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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 fire ❤️.

1. Axis Bank FreeCharge Plus Credit Card [Invite Based Only]

• 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.

• 5% unlimited CB on Utility Payments via FreeCharge App
• 2% on Ola, Uber, Etc
• 1% on Offline & Online

• 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 stuck_out_tongue_winking_eye [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.
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
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Deal Cadet Deal Cadet
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can't imagine RuPay Platinum Debit Card is now an alternative to Ace CC, what a massive Ace CC devaluation it must be.

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Yes joy❤️, but there are many alternatives like Millennia, Neu Infinity, SBI Cashback (Amazon GV) etc joy.

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Cool Cool
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Is there any capping to 5% on neu infinity utility spends?

Post Emperor Post Emperor
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same thing I need to know about...
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Sbi BPCL rupay vs tata neu infinity rupay,which card is best.

Deal Cadet Deal Cadet
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what is the devaluation. still website show 5% cashback on utility spends in gpay;

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Before: Unlimited 5% Cashback

Now: 5% cashback upto 500 p.m.

Generous Generous
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Axis freecharge give 5% on paytm fasttag recharge?  Bcz last time I bought gc on freecharge they gave 1% only

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Didn't try myself. One guy tried & got 1% only. He fought with customer care, got CB and closed the card joy joy joy.
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The link for ace cashback update says,

W.e.f 15th June, 2023, MCCs 6381, 5960, 6012, 6051, 8299, 8211, 8241, 8244, and 8249 will also be excluded from cashback eligibility.

Any idea what are these categories?

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