Best credit card for utilities

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Deal Cadet
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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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Top Comments
Benevolent Benevolent
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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

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Deal Cadet Deal Cadet
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Freecharge axis con.. Yearly 50k payment max

Deal Subedar Deal Subedar
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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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IndianDimer wrote:
  • 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?

Deal Newbie Deal Newbie
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IndianDimer wrote:
  • 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) 
May I know how did you calculate OLA SBI as 7%?
Benevolent Benevolent
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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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Seinfeld wrote:

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 10% 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

Millennia DC gives 10% for AGV via Gyftr SmartBuy isn't it but what about 1.25% processing fee plus GST charge?
Deal Cadet Deal Cadet
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Seinfeld wrote:

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 10% 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

But to me ,  for HDFC millenia dc it shows only 5% valueback in form  of reward points, am i missing something here??

Benevolent Benevolent
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Baaap wrote:
Millennia DC gives 10% for AGV via Gyftr SmartBuy isn't it but what about 1.25% processing fee plus GST charge?

Yes you are correct 10-1.25% for millennia DC, 

Benevolent Benevolent
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5122001766 wrote:

But to me ,  for HDFC millenia dc it shows only 5% valueback in form  of reward points, am i missing something here??

5% is smartbuy benefits which you are seeing and rest 5% is the card feature benefit. Both are credited separately.

Deal Cadet Deal Cadet
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Seinfeld wrote:

5% is smartbuy benefits which you are seeing and rest 5% is the card feature benefit. Both are credited separately.

Okay and after how many days poi ts are credited 

Deal Cadet Deal Cadet
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Seinfeld wrote:

Yes you are correct 10-1.25% for millennia DC, 

Its 10-1.47=8.53% in accurate
Deal Cadet Deal Cadet
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Seinfeld wrote:

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

I generally reserve millenia DC for  1% cashback on CC payment via paytm .. so to buy amazon voucher using CC .
Deal Cadet Deal Cadet
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Seinfeld wrote:

5% is smartbuy benefits which you are seeing and rest 5% is the card feature benefit. Both are credited separately.

card 5% limit of 400 every month right ?
Super Stud Super Stud
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mojo_jojo123 wrote:
I generally reserve millenia DC for  1% cashback on CC payment via paytm .. so to buy amazon voucher using CC .
Which CC?
Benevolent Benevolent
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Can anyone help me with Airtel Axis Cc..

Need to get one mobile recharge done. TIA

Deal Cadet Deal Cadet
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Seinfeld wrote:

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

Also HDFC Millennia still gives 5% on all amazon txns.

Bro, does millenia cc gives 5% cb on apay insurance payment also.??

I need to do insurance payment in March.

I am looking to buy some gvs from smartbuy and rest balance payment directly via millenia cc.

Will i get both cashback.? (Ie 5% from smartbuy (max 1k) and 5% on amazon spends(max 1k additional))...?

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