Synopsis: This article highlights best mid-tier credit cards for utility bills and daily spending in India. These cards excel with high cashback rates, usually capped, and low annual fees.
It becomes harder day by day to pay your utility bills. These credit cards will give you different benefits, from discounts, waivers, to cashback and many other benefits. These credit cards have partnered with different brands to ensure their users can get these benefits. These cards have a wide array of benefits that cater to certain utilities, and you can select them based on their benefits.
1. AU Bank Vetta Credit Card
- You need to pay an annual card membership fee of ₹2999 plus applicable taxes. It can be waived if you spend more than ₹40,000 within 90 days of card set up and 2nd year onwards, if you spend more than ₹1,50,000 in the previous year.
- It gives you 4 reward points for every ₹100 spent. You will earn an additional 1000 bonus reward points on your birthday.
- You will get ₹1000 worth vouchers on minimum of ₹2,50,000.
- A complimentary lounge access in airports if you spend a minimum of ₹20,000 in a calendar quarter. From 10th April 2026, you need to spend ₹50,000 to avail this feature. In the railway, you will get 2 complimentary lounges per calendar quarter.
- You will get 1% fuel surcharge waiver for fuel transactions between ₹400 and ₹5,000 across the country. (Maximum of ₹250 per statement cycle)
- You can get curated offers on ITC Hotels, Elivaas, greet services, Visa Meet and much more
To apply for the card, please visit the Official Website
2. Stable Money Suryoday Bank Credit Card
- This card uses FD as collateral to ensure a safe credit line, and you will be able to get a credit card easily. The credit card limit will be 90% of the FD value.
- It charges you an annual fee of ₹150+ GST
- This card is designed for someone who hasn’t used a credit card before.
- You can get up to 10% off on medicines and 15% off on Apollo products through Apollo pharmacy
- ₹400 off on a minimum purchase value of ₹1999
- 50% off on Rapido for new users
- 20% off on renting Zoom cars up to ₹1000
- If you get the Rupay version of the card, you will get additional benefits of Health check-ups, Spa coupon, free gym sessions in cult fit, 8 free domestic lounge access and much more.
To apply for the card, please visit the Official Website
3. Yes Bank Select Credit Card
- Minimum Net salary of ₹50000/ month or Income tax return if ₹7,50,000 and above
- First year membership fee of ₹599 with applicable taxes (it can be waived by spending ₹10000 on retail with one month of card), and the renewal membership fee is ₹599+taxes (waived on total retail spend of ₹1,00,000 within 12 months prior)
- Fuel surcharge of 1% for transactions between ₹400 and ₹5000.
- One Complimentary domestic lounge visit every quarter if you spend more than ₹50000 in the previous quarter
- Free international lounge service if your flight gets delayed by 2 hr each quarter
- Buy one, get one movie ticket offer with District
- You will also get a preferential foreign currency markup at 2.75%
- Discounts across travel, dining, shopping, etc. across cities.
- Buy one, get one offer on Coffee at malls
To apply for the card, please visit the Official Website
4. HDFC Tata Neu Infinity Credit Card
- You need to be Indian between the ages of 21 and 60 with a monthly salary of 100000 if salaried. For self-employed individuals, you need to be between the ages of 21 and 65 with an annual Income Tax Return of more than 12,00,000.
- Joining and Membership fee – 1499+ applicable taxes. The monthly charge is 3.75%/ month. If you spend more than 3,00,000 or more in a year before your Credit Card renewal date
- You will get 5% back as Neu Coins on Non-EMI spends on Tata Neu and its partner brands
- 1.5% back as Neu coins on eligible non-Tata brand spends
- You can earn up to 1.25% back as Neu Coins on eligible UPI spends. You will also get 1499 Neu coins on the Tata Neu App if you make ur 1st transaction in the app within 300 days of card issuance.
- 2 complimentary domestic lounge/calendar quarter, which can be availed if you spend more than ₹50,000 in the calendar quarter, and one complimentary lounge access per calendar quarter outside India
- 1% fuel surcharge waiver on transactions between the range of ₹400 to ₹5000.
To apply for the card, please visit the Official Website
5. Axis Bank ACE Credit Card
- You need to be Indian and should be between the ages of 18 and 70
- Joining fee is ₹499, with annual fees being the same. From the second year, the annual fee is waived off if you spend more than ₹2,00,000. Its interest charge is 3.75%/month
- You will get 5% cashback on all utility bill payments, 4% cashback on Swiggy, Zomato and Ola and 1.5% cashback on all other spends.
- Fuel surcharge waiver of 1% on transactions between 400 and 4000 with a maximum benefit of up to ₹500 per statement.
- You can also get 15% off on 4000+partner restaurants in India.
- 4 complimentary lounge visits every year.
To apply for the card, please visit the Official Website
6. Amazon Pay ICICI Bank Credit Card
- You need to be an Indian citizen with a minimum age of 21. If you are salaried, you need to earn at least ₹20,000 and a minimum of ₹30,000 for self-employed individuals. It is non-expiring
- It does not have a joining or annual fee. Interest charges are 3.75%/month, which is the same for annual ATM withdrawal.
- You will get a lower forex markup at 1.99% on international spends.
- 1% surcharge waiver on all fuel purchases
- You also get unlimited reward points upto 5% on Amazon purchases, with unlimited reward points of 1% on all other spends.
Conclusion
These credit cards are all beneficial, and you need to choose based on your spending habits and the areas you want to spend them on. All these cards have various features that target certain areas, but in the end, it is based on your interest and spending appetite that you can choose the best credit card that is most useful to you.
Written By Sagar V M
