Best Credit Cards for Utility Bills

Electricity, water, gas, mobile and broadband bills. Several cards pay a reduced rate here, so the rate shown matters. Ranked by what each card pays back on ₹5,000 a month, never by what a bank pays us.

10Cards ranked
10%Top rate

1
HSBC Live Plus Credit Card
10% on utility bills, up to ₹1,200 a month
On ₹5,000 a month
₹500 back
A year
₹6,000
Annual fee
₹1,179 incl. GST
Apply Worth it for me?
2
IDFC FIRST HPCL Power+ Credit Card
5% on utility bills, up to ₹2,000 a month
On ₹5,000 a month
₹250 back
A year
₹3,000
Annual fee
₹589 incl. GST
Apply Worth it for me?
3
HDFC Diners Club Black Metal Edition
3.33% on utility bills (the card's base rate)
On ₹5,000 a month
₹167 back
A year
₹2,004
Annual fee
₹11,800 incl. GST
Apply Worth it for me?
4
HDFC Bank Infinia Metal Credit Card
3.3% on utility bills, up to ₹2,000 a month
On ₹5,000 a month
₹165 back
A year
₹1,980
Annual fee
₹14,750 incl. GST
Apply Worth it for me?
5
HSBC Premier World Mastercard
3% on utility bills, up to ₹3,000 a month
On ₹5,000 a month
₹150 back
A year
₹1,800
Annual fee
₹23,600 incl. GST
Apply Worth it for me?
6
IDFC FIRST Power Credit Card
2.5% on utility bills, up to ₹1,000 a month
On ₹5,000 a month
₹125 back
A year
₹1,500
Annual fee
₹235 incl. GST
Apply Worth it for me?
7
IRCTC SBI Card Premier
2.4% on utility bills
On ₹5,000 a month
₹120 back
A year
₹1,440
Annual fee
₹1,769 incl. GST
Apply Worth it for me?
8
AU Xcite Ace Credit Card
2% on utility bills (the card's base rate), up to ₹600 a month
On ₹5,000 a month
₹100 back
A year
₹1,200
Annual fee
₹884 incl. GST
Apply Worth it for me?
9
Shoppers Stop Black HDFC Bank Credit Card
2% on utility bills (the card's base rate)
On ₹5,000 a month
₹100 back
A year
₹1,200
Annual fee
₹5,310 incl. GST
Apply Worth it for me?
10
IndianOil HDFC Bank Credit Card
4.8% on utility bills, up to ₹96 a month
On ₹5,000 a month
₹96 back (capped)
A year
₹1,152
Annual fee
₹590 incl. GST
Apply Worth it for me?

Not ranked, because their terms state no rate on utility bills: AU Business Cashback Rupay Credit Card, AU InstaPay Credit Card, AU Zaggle Credit Card, Axis Bank Primus Credit Card, DCB Novio Credit Card, Equitas Bank PowerMiles Credit Card, Equitas Bank Selfe Credit Card, Equitas Bank Tiga Credit Card, HDFC Bank Diners Club Privilege Credit Card, HDFC BizBlack Credit Card, HDFC BizFirst Credit Card, HDFC BizGrow Credit Card and 12 more. 52 more cards earn nothing here.

Worked out from each card's published reward rate and monthly cap. Your spending elsewhere and the fee also matter: use Is this card worth its fee? for your own numbers.

Common Questions

Which is the best credit card for utility bills?

On our data, HSBC Live Plus Credit Card pays the most: 10%, about ₹6,000 a year on ₹5,000 a month. The best card for you also depends on your other spending and the fee.

How are these cards ranked?

By what each card pays back on ₹5,000 a month in this category or at this brand, from the bank's published rate and monthly cap. A rate the bank limits to named merchants or its own portal is shown as a note, not ranked, on a category page. A card whose terms state no rate here is not ranked at all. Cards that pay the same are ordered by the lower annual fee. What a bank pays SkyloFin is never part of the ranking.

Are the rates guaranteed?

No. Banks change rates and caps; each card's page shows its recent changes and its source. Check the bank's terms before you apply.

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