Best credit card for utilities
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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
Pros:
- 25% cb on airtel recharges/bills(max 300)
- 10% on elec bill(max 300)
- cash credit if earned cashback to card statement
Cons:
- Cashback doesn't track correctly, cashback denial, multiple follow-ups needed to get missing cashback
2)Google-Axis ace card.
Pros:
- Flat 5% on all payments made via Google pay app.
- cash credit if earned cashback to card statement
Cons:
- Only invite based applications,
- Difficult to get card
- Certain exclusions (rent etc)
3)freecharge axis card
Pros:
- Easy to get card
- No joining +low annual fees (294rs)
- Flat 5% on freecharge app spends
- cash credit if earned cashback to card statement
Cons:
- 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:)
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Freecharge axis con.. Yearly 50k payment max
- 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)
Sbi prime says 20rp for utility bill payment. Is it only for auto-monthly payments or any single payment earn 20rp?
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
Google axis ?