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Best Utility in India 2026

Compare the best utility in India. 1 cards ranked by our experts.

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Best for: Online shoppers and those making frequent utility payments who want straightforward cashback rewards without category restrictions
Standard Chartered Smart

Standard Chartered Smart

3.6 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹1.00 - ₹2.00/₹100

#68

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Utility
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CardNitty's take

Pros

  • Simple 2% cashback on all online spends
  • 1% cashback on offline spends with no merchant restrictions
  • Utility bill payments eligible for cashback
  • 90-day extended interest-free period for new cardholders
  • Zero processing fee on 3-month EMI conversions
  • Cashback never expires
  • Low annual fee (Rs. 499) with spend-based waiver
  • 0.99% monthly interest on 3-month EMIs

Cons

  • No welcome bonus or renewal benefits
  • No lounge access (domestic or international)
  • No fuel surcharge waiver or cashback on fuel
  • Monthly cashback caps limit high spenders
  • No insurance coverage
  • Higher forex markup (3.5%) compared to premium cards
  • Lacks premium features like concierge or golf benefits
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