Best Credit Cards for Utility Bill Payments
- Updated On: 30 December, 2025
Electricity, gas, and water are essential expenses that we all have to pay for regularly. Since these are necessities that we use every day, we pay for them on a monthly basis. 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.
- Table of Contents
- Airtel Axis Bank Credit Card
- PhonePe HDFC Bank Ultimo Credit Card
- Axis Bank ACE Credit Card
- Tata Neu Infinity HDFC Bank Credit Card
- Amazon Pay ICICI Bank Credit Card
- Tata Neu Infinity SBI Credit Card
- PhonePe HDFC Bank Uno Credit Card
- Adani One ICICI Bank Platinum Credit Card
- Adani One Signature Credit Card
List of Top Credit Cards for Utility Bill Payments
Airtel Axis Bank Credit Card
(3.8/5)
- Joining Fee₹500 + GST
- Annual Fee₹500 + GST
- Best Suited ForUtility Bills
- Rewards TypeCashback
Rewards Rate
25% Cashback On Airtel Recharges (Capped At 2× Base Cashback In Same Statement Month). 10% Cashback On Utility Bills (Capped At Base Cashback In Same Statement Month). 10% Value Back On Zomato, Blinkit & District (Up To ₹200 Per Partner Per Month). 1% Cashback On All Other Spends
Welcome Benefits
Amazon Voucher Worth ₹250
Card Details +
With a modest annual fee of only ₹500, this card welcomes its users by offering an exclusive Amazon gift voucher. Being a cashback credit card, it provides an attractive 25% cashback on Airtel Mobile, DTH, and broadband bill payments made through the Airtel Thanks app. Additionally, users can enjoy a 10% cashback on water, gas, and various other utility bill expenditures via the Airtel Thanks app, along with a 10% cashback on transactions with partner merchants.
- Joining Fee₹999 + GST
- Annual Fee₹999 + GST
- Best Suited ForTravel | Shopping | Utility Bills | UPI
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
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.
Axis Bank ACE Credit Card
(4.8/5)
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForTravel | Utility Bills
- Rewards TypeCashback
Rewards Rate
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.
Welcome Benefits
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.
- Joining Fee₹1,499 + GST
- Annual Fee₹1,499 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeNeuCoins
Rewards Rate
Up to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends
Welcome Benefits
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 welcomes the cardholders with 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.
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForTravel | Shopping
- Rewards TypeCashback
Rewards Rate
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
Welcome Benefits
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.
- Joining Fee₹1,499 + GST (~₹1,769)
- Annual Fee₹1,499 + GST (~₹1,769)
- Best Suited ForTravel | Shopping
- Rewards TypeNeuCoins
Rewards Rate
5% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1.5% Neu Coins on All Other Eligible Spends Including UPI (RuPay Variant)
Welcome Benefits
1,499 NeuCoins
Card Details +
The Tata Neu Infinity SBI Credit Card is a premium card designed for individuals who frequently shop with Tata brands. You can earn up to 10% NeuCoins on Tata Neu and partner brands, including BigBasket, Croma, and Air India. For other spends, including UPI, you earn 1.5% back in NeuCoins if you choose the RuPay version. The card also offers complimentary lounge access, international lounges every quarter, and domestic lounges based on spending. With a joining fee of ₹1,499 + GST and welcome NeuCoins worth the same, it’s almost free for the first year.
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping | Utility Bills | UPI
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
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.
- Joining Fee₹750 + GST
- Annual Fee₹750 + GST
- Best Suited ForTravel
- Rewards TypeAdani Reward Points
Rewards Rate
3% Adani Reward Points on Spends Made With Adani Ecosystem
Welcome Benefits
Hotel Voucher Worth ₹1,000. Flight Voucher Worth ₹2,000 on Spends of ₹10,000.
Card Details +
The Adani One ICICI Bank Platinum Credit Card is a travel-focused entry-level credit card designed for users who frequently engage with the Adani ecosystem. With a modest joining and renewal fee of ₹750 plus GST, the card offers value-packed benefits, including hotel, flight, and holiday vouchers worth over ₹5,000, along with complimentary domestic lounge access, valet parking, and porter services at Adani-managed airports. Cardholders can earn up to 3% Adani Reward Points on Adani ecosystem spends, redeemable at a 1:1 ratio.
