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

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.

IMG_20230505_150750_734.jpg

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.
 
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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
 
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