CardAgent

Best credit cards for utility bill payments (2026)

Cards ranked by rewards on utility bill payments. Note: many premium cards cap utility rewards or exclude them entirely from milestone benefits.

  1. 1
    Axis Bank
    Axis Bank Ace Credit Card
    5% on Utility billsCap ₹500/mo₹589/yr incl. GST
    5% cashback via Google Pay only (Android-only feature); shares combined Rs 500/cycle cap with 4% category
    47
  2. 2
    SBI Card
    SBI RuPay Select Debit Card
    5% on Utility billsCap ₹500/moLifetime free
    Up to 5% flat cashback on bill payments handled via RuPay promotional links
    34
  3. 3
    Federal Bank
    Federal RuPay Select Debit Card
    5% on Utility billsCap ₹250/mo₹413/yr incl. GST
    5% periodic cashback drives on UPI payments leveraging RuPay rails selectively
    28
  4. 4
    RBL Bank
    RBL Bajaj Finserv Supercard
    5% on Utility billsCap ₹83.333/mo₹589/yr incl. GST
    Cashback events mapped into Bajaj EMI network portals periodically
    26
  5. 5
    HDFC Bank
    HDFC RuPay Premium Debit Card
    5% on Utility billsCap ₹50/mo₹236/yr incl. GST
    5% cashback on utility bill payments via HDFC BillPay
    26
  6. 6
    Yes Bank
    Yes RuPay Platinum Debit Card
    5% on Utility billsCap ₹50/mo₹177/yr incl. GST
    5% off on electric bills initiated directly over standard NPCI paths
    25
  7. 7
    Standard Chartered
    Standard Chartered Ultimate Credit Card
    2% on Utility bills₹5,900/yr incl. GST
    3 RP/Rs 150 on utilities, supermarkets, insurance, property mgmt, schools, government (since April 2023 revision)
    71
  8. 8
    ICICI Bank
    ICICI Bank Emeralde Credit Card
    2% on Utility bills₹14,160/yr incl. GST
    2 RP per ₹100 on utility spends → ~0.5% effective
    31

How we rank

We compute an effective % back for each card's Utility bills 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

Do utility payments count toward milestone spend?

Increasingly no — HDFC Infinia, Axis Magnus, and SBI Aurum have all excluded utilities from milestone qualifying spend as of 2024–25.

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