Less known CC for utility MCC 4900

[seekndestroy99]

SC Smart 2% is as per statement cycle or calendar month?

 

[Rdspam]

SC Smart 2% is as per statement cycle or calendar month?

Cycle i think

 

[panu24]

SC Smart 2% is as per statement cycle or calendar month?

Its Calendar month. Cashback comes after 2-3 days but date of transaction is considered for calculating monthwise spend.

 

[MJN]

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
Au Ixigo - 2.5% as IXIGO money (upto 10k RP = 5k Rs) upto 200k monthly spends
IDFC Vistara - 2.5% - 3% upto 4.5L annual spends (first year only / redemption is difficult)
Kotak White - 2.25% on 12L spends
RBL World Safari - 2.16% on 7.5L spends
Au LIT (with 10X) - 2%
Standard Chartered Ultimate (5900) - 2% (Decathlon is good redemption option)
BOB Eterna FY - 1.875% on 5L spends.
HSBC Cashback - 1.5%
-----

<1.5% or monthly caps
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%
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?

Devaluation:Hsbc cashback will not give 1.5% from July 15,2024

 

[seekndestroy99]

PNB RuPay Select 0.67%

 

[TheGuy]

@hs23new please update and turn this post in wiki.

 

[hs23new]

Its wiki now, feel free to update it.

 

[hs23new]

@vaibhav111 @ashwink Requesting mods to move to CB Hunter group.

 

[ChurningNoob]

Citi Prestige doesn't give rewards on Utility

 

[hs23new]

Citi Prestige doesn't give rewards on Utility

Updated.

Its a wiki post, feel free to contribute.

 

[bhaveshS]

Au lit 2% cashback category excluded utility?

 

[drsel]

Au lit 2% cashback category excluded utility?

Yes it's Excluded

 

[jack333]

Au lit 2% cashback category excluded utility?

Wallet pe karo 2+2% de raha

 

[bhaveshS]

Wallet pe karo 2+2% de raha

mobikwik 1k + amazon 2k via uber iske alwa or kaha add kr skte hai??

 

[MJN]

Where is IDFC POWER PLUS - Which gives 5% on Utility??

 

[jack333]

Where is IDFC POWER PLUS - Which gives 5% on Utility??

Very low capping

 

[MJN]

Very low capping

Yes.. But Something is better than Nothing..
Rs 100 / Month..

Grocery and Utility 30X Rewards = 5% savings
• Applicable on: Eligible grocery & utility transactions are identified basis the
Merchant Category Code (MCC) received with the transaction data.
• Applicable structure: 30 Reward points per ₹150 spends on grocery & utility (1
Reward point = ₹0.25)
• Maximum spends capping: ₹2,000 per statement cycle (Maximum 400 Rewards
per statement cycle)
• Savings currency: Reward Points credit in card statement.
• No rewards will be given in case merchant does not belong to utility/grocery
category basis the MCC

 

[drsel]

yeah... 118 as redemption charge also
also, they DON'T pool points. so RP of Power is different from wealth or select...
sometimes it is hit or miss. then you gotta mail them. they won't resolve. then you gotta call them... haven't tried more

You are absolutely right !
I tried to redeem 59 rupees and it was showing no charges but later on they added 118 as fees so I was in a loss.

Please don't use any IDFC cards to collect points it is a total effort in futility

 

[TheGuy]

please do honours of crossing off BoB Snapdeal too. Context. @hs23new