Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Utility Credit Cards in India

    Credit cards are one of the most popularly used financial products by individuals today. This product allows individuals to borrow money against a line of credit and allows them to pay back the same every month. A small amount of interest is also charged which is pre-decided. Customers have the option of paying back the entire amount used or just the minimum amount that is due every month. However, not paying the entire amount on time can result in the cardholder falling into a credit card debt which is hard to come out of.

    Due to the convenience provided by credit cards, it is highly used world over. Other than allowing individuals to borrow a certain amount, customers can also procure a number of additional benefits and features that come with it. Reward Points and Loyalty Points are commonly procured with credit cards wherein customers can collect points when they charge a certain amount of money to their credit card. These points can be exchanged for a host of benefits and features. In addition to this, certain cards come with fuel surcharge waivers. Credit cards can also be used to withdraw cash or even pay utility bills. Certain cards come with certain features through which utility bills can be paid easily.

    Given below are some of the popular products through which paying utility bills is easy. Certain cards also provide Reward Points when individuals use them to pay their utility bills.

    Best Utility Credit Cards in India 2017

    • Standard Chartered Super Value Titanium Credit Card
    • Citi Cash Back Credit Card
    • Axis Bank MY Choice Credit Card

    Standard Chartered Super Value Titanium Credit Card

    This credit card by Standard Chartered is perfect for independent individuals who pay their own bills. This credit card offers not just great deals which will help them save money but also cashback on telephone and fuel bills.

    Charges:

    • Annual fee for the first year for this credit card is Rs.499
    • From the second year onwards, the annual charge is Rs.750 for the Super Value Titanium credit card
    • There is no fee charged for supplementary cards

    Features and Benefits:

    • Customers can earn a cashback of 5 % on all the fuel purchased by them at petrol pumps in the country.
    • Cardholders can receive a cashback of 5% on telecom bills from all service providers when they pay for the same using their Super Value Titanium credit card.
    • Also, when customers use their Super Value Titanium credit card to purchase goods and services other than the ones mentioned above, they stand to receive 1 Reward Point for every Rs.100 spent.
    • Customers can procure a cashback of 5% on every utility bill payment enabling them to save more on gas, electricity and water.
    • The maximum cashback that they can procure per transaction is Rs.100 and maximum cashback they can procure per month is Rs.500.

    The Standard Chartered Super Value Titanium Credit Card is a highly beneficial credit card to pay utility bills with due to the amount of cashback that can be procured through this card. This card can also be used throughout the country and is very convenient.

    Citi Cash Back Credit Card

    Paying bills is something that has to be done by everyone. But the CashBack credit card by CitiBank makes it easy and also a lot more convenient while providing rewards for the same. Customers can avail rebates, savings and other money saving benefits through this credit card.

    Charges:

    • The annual fee for the Citi Cash Back credit card is Rs.500
    • Fee is billed in the first month’s credit card statement and is then billed incrementally every 12 months from then

    Features and Benefits:

    • Cardholders can procure a cashback of 5% on all of their utility bill payments that are made online via the Citibank Online Bill Pay once they register for the secure Bill Pay facility.
    • Customers can also procure a cashback of 5% on all of their telephone bill payments when they pay for the same using their Citi Cash Back credit card.
    • Every time customers purchase movie tickets using their Cash Back credit card from Citibank, they stand to receive a cashback of 5%.

    The CitiBank Cash Back credit card is highly convenient and rewarding with respect to utility bill payments. On purchases made through their CitiBank Cash Back credit card other than the ones mentioned above, cardholders can procure a cashback of 0.5%. Additionally they can receive their cash back in a convenient manner and redemption is in multiples of Rs.500.

    Axis Bank MY Choice Credit Card

    Customers have the choice of customizing their credit card with all the benefits and features that they require based on their saving and spending needs. Through this card, customers can procure the benefits and features that they require.

    Charges:

    • The joining fee for this card is Rs.250 and is Rs.250 from the next year onwards
    • If customers wish to design their cards, they will have to pay an additional Rs.150
    • There is no joining or additional fee applicable for the supplementary credit card

    Features and Benefits:

    • Customers have the unique option of designing their credit card by uploading the image of their choice or choose from the exciting options available.
    • Cardholders can procure cashback of 5% on any of the two spending categories of their choice - dining, electronics, fels, utility bills, travel and supermarkets.
    • Cardholders can convert their transactions that amount to more than Rs.2,500 to EMIs and pay conveniently.
    • Cardholders can also earn eDGE Loyalty Rewards points for all transactions and redeem these for exciting gifts and offers. Customers can earn 4 points on every Rs.200 that they spend on their credit card.
    • On the first online transaction, customers can earn 100 points.

    The MY Choice credit card by Axis Bank allows customers to procure a cashback of 5% on any two categories of their choice including utility bill payments. This credit card is also secure as it comes with an EMV certified chip credit card and are PIN protected for unrivalled protection. The sheer number of benefits and features that is card provides makes it one of the top contenders for the best utility credit card in India.

