Best Credit Cards in India for Utility Bill Payment 2020

Many credit cards in India give great rewards specifically for utility bill payments, while others have solid reward rates across many categories. A couple of the top picks require setting up standing instructions (or automatic payments), a very efficient feature to avoid the hassle of manual payments month after month. Review our choices of best credit cards for your utility bill payments and find the right one for you.

Best Credit Cards for Utility Bill Payments
Our Top PickSBI Card PRIMERs. 3,000 bonus, 5% utilities, 2.50% dining, groceries & more
No FeeVijaya Rupay Credit Card5% cashback utilities & dining, 12 lounge visits/year
SecuredBOB Financial Prime Card1% cashback all spend, Rs. 15,000 minimum fixed deposit
CashbackSC Ultimate3.33% all spend, up to Rs. 10,000 MakeMyTrip
SC Super Value Titanium5% cashback on utility bills and fuel
TravelJetPrivilege HDFC Diners2x on Intermiles, unlimited global lounge
Movies/PhoneCitibank Cashback Card5% utilities, phone bill, movie tickets; 0.5% on all other

Best Credit Card for Utility Bill Payments: SBI Card PRIME

Consider this if you also want great rewards on groceries, shopping, dining and movies

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 3,000 vouchers from any of Yatra, Bata/Hush Puppies, Marks & Spencer, Pantaloons or Shoppers Stop
  • Anniversary Bonus: Rs. 7,000 voucher from Yatra or Pantaloons on annual spend of Rs. 500,000

SBI Card PRIME is the most valuable credit card in the market for utility bill payments. First, the card has a great Rs. 3,000 welcome gift in the form of vouchers to Yatra or other brands. On spend, you'll get top-of-market 5% rupee value back (20 points per Rs. 100 spent; 4 points = Rs. 1 cashback) on standing instructions of utility bill payments. Additionally, you'll earn great 3.75% back (15 points per Rs. 100 spent) on online groceries from BigBasket and select Reliance brands (including grocery, footwear and shopping stores). General dining, groceries, department store and movie spend will earn a very good 2.50% back (10 points per Rs. 100 spent), and all other retail spend will net you middle-of-the-road 0.50% value back (2 points per Rs. 100).

SBI Card PRIME also has great perks, including 4 free international and 8 free domestic airport lounge visits per year. You'll also get free golf, and discounts on certain hotel bookings, car rentals (up to 35%), and luxury airport transfer (15%). Last, you'll get an 25% extra miles on Kaligo hotel bookings. This is the best credit card pick for utility bill payments, since it comes along with great rates on groceries and shopping, as well as great perks.

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  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 20 points/Rs. 100 utilities; 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 visits/yr int'l lounges (8 domestic); 4 green fees/yr, 1 golf lesson/month; certain hotel booking discounts; 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 visits/yr int'l lounges (8 domestic); 4 green fees/yr, 1 golf lesson/month; certain hotel booking discounts; 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)

Best No-Fee Credit Card for Utility Bills: Vijaya Rupay Card (Platinum or Select)

Consider this if you don't want to pay an annual fee under any circumstances

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gifts: Rs. 500 Tata Croma voucher; discount up to 15% at Apollo Pharmacy

Although an annual fee can be worth it for great rewards, the Vijaya Rupay Credit Card is the best for utility bill payments if you want to totally avoid a fee. The card comes with a nice Rs. 500 Tata Croma welcome voucher, and then you'll earn top-of-market 5% cashback on monthly utility spend (Rs. 50 cashback monthly cap). The same 5% rate applies to dining, which is a great rate on that category, though this is also capped at Rs. 50 per month. So, if you like to dine out frequently and hit the cap, your 5% return will be driven down rather quickly.

Last, the card provides great airport lounge access, with 8 free visits domestically and 4 internationally per year. Bottom line, if you want a no-fee card for utility bill payments that also gives rewards on dining and lounge access, look no further than the Vijaya Rupay Card.

