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

    • Standard Chartered Super Value Titanium 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.


    • 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.

    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.


    • 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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