Vijaya Bank Rupay Platinum or Select Card: Offers the Top Cashback Rate for Utilities

Vijaya Bank Rupay Platinum or Select Card: Offers the Top Cashback Rate for Utilities

A Solid No-Fee Credit Card for Utilities & Dining Spending

Good for

  • Frequent travellers
  • Utility and dining spenders
  • Low spenders

Bad for

  • High spenders
  • Consumers looking for a general spending card

Editor's Rating

3.5/5.0

The Vijaya Bank Rupay Card is an excellent credit card for low spending consumers looking for great rates on utilities and dining transactions. For example, the card earns 5% cashback on both utilities and dining. This cashback is capped at Rs. 50 per month for each category. Therefore, the Vijaya Rupay card is for those who do not spend often. In addition to its competitive cashback rates, the Vijaya Rupay Card offers 8 domestic and 4 international airport lounge visits per year. Unfortunately, the card does not earn any rewards on general spending. As a result, the Vijaya Rupay Card is best for those that spend sparingly on utilities and dining.

ProsCons
  • 5% cashback on utility bills & dining
  • 8 domestic airport lounge visits
  • 4 international airport lounge visits
  • No general spend rewards rate
  • Low cap of Rs. 50 per category per month
Promotions:
  • Sign-Up Bonus: Gift voucher from TATA Croma worth Rs. 500
  • Sign-Up Bonus: Discount of up to 15% at Apollo Pharmacy Stores
Card Overview
Pros:
  • 5% cashback on utility bills & dining
  • 8 domestic airport lounge visits
  • 4 international airport lounge visits
Cons:
  • No general spend rewards rate
  • Low cap of Rs. 50 per category per month
Promotions:
  • Sign-Up Bonus: Gift voucher from TATA Croma worth Rs. 500
  • Sign-Up Bonus: Discount of up to 15% at Apollo Pharmacy Stores

What Makes Vijaya Rupay Platinum or Select Card Stand Out?

The Vijaya Bank Rupay Card is a great option for those that consistently spend a modest amount utilities and dining. The Rupay card earns a market leading 5% cashback on both utilities and dining spending. It does come with a relatively low cap of Rs. 50 for each category, making it the most suitable for those that will not spend enough to hit that cap (less than Rs 1,000 per month, each).

Additionally, the Vijaya Rupay Card offers 8 domestic and 4 international airport lounge visits per year. Cardholders also receive sign-up bonuses in the forms of Tata Croma vouchers and Apollo Pharmacy Store discounts. The card also has many other perks and discounts as shown in the table below. However, the primary downside of the card, is that it does not offer any rewards on general spending, which requires the cardholder to primarily spend on utility bills and dining. In all, the card is most suitable for low spending consumers who primarily spend on utility bills and dining.

ProviderOffers
BookMyShow
  • Flat Rs. 100 discount on movie tickets
  • Rs. 50 discount on food & beverages
Malabar Gold & Diamonds
  • 3% discount on gold jewellery purchase
  • 4% discount on diamond jewellery
Joyalukkas
  • Buy gold jewellery and get equal weight in silver
  • Buy diamond jewellery worth Rs. 50,000 and get a 1 gram gold coin
Ajio
  • Rs. 300 discount on minimum purchase of Rs. 1,299
Jabong
  • Rs. 400 discount on minimum purchase of Rs. 1,299
Enrich Salon
  • 15% discount on minimum spends of Rs. 750
VLCC
  • Buy 1 get 1 service on all beauty services
Papa John's
  • 15% on total bill
The Fern Hotels
  • 15% discount on accommodation
  • 15% discount on food & soft drinks
Zoom Car
  • Up to Rs. 1,500 off on Zoom Car (ECOM)
Gadgets 360
  • 5% discount on mobiles up to Rs. 200
  • 10% discount on laptops up to Rs. 500

How Does the Vijaya Rupay Platinum or Select Rewards Programme Work?

The Vijaya Rupay Card rewards programme earns cardholders cashback for their transactions on both utility and dining. Both utility and dining spending earn a 5% cashback, which is the highest rate offered for utility bill payments. The card has a low cap of Rs. 50 per month for each category. This means that cardholders that spend more than Rs. 1,000 on either category will not earn additional cashback from that category, for the rest of the month.