- Joining FeeRs. 5,000 + GST
- Annual FeeRs. 5,000 + GST
- Best Suited ForMovies | Travel
- Rewards TypeAdani Reward Points
Rewards Rate
7 Adani Reward Points/₹100 on Spends Made With Adani Ecosystem
Welcome Benefits
Hotel and Holiday Voucher Worth ₹2,000 Each. ₹5,000 Flight Voucher on Spends of ₹25,000 Within 60 Days of Card Activation
Card Details +
The Adani One ICICI Signature Credit Card is a premium credit card that offers 7% Rewards on utility bill payments, including electricity, piped gas, landline, and more. Apart from high rewards on utility bill payments, this card features many luxurious benefits and perks, many of which are associated with Adani-managed airports.
Latest News for Utility Bill Payments With Credit Cards in India
January
The Airtel Axis Credit Card has seen a silent change in its utility bill payment charges. While the card continues to offer 10% cashback on utility bills, the convenience fee has increased to 2.24%, reducing the effective cashback to 7.76%. This change has already been implemented, even though cardholders have not been formally informed. Payments made via Google Pay still do not attract this fee. Despite the increase, the card remains one of the best options for utility bill payments, as most credit cards offer little to no rewards in this category.
Cashback and Reward Points Comparison Earned on Utility Bills for Different Credit Cards
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 |
| Airtel Axis | ₹500 + GST | 10% Cashback | Direct Cashback Against Statement | ₹250 Per Month |
| PhonePe HDFC Ultimo | ₹999 + GST | 10% Reward Points | Direct Cashback Against Statement | 1,000 Reward Points Per Month |
| Axis Ace | ₹499 + GST | 5% Cashback | Direct Cashback Against Statement | ₹500 Per Statement Cycle |
| Tata Neu Infinity HDFC | ₹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) |
| Tata Neu Infinity SBI | ₹1,499 + GST | 5% NeuCoins on Bill Payments Made on Tata Neu | Cashback as NeuCoins. 1 NeuCoin = ₹1 | 2,000 NeuCoins Per Month |
| PhonePe HDFC Bank Uno | ₹499 + GST | 2% Reward Points | Direct Cashback Against Statement | 500 Reward Points Per Month |
| Adani One ICICI Bank Platinum | ₹750 + GST | 3% Adani Reward Points | 1 Adani Reward Point = ₹1 | No Cap |
| Adani One Signature | ₹5,000 + GST | 7% Adani Reward Points | 1 Adani Reward Point = ₹1 | No Cap |
What Are Utility Bill Payments Credit Cards?
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.
Top Credit Cards for Utility Bill Payments Review
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.
Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card is one of the most dynamic credit cards for utility bill payments in the Indian market. It is most beneficial for people who have subscribed to or regularly use Airtel services. However, the benefits of this card are not limited to Airtel users. You get 10% cashback for utility bill payments made on the Airtel Thanks App. Although there is a cap of ₹250 per month, considering the reward rate of other cards, this is quite unique and rewarding. Apart from this, you can also get great cashback on BigBasket, Swiggy, and Zomato.
PhonePe HDFC Ultimo
The PhonePe HDFC Ultimo Credit Card is the latest addition to the best credit cards for utility bill payments. This card offers 10% Reward Points on utility bill payments, such as electricity and water, when made through PhonePe. These Rewards are capped at 1,000 Reward Points each month, offering savings of up to ₹12,000 each year on utility bill payments.
Axis Ace Credit Card
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.
Tata Neu Infinity HDFC
The Tata Neu Infinity Credit Card opens up endless rewards and benefits for Tata loyalists. You can earn up to 10% NeuCoins on transactions made on the TataNeu app. Utility bill payments will earn you 5% cashback in the form of NeuCoins. These NeuCoins can be redeemed both online and offline at Tata brands and stores. What’s even better is that with this card, you will receive 1.5% NeuCoins on UPI transactions.
Amazon Pay ICICI
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.
Why You Should Have a Credit Card for Utility Bill Payment?
Earn Rewards and Cashback
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.
Helps Build Credit Score
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.
Credit Now, Pay Later
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.
Convenience and Ease
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.
How Card Insider Compiled the Top Picks of Credit Cards for Utility Bill Payments?
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 make sure to update our articles from time to time.
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.
Empower and Save With Credit Cards for Utility Bill Payments
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.
FAQs:
What comes under utility bill payments?
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.
Can I use my credit card to pay utility bills like electricity, water, etc.?
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.
Is there any lifetime free credit card for utility bill payments?
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.
Should I pay my monthly bill with a credit or debit 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.
Would there be any additional charges if I used my credit card to pay for my electricity bill?
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