      

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    Credit Card Reviews

    • Kotak Credit Card
      "Not satified"
      0.5 1.0/5 "Really Bad"
      I have recently applied for Kotak mahindra bank credit card , while applying for card they said it is life time free credit card, but after issue the card they said they will be charging annual fee in this card, which was very disappointed me, the said them to cancel for canceling the card they charged 180 rupees,even the credit limit which they have given to me was not good.
      Was this review helpful? 0
      , pune
      Reviewed on May 23, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My experience is good with Indusind Bank, have been using the card for a month. Its Aura Platinum card and the credit limit is average, its only 75K where they need to increase my limit since have expected 1.50L because am having more limit on HDFC card. The process is good and there is no annual fee.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been close to five years since i am using the SBI Gold Credit Card, the services provided by them had been pretty much good. The card has a good feature of Airport launch access and it also has a good credit limit. There is some annual charges with this card and i am using the card for most of my payments and purchases.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2019
    • HSBC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the HSBC VISA PLATINUM CARD for the last couple of years, the services with them had been good. There is a good credit limit with this card and it used to provide one plus one movie ticket offers. It does not have any annual charges and i use the card for everything.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been more than four years since i am using the HDFC Bank DINERS CLUBMILES Card, the services provided by them had been good. There is no annual charges with this card and i am satisfied with the credit limit with this card. There has also been some good benefits in using this card and i use the card for all sort of purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2019
    • Bank Bazaar Credit Card
      "Very Good Service"
      0.5 3.5/5 "Pretty good"
      It has almost been three to four years since i am using the services of Bank Bazaar and the services with them had been quite good so far. I used to check with most of the financial products through them and i had applied for a credit card recently through them. Their customer support team had also been good where they used to do some frequent calls and make follow ups.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I had selected the INDUSIND BANK PLATINUM CREDIT CARD since there is a good reward point system with this card, and there has also been some other added benefits as well. The process in getting this card has been good and the card was delivered on the right time. The credit limit with this card is a little less, and there is no annual charges with this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank credit card for long time, they have charged me annual fee in this card, but no idea about waived off option as only for emergency purpose, i am very much happy with the credit limit which they have given me in this card,. so far i am very much happy with the service.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2019
    • Kotak Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I was choosen for Kotak credit card , they provide limit credit card is 75 k , while transition rewards point receives. iam particular using for online shopping its easy to do based on credit card i got loan . customer services is good and approach.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am very much happy with the credit card of SBI. They have charged me annual fee in this card, based on my eligibility they have given me credit limit, which was okay for me, their service is too good, they use to give good offers on regular basis.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI bank credit card from long time, I got call from them that i am eligible for credit card so i applied for that, they have charged me annual fee in this card, i do not check waived off option as only for emergency i use it, their credit limit they have given to me was good.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2019
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC bank credit card from long time, they have charged me annual fee as it is life time free credit card, i am happy with the service which they have given to me , their mobile application is user friendly, the credit limit as per my eligibility they have given to me, their overall service is good.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2019
    • Bank Bazaar Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      The customer service is really amazing and the response of resolution of time is very quick. I have been using Bankbazaar.com from last 2.5 years and there was no difficulties in applying the financial products moreover time consuming. I have received a credit card recently by placing online request.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 23, 2019
    • Axis Bank Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have been using Axis bank credit card, i am not satisfied with their service as i requested for bank statement, they did not given me any statement yet, they use to send statement on mail which is not getting open soon, their customer care number not getting connected soon, their overall service is not up to the mark.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 23, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using Indusind Bank credit card from last one month and have not interacted with the customer service much but its okay. The documents are collected by the executive. There is no annual fee, I have taken it for life time free. The credit limit is sufficient for me. I have received the first bill on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 23, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      The experience i had with Bank Bazaar has been pretty much good, i had been using the services of Bank Bazaar for quite sometime. I used to check with all the financial products through them. I had recently applied for a credit card through them and the process was pretty much good, where they where helpful.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 23, 2019
    • IndusInd Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The process in getting my INDUSIND BANK PLATINUM CREDIT CARD has been quite good but i wish it could have been done more fast, the credit limit with this card is quite less than expected and my existing cards has more limit than this card. It is a life time free card and they had explained me about the features of this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 23, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I took a Indusind Platinum credit card and am using it for more than a month. I felt, the process was little bit longer. The credit limit was fine. There is no annual fee for the credit card. I have chosen because reward points can be utilized for purchase. Their executive has provided a doorstep service for documentation.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2019
    • American Express Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I am using the AMEX Credit Card for a very long time and the services with them had been pretty much good. There is a good credit limit with this card and there has also been some added benefits with this card. I had been using the card for all sort of purposes like shopping and for all sort of purposes.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      It has been a long time since i am holding the KOTAK MAHINDRA BANK Credit Card, the services with them had always been good. There is a good credit limit with this card but there has not been much benefits with this card. I am using the card for all sort of purposes like shopping and for all sort of purposes.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 23, 2019
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