Utility Bill Payment Credit Cards with Fashion/ Apparel Offers in India 2026

Upto 10% benefit on Tata Neu App, on partner Tata Brands
✔︎ 5% benefit on partner Tata brands on Tata Neu app: You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select Tata brands on Tata Neu app, as a Tata Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

5% special benefit on select Tata brands, outside Tata Neu App 
– You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1.50% basic benefit on all other card purchases : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on all other card purchases

1.50% benefit on UPI spends (on Rupay card version) : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges outside India – 1 time per quarter 

Complimentary visits to airport lounges in India – 2 times per quarter 

1% fuel surcharge waiver, upto ₹500 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50,000 per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

Complimentary insurance benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

Benefits
– Good card choice for those who like to shop at various Tata brands
– Complimentary airport lounge access both in India and abroad
– 1.50% rewards even on UPI spends, on Rupay variant of the card

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

10% discount on Myntra - on a select catalogue
– You get a flat 10% discount on all orders above ₹500 (minimum order amount needs to be ₹500)
– There is no restriction on the number of times you can avail this discount. There is also no restriction on the maximum discount amount per order..
– Discount is applicable on a selected Myntra collection for Axis Neo customers

5% discount (upto ₹150 per month), on utility bill paid through Amazon Pay - mobile recharge || broadband bill payment || DTH recharge
– You can avail this offer 1 time per month
– You get 5% discount on your utility bill (mobile recharge, broadband bills or DTH recharge) paid through Amazon Pay
– This is valid only on bill payment upto ₹3000 per month, since the maximum discount is capped at ₹150 per monthly card statement cycle.

10% discount (upto ₹250) on Blinkit (online groceries) - once per month
– You can avail this offer 1 time per month.
– You get a 10% discount (upto ₹250) on Blinkit orders, on minimum orders of ₹750, once a month.
– Hence you get a 10% discount on orders between ₹750 and ₹2500, once a month. On orders above ₹2500, discount percentage will fall below 10%.

40% discount on Zomato (upto ₹120 per order), on 2 orders every month
– You get a 40% discount (upto ₹120) on Zomato orders, on minimum orders of ₹200, twice every month.
– Hence you get a 40% discount on orders between ₹200 and ₹300, on 2 orders every month. On orders above ₹300, discount percentage will fall below 40%.

10% discount (upto ₹100 per month) on movie tickets - at BookMyShow
– You get 10% discount, on total movie ticket purchases of upto ₹1000 per month (since maximum discount is ₹100 per month).
– On purchases above ₹1000, discount percentage will fall below 10%
– The discount can be availed any number of times, but the maximum discount is capped at ₹100 per month.

Dining benefits through EazyDiner (Dining Delight program), upto ₹500 per month
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide. Minimum order amount required is ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333, on 2 orders each month. On orders above ₹3333, your discount percentage will fall below 15%.

0.10% benefit on all cards spends
– You earn 0.5 EDGE Reward point worth 10 paise, on every ₹100 you spend on all card purchases.

Benefits
– Attractive benefits at select partners – Myntra, Zomato, Blinkit, Amazon Pay (for bill payments), BookMyShow, EazyDiner.
– Low annual fee of ₹250. Lifetimefree card offers from time to time, and also on select channels.

Drawbacks
– You may need to look at other credit cards to get high rewards on other major spending needs like travel, fuel purchases etc.

5% benefit at Aditya Birla Fashion (online and retail stores) - Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry. And also Vodafone Idea (Vi)
– 20 reward points worth ₹5, on every 100 you spend at these stores
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform. Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.

2.50% benefit on dining & entertainment spends || hotel spends
– 10 reward point worth ₹2.50, on every 100 you spend on these categories
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform

0.25% benefit on all other card spends
– 1 reward point worth ₹0.25, on every 100 you spend on all other card transaction
– 1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform
– Exceptions : No reward points are given on fuel spends, utilities, and mobile wallet upload

Additional reward, upto 0.50% (milestone benefit)
– 3000 reward points worth ₹750, at ₹1.50 lakh annual card spend (0.50% benefit)
– Additional 3000 reward points worth ₹750, at ₹3 lakh annual card spend. Hence you could earn 6000 reward points worth ₹1500, at ₹3 lakh annual card spend (0.50% benefit)

Complimentary airport lounge access in India – 4 per year (maximum 1 per quarter)

Fuel surcharge waiver upto ₹100 per month
– 1% fuel surcharge waiver, on fuel transactions upto ₹3000 only, and
– Only on fuel spends upto ₹10000 per month, since the maximum waiver is capped at ₹100 per month.

Benefits
– Good card for frequent shoppers at Aditya Birla Stores

Drawbacks to consider
– Redemption options can be restrictive. On many redemption options, you would get a value lower than 25 paise for each reward point.

5% cashback on various spends at Paytm – Prepaid recharges || Utility bill payments || Movie tickets || Mini App
– You earn 5 cashpoints worth ₹5, on every ₹100 you spend on these Paytm transactions – only on spends upto ₹30000 per month (since maximum cashback at this special rate is restricted to ₹1500 per month)
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

3% cashback on select partners – Swiggy || AJIO || Big Basket || Uber
– You earn 3 cashpoints worth ₹3, on every ₹100 you spend at these select partners – only on spends upto ₹16,666 per month (since maximum cashback at this special rate is restricted to ₹500 per month).
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

1% cashback on all other spends
– You earn 1 cashpoints worth ₹1, on every ₹100 you spend on all other transactions – only on spends upto ₹1,00,000 per month (since maximum cashback is restricted to ₹1,000 per month)
– Exceptions – Cashback is not given on wallet loads, fuel spends, EMI spends, rental spends and government spends.
– 1 cashpoint = ₹1. Cashpoints can be redeemed as cashback against your card statement.

Milestone benefit – additional benefit upto 1%, on quarterly card spend of ₹50,000
– You earn ₹500 upon spending ₹50,000 or more on your card each quarter (only for non-EMI, non-wallet and non-rental card spends).

Complimentary domestic airport lounge access – 2 per quarter

Fuel surcharge waiver at all fuel stations, upto ₹500 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50000 per month, since the maximum waiver is limited to ₹500 per month

Benefits
– Good card for Paytm users, you get good cashback on various Paytm spends
– You also get higher cashback on select partners
– Complimentary domestic airport lounge access – 2 per quarter

Drawbacks to consider
– Not a good card for other major spending needs like shopping, fuel etc.

Upto 7% benefit on Tata Neu App, on partner Tata Brands
✔︎ 2% benefit on partner Tata brands on Tata Neu app: You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select partner Tata brands on Tata Neu app, as a Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

2% special benefit on select Tata brands, outside Tata Neu App
– You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1% basic benefit on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% benefit on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges in India – 1 time per quarter

1% fuel surcharge waiver, upto ₹250 per month
You get a 1% fuel surcharge waiver , at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at  ₹250 per monthly card statement cycle)

Benefits
– Good card choice for those who like to shop at various Tata brands.
– Complimentary airport lounge access in India
– UPI enabled on Rupay version of card, along with 1% reward on UPI spends

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards