Best utility bill payment cards

25% cashback on Airtel bills – via Airtel Thanks App
– You earn 25% cashback on Mobile, Satellite TV (DTH), Internet & wifi  (Broadband) bills from Bharti Airtel – only on payments upto ₹1,200 per month (since maximum cashback amount is limited to ₹300 per month).
– If you have more than ₹1,200 of payments in a month – your percentage cashback will be lower than 25% and will depend on the total bill amount (since maximum cashback is fixed at ₹300 per month).

10% cashback on water, electricity and gas bills – via Airtel Thanks App
– You earn 10% cashback on your water, electricity and gas bills , only on payments upto ₹3,000 per month (since maximum cashback amount is ₹300 per month).
– If you have more than ₹3,000 of such payments in a month – your percentage cashback will be lower than 10% and will depend on the total bill amount (since maximum cashback is fixed at ₹300 per month).

10% cashback on grocery purchases and food orders – through Swiggy, Zomato, and BigBasket
– You earn 10% cashback on Swiggy, Zomato, and BigBasket purchases – only on combined purchases of upto ₹5,000 per month across these 3 merchants (since maximum cashback is ₹500 per month)
– If you have more than ₹5,000 in combined purchases per month – your percentage cashback will be lower than 10% and will depend on the total amount of your purchases (since maximum cashback is fixed at ₹500 per month)

1% cashback on all other spends

1 free visit every quarter – to airport lounges in India : For list of lounges please click here – Axis Airtel Lounges List

Dining benefits
– 15% discount at partner restaurants in India, on dining spends between ₹2500 to ₹3333 (since maximum cashback is limited to ₹500 per month and minimum order size is ₹2500 to avail this offer).
– If you have more than ₹3,333 dining spends per month – your percentage cashback will be lower than 15% and will depend on the total amount of your dining spends (since maximum cashback is fixed at ₹500 per month)

5% special cashback on below Paytm spends : You earn ₹5 cashback, on every ₹100 you spend on Paytm transactions listed below (no limit on cashback)
– Travel (flights, train & bus) tickets on Paytm
– Shopping on Paytm Mall
– Movie tickets on Paytm

2% special cashback on all other Paytm spends : You earn ₹2 cashback, on every ₹100 you spend on all other Paytm transaction (no limit on cashback)

1% basic cashback benefit on all other spends (non-Paytm spends) : You earn ₹1 cashback, on every ₹100 you spend on all other transactions (no limit on cashback) . No cashback is given on wallet loads and fuel purchases.

Milestone Benefits – additional benefit of upto 0.50%-0.66% on achieving yearly spend targets :
– You earn ₹2000 (in gift vouchers) , on achieving card spends of ₹4 lakhs in a year
– You earn ₹4000 (in gift vouchers) , on achieving card spends of ₹6 lakhs in a year
(You can choose between gift vouchers of Hush Puppies/Bata OR Pantaloons)

1 free visit every calendar quarter – to airport lounges in India

Free Priority Pass membership worth US $99, for international airport lounges : You get free Priority Pass membership for the first 2 years. Priority Pass membership gets you free international lounge access around the world. While the Priority Pass membership is free, you need to pay for each visit to the lounge (US $27 per visit). For all details, including terms and conditions, please click here – Paytm SBI Select Airport Lounges Details & T&C

Complimentary cyber fraud insurance : You get an extra layer of protection against cyber fraud – through a complimentary cyber fraud insurance cover of ₹2,00,000.

1% fuel surcharge waiver : 1% fuel surcharge waiver at all fuel stations –
– Only on fuel transactions between ₹400 and ₹5000, AND
– Only on monthly fuel spends upto ₹25000 per month, since the maximum waiver is ₹250 per monthly card statement cycle

5% cashback on paying utility bills, DTH and mobile recharge – only on Google Pay app : You earn ₹5 on every ₹100 you spend on :
– utility payments (electricity, water, gas, LPG and broadband),
– DTH and
– mobile recharge
(only through the Google Pay app)
There is no cap on the spending amount.

4% cashback on Swiggy, Zomato and Ola : You earn ₹4 on every ₹100 you spend on –
– Food ordering (Swiggy and Zomato)
– Ridesharing (Ola)
There is no cap on the spending amount.

2% cashback on all other card spends : You earn ₹2 on every ₹100 you spend on all other purchases.

Complimentary airport lounge access in India –  upto 4 times per year

1% fuel surcharge waiver : Valid at all fuel stations –
– only on fuel transactions between ₹400 and ₹4,000 AND
– only on fuel purchases upto ₹50,000 per month

5% cashback on Freecharge spends : You earn 5% cashback on all Freecharge spends.

2% cashback on ‘local commute’ spends : You earn 2% cashback on local commute expenses.

1% cashback on all other card spends : You earn 1% cashback on all other spends.

Dining benefits : You get a 15% discount up to ₹500 , at over 4,000 restaurants nationwide. Minimum order amount of ₹2,500. Hence you get a 15% discount on orders between ₹2,500 and ₹3,333. This offer can be redeemed once every month.