Credit Card for Utility Payment

[harshgupta940]

Hey Folks,

I have to do Utility payment on No Broker Hood which is my society's payment aggregator but it charges around 1.18% on Credit Card payment. I need to spend around 8k monthly on it.

I have two cards in my mind
- Au Lit -> by purchasing the 5% milestone cashback feature I can get an effective reward rate of 3.8%
- HSBC Cashback -> It gives 1.5% unlimited which will recover my charges but the 10% on grocery dining and food delivery will help me earn decent cashback and also will waive the fees.


Please suggest any card even different from this which can be beneficial.

 

[drsel]

These cards do not give any cashback for rent

 

[drsel]

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[harshgupta940]

These cards do not give any cashback for rent

The mcc for my payment is not rent it is Utility as I have to do maintenance and electricity

 

[drsel]

The mcc for my payment is not rent it is Utility as I have to do maintenance and electricity

DBS Spark 20 is for utility bills but you need a DBS savings account

 

[drsel]

DBS Spark 20 is giving 4% return on utility bills on spends between 20000 to 35000 (4000 to 7000 points max) every card anniversary month.
Plus extra 1% (5000 points @20p) for touching 1 lac every 3 months, which is easily reachable.
Each point is worth 20 paisa

However this card is available only to DBS bank employees and select bank account holders