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

    Credit Card Reviews

    • ICICI Bank Credit Card
      "Good application but need improvement"
      0.5 3.5/5 "Pretty good"
      I don't have good experience with ICICI, anyway the I mobile app is easy to do fund transfer and other service and if I place the request for cheque book immediately processed it. However some time the service get hang , they need to develop on that part.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Good for air port lounges"
      0.5 4.5/5 "Excellent!"
      The SBI card is good, I used to get air lounges in the air port and they issue good credit limit based on the customer profile, but they don't have any cash back. The customer support is also not good they need to improvement however card features is good and charges are nominal.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good card and best to use"
      0.5 5.0/5 "Blown Away!"
      I am very much happy with the HDFC service and am using the credit card for one year. It is Money Back visa credit card. They are providing cash back offers, it depends up on the transactions. I have converted the out standing payments into EMI and charges are reasonable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      The redemption of reward points are very less and the product they are offering for the points which was high. I am not able to purchase the product on those points. I have no issues with the customer support. The rate of interest is average. I need to spend a lot to accumulate the 10% discounts for shopping.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Offers are average"
      0.5 4.0/5 "Great!"
      I am not satisfied with the benefits and have been using the credit card for more than 10 years. The credit limit is good. The charges are more for the credit card. I am able to manage the account online. I can do the payment into their app and net banking. I have taken flexi pay and charges are high since I don't use.
      Was this review helpful? 1
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Okay"
      0.5 3.5/5 "Pretty good"
      HDFC credit card is good in between some of the period I did not use the card much. I cannot convert the payment into EMI and it does not have that option. The service wise they are good and no issues. Its a zero fee card, reward points are there other than there was no much offers.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Best card"
      0.5 4.5/5 "Excellent!"
      SBI is doing good service and the offers. It has Flexi pay option and reward points can be redeemed easily. Am much satisfied with SBI and using it for 3 years. Annual charge will be waived off If I use to certain limit. The credit limit was enough to me.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Can do Better"
      0.5 3.0/5 "Satisfactory"
      In ICICI bank, they were already collecting the interest rate for swiping the card, again in the bill they were adding one more charges its not upto the mark. Its a normal card with other benefits but still I think it has the annual fee around Rs. 500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good service and need to reduce the interest "
      0.5 4.0/5 "Great!"
      The charges are very high on HDFC credit card which is around 10 to 11% some cases its 12%. I am using the card for 5 to 6 years and after 2 years they have enhanced the credit limit. They are charging annual fee and I don't know the figure. The online service is good and am not satisfied with the customer center, only Chennai office is doing good response.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • Punjab National Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      There was no issues on the credit card experience. The customer service was very fine. I have been using Punjab National Bank card for around 10 years. I use it only for shopping and there was no offers, its just a basic card. I can covert the payment into EMI and the charges are minimal which is 3%.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Dissatisfactory Experience"
      0.5 1.0/5 "Really Bad"
      My HDFC credit card experience is not upto the mark, I have activated the auto debit option. My due date falls on 24 of every month, but one day my salary credited got delayed on that same days. Hence they charged Rs. 500, however within few hours my salary got credited in my account but still they didn't give waiver. I am using this account for past 4 to 5 years its good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HSBC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I do have a HSBC credit card and they are great in service and the offers. But the accessibility is bit less but still online banking and the customer service support is good. The credit limit was good amount. It is a life time free credit card. I am having HSBC Gold card and its almost 10 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 4.0/5 "Great!"
      I am having Coral card and using it almost 5 years, Still am not sure about the benefits. It was fine for the basic purpose. The credit limit needs to be better. There is no annual fee. I have contacted the helpline number and it takes bit longer to connect with the representative. There is no hidden charges so far.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I do have a credit card with HDFC Bank and its been 3 years now. I am happy with the offers and the credit limit. The customer service is very good. There is no hidden charges. The late payments are also nominal and I can convert the payments into EMI. Most I like it on the card is I can convert the reward points into cash.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 14, 2019
    • Bank of Baroda Credit Card
      "Reminder alert should be implement"
      0.5 3.5/5 "Pretty good"
      For the minimum amount due the interest rate is good around 14% in Bank of Baroda credit card, the customer service is good. But there was no message or calls from the bank end about the billing details. My due date 20 days, because of non reminder I just missed my payment. However the credit limit is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • IndusInd Bank Credit Card
      "Need lots of improvement"
      0.5 2.0/5 "Expected more"
      I closed the Indusind credit card because the transactions and other charges are very high. The customer service is average for the minimum balance due they have high interest rate around 44% its not fine for me. Therefore I closed my credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 3.5/5 "Pretty good"
      I hold a HDFC credit card and i have just started using it. I have got a good limit on my card. Its a free life time card with no annual charges. I am getting offer related messages and i am yet to experience the offers. Hope HDFC will serve better..
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was the first time experience i had with the services of Bank Bazaar and they had been making a good follow up from starting after i had applied my credit card through them. I had been using the website of them which has been convenient and the process through them was quick.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since it was better card compared with the other cards. The process in getting this card has been simple and there has not been any delay in getting this card. The credit limit with this card was quite less than expected and there is some annual charges with this card which will get waved off as per the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It was a good experience i had with the services of Bank Bazaar where i had been using the services of them for a while. I had used their web portal which has been convenient and has been easy in using. Their customer support team had also been helpful and has been responsive as well.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
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