Our Products
Loans
Cards
Insurance
Investment
Stock Market
Electronics Mall
CIBIL Score
Knowledge Centre
Calculators
Our Services
My Account
Do not call
En
Paying monthly utility bills with a credit card can do more than just simplify payments. The right card can help you earn cashback, collect reward points, and manage recurring expenses efficiently. This page helps you identify the best credit card for utility bill payment in India based on rewards, fees, and bill categories covered.
Utility bills such as electricity, gas, broadband, and water are recurring expenses. Choosing the best credit card for utility bill payment allows you to earn value on spends you already make every month. Below is a curated list of cards that support utility bill payments and offer rewards, cashback, or milestone benefits on eligible transactions.
| Credit Card Name | Utility Bill Benefits | Reward Type |
|---|---|---|
Tata Neu Plus HDFC Bank Credit Card |
Rewards via Tata Neu app |
NeuCoins |
Tata Neu Infinity HDFC Bank Credit Card |
Higher NeuCoins on utilities |
NeuCoins |
YES Bank Klick Credit Card |
Cashback on digital spends |
Cashback |
SimplySAVE SBI Card |
Reward points on utility spends |
Reward Points |
IRCTC RuPay SBI Card |
Utility spends eligible for rewards |
Reward Points |
SBI Card ELITE |
Reward points on bill payments |
Reward Points |
SimplyCLICK SBI Card |
Online utility bill rewards |
Reward Points |
SBI Card PRIME |
Utility spends earn points |
Reward Points |
Lifestyle Home Centre SBI Card |
Rewards on utilities |
Reward Points |
BPCL SBI Card OCTANE |
Limited utility rewards |
Reward Points |
Axis Bank MY ZONE Credit Card |
Cashback on select utility platforms |
Cashback |
Axis Bank NEO Credit Card |
Cashback on bill payments |
Cashback |
IndusInd Bank Legend Credit Card |
Reward points on utilities |
Reward Points |
AU Small Finance Bank LIT Credit Card |
Customisable utility benefits |
Cashback / Points |
ICICI Bank Coral Credit Card |
Reward points on utilities |
Reward Points |
MakeMyTrip ICICI Bank Platinum Credit Card |
Utility spends earn base points |
Reward Points |
IDFC FIRST Select Credit Card |
Utility payments earn rewards |
Reward Points |
IDFC FIRST Millennia Credit Card |
Cashback on utility categories |
Cashback |
Kotak League Platinum Credit Card |
Utility spends earn points |
Reward Points |
IndianOil Kotak Credit Card |
Limited utility rewards |
Reward Points |
Disclaimer:
The information on this page, including any “Top” or “Best” lists, is based on data from our Partner institutions and objective parameters such as interest rates, loan amounts, tenure, and other factual criteria. These lists are not exhaustive and do not cover the entire market. We do not claim that featured products are universally the best or suitable for everyone. Details are accurate as of the date shown and may change without notice. Rankings are for informational purposes only and do not constitute financial advice or personal recommendations. They should not be considered endorsements or guarantees of suitability. Bajaj Markets operates as a neutral marketplace and shall not be liable for any loss or damage arising from reliance on this information.
Before selecting a utility bill credit card, it helps to compare key features side by side. While rewards are important, other factors influence long-term value.
| Feature | What to Check |
|---|---|
Reward Type |
Cashback vs reward points |
Monthly Caps |
Limits on utility rewards |
Supported Platforms |
Bill payment apps or portals |
Auto-Debit Support |
Standing instruction availability |
Fees |
Annual fee and waiver conditions |
A structured comparison ensures you choose the best credit card for utility bill payment based on actual usage.
Using a credit card for paying utilities converts spending into reward-earning opportunities. Instead of paying bills via cash or UPI, credit cards add financial flexibility.
Key advantages include:
Consolidated monthly payments
Automated bill tracking
Ability to earn cashback or points.
Not all cards reward utility payments the same way. Understanding this difference helps avoid missed benefits.
Some cards offer flat cashback, while others provide reward points redeemable for vouchers, travel, or statement credits. A few cards accelerate rewards only when bills are paid through specific apps. Monthly reward caps are common, especially on electricity and gas bills, making it important to track limits if you regularly pay electric bills with a credit card.
Auto-debit simplifies recurring bill payments and prevents missed due dates. Most credit cards support standing instructions through issuer apps or bill payment platforms.
Once activated, your electricity or gas bill gets paid automatically each cycle. This not only saves time but also helps avoid late fees and interest charges, making paying utility bills with credit cards more disciplined and predictable.
Before finalising the best credit card for utility bill payment, here are a few things to check:
Review the fine print carefully
Check whether utility spends are excluded from rewards
Check if cashback has monthly caps
Check if merchant codes are supported
Review reward expiry rules, annual fees, and auto-debit compatibility
These details help you decide if the card truly fits long-term bill payment usage.
Many users lose rewards due to avoidable errors. Here are a list of common mistakes to avoid while paying utility bills using your credit card:
Paying bills beyond reward caps
Using unsupported platforms
Missing payment deadlines
Assuming all utilities earn accelerated rewards
Always confirm eligible categories before relying on a card for utility payments.
Utility bill payments usually do not attract interest if paid within the billing cycle. However, missed payments can result in finance charges and late fees.
Some bill payment platforms may apply a convenience fee, which is subject to GST. Reviewing these costs ensures that rewards earned from a utility bill credit card are not offset by additional charges.
Cards offering cashback or accelerated reward points on utilities through supported platforms typically deliver the highest value.
Some cards offer platform-specific cashback that indirectly offsets convenience fees on bill payments.
You can pay through bill payment apps, bank portals, or auto-debit using your registered credit card.
Yes. Rewards may apply only when bills are paid via eligible platforms or within monthly caps.
Electricity, broadband, and mobile postpaid bills are most commonly eligible for rewards.
Timely payments can support a positive credit profile by maintaining consistent repayment behaviour.
Check reward structure, caps, fees, supported platforms, and auto-debit options before deciding.
250 Views
| 1min read
Posted on 16 Jan
Academy by Bajaj Markets
117386
Unlock the world of credit! From picking the perfect card to savvy loan management, navigate wisely.
55560
Money Management and Financial Planning covers personal finance basics, setting goals, budgeting...
26701
Explore the investment cosmos! From beginner's guides to sharp-witted strategies, explore India's treasure trove of options.
35225
Navigate the tax maze with ease! Uncover Income Tax 101, demystify jargon with Terms for Beginners, and choose between Old or New Regimes.
18587
Discover essential insights on various types of insurance in India.
4509
Welcome to Tech in Finance, where we explore the exciting intersection of technology and finance...
Academy 