  • 5% cashback on both utility bill payments and dining
  • Cap of Rs. 50 on both utility bill payments and dining cashback per month

Vijaya Rupay Platinum or Select Credit Card's Features and Benefits:

Card Overview
  • Annual Fee: None
  • Income Requirement: None listed by issuer
  • Age Requirement: None listed by issuer
Rewards Rate Details
  • 5% cashback on utility bill payments and dining spends
Benefits & Perks
  • BookMyShow: Discount of Rs. 100 on movie tickets purchased and Rs. 50 discount on food purchased
  • Papa Johns: 15% discount on total bill
  • Zoom Car: Up to Rs. 1,500 off on ZoomCar (ECOM)
Promotions:
  • Sign-Up Bonus: Gift voucher from TATA Croma worth Rs. 500
  • Sign-Up Bonus: Discount of up to 15% at Apollo Pharmacy Stores

How Does the Vijaya Rupay Platinum or Select Credit Card Compare Against Other Cards?

The Vijaya Rupay Card offers an excellent cashback rate for both utilities and dining; however, due to its low Rs. 50 cap on both categories per month, it is not as competitive and should only be used by lower spenders. Read our comparisons of the Vijaya Rupay Platinum or Select Credit Card:

Graph showing India’s Best Utility Cards for Consumers Spending approximately Rs. 47,000 per month

Vijaya Rupay Platinum or Select Card vs. Citi Cashback Card

Consider this if you are looking for a card for utility bill, phone bill and movie spending

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

The Citibank Cashback Card is a great option for consumers who spend a lot on utility bills, phone bills and movie tickets (Rs. 1,000 - 2,000 per month, each). For instance, the Citi Cashback Card earns an excellent 5% cashback on all three categories with a Rs. 100 cap for each category per month. This is more valuable than the Vijaya Card's 5% cashback, which has a Rs. 50 cap each month.

Further, the Citi Cashback Card offers a low 0.50% cashback on general spending, while the Vijaya Rupay Card does not earn anything. However, the Citi Cashback Card incurs an annual fee of Rs. 500, whereas the Vijaya Rupay Card does not charge any fees. In sum, the Citibank Cashback Card is a better option for utility spending than the Rupay card for those that spend upwards of Rs. 1,000 per month. However, if you spend less, and are interested in a credit card with no fees and high cashback on utilities and dining, the Vijaya Rupay Card will suit you well.

Vijaya Rupay Platinum or Select Card vs. Standard Chartered Super Value Titanium Card

Consider this if you are interested in a cashback card to use on fuel, phone bills and utility 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 consumers seeking a cashback card to use on fuel, phone bills and utility bills. The Titanium Card earns 5% on all categories, including all fuel vendors(capped at Rs. 200 per month). This is much more attractive than the Vijaya Cards 5% cashback, which is capped at Rs. 50. On the other hand, the Titanium Card charges a fee of Rs. 750, whereas the Vijaya Card charges no fee. As a result, if you are a higher spender interested in a cashback card to use on fuel, phone bills and utility bills, then the Titanium Card will suit you better. However, if you are looking to avoid fees and are a lower spender seeking a decent cashback card, the Vijaya Card would be a better fit.

Vijaya Rupay Platinum or Select Card vs. SBI Card Prime

Consider this if you are interested in a more versatile card that also happens to be the best for utility spending in India

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

The SBI Card PRIME is the best card in India for utility bill payments. The Prime Card earns a 5% rewards rate (20 points per Rs. 100 spent; 4 points = Rs. 1) on utility bill spends, but unlike the Vijaya Rupay Card, these rewards are capped at Rs. 750 per month. Moreover, unlike the Vijaya Rupay, the Prime Card earns 2.50% (10 points per Rs. 100 spent) on dining, groceries, retail and movie spends, further exemplifying the versatility of the card. The Prime Card also earns a 3.75% (15 points per Rs. 100 spent) on online groceries from BigBasket. However, the Prime Card charges a high fee of Rs. 2,999, while the Vijaya Card does not charge an annual fee. Therefore, we recommend the Prime Card to those seeking a more versatile utilities credit card and the Vijaya Card to low-spenders interested in a utility bill and dining cashback card with no fee.

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.