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ELECTRICITY BILL - 2 LAKHS PER MONTH ( NEED SUGGESTION )

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Deal Subedar
Tradingfriend

HEY GUYS !

I HAVE ELECTRICITY BILL PAYMENT OF 2 LAKH RS PER MONTH FOR MY FACTORY. 

I NEED TO KNOW THE BEST AVAILABLE OFFERS CURRENTLY AVAILABLE TO SAVE SOME COST. 


I AM AWARE OF AXIS BANK ACE CARD FOR 5 % UNLIMITED CASHBACK BUT UNFORTUNATELY IT DOESNT SHOW IN MY IOS APP TO APPLY AXIS ACE CARD

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Like Magnet Like Magnet
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If iOS is issue..
Bro get Android from someone temporarily to make payment. 
Deal Subedar Deal Subedar
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I mean i dont have axis bank ace credit card. it doesnt show me any offer to apply. i ave been waiting since months to get ace card. no luck there 
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Deal Cadet Deal Cadet
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Ace is not supposed to pay corporate electricity bill. If you try to pay 2 lakh bill with it, they most probably block your card. Axis did it for few people.

Edit - I see now that you don't have Ace card. Ace is not available easily to get.

Deal Subedar Deal Subedar
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Pls explain me how will ace know. It will be done on gpay.  

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Generous Generous
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Every card and wallet will boot you out for commercial usage. Only bet is business credit card. 

Helpful Helpful
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Try 50:50 sharing with someone who have it. 

Deal Cadet Deal Cadet
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any offers in electricity payment of 20k via Diners club black credit card ?

Deal Subedar Deal Subedar
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factory chalao, kha 2-4 rs m lge pade ho

Generous Generous
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Have been making around 3 Lacs payment every month for past 3 years and the best rewarding card for me, has been IDFC. Like others have mentioned, all the good rewarding cards either warn or block your card, in case of misuse. 

None of my cards have been blocked so far but received call from ICICI Amazon, Ace and Onecard about misusage of card. My EB is such that I've total of 5 connections with EB varying from 20k to 90k per line, so I keep on rotating card/service. My experience so far.. 

1. HDFC - My go to card and payment portal as never faced error but have the lowest reward points (MC card). Positive has been that my card limit has zoomed from 80k to 15Lacs but no upgrades..

2.Payzapp - Max 2 payments per month- any more I get limit exceeded error but I use it every month. High Bill amount, i pay thru payzapp using IDFC and it has been rewarding. Roughly, am able to accumulate 7-8k reward points every month. 

3. Phonepe - Useless now as they charge 1.5% fee above 30k and flat 100 for below 20k (?). I use my Amex for lower bill amount to achieve monthly 20k target.

4.Gpay - Good for EB < 30k- Ace almost does not work; in 8 months this year, have been able to use only twice. I use FK Axis and/or SBI most of the times

5. Tata Neu- New service but so far has been reliable. Have used IDFC/Onecard

Having said that- I have almost stopped searching for benefits. I just want my EBs to be paid without any fees as its getting difficult every month to pay, without charges. Paytm/Phonepe/freecharge/TNEB all have started charging while Gpay/payzapp have implemented limits..

Talk-Of-The-Town Talk-Of-The-Town
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What is the benefit using idfc card?? 
@cashif
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Like Magnet Like Magnet
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Every retail credit card will you block you for paying 2 lac electricity bill. You need to get business credit card and it will not have reward benefits.
Deal Subedar Deal Subedar
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Who told you that ? My friend has been paying through credit cards since so long. He only suggested me few days bavk to apply ace card. 

Thats why i have been searching all this. 

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Deal Cadet Deal Cadet
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Anyone know about my money mantra? Received call from them saying i am approved for axis ace card, after clicking the link it goes to axis cc application page. Seems it is axis affiliate.
Deal Subedar Deal Subedar
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I have applied for Diners black hdfc credit card today . Bank said limit will be 12 lakhs. I hope no issue comes. Will be paying off from there. 

1rp = 1rs

Critic Critic
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1rp=Rs.1 only when redeeming points for flight tickets/hotel bookings & there is a monthly cap on points too.
View 9 more replies
Deal Cadet Deal Cadet
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any offer on 20k electricity bill payment via Diners club black credit card ?

Helpful Helpful
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Bro do you have single electricity bill of Rs 2 lakh every month or have multiple bills accumulating upto Rs 2 lakhs per months? If multiple bills than pay from different cards and apps but if single bill than sooner or later personal credit card will be blocked for misuse if used for electricity bill of Rs 2 lakh pm
Deal Subedar Deal Subedar
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Basically i get bills nearly about 1 lakh each from 2 different plots of my factory. 

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Deal Lieutenant Deal Lieutenant
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@Tradingfriend if you get axis ace by Some method, they won't give you much limit initially (based on my personal exp) And if you get card and some decent limit. Then make sure you don't overspend for continuous months. This is red flag for commercial use and will get card blocked for sure. Best is IDFC CC, my guess. Not sure about other cards.
Finance Ninja Finance Ninja
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Idfc will report in AIS if used in excess, i guess axis also..
So he needs to keep that also in mind
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Helpful Helpful
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You can also try to get your hands on paytm citi card it offers 3% unlimited cashback on bill payments
View 6 more replies
Helpful Helpful
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Leave desidime bro
Deal Cadet Deal Cadet
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how to pay via diners black credit card to maximise reward on electritictiy bill payment ?

Deal Subedar Deal Subedar
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May be pay through Gpay ?
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Shopping Friend Shopping Friend
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Pay through solar power for compounding benefits
Critic Critic
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The most useful long term suggestion given in this thread till now.
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Cool Cool
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For Ace - although I have 3 lakh limit, it doesn't allow me to pay more than 20-30k bill through gpay 

And as far as paytm concerned, i have citi card - it gives 3% but also charge if you use to pay bill using cc

I am in same situation where my factory bill is 3.5 lakh (single) and want to apply either business regalia or business elite (sbi) but not sure how to apply 


Deal Lieutenant Deal Lieutenant
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Any discount on 15K Electricity Bill Payment? Any suggestions please
Deal Cadet Deal Cadet
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did u got any offer ?
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Finance Ninja Finance Ninja
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Hi guys, any idea, what % cb does FC plus cc give on Lic payment? I can't see category wise break up of CashBack % anywhere. If it does, then net benefit will be 5 - 1.18% convenience charges = 3.82%. @Tradingfriend @guest_999
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