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  • Reward Earn Rate: 5% cashback on dining and utilities (max Rs. 50 cashback/month for each category)
  • Perks: 8 free visits/year across 30+ domestic lounges in 11 cities; 4 free/visits year across 500+ international lounges in 300 cities; loss of life and permanent disability insurance
  • Reward Earn Rate: 5% cashback on utilities and dining (max Rs. 50 cashback/month for each category)
  • Perks: 8 free visits/year across 30+ domestic lounges in 11 cities; 4 free/visits year across 500+ international lounges in 300 cities; loss of life and permanent disability insurance

Best Secured Credit Card for Utility Bills: BOB Financial Prime Card

Consider this if you have poor, limited or nonexistent credit history

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The BOB Financial Prime Card is the best pick for making utility bill payments, if you need a secured credit card. Also known as a credit card against fixed deposit, it's a great card to start with, build credit and eventually move up to a more valuable card. The BOB Financial Prime Card will give you 1% rupee value back (4 points per Rs. 100 spent, 4 points = Rs. 1) on all spend, including utilities, which is great among secured cards. It also has the lowest deposit requirement (Rs. 15,000) in India. Get the BOB Prime to earn good value on your utility and other spend while you need a credit card against fixed deposit.

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  • Minimum Fixed Deposit: Rs. 15,000
  • Reward Earn Rate: 4 Reward Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Minimum Fixed Deposit: Rs. 15,000
  • Reward Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month

Best Cashback Cards for Utility Spending

The options below represent the best cashback cards for utilities. If you are interested in earning cash by paying your utility bill or from your other purchases, these cards may be a good fit.

Best General Cashback Card: Standard Chartered Ultimate Card

Consider this if you want a great reward rate on multiple spend categories

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Sign-Up Bonus: Up to ₹ 10,000 cashback on MakeMyTrip if booked within 90 days of card issuance
  • Renewal benefit: 5,000 points

The Standard Chartered Ultimate Card is an excellent choice for earning rewards on a variety of categories, including utility bill payments. First, cardholders will get an excellent welcome gift of up to Rs. 10,000 cashback on MakeMyTrip tickets booked within the first 90 days. On general spend, you'll receive best-in-market 3.33% rewards rate with no exclusions (5 points per Rs. 150 spent; 1 point = Rs. 1 cashback).

The Standard Chartered Ultimate Card has great travel perks too, including 4 airport lounge visits per quarter , and one free Priority Pass visit per month if you reach Rs. 20,000 in monthly spending. You'll also receive 5% off duty free purchases with a charge of 2% in foreign currency transaction fees overseas, which is much lower than the typical 3.5% on most cards. Overall, get the SC Ultimate Card to earn great cashback on all spending categories including utility bill payments, as well as for its great perks.

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  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage
  • Annual Fee: Rs. 5,000
  • Reward Earn Rate: 5 points per Rs. 150 spent on all transactions; 5% cashback duty free spend
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary Priority Pass membership (USD 27/visit, waived once monthly if last month's spend > Rs. 20,000); Visa Lounge access (4 free visits/quarter, major airports in India); 2 free domestic golf games/month (1 free guest game/month), 1 free golf coaching session/month; air accident cover of Rs. 1 crore, emergency medical, bag delay, loss of bags/personal docs, hijacking and flight delay coverage

Best Cashback Card for Utility Bills: Standard Chartered Super Value Titanium Card

Consider this if you want a good cashback card that offers high cashback on utility, fuel, and phone bills

Age Requirement 21-65
Annual Income Requirement None listed by issuer

The Standard Chartered Super Value Titanium Credit Card is a great option for those seeking a cashback card with elevated rates for utilities. The card offers 5% cashback on utility, fuel and phone bills—the highest among the cards in our review. It is worth noting that cashback on utility spending is subject to Rs. 750 minimum transaction, with a maximum cashback of Rs. 100 per month. It is also important to note that SC Premium Banking customers are not charged an annual fee and are also offered a free monthly visit to Priority Pass airport lounges. The downside of this card is that other categories will earn just 0.67% cashback. Therefore, the Standard Chartered Super Value Titanium Card is best for those looking for a cashback card that will be used to spend on utility, fuel, and phone bills, specifically.

