Best credit cards for bills

Heads-up: Adani Reward Points redeem only through the Adani One portal or app. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: This card is secured against a fixed deposit of Rs. 5,000 or more. The deposit is locked for as long as the card is held.

Heads-up: No airport lounge access. The lounge benefit is eight railway lounge visits a year.

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Heads-up: New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability…

Heads-up: Rs. 5,999 plus GST — Rs. 7,079 — with no spend-based fee waiver, only a points benefit at Rs. 8 lakh or Rs. 15 lakh of annual spending.

Heads-up: Adani Reward Points redeem only through the Adani One portal or app. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: BluChips redeem only against IndiGo bookings, and IndiGo publishes no fixed rupee value — about Rs. 0.40 to Rs. 0.60 a chip.

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Heads-up: 3.49% foreign currency markup, which eats into the card's own 12-point international rate.

Heads-up: This card is secured against a fixed deposit. The deposit is locked for as long as the card is held.

Heads-up: A Reward Point is worth about Rs. 0.25, so the headline multipliers convert at a quarter of their face value.

Heads-up: All cashback stops at ₹1,500 a statement cycle, with online capped at ₹1,000 inside that. About ₹24,000 of online spend a month reaches the…

Heads-up: NeuCoins are spendable on Tata Neu and across Tata brands. They cannot be taken as cashback or statement credit.

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued with effect from 1 September 2023.

Heads-up: Every reward bucket (PhonePe spends, select online brands, UPI Scan & Pay) is capped at 500 Reward Points per month EACH - heavy spenders…

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: This variant is secured against a fixed deposit of Rs. 50,000 or more. The deposit is locked for as long as the card is held.

Heads-up: Access to the domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued from 1 September 2023.

Heads-up: Zero Vantage Points on ALL international spends, effective 10 July 2026 — a major devaluation from the earlier terms, which paid 8 points…

Heads-up: A fixed deposit of at least Rs. 20,000 is required and is held under a lien until the card is returned.

Heads-up: Every tier is capped monthly: 1,000 CashPoints on EMI, 500 on the 2% tier and 500 on the 1% base rate. A large month earns no more than…

Heads-up: Fuel, rent, wallet loads, government payments, cash advances and EMI conversions earn no reward points — a longer list than several issuers…

Heads-up: The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate.

Heads-up: 2 Reward Points per Rs. 150 is a modest base rate, and the value depends entirely on which airline or hotel programme the points are…

Heads-up: A Reward Point redeems at about Rs. 0.07, so 8 points per Rs. 150 is an effective return of roughly 0.4%. The headline rate is not the…

Heads-up: Fuel, rent, wallet loads, government payments, cash advances and EMI conversions earn no reward points, which also narrows which categories…

Heads-up: The Rs. 3,000 annual fee is waived only on annual spends of Rs. 3,00,000 or more.

Heads-up: Travel Credits are worth what the transfer partner gives them. SBI Card publishes no fixed rupee rate.