Best Utility Cards 2026
Compare 520 cards from 63 banks. Get exclusive offers, real-world reward rates, and zero hidden fees.
Showing 12 of 30 cards
Paytm HDFC Select
HDFC Bank
Reward Rate
1.0% - 5.0%
Annual Fee
₹1,000
Lounge Access
8/yr
Pros
Cons
Paytm SBI Select
SBI Card
Reward Rate
1.0% - 5.0%
Annual Fee
₹1,499
Lounge Access
8/yr
Pros
Cons
BPCL SBI Octane
SBI Card
Reward Rate
7.25%
Annual Fee
₹1,499
Lounge Access
4/yr
Pros
Cons
IOCL Commercial Fleet
HDFC Bank
Reward Rate
2%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
SBI Corporate Card Utility
SBI Card
Reward Rate
0.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Amazon Pay ICICI
ICICI Bank
Reward Rate
1.0% - 5.0%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Paytm HDFC Mobile
HDFC Bank
Reward Rate
0.5% - 2.0%
Annual Fee
₹149
Lounge Access
None
Pros
Cons
HPCL Coral Visa
ICICI Bank
Reward Rate
2.5%
Annual Fee
₹199
Lounge Access
None
Pros
Cons
Freecharge Axis Bank
Axis Bank
Reward Rate
0.75% - 3.0%
Annual Fee
₹250
Lounge Access
None
Pros
Cons
J&K Bank Empower RuPay
Jammu & Kashmir Bank
Reward Rate
0.5%
Annual Fee
₹250
Lounge Access
None
Pros
Cons
Freecharge Plus Axis
Axis Bank
Reward Rate
1.0% - 5.0%
Annual Fee
₹350
Lounge Access
None
Pros
Cons
IndianOil Kotak Visa
Kotak
Reward Rate
4%
Annual Fee
₹449
Lounge Access
None
Pros
Cons
Frequently asked questions
How do I pick the right credit card in India?
Start from your biggest spend category. If most spending is online retail or groceries, a cashback card usually beats a premium card. If you fly more than four times a year, lounge access and low forex markup matter more than headline reward rates. Always check the annual fee waiver spend — a card is effectively free if you cross that threshold naturally.
What is a lifetime free credit card?
A lifetime free card charges no joining fee and no annual fee for as long as the card stays active. Use the Lifetime free filter to see every such card tracked here.
What income do I need for a credit card?
Entry-level cards typically start around ₹15,000–₹25,000 monthly income, while super-premium cards need ₹2 lakh or more per month or an equivalent relationship with the bank. Set your monthly income in the filter panel to see only cards you are likely to qualify for.
Does comparing cards on MoneyMust affect my credit score?
No. Browsing and comparing is purely informational — no application is submitted and no credit bureau enquiry is made until you apply directly with the issuer.