1. Airtel Axis Bank Credit Card

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 500 (waived off on annual spends of Rs. 2 Lakh or more) + Taxes

Key Features & Benefits:

• 25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments through the Airtel Thanks app
• 10% cashback on utility bill payments through the Airtel Thanks app
• 10% cashback on your transactions at Swiggy, Zomato and BigBasket
• 1% cashback on all other spends
• Amazon e-voucher worth Rs. 500 on making the first spend within 30 days of card issuance
• 4 complimentary domestic lounge visits every year, 1 per quarter on spending Rs. 50,000 in the previous 3 months
• 1% fuel surcharge waiver on your transaction across all petrol pumps in India

Airtel Axis Card is best suited for Airtel users as they can earn 25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments along with 10% cashback on utility bill payments made via Airtel Thanks app. The bank has put capping of Rs. 250 each on the above two categories. This means you can avail benefits on maximum spends of Rs. 1,000 under the 25% cashback category and Rs. 2,500 under the 10% cashback category. You can also get 10% cashback up to Rs. 500 on Swiggy, Zomato and BigBasket, covering two other everyday categories- dining and groceries. Despite the capping on cashback earning, the card can be a good addition to your wallet if you are an Airtel customer.

2. Axis ACE Credit Card

Joining Fee: Rs. 499 + Taxes
Annual Fee: Rs. 499 (waived off on annual spends of Rs. 2 Lakh or more) + Taxes

Key Features & Benefits:

• 5% cashback on bill payments, DTH and mobile recharges via Google Pay
• 4% cashback on Swiggy, Zomato and Ola
• 1.5% cashback on all other spends
• 4 complimentary domestic lounge visits in a year (on spending Rs. 50,000 in the previous 3 months from the month of access)
• 1% fuel surcharge waiver (max. Rs. 500 in a month) across all fuel stations on spends between Rs. 400 to Rs. 4,000

Providing 5% cashback on bill payment, DTH and mobile recharges via Google Pay, Axis Ace is a good option if you are looking to save on your utility bill payments. The card also gives 4% cashback on popular dining platforms like Swiggy and Zomato, and 1.5% unlimited cashback on all other spends. However, you can earn maximum cashback of Rs. 500 on the top two bonus categories (5% and 4%) combined. So, if you make no spends under the 4% cashback category, you will be able to get benefits on utility bills of up to Rs. 10,000 in a month, which is a decent value-back for an entry-level card.

Explore: Best Cashback Credit Cards

3. HDFC Regalia Gold Credit Card

Joining Fee: Rs. 2,500 + Taxes
Annual Fee: Rs. 2,500 (waived off on annual spends of Rs. 4 Lakh or more) + Taxes

Key Features & Benefits:

• 4 reward points per Rs. 150 spent across all categories including insurance, utilities and education
• 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
• 12 complimentary domestic airport lounge visits
• 6 complimentary international lounge visits with Priority Pass for primary and add-on member*
• Myntra, Marriott, M&S or Reliance Digital voucher worth Rs. 1,500 on quarterly spends of Rs. 1.5 Lakh
• Flight vouchers worth Rs. 10,000 on annual spends of Rs. 7.5 Lakh

*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.

HDFC Regalia Gold Credit Card is an upgraded version of HDFC Regalia Credit Card. The card majorly offers benefits on shopping and travel categories by offering decent reward points. However, along with other categories, you can earn base reward points (4 per Rs. 150) on your utility bill payments and later redeem them across multiple options as per your convenience. While there is no maximum capping on rewards for utility bill payments, you can earn a maximum of 50,000 reward points in a month, combining all categories. Considering the card’s annual fee and overall benefits, this is a good option if you put most of your expenses on your credit card and want to earn significant reward points across multiple categories.

4. Tata Neu Infinity SBI Card

Joining Fee: Rs. 1,499 + Taxes
Annual Fee: Rs. 1,499 + Taxes

• 5% value-back as NeuCoins on spends at Tata Neu and its partner brands including Air India, Westside, BigBasket, Titan and more
• Extra 5% value-back as NeuCoins on select category spends at Tata Neu app/website
• 1.5% value-back as NeuCoins on other transactions
• 1.5% value-back as NeuCoins on UPI transactions (valid only on Rupay variant)
• Low forex markup fee of 1.99%
• 8 complimentary domestic lounge visits yearly 
• Free Priority Pass Membership along with 4 complimentary international lounge visits every year 

Tata Neu Infinity SBI Card offers rewards on different spends, including purchases on Tata Neu and partner brands. It also offers additional NeuCoins on select categories and UPI transactions on the RuPay variant. Other features include a 1.99% forex markup fee and lounge access. Cardholders get eight complimentary domestic lounge visits each year, along with a free Priority Pass membership and four complimentary international lounge visits annually.

5. AU Altura Credit Card

Joining Fee: Rs. 199 + Taxes
Annual Fee: Rs. 199 + Taxes

• 2% cashback on groceries, departmental stores, and utility bill payments
• 1% cashback on other retail spends
• 8 complimentary railway lounge visits every year
• Additional cashback of Rs. 50 on a minimum retail spend of Rs. 10,000 monthly
• Joining fee will be waived for a minimum retail spend of Rs. 10,000 within 90 days of card issuance
• Annual fee will be waived for a minimum retail spend of Rs. 40,000 in the previous year
• 1% fuel surcharge waiver, capped at Rs. 100 on minimum transaction between Rs. 400 to Rs. 5,000 on all fuel stations

AU Altura Credit Card offers cashback on groceries, departmental stores, utility bill payments, and other retail spends. It also offers eight complimentary railway lounge visits every year. The joining and annual fees can be waived based on the required spending criteria. Cardholders can also get an additional Rs. 50 cashback on monthly retail spends of Rs. 10,000 or more, along with a 1% fuel surcharge waiver on eligible transactions.

Explore: Best Premium Credit Cards