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Best credit card for utilities

Deal Cadet

I am compiling next credit cards for utilities payment mccs (prepaid /postpaid bill /electricity bill //broadband bill /airtel jio services etc). 

1)Airtel axis card


  • 25% cb on airtel recharges/bills(max 300)
  • 10% on elec bill(max 300)
  • cash credit if earned cashback to card statement


  • Cashback doesn't track correctly, cashback denial, multiple follow-ups needed to get missing cashback 

2)Google-Axis ace card. 


  • Flat 5% on all payments made via Google pay app. 
  •  cash credit if earned cashback to card statement


  • Only invite based applications, 
  • Difficult to get card
  • Certain exclusions (rent etc) 

3)freecharge axis card


  • Easy to get card
  • No joining +low annual fees (294rs)
  • Flat 5% on freecharge app spends
  • cash credit if earned cashback to card statement


  • Convenience fee on everything! (biggest con, brings down cashback rate to 3.3-3.5%)
  • Cashback tracks incorrectly sometimes 
  • Cashback is credited after 2 months!  

P.s: Sbi cashback offer only 1% on utilities directly. (airtel, jio, electricity etc).

I request everyone to contribute to this list for the benefit of all dimers. TIA:) 

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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Google axis ?

Helpful Helpful
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Freecharge axis con.. Yearly 50k payment max

Generous Generous
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  • Let me contribute some info from my end (open for discussion) 
  • Ola sbi can be used with caution to get 7%. 
  • Scb ultimate (3.3% flat, redemption options not good)
  • Scb smart earn (2%flat, redemption options not good)
  • Axis magnus (6% value back but only travel enthusiasts, others 4.8% but only as voucher not cash redemption) 
  • Amex mrcc(bonus points good, cash redemption unattractive, only vouchers 4%+ value back), similarly amex platinum rewards & gold charge (high spend required for high rewards) 
  • HDFC Infinia (3.3% value back, recent devaulation) 
  • HSBC cashback card (varying cb rewards, exclusions+). 
  • Sbi prime (high spends for bonus rewards) 
  • Axis vistara/reserve cards (for travel enthusiastic users, good benefits comes with high fees) 
Deal Cadet Deal Cadet
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Sbi prime says 20rp for utility bill payment. Is it only for auto-monthly payments or any single payment earn 20rp?

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Finance Mentor Finance Mentor
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Currently I find the best way to pay for utility is via amazon pay.

Mostly I use infinia to get the best discount on amazon voucher via smartbuy (7-15% benefit, depends on the way you redeem infinia points).
Even SBI cashback card gives 6.5% off on amazon vouchers via gyftr yono.

Also HDFC Millennia still gives 5% on all amazon txns. Millennia DC will give 8.75% on Amazon GV upto 8k per month.

So basically whatever card one owns, just get the best discounted way to get AGV and pay the bill using apay balance

Super Stud Super Stud
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Millennia DC gives 10% for AGV via Gyftr SmartBuy isn't it but what about 1.25% processing fee plus GST charge?
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Benevolent Benevolent
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Can anyone help me with Airtel Axis Cc..

Need to get one mobile recharge done. TIA

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