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  • Annual Fee: Rs. 750 (Can be waived by Premium Banking customers)
  • Reward Earn Rate: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 InterMiles = ~Rs. 24
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)
  • Annual Fee: Rs. 750 (Can be waived by Premium Banking customers)
  • Reward Earn Rate: 1 point per Rs. 150 spent (Premium Banking: 5x overseas spend)
  • Point Value: 100 points = 53 InterMiles = ~Rs. 24
  • Utilities: 5% cashback, minimum transaction of Rs. 750, max Rs. 100 cashback/month
  • Fuel: 5% cashback (net of surcharge), min transaction Rs. 750, max Rs. 100 cashback/transaction & Rs. 200/month
  • Phone bill: 5% cashback, min transaction of Rs. 750, max Rs. 100 cashback per transaction & Rs. 200 per month
  • SC Good Life Program; Premium Banking - Priority Pass (1 free lounge visit per month)

Best Travel Credit Card for Utility Bills: JetPrivilege HDFC Bank Diners Club Credit Card

Consider this if you value unlimited lounge access and unlimited golf

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer
Bonuses
  • Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket

The JetPrivilege HDFC Bank Diners Club Credit Card is the best credit card in India if you tend to travel frequently and prefer to book your travels on the InterMiles platform. General transactions (excluding fuel) earn a great 2.4% value back (8 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.45), including on utility bill payments. We're including this card among our best utility card picks for that reason, but you'll primarily love it for its travel rewards. As long as you fly Jet Airways, the card's annual fees are easily offset by the welcome and renewal bonuses. High spenders also have the opportunity to receive extra Intermiles by achieving certain spending limits.

Further, you'll get an excellent 5.4% rupee value back (16 InterMiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.51) on Intermiles bookings, and another 5% off base fare tickets. The card also earns an excellent 6.8% (20 Intermiles per Rs. 150, 1 point = 1 InterMile = Rs. 0.51) rewards rate for bookings on Etihad Airways, with a 5% discount on economy tickets and 10% discount on business ticket purchases. On the perks side, the card is one of the few in India with unlimited lounge access, specifically to the Diners Club network (over 600 lounges globally). Its travel perks also include domestic airport premiere check-in and extra baggage allowance. Last, you'll get unlimited free golf games (green fee waiver) at 20 courses in India and 40 worldwide, as well as unlimited lessons at 14 courses across 9 cities in India. This is a fantastic card if you fly enough using the Intermiles platform, and you'll be very happy with your return on utility bill payments.

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  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel; 2.5x InterMiles on Etihad bookings; 2x InterMiles on Intermiles bookings
  • Est. Point Value: 1 intermile = Rs. 0.51
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 points per Rs. 150 spent except fuel; 2.5x miles on Etihad bookings; 2x miles on Intermiles
  • Est. Point Value: 1 intermile = Rs. 0.51
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; free golf lesson at select ranges in India; domestic airport premiere check-in & extra baggage allowance; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month

Best Credit Card for Utilities, Movies & Telephone Bill: Citibank Cashback Card

Consider this if you're willing to set up recurring payments through Citi

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Citibank Cashback Card is the best utilities credit card if you also want excellent rewards on your telephone bill and movie ticket purchases. The card has a fairly low annual fee of Rs. 500, and beyond the first year it will be waived if you spend at least Rs. 30,000 annually. On rewards, you'll earn best-in-market 5% back on utility bill payments that you enroll and charge to Citi Bill Pay, or if you pay through Citibank Online Payments (max Rs. 100 per month). You'll also get 5% back on telephone bill payments and on movie tickets, excellent rates for both categories. Get this card if you highly value the cashback on these three categories.

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  • Annual Fee: Rs. 500 (after 1st year, waived on annual spend of Rs. 30,000)
  • Reward Earn Rate: 5% cashback on utility bill payments through Citi, telephone bill payments, movie ticket purchases (max Rs. 100 cashback monthly for each category), 0.5% cashback on all other spend
  • Perks: 15% off at select restaurants
  • Fuel Surcharge Waiver: IndianOil pumps, Citi EDCs
  • Annual Fee: Rs. 500 (after 1st year, waived on annual spend of Rs. 30,000)
  • Reward Earn Rate: 5% cashback on utility bill payments through Citi, telephone bill payments, movie ticket purchases (max Rs. 100 cashback monthly for each category), 0.5% cashback on all other spend
  • Perks: 15% off at select restaurants
  • Fuel Surcharge Waiver: IndianOil pumps, Citi EDCs
Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.