Thread by @CardsavvyIndia

🔥 TOP 5 CREDIT CARDS for ALL Utility Bills in 2025!

✅ Mobile Recharge
✅ WiFi/Broadband Bills
✅ Gas Cylinder Booking
✅ Electricity Bills
✅ DTH Recharge
Stop losing ₹3000+ annually! The 3rd one is MIND-BLOWING 🤯
#CreditScore #CIBIL #personalfinance

🚫 MYTH: Most Indians pay 80K+ in utilities yearly and earn ZERO rewards!

✅ REALITY: Smart card choice = ₹4000+ annual savings on SAME expenses!

Mobile+WiFi+Gas+Electricity+DTH = Your new profit center 💰

#1 AIRTEL AXIS BANK CREDIT CARD 🥇

🔥 25% cashback on Airtel mobile/DTH/WiFi via Airtel Thanks App
🔥 10% cashback on ALL utility bills via Airtel Thanks
💳 Fee: ₹500 + GST
📊 Cap: ₹250/month on utilities
🎯 BONUS: 10% on Swiggy/Zomato/Bigbasket too!

#2 AXIS ACE CREDIT CARD ⚡

🚫 MYTH: Budget cards don't give good utility rewards
✅ REALITY: ACE gives 5% cashback on ALL utilities via Google Pay!
💳 Fee: ₹499 + GST
📊 Cap: ₹500/statement cycle
💡 Covers: Mobile, WiFi, Gas, Electricity, DTH

#3 AMAZON PAY ICICI CREDIT CARD 💎

This is the MIND-BLOWING one!

🚫 MYTH: Free cards have limitations
✅ REALITY: 2% unlimited cashback on ALL utility payments!
💳 Fee: Lifetime FREE!
📊 Cap: NO CAPPING whatsoever!
🎯 Works on Amazon Pay for gas cylinders too!

#4 TATA NEU INFINITY HDFC CARD 🎯

🔥 5% back as NeuCoins on bill payments via Tata Neu
💰 Fee: ₹1,499 + GST
📊 Cap: 2,000 NeuCoins/month
💡 1 NeuCoin = ₹1 (direct cashback)
🎯 Works for DTH recharge too!

#5 HDFC MILLENNIA CREDIT CARD 💳

🚫 SECRET: SmartPay auto-bill feature gives rewards
✅ HACK: 5% cashback on utilities via HDFC SmartPay!
💳 Fee: ₹1,000 + GST
📊 Cap: 1,000 points/month
💡 Covers: Mobile, WiFi, Gas, Electricity, DTH

🚨 IMPORTANT WARNINGS:

⚠️ Some providers charge convenience fees for credit card payments
⚠️ Check if rewards > fees before using
⚠️ HDFC cards: 1% fee on utility >₹50K/month
⚠️ Always use designated platforms for bonus rates
⚠️ Set autopay to avoid missing due dates

💡 PRO TIPS TO MAXIMIZE ALL UTILITIES:

✅ Use Airtel Axis for Airtel services (25% vs 10%)
✅ Google Pay route for non-Airtel users (ACE card)
✅ Amazon Pay for gas cylinder bookings
✅ Set calendar reminders for monthly caps
✅ Track all 5 utility categories separately

Save this utility guide! 📌

Found this complete utility breakdown helpful? 🔄

RT to help others save thousands on ALL their utility bills!

Follow @CardsavvyIndia for more comprehensive credit card strategies that cover every expense category

Which utilities are YOU still paying without rewards? 👇

#CreditScore #PersonalFinance #CIBIL

@threadreaderapp unroll