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Owning the best and most suitable credit cards has become a way of life for people in the past 2 decades. With the fast pace industry, it is advisable to have the best credit card in India for paying your bills. Having a separate credit card for billing purposes also helps you get various offers from banks on cards catering to monthly bills payment. The best credit card in India for bill payments ensures that the boring tedious task of paying bills becomes rewarding.
Get the best credit cards in India to pay your monthly bills efficiently. Image Source: Moneycrashers.com
Before choosing the best credit card in India, thoroughly research annual fees, reward points system, vouchers, tie-ups with different merchandise, etc. Keeping track of monthly expenditures becomes easy if a credit card pays for everything. Here is a well-curated list of best credit card in India for monthly bill payments:
1. American Express Gold Card
This comes with a ton of rewards that are available for all Indian residents. The perks offered by the card makes up for the annual fee and joining fee. Some of the salient features are as follows:
- Annual fee: Rs. 1,000 and joining fee: Rs. 4,500
- Get 1 reward point for spending Rs. 50 on utilities, fuel, insurance, and cash transactions
- Avail 4000 points on swiping the card 3 times in the first 60 days of getting the credit card
- On using the card for more than Rs. 1000, 4 times in a month you will get 1000 credit points
2. Standard Chartered Manhattan Platinum Credit Card
This is a very popular and feasible option for shopping, dining out and grocery shopping as it gives instant 5% cashback. Some of the key features that make this the best credit card in India are:
- Joining fee: Rs. 499 and annual fee: Rs. 999
- Rs. 150 cashback on every transaction and Rs. 500 every month
- 5 % cashback on shopping and billing payments
- 5 reward points on every Rs. 150 purchase
- Age criteria for applying: 25 to 65 years with minimum 6 lakh annual salary
- Convenient options to make bill payments
3. Citibank Cash Back Credit Card
It offers multiple options for cash savings and cash rebates. It provides 5% cashback for paying utility bills like electricity, water, or mobile bills. Some of the features of this card are as follows:
- Cashback redemption can be done in the multiple of Rs. 500
- Joining fees is Rs. 500 along with the annual fee of Rs. 500
- Avail discount of 20% in select 2000 restaurants in India
4. Axis Bank Neo Credit Card
Axis bank has good offers as cashback benefits, welcome offers, and entertainment vouchers. Amazing partner for shopaholics, and movie buffs out there. Some of the salient features of the card are as follows:
- 2 reward points on every Rs. 200 purchase
- Joining fee of Rs. 250 is waived off on spending Rs 2,500 in the first 45 days
- 10% cashback on mobile recharge 3 times in a month
- Zero card liability in case the credit card gets stolen
5. ICICI Platinum Chip Visa Card
This card can be availed if you have a savings account with the bank or against a deposit. It comes with an added security feature of EMV chip. The chip generates codes that cannot be reused in a particular time framework. Some of the key features of this card are as follows:
- 2 reward points for every Rs. 100 spent
- Annual fees can be waived off by spending Rs. 50,000 annually
6. HSBC Visa Platinum Credit Card
It has no annual charge and offers good reward options. Some of the key features are as follows:
- 2 reward points on every Rs. 150 spends
- 10% cashback on all spends within the first 90 days of getting the card
- Get 5 times reward on spends of more than 4,00,000 in a year
7. Standard Chartered DigiSmart
This could be the best credit card in India for those who prefer shopping online. The card offers numerous shopping privileges from traveling to dining and much more. Some salient features of the card include:
- 20% on Myntra once in a month with Maximum limit Rs. 700
- 20% discount on domestic flights and 10% on International flights with Yatra
- 15% cashback on paying with DigiSmart credit card for cab rides using the Ola app
- 10% of instant discount per transaction on Zomato app or website
- 10% on Grofers 5 times in a month with Max. limit Rs. 1000
8. SBI Simply Save Credit Card
SBI has a stronghold in India and offers one of the best facilities to the customers. Simply save credit card is a daily expenditure credit card for regular bill payments. It also supports people with frequent travel requirements and has a good reward system. Some of the salient features of the card are as follows:
- Earn 10x reward on grocery, dining, movies and departmental store spends
- The credit points can be used to pay off the outstanding debt
- Get an additional 2000 points on spending Rs. 200 in the first 60 days of receiving the card
- Waive off the annual fee by spending Rs. 75,000
9. HDFC MoneyBack Card
This is exclusively for paying bills and utilities. It has a good cashback reward system. Some of the features of the card as follows:
- 2 points reward on Rs. 150 purchase, 2x reward on online spends
- 5X reward in the first 3 months of the card
- The reward redemption is 100 points for Rs. 40
10. American Express Platinum Travel Credit Card
Great reward benefits offered and are available to all Indian residents. Some of the features consist of:
- Get 1 reward point for spending Rs. 50 on utilities, fuel, insurance, and cash transactions
- 4 complimentary lounge visits in 10 cities of India
- Get vouchers worth Rs. 7,500 from Indigo on spending Rs. 1,90,000
The exhaustive list consists of the best credit cards in India catering to various needs of customers.
Also read:
How Your Credit Score is Influenced by Freezing Your Credit Card
Five Reasons for the increasing popularity of credit cards
