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Entry level card - Best cashback card for Utility bill payment

  • JMaurya
  • Apr 1, 2023
  • 3 min read

Updated: May 18, 2023

This card is nonother than Axis bank Ace credit card launched with a tie-up of google pay in the year 2019. It has some unique features which make this card a must-have card even for card enthusiasts who have a premium card as well.


Features :

  • When you pay utility bills through the google pay app through this card you get unlimited 5% cashback. Bills like electricity, mobile postpaid, mobile prepaid recharge, gas connection, broadband connection, government tax, water bill, etc.

  • You get 4% cashback when you use your credit card for payment on OLA, ZOMATO, and SWIGGY apps.

  • Also, you get 2% cash back for all spending done online & offline through this card.

  • You can also get 5% to 10% extra cashback on top of 2% if you use the garb deal portal from axis bank for shopping or buying gift cards for some known portals like amazon, Flipkart, Myntra, Shopper stops, lifestyle, etc.

  • Fuel surcharge waiver on transactions done from Rs 400 to 4000. The maximum benefit is Rs 500 per statement.

  • Four complimentary airport domestic lounge access per year with this credit card.

  • 15% instant discount if used this card on the easy dinner app.

  • 15% discount if used on hotel tie up with axis delight dining program.

Fee:

  • This card has a joining fee of Rs 499 +GST, which will be reversed if spend Rs 10000 in the first 45 days from the card issuing date.

  • Most of the time you will find this card as the First year joining free for most of the customers.

  • This card has a renewal fee of Rs 499 + GST, which will be waived if your last year spend is more than 2 lakhs. If your spending is less than 2 lakhs by some amount then you can call customer care and get the renewal fee waived.

Things to note down :

There is no cashback for the below spends, So we can move these spends to some other card that has milestone benefits. If you don't have another card then go ahead and use this card as a fee waiver can be achieved easily.

  • Fuel Spends

  • Rental Payments

  • Insurance Premium Payments

  • EMI transactions or purchases converted to EMI

  • Wallet loading transactions

  • Gold/Jewelry Purchases

There are different tricks to pay utility bills through amazon pay or another online site and get more than 5% rewards but getting 5% cashback is only given by this card and also we don't know when these tricks will stop working. So if you are getting the option to get this card then go for it without a second thought.

Cashback earned during a billing cycle will be credited 3 days before the next statement generation date. So the next statement will automatically be deducted with credited cashback and your total due will get reduced.

If you have a Utility bill of more than Rs 11800 in a year then the fee +GST for this card will be easily recovered and you can enjoy other benefits of this card for free.

If you can spend around 2 lakhs in a year with some utility and offline spending then easily you can save around 3 % of cashback plus a fee waiver.


Conclusion: 2% cashback for all spending online and offline is the unique selling point of this card as 2% in the form of cashback is not given by any premium card as well.


Note :

From 15 June 2023

  • Axis Bank has put a cumulative upper limit of Rs 500 in a month on the 5% and 4% categories.

  • Also excluded Education payment from the reward category.

  • Now this card is not best for everyone but for someone whose bill payment is less than 10K per month then he can still go for this card .

  • Also, an unlimited 2% for offline transactions is still the USP of this card.


Thank you for reading this blog. If you are interested in any of the below activities then you can use my referral links. This way you can support this blogging site and encourage me to add more blogs like this.


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