Best Credit Card for Utility Bill in India

Axis Airtel

• Pros:
  • 25% up to 250rs on Airtel Utilities, 10% up to 250rs on all Other Utilities
  • Additional 25% up to 250 on Airtel bill including Airtel wifi
• Cons:
  • Not good for Amazon

Axis Ace

• Pros:
  • 5% up to 500rs on all Utilities
• Cons:
  • Limited to Android users

ICICI Amazon Pay

• Pros:
  • 2% Unlimited cashback on all Utilities

Tata Neu Infinity

• Pros:
  • 5% cash back without restrictions
• Cons:
  • Limited to Tata ecosystem for maximum benefits

SBI Cashback

• Pros:
  • Good for most expenses
• Cons:
  • Excluded from some Amazon offers

Amex Gold

• Pros:
  • Offers high rewards for bills between 6k - 10k
• Cons:
  • Limited to certain bill amounts

HDFC Infinia

• Pros:
  • Gives 5% as NeuCoins on Utility Bill payments
• Cons:
  • High fee but offers great benefits with proper planning

Axis Shopper

• Cons:
  • Not recommended for utility bill payments according to some users

IDFC

• Cons:
  • Requires maintaining 10L amb for ongoing benefits

ICICI Coral

• Cons:
  • Co-branded cards like MMT ICICI might be excluded
• Pros:
  • Can be good for specific online and offline offers

Other recommendations:

• Consider getting multiple cards for different spending categories
• Check for cards with lifetime free benefits to maximize rewards
• Utilize Rupay cards for unethical tricks like paying other credit card bills
• Look for cards like Axis Ace and Airtel Axis which offer good cashback rates
• Consider premium cards like HDFC Infinia for high rewards with proper usage and planning
• Utilize cards like Amex Gold for specific bill amounts for maximum benefits

This comprehensive summary outlines the pros and cons of the various credit cards mentioned by Reddit users for utility bill payments in India, helping to make an informed decision based on individual preferences and spending patterns.