Electricity, gas, and water are essential expenses that we all have to pay for regularly. Since these are necessities we use every day, we pay for them monthly. Utility bill payments are unavoidable, but we can earn rewards and cashback for paying them. CardInsider has created a list of the best credit cards for utility bill payments. With these best credit cards for utilities, you can save on your utility expenses, whether it’s for gas, electricity, telephone, mobile, or water payments. This is necessary because not all credit cards offer rewards for utility payments, so it’s best to keep track of those that do and maximize your savings.
In this article, we will discuss the best credit cards for utility bill payments in India. We have compiled a list of cards from top issuers in the country, keeping in mind two essential criteria. Firstly, the cards should offer cashback or reward points on utility bill payments, and secondly, they should be affordable for everyone. We have excluded premium credit cards from the list because they usually have a high joining fee, even though they offer a decent reward rate on utility bills. Let’s take a look at the best credit cards for utility bill payments by Card Insider.
10% Cashback on Dining, Grocery, Shopping, Food Delivery & Utility Bills (up to ₹1,200/Month). 1.5% Unlimited Cashback on All Other Eligible Spends
₹1,000 Cashback on Spending ₹25,000 Within 30 Days + HSBC Mobile App Login. ₹750 Voucher for Amazon Pay, Zomato, or Swiggy on First Transaction of ₹300+ (Limited-Time Visa Offer)
Card Details +
The HSBC Live+ Credit Card is one of the best options for utility bill payments, offering 10% cashback on eligible utility spends, along with grocery, dining, shopping, and food delivery, subject to a monthly cashback cap of ₹1,200. Unlike many cashback cards that have removed rewards on utility payments, HSBC continues to reward this category, making it an excellent choice for maximizing savings on monthly electricity, gas, broadband, and other household bills.
10 RPs/₹100 on Select PhonePe Spends Like Recharges, Bill Payments, Movies, Hotels, Utilities, and More. 5 RPs/₹100 on Brands Like Amazon, Flipkart, Myntra, Ajio, and More. 1 RP/₹100 on Scan & Pay UPI Spends
Get 50% of the Joining Fee Back as a PhonePe Gift Card on Your First RuPay Credit Card UPI Transaction, and the Remaining 50% as 10 Gift Cards on Continued UPI Spends
Card Details +
The PhonePe HDFC Bank Ultimo Credit Card is a premium co-branded offering most suited for utility bill payments, recharges, and more with the popular Fintech platform PhonePe. This card comes at an affordable and justifiable annual charge of ₹999 + GST. In addition to the excellent reward rate, this card offers free domestic airport lounge access. Since it is available on the RuPay network, it can be used to earn rewards on Scan and Pay payments.
5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, and Zomato, with a combined capping of Rs. 500 cashback per month. 1.5% cashback elsewhere on other merchants.
N/A
Card Details +
The Axis Bank ACE Credit Card, launched in partnership with Google Pay and Visa, aims to capitalize on the growing popularity of online payments in the country. The card offers several benefits, including 5% cashback on payments for electricity, gas, water, and internet bills made through the Google Pay application. Additionally, customers can receive 4% cashback on popular merchants such as Swiggy, Zomato, and Ola. The target audience for this credit card is young professionals who frequently use these merchants and are new to the credit scene.
Up to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends
1,499 NeuCoins on Tata Neu App
Card Details +
HDFC Bank and Tata Neu have partnered to launch the Tata Neu HDFC Bank credit cards. The partnership has resulted in two co-branded credit cards, the Tata Neu HDFC Bank Infinity Credit Card and the Tata Neu HDFC Plus Credit Card. The Infinity variant is the premium one and offers various exclusive benefits across different categories. It charges an annual fee of ₹1,499 and offers cardholders benefits of an equivalent monetary value. With a reward rate of up to 10%, it is considered one of the best shopping credit cards available in India. One can earn up to 2,000 NeuCoins on utility bill payments with this credit card.
