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Less known CC for utility MCC 4900

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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.
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hs23new

TF Premier
What are some best less known CC for utility mcc 4900 with min 1% reward rate AND not from HDFC, Axis, SBI, Amex. Since Amex is not accepted and I already have planned 10L annual spend on HDFC DCB, Axis Atlas and SBI Cashback. I want to use other bank cards for utility.

Updated list:

1.5% or above with no monthly capping
HSBC Premier - 3%
Au Ixigo - 2.5% as IXIGO money (upto 10k RP = 5k Rs) upto 200k monthly spends
Kotak White - 2.25% on 12L spends (milestone)
RBL World Safari - 2.16% on 7.5L spends (milestone)
Standard Chartered Ultimate (5900) - 2% (poor redemption)
IDFC Vistara - 2.5% - 3% upto 4.5L annual spends (first year only / redemption is difficult)
Au LIT (with 10X) - 2%
BOB Eterna FY - 1.875% on 5L spends. (milestone)
HSBC Cashback - 1.5%
-----

<1.5% or monthly caps
Infinia - 3.3% (50k capping from 1st Aug)
Standard Chartered Smart - 2% upto 50k monthly spends
DBS Spark 20 (1770) - 4.95% on 35k monthly spends
Yes Marquee - 1.25%
Kotak Myntra - 1.25%
Bob Snapdeal - 1%
Au Zenith Plus (5900 / fee waiver on 8L) 1%
ICICI Amazon Apay LTF - 1% (7L spend monthly safe cap)
Federal bank OneCard LTF - 1%
IndusInd Pinnacle LTF - 0.7%
''''''
_
SBI ELITE Business - 4% (corporates only)
Citi Prestige - 4% (new application not accepted)

Anything else?
 
Last edited by hs23:
Apply For LTF AU LIT Credit Card
hs23new said:
What are some best less known CC for utility with min 1% reward rate AND not from HDFC, Axis, SBI, IDFC, Yes. Since I already have the best cards from these banks and planned upto 10L spends on each cards, I want to use other cards for utility.

ICICI Amazon Apay - 1%
Federal bank OneCard - 1%
CSB Jupiter Rupay CC - 1% - 2%

Anything else?
Click to expand...
Au bank cards are also good
 
Please suggest some card which is offered preapproved without CIBIL enquiry. For eg I got Federal OneCard like this.
 
Amex : you will get milestones but not regular mr(unless using cred or az gv).
Also no point in rotating for 1%..
 
hs23new said:
There is a point and its not 1%. Looking for non Amex cards.
Click to expand...
Get au lit or indus legend Etc. ICICI apay, onecard are worse. 1-2% doesn't seem attractive to me compared to the risks but off course your risk appetite is different.
 
Two cards that work best depending on the amount you're paying every month toward Utility bills,

1. Amex MRCC

Gets you 1000 bonus points on every 6k transaction. The first year is free to apply so no costs either and second year fee is ₹1500(but gets negotiated).
Works even better if you pay using Amazon pay after buying vouchers from the multiplier store.

2. Amex Platinum Travel

If your utility bills go up to 4L every year, you will get 40,000 MR points + 10k Taj voucher. This includes any and all spends including utility and fuel.
Works best if your monthly bills are high and you can make ~30k spends every month.

The reward rate using this can be anywhere between 4%-10%(or even more) depending on how you redeem the rewards.
You can also read a detailed article on how to use Amex cards in the best way possible: https://www.technofino.in/community...s-mrcc-card-benefits-and-optimal-usage.19743/
 
coolguy1 said:
Two cards that work best depending on the amount you're paying every month toward Utility bills,

1. Amex MRCC

Gets you 1000 bonus points on every 6k transaction. The first year is free to apply so no costs either and second year fee is ₹1500(but gets negotiated).
Works even better if you pay using Amazon pay after buying vouchers from the multiplier store.

2. Amex Platinum Travel

If your utility bills go up to 4L every year, you will get 40,000 MR points + 10k Taj voucher. This includes any and all spends including utility and fuel.
Works best if your monthly bills are high and you can make ~30k spends every month.

The reward rate using this can be anywhere between 4%-10%(or even more) depending on how you redeem the rewards.
You can also read a detailed article on how to use Amex cards in the best way possible: https://www.technofino.in/community...s-mrcc-card-benefits-and-optimal-usage.19743/
Click to expand...
Thanks but looking for a non Amex card.
 
sm9811911 said:
Get au lit or indus legend Etc. ICICI apay, onecard are worse. 1-2% doesn't seem attractive to me compared to the risks but off course your risk appetite is different.
Click to expand...
Indus legend giving 0.7% on utility MCC 4900.

Au Lit with 2.5% return on utility is good but the annual fees is 1200+gst and redemption fee is 99+ GST.
 
Last edited:
hs23new said:
Indus legend giving 0.7% on utility MCC 4900.

Au Lit with 2.5% return on utility is good but the annual fees is 1200+gst and redemption fee is 99+ GST.
Click to expand...
You can use legend for wallet load like payzapp then use..in fact can use idfv wealth etc same way. Are you sure utility mcc you will use for is 4900?
 
sm9811911 said:
You can use legend for wallet load like payzapp then use..in fact can use idfv wealth etc same way. Are you sure utility mcc you will use for is 4900?
Click to expand...
Yes, utility MCC is 4900 is confirmed. I will not use for wallet loads or buying Apay to pay utility.
 
Rdspam said:
DBS has launched a new line of credit cards. Spark credit cards. The top variant gives 20x on utilities along with milestones.

www.dbs.com

DBS Spark Credit Card: Unlock Exclusive Offers, Benefits & Rewards

DBS Spark Credit Card: Explore a world of premium benefits, including 0% forex markups, luxury hotel memberships, savings on duty-free shopping, & unlimited airport lounge access.
www.dbs.com www.dbs.com
Click to expand...
nice but spark 20 has capping of 7000 points = 1400 Rs. With 99 Rs+gst Redemption fee and 270 gst on joining fee, return is just above 1% on 1L utility spends per month. if redeemed once per year and including 4000 Rs worth milestone bonus, returns are 2.04% on 10L spends.
 
Last edited:
Au Zenith Plus offers 2.3% return on utility spends of 75k with fee waiver on 8L spends. This makes it better then AU Lit with 10x subscription for utility spends. There is also BMS BOGO upto 500 and 4 Airport Meet & Assist per year on paying 900 GST on 5000 joining fee. 5000 Joining fee can be redeemed for 5000 points.
 
Check Tata Neu infinity. Gives 5% returns on utility payments in the form of Neu coins. You need to verify MCC. You have mentioned not from HDFC, but this is not core HDFC, but co-branded, so thought of mentioning the same.
 
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