We all know the feeling: a pile of bills staring back at us, reminding us of the mundane realities of life. But what if we could turn this chore into a rewarding experience? With the right credit card, you can transform your bill payments and phone recharge into opportunities to earn exciting rewards, like cashback, points, or miles. These rewards can then be redeemed for amazing experiences, travel, Gift vouchers, or even discounts on future purchases.
You can also use Credit Card Bill payment offers to get extra discounts on bill payments of credit card too, Cheq and Cred are the best apps for credit card bill payment but we have more offers for you coming directly to our Telegram channel
So, let’s ditch the bill-paying blues and embrace a world of rewards! Here’s a detailed look at the top 5 credit cards in India that offer the best rewards on recharge and bill payments:
1. Axis Neo Credit Card
- Rewards: This card packs a punch with a whopping 5% cashback on bill payments made through Google Pay, including DTH, mobile recharge, electricity, water, and gas bills. Additionally, you’ll earn 4% cashback on Swiggy, Zomato, and Ola rides, making it ideal for the urban foodie and frequent commuter. On top of that, you get 2% cashback on all other eligible spends, maximizing your reward potential.
- Special: 100% Cashback Rs.300 Cashback on First Recharge/Bill Payment Using Amazon Pay
- Annual Fee: FREE For a Limited Time period While the annual fee is Rs. 499, it’s waived if you spend over Rs. 10,000 within 45 days of card issuance.
- Benefits: This card doesn’t just offer cashback; it also comes with a welcome gift of 5,000 reward points, airport lounge access for a luxurious travel experience, and a fuel surcharge waiver to save you money at the pump.
- Lounge Benefits: 4 Complementary Lounge Visits
2. Airtel Axis Bank Credit Card:
- Rewards: This card is a dream come true for Airtel users! Enjoy 10% cashback on utility expense payments made through the Airtel Thanks app, including electricity, water, and gas bills. You’ll also get 10% cashback on Airtel mobile postpaid bills and 25% cashback on Airtel online recharge, ensuring you save on every bill and top-up.
- Annual Fee: The annual fee is Rs. 500 Join Free & Rs.500 Amazon Voucher for Selected users, but the cashback rewards easily outweigh the cost.
- Benefits: This card rewards your loyalty with a welcome gift of Rs.500 Amazon Voucher, which can be redeemed for various benefits. Additionally, you’ll enjoy complimentary access to Airtel TV and Wynk Music for endless entertainment, and a fuel surcharge waiver for savings on fuel expenses.
- Lounge benefits: 4 Visits a year
3. Axis ACE Credit Card
- Rewards: This card packs a punch with a whopping 5% cashback on bill payments made through Google Pay, including DTH, mobile recharge, electricity, water, and gas bills. Additionally, you’ll earn 4% cashback on Swiggy, Zomato, and Ola rides, making it ideal for the urban foodie and frequent commuter. On top of that, you get 2% cashback on all other eligible spends, maximizing your reward potential.
- Annual Fee: While the annual fee is Rs. 499, it’s waived if you spend over Rs. 10,000 within 45 days of card issuance.
- Benefits: This card doesn’t just offer cashback; it also comes with a welcome gift of 5,000 reward points, airport lounge access for a luxurious travel experience, and a fuel surcharge waiver to save you money at the pump.
- Lounge Access: 4 times a year
4. Tata Neu HDFC Credit Card
Tata Neu HDFC Credit card is a co-branded credit card with the Tata Neu app that offers Upo 7% of cashback on recharge & bill payments, The cashback is credited as neu points which are 1 neu coin = 1 Rs. and can be redeemed on Tata Neu app / Croma store or Croma online.
Tata Neu Plus: 2% cashback on recharge/bill payments
Tata Neu Infinity: 5 % Cashback
This is another Lifetime free credit card for a limited period.
- Annual Fee: Rs.499/1499 or Free For Selected Users.
- Benefits: It’s a UPI Rupay card so You get upto 1.5% cashback on every transaction done through UPI.
- Lounge Access: 8 times a year
5. SBI Cashback Credit Card
The Cashback SBI Card offers enticing cashback rewards on every transaction, with up to 5% cashback on all online and offline purchases. It comes with additional benefits like a fuel surcharge waiver but does not offer lounge access, and many more. You can use the SBI Referral Code to get a Rs.500 Amazon voucher also
- Annual Fee: Rs. 499/999, waived if you spend over Rs. 2 lakh in a year.
- Benefits: 5% Cashback on online* spending without any merchant restriction. 1% Cashback on offline* spends
- Lounge Access: NA
Conclusion:
With a variety of credit cards offering appealing rewards on bill payments and recharge, the choice ultimately depends on your spending habits and priorities. Consider factors like cashback percentage, annual fee, additional benefits, and eligibility criteria before making your decision.
I hope this detailed breakdown helps you choose the right credit card to turn your bills and recharge into a rewarding experience!
