https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9254115
can't imagine RuPay Platinum Debit Card is now an alternative to Ace CC, what a massive Ace CC devaluation it must be.
After Ace Devaluation, what's the best card for Utility Payments?
P.s. I'm assuming usage - utility payments only. For offline & other* spends Ace is still best card 
❤️.
1. Axis Bank FreeCharge Plus Credit Card [Invite Based Only]
Charges:
• Joining Charges: Free
• Annual Charges: 350* + GST
• *Waiver on 50k spends annually
• P.s. leave the application halfway & apply only after you get call from agent & they might offer you LTF card.
Pros:
• 5% unlimited CB on Utility Payments via FreeCharge App
• 2% on Ola, Uber, Etc
• 1% on Offline & Online
Cons:
• FreeCharge charges 1% Convenience Fee + 18% GST on each utility payment except recharges, so technically ~ 3.8% savings as cashback.
Hidden Tips:
• As per TnC, Insurance Payments are not eligible for cashback but we get 5% cashback [3.8% after charges] which makes this card a Gem 💎🤑. P.s. I haven't tried this personally.
• Time to time we get FC account specific PromoCodes too e.g. FC10 which is for UPI only [as per TnC] but we get CB with this card too
[Bug]
• FC offer scratch cards on each txn, before txn your location should be on & you'll get SC in 'FC Cashback' section [reward is obviously luck based].
2. RuPay Platinum Debit Card
Offer: 20% upto 100 instant discount per month on Utility Payments via Amazon [Valid on Fridays Only Till 31st March, 2024]
3. Tata Neu Infinity Credit Card
• Tata Neu Infinity card also offer 5% cashback as NeuCoins 🪙.
4. IDFC FIRST Power+ RuPay Credit Card
• 5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.
❤️.1. Axis Bank FreeCharge Plus Credit Card [Invite Based Only]
Charges:
• Joining Charges: Free
• Annual Charges: 350* + GST
• *Waiver on 50k spends annually
• P.s. leave the application halfway & apply only after you get call from agent & they might offer you LTF card.
Pros:
• 5% unlimited CB on Utility Payments via FreeCharge App
• 2% on Ola, Uber, Etc
• 1% on Offline & Online
Cons:
• FreeCharge charges 1% Convenience Fee + 18% GST on each utility payment except recharges, so technically ~ 3.8% savings as cashback.
Hidden Tips:
• As per TnC, Insurance Payments are not eligible for cashback but we get 5% cashback [3.8% after charges] which makes this card a Gem 💎🤑. P.s. I haven't tried this personally.
• Time to time we get FC account specific PromoCodes too e.g. FC10 which is for UPI only [as per TnC] but we get CB with this card too
[Bug]• FC offer scratch cards on each txn, before txn your location should be on & you'll get SC in 'FC Cashback' section [reward is obviously luck based].
2. RuPay Platinum Debit Card
Offer: 20% upto 100 instant discount per month on Utility Payments via Amazon [Valid on Fridays Only Till 31st March, 2024]
3. Tata Neu Infinity Credit Card
• Tata Neu Infinity card also offer 5% cashback as NeuCoins 🪙.
4. IDFC FIRST Power+ RuPay Credit Card
• 5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.
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https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9254629
freeloaderz wrote:can't imagine RuPay Platinum Debit Card is now an alternative to Ace CC, what a massive Ace CC devaluation it must be.
Yes 
❤️, but there are many alternatives like Millennia, Neu Infinity, SBI Cashback (Amazon GV) etc .
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9254635
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Bramhchari_dRv wrote:Yes
❤️, but there are many alternatives like Millennia, Neu Infinity, SBI Cashback (Amazon GV) etc
IDFC FIRST Power+ RuPay Credit Card -
5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9254648
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abhishek012 wrote:IDFC FIRST Power+ RuPay Credit Card -
5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.
Added, mate.
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9254730
Is there any capping to 5% on neu infinity utility spends?
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9254741
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Bramhchari_dRv wrote:Yes
❤️, but there are many alternatives like Millennia, Neu Infinity, SBI Cashback (Amazon GV) etc
Sbi Cashback (Amazon gv) giving rewards after May-1,2023?
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9254750
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9255896
Sbi BPCL rupay vs tata neu infinity rupay,which card is best.
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9256650
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Source: https://www.desidime.com/discussions/idfc-first...
abhishek012 wrote:Can anyone plz confirm if IDFC Power Plus CC levy additional charges on fuel payments, almost neutralising all benefit.IDFC FIRST Power+ RuPay Credit Card -
5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.
Source: https://www.desidime.com/discussions/idfc-first...
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9257403
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John_Wick wrote:Also, will surcharge be applicable at fuel stations, if paid via CC on UPI?
Can anyone plz confirm if IDFC Power Plus CC levy additional charges on fuel payments, almost neutralising all benefit.
Source: https://www.desidime.com/discussions/idfc-first...
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9257814
what is the devaluation. still website show 5% cashback on utility spends in gpay;
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9257860
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9258124
arko1983650 wrote:what is the devaluation. still website show 5% cashback on utility spends in gpay;
Before: Unlimited 5% Cashback
Now: 5% cashback upto 500 p.m.
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9258598
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abhishek012 wrote:IDFC FIRST Power+ RuPay Credit Card -
5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.
Is this offline or online and how is compare to scb Manhattan 5% upto 500rs
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9258622
Axis freecharge give 5% on paytm fasttag recharge? Bcz last time I bought gc on freecharge they gave 1% only
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9259974
Sidhi.Baat.No.Bakwas wrote:Didn't try myself. One guy tried & got 1% only. He fought with customer care, got CB and closed the cardAxis freecharge give 5% on paytm fasttag recharge? Bcz last time I bought gc on freecharge they gave 1% only
.
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9266500
Shubham_G wrote:same thing I need to know about...Is there any capping to 5% on neu infinity utility spends?
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9270928
Shubham_G wrote:Yes, only upto 50k per month gets the 5% points.Is there any capping to 5% on neu infinity utility spends?
It's mentioned in this document - https://www.hdfcbank.com/content/bbp/repositori...
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9277281
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GordonFr33man wrote:
Yes, only upto 50k per month gets the 5% points.
It's mentioned in this document - https://www.hdfcbank.com/content/bbp/repositori...
Can I pay insurance and get 5% coins
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9280379
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marumuganainar wrote:I think so, I haven't tried. You'd have to do it from the Tata Neu app to get the points.Can I pay insurance and get 5% coins
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9283707
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Bramhchari_dRv wrote:Yes, if you buy from Amazon itself (Not Gyftr).
Which option is best for LIC insurance premium payment? Tata Neu app is not showing LIC
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9283720
https://www.desidime.com/discussions/after-ace-devaluation-what-s-the-best-card-for-utility-payments?page=1#post_9283811
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Bramhchari_dRv wrote:Upto 10k means? Amazon allows usage of only upto 10k from gc and rest to be paid from card?
Amazon GC upto 10k
Or
FreeCharge card - 3.8% CB
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Yes, if you buy from Amazon itself (Not Gyftr).
can't imagine RuPay Platinum Debit Card is now an alternative to Ace CC, what a massive Ace CC devaluation it must be.