5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Cashback and Discounts Up to ₹2,500 and One Month EazyDiner Membership
Card Details +
This co-branded credit card, launched by ICICI Bank in collaboration with Amazon India, is the most popular and rewarding cashback credit card in the country. In fact, it’s considered to be an all-around credit card offering rewards in various categories, from shopping to utility bill payments. What’s so incredible about this card is that you get rewarded with cashback in the form of an Amazon Pay balance.
2 RPs/₹100 on Select PhonePe Spends Like Recharges, Bill Payments, Movies, Hotels, Utilities, and More. 1 RP/₹100 on Brands Like Amazon, Flipkart, Myntra, Ajio, and More. 1 RP/₹100 on Scan & Pay UPI Spends
Get 50% of the Joining Fee Back as a PhonePe Gift Card on Your First RuPay Credit Card UPI Transaction, and the Remaining 50% as 10 Gift Cards on Continued UPI Spends
Card Details +
From a decent 2% return on utility bill payments, recharges, and travel to a 1% reward rate on popular online merchants like Myntra, Ajio, Swiggy, and many more, this card offers it all at an affordable price of ₹499 + GST. UPI users can also earn 1% rewards on all ‘Scan and Pay’ payments made with this credit card.
Before making the right choice for a utility bill payment credit card, it’s best to compare different aspects and features of the card, such as joining fee, reward point value, or any capping on reward earning.
| Cards | Fees | Cashback/Rewards on Utility Bill Payments | Cashback or Reward Point – Value | Maximum Cap |
| HSBC Live+ | ₹999 + GST | 10% Cashback on Dining, Grocery, Shopping, Food Delivery & Utility Bills | Direct Cashback Against Statement | ₹1,200 Per Month |
| PhonePe HDFC Bank Ultimo | ₹999 + GST | 10% Reward Points | Direct Cashback Against Statement | 1,000 Reward Points Per Month |
| Axis Bank ACE | ₹499 + GST | 5% Cashback | Direct Cashback Against Statement | ₹500 Per Statement Cycle |
| Tata Neu Infinity HDFC Bank | ₹1,499 + GST | 5% NeuCoins on Bill Payments Made on Tata Neu | Cashback as NeuCoins. 1 NeuCoin = ₹1 | 2,000 NeuCoins Per Month |
| Amazon Pay ICICI | Lifetime Free | 2% Cashback on Utility Bill Payments | Cashback as Amazon Pay Balance | No Cap (Unlimited) |
| PhonePe HDFC Bank Uno | ₹499 + GST | 2% Reward Points | Direct Cashback Against Statement | 500 Reward Points Per Month |
Credit cards are considered one of the most innovative and rewarding instruments of today. They offer rewards on simple purchases and provide additional benefits such as discounts on brands, special privileges, and free airport lounge access. Utility Bill Payment Credit Cards are specifically designed for paying essential and recurring bills like electricity, gas, water, DTH, and broadband. Using these cards can result in significant monthly savings. They are particularly beneficial for middle-class individuals as they have reasonable fees and enable substantial regular savings.
Have a look at our review of the top credit cards for utility bill payments in India. These exclusive cards offer amazing rewards and discounts on your monthly payments of electricity, gas, water, DTH, and recharges. You can also avail of special discounts on popular brands and save big on your purchases. These credit cards are a great way to make your utility bill payments more rewarding.
The HSBC Live+ Credit Card is one of the newest and most welcome additions to the list of credit cards that reward utility bill payments. While the card was already popular for its cashback on dining, grocery, shopping, and food delivery, the July 2026 update made it even more rewarding by extending 10% cashback to utility bill payments as well. Beyond cashback, the card also offers complimentary domestic and international airport lounge access, a low 1.99% forex markup, and is issued on the Visa Infinite network, giving cardholders access to a range of premium Visa travel and lifestyle benefits.
