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

    • HDFC Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      The services were too good wit this card,this is complimentary card . I am using HDFC bank credit card . I use this card for multipurpose . The card and their services are very good. There is no hidden charges with this card . They need to increase the limit on the basis of usage and transactions.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The experience i had with Bank Bazaar has been pretty good and i am using the services of them for the last few months. I came to know about the services of them through a mail which i had got and i had used their website which has been quite convenient in using. Their customer support has also been responsive and has been helpful as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA BNAK card for the past one years and the services which they had provided so far was quite good. There was a good credit limit of 40000 with this card and there has been many benefits which came with this card like reward points and EMI convertion facilities and it has been an annual chargable card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been previously using ICICI bank for savings and salary account , i am not happy with their service they have not give me good service , like all time they use to charged me hidden charges without my knowledge, their mobile application is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I came to know about Bank bazaar service through on line, this is my first time i have been using their service, their customer care service is good, they use to follow up with me time to time, their response was good, their website is good, i can get all financial products information over there.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have taken KOTAK MAHINDRA bank credit card for more than a month through an online. On time I received a card there was no issue at a verification process. The credit limit is low which was offered in this bank. They give an offer for one free ticket in book my show.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good for regular usage"
      0.5 5.0/5 "Blown Away!"
      I am holding ICICI credit card around three years, I started using it for some transactions. The credit limit is good around Rs. 60,000 and they are sending the statement on time. I am okay with the billing cycle and due date, I get payment update on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Its supportive"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is informative and I get good support from their end for any banking queries. When I interacted for the credit card purpose, I got a proper response. Its my first experience I am happy about it, the site is user friendly to browse the options.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I would say Kotak Mahindra card is good to use and comparatively its better than others. I got lower limit it can be improved but the credit card processing time was lesser to avail the card. They are providing reward points as well on my spend.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using this ICICI Bank credit card for the past 6 months.Customer service is not satisfied according to me .Other than this everything is good .The credit limit was good ,have good cash back offers and reward points .There was no difficulties faced so far on submitting the documents .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Medium"
      0.5 4.0/5 "Great!"
      I am using KOTAK MAHINDRA bank credit card for more than a month which was applied through an online. The verification process was smooth and good. I received a card at earlier. They have offered for a life time free credit card. The credit limit is sufficient to use.
      Was this review helpful? 0
      , chennai
      Reviewed on May 25, 2019
    • Kotak Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having Kotak Mahindra Bank credit card which i have got through Bank directly .This credit card is very useful to me so far .The limit of this card was good to me i am using this card for the past 1 year .I am comfortable on using this card so far.The service is good to me so far.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was directly applied through Bank.This card i amusing for the past 2.5 years .The credit limit was good and sufficient to me .There are good cash back offers and reward points as well.I have not faced any difficulties so far on using this card .This card is good to use .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      This Bank bazaar website was know to me while checking credit score through online .This portal is really doing a vital role in all financial products so far.This is a user friendly one and easy to handle .This portal will give us the details regarding the financial product what we search .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • IndusInd Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have selected this Indusind Bank credit card since dont have annual fee so choosed and also free card ,The agent gave al information about the credit card process ,I have received the credit card on time and also submitted documents through the agent ,There are cashback offers and reward points but not chekced so far .The credit limt was sufficient .
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2019
    • RBL Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using RBL credit card for long time, they have given me good credit limit they have given me was good and i have been apply for this card through on line and they have not been charging annual fee in this card, as it is life time free credit card like they have given me rewards points up to 2000 points they said if i spent up to that then my rewards points will get waived off.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding my SBI credit card for long time, they have charged me annual fee in this card , but waived off option is available in this card and i am happy with my credit limit they have given me sufficient limit and the best part in this card is that they provide good offers .
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • Axis Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Axis bank credit card, they have not charged any annual fee in this card, and the best part in this card was they provide good offers and discount in fuel and i am happy with my credit limit they have provided me and overall service is good.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I took Indusind bank credit card, their credit limit which they have given to me was good, they use to give good offers in shoppings , on e-portal business they use to give good offers, their mobile application is user friendly, it is life time free credit card.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
    • American Express Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Amex credit card from long time, they have not charged me annual fee as it is life time free credit card, i am very much happy with their service which they have given to me, their mobile application is user friendly so far i did not face any issue, even they use to give good offers.
      Was this review helpful? 0
      , jaipur
      Reviewed on May 25, 2019
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