A credit card is a useful payment mode when in urgent need for cash for making a transaction. Credit cards are widely used for shopping, dining, travel, and other expenses. Moreover, one can also pay rent using credit cards and get rewards. Most people look for such rewards, cashbacks, and discounts when opting for a credit card. If you want to save on utility expenses, here is a list of the best credit cards for utility bill payment.
See also: Lifetime free credit cards offered by top banks in India
Credit cards for utility bill payment 2023
| Credit cards for utility bill payment | Features | Annual Fee |
| ICICI Platinum Chip Credit Card | One reward point for every Rs 100 spent on utilities and insurance | Nil |
| HDFC Regalia Credit Card | Four reward points for every Rs 150 spent, including insurance, utilities and education​ | Rs 2,500 |
| Airtel Axis Bank Credit Card | 10% cashback on utility expense payments through the Airtel Thanks app | Rs 500 |
| Standard Chartered Super Value Titanium Credit Card | 5% cashback on telephone and utility bill payment | Rs 750 |
| Axis ACE Credit Card | 5% cashback on bill payments, DTH and mobile recharges through Google Pay | Rs 499 |
ICICI Platinum Chip Credit Card
ICICI Bank offers a lifetime free card, Platinum Chip Credit Card, with no joining fee or annual fee. Cardholders can avail of reward points on their utility bill payments and earn benefits on transactions in other categories. One can apply for this card if they are above 23 years of age.
Features
- Two reward points per Rs 100 spent on retail purchases, except fuel.
- One reward point per Rs 100 spent on utilities and insurance.
- 1% fuel surcharge waiver on Hindustan Petroleum fuel pumps on your transactions of up to Rs 4,000.
- Up to 15% off on dining expenses at over 2,500 restaurants across the country.
HDFC Regalia Credit Card
HDFC Regalia Credit Card is among the popular credit cards for those looking for rewards points, especially in shopping and travel categories. Moreover, this is also one of the best credit cards for utility bill payment and offers rewards points. However, the card comes with a higher annual fee of Rs 2,500.
Features
- 10,000 reward points on achieving spending milestones.
- Four reward points on each Rs 150 worth transaction, including insurance, utilities and education categories​.
- 12 complimentary visits to airport lounges in a year within India at both domestic & international terminals.
- Complimentary Priority Pass Membership with six complimentary lounge access in a year outside India.
- Low foreign currency markup fee of 2% on transactions.
- 1% fuel surcharge waiver at any fuel station in India.
Airtel Axis Bank Credit Card
Those looking to save on their mobile, internet, DTH and utility bill payments can opt for Airtel Axis Bank Credit Card. The cardholder gets an Amazon eVoucher worth Rs 500 on their first transaction through the card within the first 30 days of issuance. It is a co-branded card designed for Airtel subscribers and offers benefits such as cashback, discounts, and vouchers by using the Airtel Thanks App. Further, one also gets discounts on brands, such as Swiggy, Zomato, and BigBasket. The card includes a joining fee of Rs 500.
Features
- 10% cashback on utility bill payments through the Airtel Thanks app.
- 10% cashback on transactions at Swiggy, Zomato, and BigBasket.
- 25% cashback on Airtel Mobile, broadband, WiFi, and DTH bill payments through the Airtel Thanks app.
- 1% cashback on all other spending.
- 1% fuel surcharge waiver on transactions across all petrol pumps in India.
- Four complimentary domestic lounge visits every year.
- Standard Chartered Super Value Titanium Credit Card.
Standard Chartered Super Value Titanium Credit Card
Standard Chartered Bank offers the Super Value Titanium Credit Card, which is one of the best fuel credit cards with 5% cashback on fuel expenses. The card is also ideal for savings on utility bills with 5% cashback on telephone and utility bill payments made through credit cards. The benefits include Priority Pass Membership and reward points in other categories.
Features
- 5% cashback on fuel expenses.
- 5% cashback on telephone bill payments up to Rs 200 per month (Rs 100 per transaction; minimum transaction of Rs 750).
- 5% cashback on utility bill payments up to Rs 100 per month; minimum transaction of Rs 750.
- One reward point for each Rs 150 spent on other categories.
- Complimentary Priority Pass Membership.
Axis ACE Credit Card
Axis ACE Credit Card allows cardholders to earn cashback on utility bill payments, and DTH recharges as well as transactions on apps, such as Swiggy, Zomato, and Ola. In addition, the card offers additional benefits such as complimentary lounge access, dining discount, joining or annual fee reversal, etc.
Features
- 4% cashback on Swiggy, Zomato, and Ola.
- 5% cashback on utility bill payments, DTH, and mobile recharges through Google Pay.
- 2% cashback on all other expenses.
- Four complimentary domestic lounge visits in a year.
- 1% fuel surcharge waiver, maximum Rs. 500 per month, at any fuel station on transactions between Rs 400 and Rs 4,000.
- Up to 20% off at over 4,000 participating restaurants.
FAQs
Can I pay utility bills using a credit card?
Yes, you can pay utility bills, including electricity, phone, cable, internet, etc., through a credit card.
Which credit card gives 5% cashback on electricity bill payments?
The Standard Chartered Super Value Titanium Credit Card and Axis ACE Credit Card offer 5% cashback on utility bill payments.
What is a utility credit card?
A utility credit card allows the cardholder to save on their expenses on utility bill payments.
What is the best to pay the electricity bill?
You can apply for a credit card for utility bill payments offered by banks, including ICICI Bank, HDFC Bank, etc.
What are the utility payment types?
The various types of utility bill payments include electricity, water, cable TV, internet and mobile, gas cylinder expenses, etc.
Can you pay rent with a credit card?
Yes, a credit card can be used for making rent payments online.
How to pay utility bills with a utility credit card?
If you wish to pay your utility bills through a credit card, visit the official website of your card provider and sign into your account. Choose the billers and enter the amount and card details to complete the payment procedure.
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |
