Best HDFC Utility Bill Payment Credit Cards in India 2025

Up to 10% Reward on Tata Brands via Tata Neu App

1. 5% Reward on Partner Tata Brands via the Tata Neu App (5 NeuCoins worth ₹5, per ₹100 spent)

2. Additional 5% Reward on Select Tata Brands, as Tata NeuPass Member (5 NeuCoins worth ₹5, per ₹100 spent)

• NeuPass members earn an extra 5 NeuCoins per ₹100, on select Tata brands via the Tata Neu App. 
• Requires downloading the Tata Neu App and registering for NeuPass. 

5% Reward on Bill Payments via Tata Neu App (5 NeuCoins worth ₹5, per ₹100) 

1.50% Reward on Other Card Purchases (1.5 NeuCoins worth ₹1.50, per ₹100) 

1.50% Reward on UPI Spends (RuPay Card)

• 1.5 NeuCoins worth ₹1.50, per ₹100 
• Capped at 500 NeuCoins per month

Value of Reward Points & Redemption

• Reward points earned as NeuCoins
• NeuCoins can be redeemed offline and online at partner Tata brands
• Conversion Rate: 1 NeuCoin = ₹1

Excluded Transactions (No Rewards)

• Fuel purchases & rental transactions
• Government-related payments & wallet loads
• Gift card, prepaid card & voucher purchases
• Education payments through third-party apps 
• Online gaming & betting transactions
• Cash advances & cash withdrawals
• Credit card bill payments, card fees & charges

Participating Tata brands include: 

• Shopping: BigBasket (groceries), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear, jewelry). 
• Travel: Air India, Air India Express (flights), Taj, Ginger, Vivanta, Seleqtions (hotels). 
• Others: Tata Play (entertainment), Cult Fit (fitness), Tata 1mg (healthcare), QMin (food delivery).

Airport Lounge Access

• International: 1 complimentary visit per quarter. 
• Domestic: 2 complimentary visits per quarter. 

From June 10, 2025: Domestic lounge access requires ₹50,000 spend per calendar quarter.

Fuel Surcharge Waiver

• 1% waiver on fuel transactions between ₹400–₹5,000, up to ₹500 per month.

Complimentary Insurance Benefits

• Accidental air death cover: ₹1 crore. 
• Emergency overseas hospitalization: Up to ₹15 lakh. 
• Lost card liability protection: Up to ₹9 lakh.

HDFC Smartbuy Platform Rewards (Up to 6% Cashback)

• 6% Cashback on Hotels
• 1.5% Cashback on Other Travel: Flight booking, IRCTC train tickets, RedBus bus tickets. 
• 1.5% Cashback on Gift Vouchers 
• Select Partners: Flipkart (1.5%), Apple (1.5%), IGP.com (6%). 
• Maximum cashback: ₹1,000 per month, credited as NeuCoins (1 NeuCoin = ₹1).
• NeuCoin Redemption: Redeem at Tata brands (online and offline stores/hotels).

5.80% reward on IndianOil fuel

• 4.80% reward: 5 fuel points worth ₹4.80, per ₹100 spent. Monthly limit: 150 fuel points, reached at ₹3,000 monthly (250 fuel points/ ₹5,000 monthly spend for first 6 months as a promotion)
• 1% fuel surcharge waiver at all fuel stations, valid only on fuel transactions over ₹400. Monthly limit: ₹250, reached at ₹25,000 spend

4.80% reward on groceries

• 5 fuel points worth ₹4.80, per ₹100 spent
• Monthly limit: 100 fuel points, reached at ₹2000 monthly spend

4.80% reward on utility bills

• 5 fuel points worth ₹4.80, per ₹100 spent
• Monthly limit: 100 fuel points, reached at ₹2000 monthly spend

0.64% reward on other card purchases

• 0.66 fuel points worth ₹0.64, per ₹100 spent
• Important exclusions: No reward points on rent, government payments

Value of reward points (fuel points)

• Value: 1 fuel point = ₹0.96
• Redemption: Exclusively at IndianOil fuel outlets

3% cashback on various spends at Paytm : Prepaid recharges || Utility bill payments || Movie tickets || Mini App – on spends up to ₹16,666 per month

• 3 cashpoints worth ₹3, on every ₹100 you spend in these categories 
• This is valid on spends up to ₹16,666 per month, since maximum cashback at this special rate is restricted to ₹500 per month
• Reward points redemption: 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

2% cashback on all other select Paytm spends – on spends up to ₹25000 per month

• 2 cashpoints worth ₹2, on every ₹100 you spend in these categories – on spends upto ₹25,000 per month (since maximum cashback at this special rate is restricted to ₹500 per month)
• 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

1% cashback on all other spends – on spends up to ₹1 lakh per month

• 1 cashpoint worth ₹1, on every ₹100 you spend on all other card transactions – on card spends upto ₹1 lakh per month (since maximum cashback is restricted to ₹1,000 per month)
• Important exclusions: Cashback is not given on wallet loads, fuel spends, EMI spends, online skill based gaming, rental spends and government spends.
• 1 cashpoint = ₹1, and can be redeemed as cashback against your card statement.

Up to 1% additional benefit through milestone program: Get ₹100 cashback on monthly card spend of ₹10,000 (only for non-EMI, non-wallet and non-rental card spends).

Zero cost liability on lost credit card : If you lose your card & report it immediately to the 24-hour call centre, you have zero liability on any fraudulent transactions made on your card.

Fuel surcharge waiver at all fuel stations up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

5% cashback on Paytm (prepaid recharges, utilities, movie tickets, mini app)

• 5 cashpoints worth ₹5, per ₹100 spent 
• Monthly cashback limit: ₹1500, reached at ₹30000 monthly spend

3% cashback on Swiggy, Ajio, Big Basket, Uber

• 3 cashpoints worth ₹3, per ₹100 spent
• Monthly cashback limit: ₹500, reached at ₹16,666 monthly spend

1% cashback on other spends

• 1 cashpoints worth ₹1, per ₹100 spent
• Monthly cashback limit: ₹2000, reached at ₹2 lakh monthly spend

Important exclusions & restrictions 

• No cashback on wallet loads, fuel, EMI, rent, online skill based gaming transactions, government spending
• Maximum 1000 reward points on grocery purchases
• Maximum 2000 reward points on insurance spends

Upto 1% reward on quarterly spending milestone (₹50,000)

• ₹500 cashback, on ₹50,000 quarterly spend (1% reward)
• Eligible spends: Non-EMI, non-wallet and non-rental card spends

Domestic airport lounge access: 2 visits per quarter

Fuel surcharge waiver at all fuel stations

• On fuel transactions between ₹400 and ₹5000
• Monthly waiver limit: ₹500

Up to 7% reward on Tata Neu App, on partner Tata Brands

• 2% reward on partner Tata brands on Tata Neu app || 2% reward on bill payments through Tata Neu : You earn 2 NeuCoins worth ₹2, on every ₹100 you spend. This is valid only on non-EMI spends on Tata Neu.
• Additional 5% reward on select Tata brands on Tata Neu app, as a Tata Neu Pass member : As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

Some of the Tata brands on Tata Neu-

• Shopping : BigBasket (grocery), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear & jewellery)
• Flights : Air India, Air India Express
• Hotels : Taj, Ginger, Vivanta, Seleqtions, Ama
  
• Others : Tata Play (entertainment), Cult Fit (fitness), Tata 1 mg (healthcare), Q Min (food delivery)

1% reward on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% reward on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Up to 4% cashback on travel, shopping and more – through HDFC Smartbuy platform (maximum cashback of ₹1000 per month)

• 4% cashback on hotel spends : hotel bookings via MakeMyTrip || hotel bookings via Cleartrip
• 1% cashback on other travel spends : flight bookings (via Cleartrip, EaseMyTrip & Goibibo) || IRCTC train tickets || bus tickets, through RedBus
• 1% cashback on a variety of gift vouchers : shopping || travel || dining || entertainment and more
• Upto 4% cashback at select partners : Flipkart – 1% cashback || Apple - 1% cashback || IGP.com, ZoomCar, Pharmeasy, Jockey, Nykaa, Myntra, MMT Holiday Packages – 4% cashback
• Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. You can redeem NeuCoins at various Tata brands, both online and at stores/ hotels (offline)

Complimentary visits to airport lounges in India – 1 time per quarter

• Starting June 10, 2025, cardholders will only be able to access domestic airport lounges if they spend ₹50,000 or more in a calendar quarter

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000

10% cashback on PhonePe spends (utility bills, recharges, travel, movies) 

• 10 reward points worth ₹10, for every ₹100 spent in these categories
• Monthly cashback limit: 1000 reward points, reached at ₹10,000 spending

5% cashback on select online brands (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber)

• 5 reward points worth ₹5, for every ₹100 spent in these categories
• Monthly cashback limit: 500 reward points, reached at ₹10,000 spending

1% cashback on UPI Scan & Pay transactions

• 1 reward points worth ₹1, for every ₹100 spent
• Monthly cashback limit: 500 reward points, reached at ₹50,000 spending

Redemption value of reward points

• Reward points can be converted to cashback (statement credit)
• 1 reward point = ₹1

Important exclusions (no reward points)

• EMI spends (Easy EMI, Smart EMI, Dial an EMI)
• Fuel transactions, Wallet load, Gift Card
• Cash advances, Credit Card bill payment 
• Credit cards fees or any charges, Government transactions 
• Rental payments, Educations fees transactions
• Insurance and Investment, Jewellery purchase
  

Domestic airport lounge access - 2 visits per quarter (spend requirement of ₹75,000 per quarter)

1% fuel surcharge waiver on fuel transactions between ₹400 & ₹5000, and up to ₹250 per month