Less known CC for utility MCC 4900

[hs23new]

What are some best less known CC for utility mcc 4900 with min 1% reward rate AND not from HDFC, Axis, SBI, Amex. Since Amex is not accepted and I already have planned 10L annual spend on HDFC DCB, Axis Atlas and SBI Cashback. I want to use other bank cards for utility.

Updated list:

1.5% or above with no monthly capping
Au Ixigo - 2.5% as IXIGO money (upto 10k RP = 5K Rs) upto 200k monthly spends
IDFC Vistara - 2.5% - 3% upto 4.5L annual spends (first year only / redemption is difficult)
Kotak White - 2.25% on 12L spends
RBL World Safari - 2.16% on 7.5L spends
Au LIT (with 10X) - 2%
Standard Chartered Ultimate (5900) - 2% (Decathlon is good redemption option)
BOB Eterna FY - 1.875% on 5L spends.
HSBC Cashback - 1.5%
-----

<1.5% or monthly caps
Standard Chartered Smart - 2% upto 50k monthly spends
DBS Spark 20 (1770) - 4.95% on 35k monthly spends
Yes Marquee - 1.25%
Kotak Myntra - 1.25%
Bob Snapdeal - 1%
Au Zenith Plus (5900 / fee waiver on 8L) 1%
ICICI Amazon Apay LTF - 1%
Federal bank OneCard LTF - 1%
IndusInd Pinnacle LTF - 0.7%
''''''
_
SBI ELITE Business - 4% (corporates only)
Citi Prestige - 4% (new application not accepted)

Anything else?

 

[jack333]

Thanks for the update. Removed CSB Jupiter Rupay from list.

Cashback limits:
Max. cashback of ₹1,000 per billing cycle, i.e. 5000 Jewels. We will run exciting offers to increase billing cycle limits for customers who meet monthly spend milestone.

Exclusions:

• Excluded categories for cashback rewards: Wallet, EMI, fuel or electricity, telephone, mobile, and other utility bills.
• Rental payments are not allowed on Rupay Credit Card or UPI-CC.

Are you the same guy with @hs23 account?

 

[Tejo]

Are you the same guy with @hs23 account?

💯 ... .... ..

 

[herefordeals]

Au Zenith then. 4-5% reward rate on dining and groceries. No capping.

AU zenith provide 10 Points per 100 spent on grocery. Point value 0.25 so effectively 2.5%. Correct me if I am wrong.

 

[hs23new]

Kotak White Signature card - 2.25% return on Apay (not confirmed).

Site Maintenance

 

[Tejo]

Kotak White Signature card - 2.25% return on Apay (not confirmed).

Site Maintenance

2% on 6lakhs spends per annum.

2.1% on 9 lakh spends

2.25% on 12 lakhs

Namesake card.

 

[hs23new]

What are some best less known CC for utility mcc 4900 with min 1% reward rate AND not from HDFC, Axis, Yes, Amex. Since Amex is not accepted and I already have planned 10L annual spend on HDFC DCB, Axis Atlas and Yes Reserve, I want to use other bank cards for utility.

Updated list:

1.5% or above
SBI Vistara Prime - 4-5% upto 4.5L annual spends
IDFC Vistara - 2.5% - 3% upto 4.5L annual spends
Kotak White - 2.25% on 12L spends
Au Lit LTF (1416 fee for 10X) 2%
Standard Chartered Ultimate (5900) - 2% (no Apay available)
Standard Chartered Smart - 2% upto 50k spends
DBS Spark 20 (1770) - 4.95% on 35k monthly spends
HSBC Cashback - 1.5%
-----
<1.5%
Kotak Myntra - 1.25%
Bob Snapdeal - 1%
Au Zenith Plus (5900 / fee waiver on 8L) 1%
ICICI Amazon Apay LTF - 1%
Federal bank OneCard LTF - 1%
IndusInd Pinnacle LTF - 0.7%
''''''
_
SBI ELITE Business - 4% (corporates only)
Citi Prestige - 4% (new application not accepted)

Anything else?

