Best Credit Cards for Utility Bill Payments in 2023

While credit cards offer numerous benefits like rewards and cashback, many fail to provide exclusive advantages for utility bill payments. Some credit cards don't even offer reward points or basic cashback for these essential expenses. Here are the best credit cards that offer higher rewards or cashback on utility bill payments for 2023:

Detailed Card Features and Benefits

1. Standard Chartered Bank Super Value Titanium Credit Card

• Annual Fee: Rs. 750
• Key Benefits: 5% cashback on telephone and utility bill payments
• Additional Features: 5% cashback on fuel expenses, 1 reward point for every Rs. 150 spent on other categories, Complimentary Priority Pass Membership.

2. Axis ACE Credit Card

• Annual Fee: Rs. 499
• Key Benefit: 5% cashback on bill payments, DTH & mobile recharges via Google Pay.
• Additional Features: 4% cashback on Swiggy, Zomato, and Ola, 2% cashback on all other spends, Complimentary domestic lounge visits, Fuel surcharge waiver.

3. HDFC Regalia Credit Card

• Annual Fee: Rs. 2,500
• Key Benefit: 4 reward points per Rs. 150 spent on insurance, utilities & education.
• Additional Features: Reward points on achieving spending milestones, Complimentary airport lounge visits, Priority Pass Membership, Low foreign currency markup fee.

4. Airtel Axis Bank Credit Card

• Annual Fee: Rs. 500
• Key Benefit: 10% cashback on utility bill payments through the Airtel Thanks app
• Additional Features: 25% cashback on Airtel bill payments, 10% cashback on transactions at Swiggy, Zomato, and BigBasket, Complimentary domestic lounge visits, Fuel surcharge waiver.

5. ICICI Platinum Chip Credit Card

• Annual Fee: Nil
• Key Benefit: 1 reward point per Rs. 100 spent on utilities and insurance
• Additional Features: 2 reward points per Rs. 100 spent on retail purchases (except fuel), Dining discounts, Fuel surcharge waiver.

6. Axis MyChoice Credit Card

• Annual Fee: Rs 250
• Key Benefits: 5% cash back on any 2 categories including utility bills 
• Additional Features: 4 Reward points per Rs 200 spent on online transactions, 15% off at select partner restaurants, 100 reward points on the first online transaction.

7. SBI Card Prime

• Annual Fee: Rs. 2999
• Key Benefits: 20 reward points per Rs 100 spent on utility bills standing instructions
• Additional Benefits: 20 reward points per Rs 100 spent on your birthday, 10 Reward Points per Rs 100 spent on dining, movies, groceries, and departmental stores, Waiver of renewal fees on Rs 3 lacs spend in a year, 8 complimentary access in a year to domestic airport lounges with a max 2 visits in a quarter.

Conclusion

When it comes to paying utility bills, having a credit card that offers exclusive benefits is essential. The listed credit cards, including Standard Chartered Super Value Titanium, Axis ACE, HDFC Regalia, Airtel Axis Bank, and ICICI Platinum Chip, Axis MyChoice, SBI Card Prime provide higher rewards or cashback on utility bill payments. Choose a card that aligns with your spending habits and requirements, and enjoy the convenience and benefits while managing your utility expenses.

FAQs on utility payment credit cards

Q1: What payments are allowed under utility bills credit card?

A: Utility bill payments include gas, electricity, water, mobile recharge, cable TV recharge, and other similar expenses. Credit cards can be used for these transactions, offering reward points, discounts, and additional benefits.

Q2: Can you use a credit card for utilities?

A: Yes, you can use a credit card to make utility bill payments by paying a minimal processing fee, depending on the card provider.

Q3: Can electricity bills be paid through credit cards?

A: Yes, you can pay your electricity bills through credit cards offered by various providers. Payments can be made online through the official website or mobile applications.

Q4: How many types of utility bills are there?

A: Utility bills include cable TV, internet, mobile services, water, sewerage, electricity, gas, and garbage bills. The types of bills vary based on individual consumption.

Q5: How do I pay my utility bills with a utility credit card?

A: To pay utility bills using your utility credit card, log in to your account on the card provider's official website. Select the biller, enter the amount, and provide your card details to complete the payment procedure.