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Utility bill cards · India

Best Credit Cards for Utility Bill Payments in India

Explore credit cards for electricity, mobile, broadband, DTH and gas bills using verified payment routes, reward rules, caps, annual fees and exclusions.

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Analysis by GainFair · Updated 23 September 2026 · Questions or corrections: support@gainfair.in

1 focused card

Focused cards

This need is central to the card's design or main published benefit. Shown alphabetically, with no ranking.

Airtel Axis Bank Credit Card

Axis Bank · Mastercard · Entry

Focused card
Relevant benefit
1% recorded reward value on eligible utility-bill payments.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You pay eligible household or telecom bills by card.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply
8 broader cards

Broader cards

These cards reward this category too, but are designed for a wider mix of spending and benefits. Shown alphabetically, with no ranking.

Showing 6 of 8 broader cards

AU Bank Altura Credit Card

AU Small Finance Bank · Visa · Entry

Broader card
Relevant benefit
2% recorded reward value on eligible utility-bill payments.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You pay eligible household or telecom bills by card.
Annual fee
₹199 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

AU Bank Tejas Credit Card

AU Small Finance Bank · Visa · Entry

Broader card
Relevant benefit
1.25% recorded reward rate for AU Rewardz only.
Important limit
Five reward points per ₹100 require an eligible AU Rewardz payment; generic bills use the base value.
Best when
The AU Rewardz only condition matches how you spend.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

Axis Bank ACE Credit Card

Axis Bank · Visa · Entry

Broader card
Relevant benefit
1% on eligible generic utility-bill payments; accelerated rewards require eligible Google Pay bill payments only.
Important limit
The accelerated utility rate requires the prescribed Google Pay route. Generic utility spending uses the 1% base rate. ₹500 statement cycle cap shared across combined 5% and 4% cashback.
Best when
The eligible Google Pay bill payments only condition matches how you spend.
Annual fee
₹499 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

HDFC Bank UPI RuPay Credit Card

HDFC Bank · RuPay · Entry

Broader card
Relevant benefit
0.5% recorded reward value on eligible utility-bill payments.
Important limit
₹125 calendar month cap shared across three-cashpoint rewards.
Best when
You pay eligible household or telecom bills by card.
Annual fee
₹99 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr
See full analysis →Apply

HSBC Live+ Credit Card

HSBC India · Visa · Mid

Broader card
Relevant benefit
10% recorded reward value on eligible utility-bill payments.
Important limit
₹1,200 calendar month cap shared across 10% accelerated cashback.
Best when
You pay eligible household or telecom bills by card.
Annual fee
₹999 + GST yearly
Forex / international airport lounge visits
2.0% · 1/yr

BookMyShow: BOGO up to ₹250, 1×/month

See full analysis →Apply

ICICI Bank HPCL Super Saver Credit Card

ICICI Bank · Visa + RuPay · Entry

Broader card
Relevant benefit
5% recorded reward value on eligible utility-bill payments.
Important limit
Issuer exclusions and merchant-category eligibility still apply.
Best when
You pay eligible household or telecom bills by card.
Annual fee
₹500 + GST yearly
Forex / international airport lounge visits
3.5% · 0/yr

BookMyShow: 25% off up to ₹100, 2×/month

See full analysis →Apply

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