You can buy Amazon gift card and use it pay utilities if Amazon has option. Obviously if it the amount can't be divided then this way doesn't work as Amazon has limitation of only keeping 1 lakh at a time. For buying Amazon gift card, this can be done in many ways - buy through gyftr portal(20k * how many add-on card you have), Amex multiplier(25k), buying directly from Amazon site, intermiles etc.