2.25% is still good. Makes it #3 in the list but its actually #1 as the return is in form of Apay and not CV points / Vistara tickets which are getting very hard to book in short notice.

 

[hs23new]

RBL World Safari is giving 2.66% return, which makes it #1. Kotak Reserve is #2.

Edit: no base points on utility - reward rate is 2.16%.

 

[hs23new]

What are some best less known CC for utility mcc 4900 with min 1% reward rate AND not from HDFC, Axis, SBI, Amex. Since Amex is not accepted and I already have planned 10L annual spend on HDFC DCB, Axis Atlas and SBI Cashback. I want to use other bank cards for utility.

Updated list:

1.5% or above with no monthly capping
IDFC Vistara - 2.5% - 3% upto 4.5L annual spends (first year only / redemption is difficult)
Kotak White - 2.25% on 12L spends
RBL World Safari - 2.16% on 7.5L spends
Au Lit LTF (1416 fee for 10X) 2%
Standard Chartered Ultimate (5900) - 2%
HSBC Cashback - 1.5%
-----

<1.5% or monthly caps
Standard Chartered Smart - 2% upto 50k monthly spends
DBS Spark 20 (1770) - 4.95% on 35k monthly spends
Yes Marquee - 1.25%
Kotak Myntra - 1.25%
Bob Snapdeal - 1%
Au Zenith Plus (5900 / fee waiver on 8L) 1%
ICICI Amazon Apay LTF - 1%
Federal bank OneCard LTF - 1%
IndusInd Pinnacle LTF - 0.7%
''''''
_
SBI ELITE Business - 4% (corporates only)
Citi Prestige - 4% (new application not accepted)

Anything else?

@drsel can you suggest any other card for this list.

 

[hs23new]

Au LIT is devalued, one more card gone from the list.

 

[TheGuy]

Au LIT is devalued, one more card gone from the list.

You have made a great list. Good work. I would request 1 thing- strikethrough rather than just eliminating.

 

[gowthamv]

AU zenith provide 10 Points per 100 spent on grocery. Point value 0.25 so effectively 2.5%. Correct me if I am wrong.

AU Zenith Points value is 0.20 right?

 

[hs23new]

New addition to list Au Ixigo - 2%.

You have made a great list. Good work. I would request 1 thing- strikethrough rather than just eliminating.

Thanks for the feedback.

AU Zenith Points value is 0.20 right?

Correct.

 

[hs23new]

BOB Eterna - 1.875% CB on new card on 5L spends. 0.375% base return + 2500 CB on 50K spends + 5000 CB on 5L spends.

This is probably best use case for Eterna card. You can spend on Apay/shopping for 3.75% return if SBI CB is used up.

Eterna can be used as 0 forex card on spends upto 52.9K per month and 1.39% return under 41.66K per month.

 

[MJN]

Snapay.

+ 3

Will I get 1.5% neu coins by using T+3 on snapay?

 

[hs23new]

Will I get 1.5% neu coins by using T+3 on snapay?

Yes, afaik there is no restriction on utility for Neu card.

 

[venkateshr]

BOB Eterna - 1.875% CB on new card on 5L spends. 0.375% base return + 2500 CB on 50K spends + 5000 CB on 5L spends.

This is probably best use case for Eterna card. You can spend on Apay/shopping for 3.75% return if SBI CB is used up.

Eterna can be used as 0 forex card on spends upto 52.9K per month and 1.39% return under 41.66K per month.

I think still gives 3.75% on wallet load on PZ doesn't it? That is if one has a use case for PZ later.

 

[goelkun]

@hs23new is the list in the OP updated? And did you get any of these cards for your use?
Also how does the AU Ixigo 2.5% reward rate work because from what I can understand we get 10 Reward Points for Rs. 200 spend where 1 RP = Rs. 0.25 which eqautes to 1.25% reward rate.

 

[sxchzy]

Rbl world safari doesn't give any base rp na ?

 

[Random123]

Does Bob Snapdeal give accelerated rewards for utility ?