After Ace Devaluation, what's the best card for Utility Payments?

[D₹V]

P.s. I'm assuming usage - utility payments only. For offline & other* spends Ace is still best card .

1. Axis Bank FreeCharge Plus Credit Card [Invite Based Only]

Charges:
• Joining Charges: Free
• Annual Charges: 350* + GST
• *Waiver on 50k spends annually
• P.s. leave the application halfway & apply only after you get call from agent & they might offer you LTF card.



Pros:
• 5% unlimited CB on Utility Payments via FreeCharge App
• 2% on Ola, Uber, Etc
• 1% on Offline & Online

Cons:
• FreeCharge charges 1% Convenience Fee + 18% GST on each utility payment except recharges, so technically ~ 3.8% savings as cashback.

Hidden Tips:
• As per TnC, Insurance Payments are not eligible for cashback but we get 5% cashback [3.8% after charges] which makes this card a Gem . P.s. I haven't tried this personally.
• Time to time we get FC account specific PromoCodes too e.g. FC10 which is for UPI only [as per TnC] but we get CB with this card too [Bug]
• FC offer scratch cards on each txn, before txn your location should be on & you'll get SC in 'FC Cashback' section [reward is obviously luck based].

2. RuPay Platinum Debit Card

Offer: 20% upto 100 instant discount per month on Utility Payments via Amazon [Valid on Fridays Only Till 31st March, 2024]

3. Tata Neu Infinity Credit Card

• Tata Neu Infinity card also offer 5% cashback as NeuCoins .

4. IDFC FIRST Power+ RuPay Credit Card

• 5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.

 

[Banking101]

Yes possible but your account will be flagged soon & CC option will be disabled for payment.

 

[ak93]

Axis magnus ~14.4% (miles) by buying amazon gc from gyftr and pay utility from Amazon!

Or were you listing only direct cashback cards?

 

[krishc]

IDFC FIRST Power+ RuPay Credit Card -

5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.

Do IDFC allow 2 credit cards ?

 

[Abhishek012]

Do IDFC allow 2 credit cards ?

No but you try

 

[rockking1994]

Airtel axis card for bills upto 3000 you get 10%CB caped at 300
And airtel mobile recharge wifi dth you get 25% caped at 300
And 10% for swiggy zomato bigbasket caped at 500
Note these cb are calculated as 300 + 300 + 500 if you manage to utilise it to full extent you can get 1100 cb on spendind 3000 + 1200 + 5000
Which is about 12%
If your spends are limited it can offer a great CB

 

[vvnsk]

I am planning to pay insurance bill of 96000
What is the best card to pay from
I have
tata neu infinity
Axis ace
Amazon pay icici card

Does tata neu infinity card gives 5% for insurance payments also??

 

[Akash Topder]

After devaluation, Still Apay voucher getting 5% cashback?

Yes

 

[Akash Topder]

Just buy voucher directly from Amazon and not from gyftr.

Gyftr is not giving 5% back now right? Anyone validated this?

 

[Rohith_Kumar_Sp]

I am planning to pay insurance bill of 96000
What is the best card to pay from
I have
tata neu infinity
Axis ace
Amazon pay icici card

Does tata neu infinity card gives 5% for insurance payments also??

either way amazon is not accepting Credit card for Insurance, outside Amazon it might give 1%

 

[Dragon_slayer]

Gyftr is not giving 5% back now right? Anyone validated this?

It's clearly mentioned in T&C, so better not to take the risk.

 

[Abhishek012]

It's clearly mentioned in T&C, so better not to take the risk.

Buy Rs100 Amazon gv from gyftr and check

 

[pandyag]

No but you try

cant apply. tried changing mobile number also.

 

[CreditFreak]

does axis ace gives 2% cb on gift card purchase?

 

[pprakash11]

does axis ace gives 2% cb on gift card purchase?

Yes. 100%

 

[Abhishek012]

does axis ace gives 2% cb on gift card purchase?

Use SBI Cashback card na for gift card purchase from Amazon and get 5% cashback.

 

[Rohith_Kumar_Sp]

Yes. 100%

From where?

 

[pprakash11]

From where?

Anywhere.

 

[thegame]

IDFC FIRST Power+ RuPay Credit Card -

5% savings as Rewards on Grocery & Utility expenses of up to ₹2,000 every month.

at first, I misread that as 2k as CB per month but later went through their website for details

 

[D₹V]

View attachment 16331
at first, I misread that as 2k as CB per month but later went through their website for details

So it's 100 p.m. only?

 

[pprakash11]

So it's 100 p.m. only?

Yes