When it comes to utility payments, the Axis Ace Credit Card is a true ace. Packed with features that cater to your everyday needs, this card simplifies bill payments while rewarding you for your expenses. You can pay your utility bills on Google Pay with this card and earn cashback of up to 5%. This card earns 4% cashback on Swiggy, Zomato, and Ola and 1.5% cashback on all other spends, with a focus on utility bill payments.
The Amazon Pay ICICI Credit Card is one of India’s most popular credit cards, and it is loved by many. It is an ideal cashback credit card designed for frequent Amazon consumers. If you regularly shop on Amazon, this credit card is a must-have. The best part is that it comes with no joining or renewal charges, making it a lifetime free card. When it comes to utility payments, you can enjoy a 2% cashback on your monthly bills for gas, electricity, and water.
To earn cashback on your utility bill payments, you need a credit card that rewards such payments. Keep in mind that many credit cards have specific terms and conditions for utility bill payments. Therefore, it’s crucial to have a dedicated credit card to pay your utility bills. This way, you can save on your regular expenses. For example, we all pay electricity bills on a regular basis, but with the Airtel Axis Credit Card, you can earn 10% cashback on them. If your bill is ₹500, you would have instantly saved ₹50.
When you make regular payments for utilities, not only are you rewarded for these, but your credit score also increases. You are utilizing your credit and earning rewards at the same time. All you have to do is pay your credit card bills on time, and you will see a strong foundation for your credit history.
With a credit card, you can immediately pay your utility bills and then pay it back when your statement is generated. Each card usually has a 50 to 55-day interest-free credit period. This is the most basic and convenient feature of a credit card. You can make bill payments without having to worry about it, and pay your dues at a later date.
Using credit cards for utility bill payments offers ease, convenience, and, above all, security. You won’t have to deal with multiple other methods of payment. Simply pay, take out your card, and pay your bills online. There are several apps available where you can save your card information under the new RBI guidelines and make easy payments each time. Whether it’s an app like Airtel Thanks, Amazon Pay, or Cred, using credit cards for utility bill payments is super easy.
This article went through a lot of in-depth research. We explored many options, including obscure credit card terms and talkative chat rooms, before comparing the final list. At CardInsider, we aim to provide the best information so that people can make informed financial decisions. We present accurate information in a simple format and update our articles regularly.
We’re constantly keeping up with the latest developments in the world of credit cards in India to make sure our efforts are always on the cutting edge.
When choosing credit cards for utility bill payments, it’s important to compare the reward structure and fees offered by different card issuers to ensure that they align with your financial goals. Additionally, it’s crucial to use the card responsibly and pay the balance in full each month to maximize its benefits and build a healthy credit score.
Share your views regarding the best credit cards for utility bill payments in India in the comments below.
Utility bills include payments for gas, electricity, water, mobile plans, TV recharges, and many other basic necessities. Since we all have to pay for these utilities, having a credit card that helps us save on these expenses would be highly beneficial.
Yes, you can pay your utility bills with a credit card, but those payments don’t need to be rewarded. It’s best to check if your card rewards utility bill payments and opt for one accordingly.
Yes, there is only one lifetime free credit card that is most suitable for bill payments as it offers decent cashback: the Amazon Pay ICICI Credit Card. There are no joining or renewal fees for this card.
You can pay your monthly bills using either your debit or credit card. However, it’s important to note that credit cards usually offer more rewards than debit cards. In addition to this, credit cards also provide additional benefits, such as offers on popular platforms and brands like Zomato, Swiggy, Amazon, Flipkart, and Ola.
Certain convenience charges are now being applied when using credit cards for utility bill payments. While credit card issuers do not levy these charges directly, platforms like the Airtel Thanks app and Google Pay have started imposing them.
1 comment
Janvi
Thanks to CardInsider for simplifying the process of determining the best credit card for paying your utility bills. This insightful blog provides clarity and valuable comparisons to help users make informed decisions and maximize value