CardAgent

Best credit cards for BBPS bill payments (2026)

Cards ranked by BBPS reward earn rate. Many banks route utility payments through BBPS, so this overlaps heavily with the utility-bills list.

  1. 1
    Axis Bank
    Airtel Axis Bank Credit Card
    10% on BBPS bill payments₹590/yr incl. GST
    10% cashback on non-Airtel utility bills (electricity, gas, water) via Airtel Thanks app only; capped at 1x the 1% base cashback earned same month
    58
  2. 2
    Axis Bank
    Axis Bank Ace Credit Card
    5% on BBPS bill paymentsCap ₹500/mo₹589/yr incl. GST
    5% cashback via Google Pay only (Android-only feature); shares combined Rs 500/cycle cap with 4% category
    52
  3. 3
    SBI Card
    SBI RuPay Select Debit Card
    5% on BBPS bill paymentsCap ₹500/moLifetime free
    Up to 5% flat cashback on bill payments handled via RuPay promotional links
    34
  4. 4
    Federal Bank
    Federal RuPay Select Debit Card
    5% on BBPS bill paymentsCap ₹250/mo₹413/yr incl. GST
    5% periodic cashback drives on UPI payments leveraging RuPay rails selectively
    29
  5. 5
    RBL Bank
    RBL Bajaj Finserv Supercard
    5% on BBPS bill paymentsCap ₹83.333/mo₹589/yr incl. GST
    Cashback events mapped into Bajaj EMI network portals periodically
    27
  6. 6
    HDFC Bank
    HDFC RuPay Premium Debit Card
    5% on BBPS bill paymentsCap ₹50/mo₹236/yr incl. GST
    5% cashback on utility bill payments via HDFC BillPay
    26
  7. 7
    Yes Bank
    Yes RuPay Platinum Debit Card
    5% on BBPS bill paymentsCap ₹50/mo₹177/yr incl. GST
    5% off on electric bills initiated directly over standard NPCI paths
    25
  8. 8
    Standard Chartered
    Standard Chartered Ultimate Credit Card
    2% on BBPS bill payments₹5,900/yr incl. GST
    3 RP/Rs 150 on utilities, supermarkets, insurance, property mgmt, schools, government (since April 2023 revision)
    73

How we rank

We compute an effective % back for each card's BBPS bill payments reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Is BBPS treated as utilities?

Yes — most reward engines classify BBPS transactions as utility MCC codes, so the same category caps and exclusions apply.

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