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  • Utility Credit Cards in India

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  • 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

    • 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 unrivaled 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

    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      My salary account is in HDFC bank hence i said to the branch manager that i am in a need of credit card. I got the freedom credit card which I have applied in the month of December and i have paid bill only once so far. They gave me a credit limit of Rs. 75000. Its a zero annual fee credit card because i have attached my utility bill.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 16, 2020
    • Axis Bank
      Axis Bank Credit Card
      "Good bank"
      0.5 4.0/5 "Great!"
      I am using AXIS Bank platinum gold credit card which was applied directly through bank. I am not happy with the credit limit what they given, customer service was good. I am using this card for shopping, utility bill payment, travel purpose.
      Was this review helpful? 2
      , kolkata
      Reviewed on Feb 13, 2020
    • ICICI Bank Credit Card
      "They need to provide on time messages regarding the bill"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card from ICICI bank for more than 3 years. I do have ICICI Amazon pay credit card hence each and every purchase, I'm getting the rewards points into my Amazon account. I can utilize this points for my utility payment, recharges and buying goods on Amazon website. If they are improve the app, it would be fine because i cannot see the statement and outstanding amount.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jan 21, 2020
    • SBI Cards Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was taken through online .I am getting offers for shopping and the credit limit was really good .This card is mostly used for fuel and for utility bill payment .This was a chargeable card need to pay 499 yearly basis .According to my concern this credit card service is best so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 21, 2020
    • HDFC Bank Credit Card
      "Good Card if its a life time free card"
      0.5 4.0/5 "Great!"
      HDFC card is good and executive did not give me a correct information because i was looking for a life time free card if i link a card to payzap app even though i linked the same, in my first month bill, they have mentioned the annual fee when i contact the customer care they are saying that after linked with payzap i need to pay 3 utility bill payment. I have sent a mail to their support team after that they have reversed my amount if they charged me for next year, i will close this card. They provides a loan to the customer.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 21, 2020
    • YES Bank Credit Card
      "Normal Card"
      0.5 3.0/5 "Satisfactory"
      YES bank credit card is not good because many transactions are getting cancelled automatically. Many times customer care won't pick up the call. They have offered me a credit limit of Rs. 80000 after that i didn't utilize the limit that much hence they have reduced upto Rs. 68000 now. This is a good card for making utility bills.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 31, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly.I am using this credit card for the past 3 years ,The credit limit was 80,000 and it was sufficient as well.Each and every information about this card was shared by the agent .I have not undergone any drawbacks on using this card so far I am using this service for making utility bill payment .
      Was this review helpful? 2
      , kolkata
      Reviewed on Nov 08, 2019
    • Citibank Credit Card
      "Satisfactory service "
      0.5 3.0/5 "Satisfactory"
      No issue with the CITI Bank credit card process. Limit provided from the bank is very sufficient and I use this card for the online purchase, Utility bill payments and recharges. I am not getting cash back on utility bill as the dealer is not registered with CITI Bank. I get 5% cash back on movie tickets in the form of reward points. More than 500 reward points can be converted into cash.
      Was this review helpful? 3
      , new delhi
      Reviewed on Oct 28, 2019
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      From AXIS bank mobile app is providing an option to convert for an EMI and to do transaction on easy. Since I am holding an account with them offered for a card. I have been using more than 4 years. It is an annual fee chargeable and limit given for a sufficient of 1.3 lakhs. It is a visa card. I use for bill payment, telephone payment and utility.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 23, 2019
    • IndusInd Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with Indusind Bank Ltd credit card because they are just charged me one time as Rs.499 and rest of the remaining years as life time free. I am using the card for more than 5 to 6 years. They are giving me utility benefits. There was no hidden charges. They should have good rewards for grocery aswell.
      Was this review helpful? 1
      , kolkata
      Reviewed on Oct 08, 2019
    • Axis Bank Credit Card
      "Better card than any other bank"
      0.5 4.0/5 "Great!"
      Axis bank have a good offers and discounts on the monthly utility bills and when I'm buying the groceries. Its quick to response in their services. They are sending the offer notification through both mail and SMS. I have a good credit limit and i hold the Axis bank neo credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 03, 2019
    • HSBC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am having HSBC Bank visa credit card which was applied through an other channel. I am using this credit card for almost 3 years .The credit limit was good and this was an annual fee chargeable card but waiver off option applicable based on the usage. EMI option applicable. I use this card utility payment based on the usage get points.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2019
    • SBI Cards Credit Card
      "Good premium utility payment card"
      0.5 4.0/5 "Great!"
      SBI Prime card i have got recently anyway its a premium card. I have not used the card much. I bought the card for making the utility bill because its gives 20 points for every Rs. 100 i spent. They have a a catalog where i can purchase by using those points hence i get 5% returns based on my purchase.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Sep 16, 2019
    • Standard Chartered Bank Credit Card
      "Good Card for super market purchase"
      0.5 3.0/5 "Satisfactory"
      One upon of a time, Standard charted bank was good for me. They have given me a credit limit of RS. 3.5 lakhs and this is a life time free credit card hence they have given some benefits on super market like 5% cashback on purchase but there is a limit on per transaction. There is a offer on utility bill payments.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 16, 2019
    • IndusInd Bank Credit Card
      "Need to enhance the credit limit"
      0.5 2.0/5 "Expected more"
      I have applied for a credit card with INDUSIND bank on a month before which was processed through an online. I received a card around 10-15 days. It is a life time free credit card but the limit which was given for a low as per my requirement . I use to pay 300 fee charge within 5-7 days. I use this card for fuel,utility, recharge and booking movie ticket.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 14, 2019
    • Kotak Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      I am using KOTAK bank 811 credit card for more than a year. The credit limit is limit is low of 25 thousands only. So far they have not increased the limit. It is an annual fee chargeable of 299 and waiver off option are applicable of 5000 thousands spend within a year.I use for shopping and utility purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 14, 2019
    • YES Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      For YES bank credit card applied through an online on a month before. The credit limit is sufficient and it was a life time free credit card. EMI option applicable. I use for fuel , restaurants , utility bill payment. They have given one benefits to add a member to pay for a rent in net banking. Based on the usage I get reward points.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 11, 2019
    • HDFC Bank Credit Card
      "Good Carde HDFC card, i "
      0.5 4.0/5 "Great!"
      Since i use the HDFC Diners clubmiles from the HDFC card, i pay the annual fee of Rs. 1000 but i get lots of facility on this card like airport launch access, ticket booking on flight ticket, i get 2* rewards points on a utility bills. I never faced any issues on this card since my payments are on time.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 07, 2019
    • IndusInd Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied for INDUSIND BANK PLATINUM AURA EDGE MASTER CREDIT CARD which got approved within 3 days. I liked use for utility payments which is easy to use,offers are available, credit limit of the card is good, annual fee charges are zero.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 30, 2019
    • IndusInd Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I had applied for INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD where they have a good facilities for online utility bill payments and the customer care service is good, limit is nominal, annual fee is zero and the card got approved in 20 days.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 29, 2019
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