Best Credit Card for Utility Bills 2025 – PhonePe SBI Card Select Black
- Anusha Madda
- 2d
- 5 min read
Updated: 1d
Every household in India must pay its utility bills regularly. Subscribing to DTH, mobile recharge, gas, and electricity is necessary, but if you don't pay for everything, late fees may apply. Credit cards have become a smart and profitable way to pay for these expenses in recent years. PhonePe SBI Card Select Black is the most convenient and lucrative option in 2025. Why?
Discover how this card is best suited for paying utility bills, learn how it works, save money with these cards, read our FAQs, and see how they compare to other credit options.
What are the reasons for using a Credit Card to pay utility bills?
While it may seem like a new payment method for utilities, using fewer cards and other payment methods offers several benefits. The first is:
1. Cashback and Rewards Most premium credit cards offer cashback or reward points for recurring payments, such as utility bills. The net cost is lowered as time goes by.
2. Convenience Automated bill payments make it effortless to pay your bills on schedule, preventing any late fees or service disruptions.
3. Easy Monitoring: Paying all your utility bills from one credit card makes it easy to budget and monitor your spending every month.
4. Other benefits: A lot of credit cards give special offers, multipliers, or discounts by being associated with apps such as PhonePe.
Utility payments made with the appropriate credit card can help save money on recurring expenses.
Introducing PhonePe SBI Card Select Black Best credit card for Utility bills 2025
The PhonePe SBI Card Select Black is specially designed to maximize rewards for digital payments. This includes utility bills, online shopping, travel, dining, and more.
Key Features
10 Reward points on Utility Bills: Pay electricity, water, gas, or mobile bills via PhonePe and earn cashback automatically.
Welcome Benefit: Credit cardholders will get a gift card worth INR 1,500.
Milestone Benefits: Get a travel Yatra gift voucher worth INR 5,000 on spending INR 5 Lakhs in a year.
Other Benefits: 5 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra, Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. Special Cashback Rate: 5%.
Lounge access: free for domestic lounge visits per year.
Complimentary Priority Pass membership for 2 years and access to international lounges through it 6 times a year.
Annual Fee: Annual fee reversal on credit card spends of INR 3 Lakhs or more in a calendar year.
This combination makes the card ideal for Indian households looking to optimize spending on everyday expenses. Click here to know more about this card and why it is the best credit card for utility bills 2025
How the PhonePe SBI Card Select Black Helps You Save on Utility Bills
1. Cashback on Recurring Payments
Up to 5% cashback is available when using the card to pay bills through PhonePe. With a monthly electricity bill of 2,000, you can still receive -100 cashback. What's the deal? When you add that up and start saving money every year on electricity, gas, water, and mobile bills.
2. Reward Points for Other Expenses
Beyond utilities, you also accumulate reward points online for shopping, dining, and travel. Boost your savings by using these points in the form of vouchers, cashback, or gift cards.
3. Exclusive Offers Through PhonePe
Through integration with PhonePe, cardholders can avail of app-specific discounts, promotional offers, and limited-time deals. Added value beyond regular cashback is available with this unique feature.
4. Hassle-Free Online Payments.
Users can use the card to connect their Utility accounts directly in PhonePe, which simplifies bill processing by ensuring speedy and secure payment. It's time to forget the numerous login credentials for various service providers.
5. EMI Options for High Bills
Converting utility payments into EMIs through the PhonePe app and an SBI Card Select Black feature can help users reduce their bills for months, making it less expensive.
Step-by-Step Guide to Pay Utility Bills Using PhonePe SBI Card Select Black
Link Your Card: Apply SBI Card Select Black to your PhonePe account by linking it with your card.
Select Bill Payments: Select the category of utility (Electricity, Water, Gas), Mobile, or DTH.
Choose the Provider: Tap into your desired provider service.
Enter the details of your bill amount and consumer/account number.
Pick your payment method: Select the SBI Card. Opt for Black as the payment mode.
Ensure that you receive the payment: Finish the transaction to gain cashback and reward points.
Comparison with Other Utility-Friendly Credit Cards
Feature | PhonePe SBI Card Select Black | HDFC Millennia Card | ICICI Amazon Pay Credit Card | Axis Bank Insta Easy Credit Card |
Cashback on Utility Bills | Up to 5% | 2% | 2% | 1% |
Reward Points | Yes, on all spends | Yes, select spends | Yes, Amazon & Flipkart only | Limited |
Annual Fee | ₹0 (first year), ₹499 later | ₹0 (first year) | ₹0 | ₹0 |
App Integration | PhonePe | HDFC PayZapp | Amazon | Axis Pay |
With the PhonePe SBI Card Select Black, you can enjoy significant cashback on your utility bills, and it is the perfect choice for everyday use.
How to get Cashback and Rewards
PhonePe to settle your utility bills: Use PhonePe to manage all your utility bills and receive the most significant cashback.
Redeemable Points identify reward points and strategically utilize them to purchase valuable items like gift cards or vouchers.
Pay attention to offers: Consistently check for discounts from SBI or PhonePe.
Consolidate incentives: Utilize both financial institutions and mobile commerce offers.
On-time Payments: Optimize rewards and avoid penalties by using automated payments that are delivered on time.
Real-Life Example
Provided that the bills paid by a household are:
Electricity: ₹2,500.
Water: ₹500.
Gas: ₹1,200.
Mobile recharge: ₹800.
Total monthly bills: ₹5,000.
With a monthly cashback of around 250 and an annual savings of up to 3,000, they can save enough for another utility or a small vacation by using the PhonePe SBI Card Select Black with 5% cashback. The savings can be even greater if you add in reward points from other spending.'
Other perks of PhonePe SBI Card Select Black
Works globally for both online and offline payments.
Improved security: Secure payment methods and contactless technology enhance protection against fraud.
Individuals who perform well in categories receive points as reward multipliers. The most valuable category items are those that earn more points.
Convert high bills into EMIs that are simple to manage. Easy management of expenses.
Customer Support 24/7. All payments, rewards, and card issues are addressed by Customer Support.
Conclusion
The PhonePe SBI Card Select Black is set to be the ultimate credit card for paying electricity bills in India come 2025. It turns the mundane task of settling regular bills into something exciting with its flexible EMI options, secure contactless payments, app-exclusive deals, and the chance to earn points on other purchases, plus up to 5% cashback. Consider a card that can manage your payments for gas, water supply, and usage of electricity, as well as DTH and mobile recharges. This card is intended to provide you with the most advantageous and cost-effective option. The financial instrument is expected to become indispensable for Indian households by 2025, facilitating payment management and creating opportunities for earning rewards and returns.
FAQs
Does this card allow me to pay all utility bills?
Including electricity, water, and gas as the mains supply for mobile recharge, DTH services are included.
Does cashback have a cap?
Maximum cashback is usually limited to a maximum of 5% per category on SBI Card and PhonePe terms.
What is the earliest possible time for me to receive cashback?
Generally, it takes around 30 days for cashback to be fully processed after payment has been confirmed.
What are the methods of utilizing reward points via the internet?
By redeeming points on the SBI Card portal, one can acquire vouchers, shopping discounts, or cashback.
Can the annual cost of this card be determined?
The initial one is complimentary, whereas the subsequent one requires a payment of 499 per year.
Can I avail EMIs for outstanding debts?
Utility payments can be converted into EMIs through PhonePe by using the card.
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