domestic lounge visits per year (1 visit per quarter)
3
IndusInd Bank Legend Credit Card
Annual Fee
INR 9,999 + GST
Welcome Benefits
Complimentary Stay at Oberoi Chain of Hotels.
Features
Free Movie Tickets on BookMyShow, 2x Rewards on Weekend spends, Access to 700+ lounges worldwide
On IndusInd Credit Card Application
4
AU Bank Altura Plus Credit Card
Annual Fee
499 + applicable taxes
Welcome Benefits
Gift vouchers
Features
1.5% Cashback on all POS retail spends, 1% Fuel Surcharge Waiver on transactions between INR 400 and INR 5,000.
On AU Bank’s secure website
5
Standard Chartered Rewards Credit Card
Rewards
4 reward points* per INR 150 on all retail spends (excluding government, insurance and fuel spends)
Joining Fees
Nil (2nd year onwards the annual fees will be reversed on spends of INR 3,00,000+ in the previous year)
Fuel Surcharge Waiver
Upto 1% Fuel Surcharge waiver (terms and conditions apply)
On Standard Chartered bank’s website
Eligibility and Required Documents for Credit Card for Utility Bill Payments in India
To apply for a credit card for utility bill payments, there are some basic eligibility criteria and documents required:
- Eligibility:
- Minimum age of 21 years
- Citizen of India
- Stable income source for at least 6 months
Minimum monthly income varies for different cards but is usually around INR 15,000-25,000 Documents Required:
- ID proof: PAN card, Aadhaar card, voter ID, passport
- Address proof: Aadhaar card, latest telephone bill, electricity bill (not older than 3 months)
- Income proof: Form 16, ITR, latest 6 months bank statements
- Passport size photographs
Some cards may require additional documents for those self-employed or in business such as GST returns, business tax returns, bank account statements.
Methodology
For this article on the best credit cards for utility bill payments in India, Forbes Advisor India evaluated over 50 leading personal credit cards offered by major Indian banks based on the following parameters:
- Rewards and cashback on utility bill payments (30% weightage)
- Annual fees and other charges (20% weightage)
- Payment options and payment due date (15% weightage)
- Additional benefits (15% weightage)
- Online bill payment options (10% weightage)
- Ease of application and customer service (10% weightage)
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
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