Best Credit Cards for Utility Bill Payments in 2026

On most credit cards, utility bill payments are excluded from reward earning. However, there are a few cards that offer benefits on utility bill payments in the form of higher reward points or cashback. Some of these cards are co-branded with platforms like Google Pay or Airtel and offer generous value-back if you pay your bills through the associated platform. If you are looking to save on this monthly expenditure, check & compare the best credit cards for utility bill payments below.

Top 6 Credit Cards for Utility Bill Payments in India

Axis Bank ACE Credit Card

3.5_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

5% cashback on utility bill payments and recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

Shopping

Cashback

Online Shopping

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• 1.5% cashback on other offline & online spends
• 4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter
• 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000

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Airtel Axis Bank Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

25% cashback on payment for Airtel Mobile, DTH, etc. via Airtel Thanks App

10% cashback on utility bill payment via Airtel Thanks App

Cashback

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Product Details

• 10% cashback on utility bill payments via Airtel Thanks app
• 10% cashback on spends at Zomato, Swiggy and BigBasket
• Unlimited 1% cashback on other spends
• 4 complimentary domestic airport lounge visits every year

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Swiggy HDFC Bank Credit Card

3.5_/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% cashback on Swiggy food orders, Instamart, Dineout & Genie

5% cashback on online spends

Dining

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• 1% cashback on other spends
• Up to Rs. 3,500 cashback in a month
• 3-month Swiggy One Membership worth Rs. 1,199 on card activation
• Renewal fee waived off on Rs. 2 lakh annual spends

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Standard Chartered Super Value Titanium Credit Card

3_/5

Joining fee: ₹750

Annual/Renewal Fee: ₹750

5% cashback on fuel, telephone and utility bills

1 reward point per Rs. 150 spent on other categories

Cashback

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• 1 reward point for every Rs. 150 spent on other categories
• No annual fee charged for Premium banking customers
• Complimentary Priority Pass membership for Premium banking clients
• 1 free Priority Pass lounge visit per month outside India for Premium clients on satisfying TnC

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Tata Neu Infinity HDFC Bank Credit Card

3.5_/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

Up to 10% value-back on Tata Neu spends

8 domestic and 4 international Priority Pass lounge access per year

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Product Details

• 5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
• Additional 5% NeuCoins on select spends at Tata Neu app/website
• 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
• 1,499 NeuCoins after the first spend within 30 days of card issuance
• Low forex markup fee of 2%

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HDFC Regalia Gold Credit Card

4_/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital

4 reward points per Rs. 150 across all retail spends

Travel

Shopping

Rewards

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Product Details

• Complimentary Swiggy One & MMT Black Elite Memberships
• Gift voucher worth Rs. 2,500 on the payment of joining fee
• 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
• Marks & Spencer/ Reliance Digital/ Myntra/ Marriott vouchers of Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
• Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh

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5 Best Credit Cards for Utility Bill Payments In 2025 | Credit Card For Bill Payment |Save Up to 10%

Note: Details mentioned in the video have been sourced from the issuer’s website as of July 2024. For updated information, refer to this page.

Credit Cards for Utility Bill Payments

Below mentioned are the top credit cards offering benefits on utility bill payments, along with other categories:

1. Axis ACE Credit Card

Joining Fee: Rs. 499
Annual Fee: Rs. 499 (waived off on annual spends of Rs. 2 Lakh or more)

Key Features & Benefits:

• 5% cashback on bill payments, DTH and mobile recharges via Google Pay
• 4% cashback on Swiggy, Zomato and Ola
• 1.5% cashback on all other spends
• 4 complimentary domestic lounge visits in a year (on spending Rs. 50,000 in the previous 3 months from the month of access)
• 1% fuel surcharge waiver (max. Rs. 500 in a month) across all fuel stations on spends between Rs. 400 to Rs. 4,000

Providing 5% cashback on bill payment, DTH and mobile recharges via Google Pay, Axis Ace is a good option if you are looking to save on your utility bill payments. The card also gives 4% cashback on popular dining platforms like Swiggy and Zomato, and 1.5% unlimited cashback on all other spends. However, you can earn maximum cashback of Rs. 500 on the top two bonus categories (5% and 4%) combined. So, if you make no spends under the 4% cashback category, you will be able to get benefits on utility bills of up to Rs. 10,000 in a month, which is a decent value-back for an entry-level card.

2. Airtel Axis Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on annual spends of Rs. 2 Lakh or more)

Key Features & Benefits:

• 25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments through the Airtel Thanks app
• 10% cashback on utility bill payments through the Airtel Thanks app
• 10% cashback on your transactions at Swiggy, Zomato and BigBasket
• 1% cashback on all other spends
• Amazon e-voucher worth Rs. 500 on making the first spend within 30 days of card issuance
• 4 complimentary domestic lounge visits every year, 1 per quarter on spending Rs. 50,000 in the previous 3 months
• 1% fuel surcharge waiver on your transaction across all petrol pumps in India

Airtel Axis Card is best suited for Airtel users as they can earn 25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments along with 10% cashback on utility bill payments made via Airtel Thanks app. The bank has put capping of Rs. 250 each on the above two categories. This means you can avail benefits on maximum spends of Rs. 1,000 under the 25% cashback category and Rs. 2,500 under the 10% cashback category. You can also get 10% cashback up to Rs. 500 on Swiggy, Zomato and BigBasket, covering two other everyday categories- dining and groceries. Despite the capping on cashback earning, the card can be a good addition to your wallet if you are an Airtel customer.

3. HDFC Swiggy Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500 (waived off on annual spends of Rs. 2 Lakh or more)

Key Features & Benefits:

• 10% cashback on the Swiggy App for transactions related to food ordering, Swiggy Instamart, Dineout and Genie
• 5% cashback on online spends across top merchant categories
• 1% cashback on spends across various categories, including utility bills
• Complimentary 3 months Swiggy One membership on card activation

HDFC Swiggy is a co-branded credit card offering accelerated benefits on Swiggy and its partner merchants. Users can earn 10% cashback on spends at Swiggy, along with 5% cashback on online spends at partner merchants. Along with this, cardholders can earn a basic cashback of 1% on utility spends, with a capping of Rs. 500 per month. Though the base cashback rate of 1% is quite low, it is still reasonable for a co-branded card focused on dining, groceries and online shopping. Consumers who seek benefits on these categories along with decent value across other spends, including utilities, can consider getting this card.

4. Standard Chartered Super Value Titanium Credit Card

Joining Fee: Rs. 750
Annual Fee: Rs. 750

Key Features & Benefits:

• 5% cashback on utility bill payments on a minimum transaction of Rs. 750 (max. cashback of Rs. 100 per month)
• 5% cashback on telephone bill payments on transactions above Rs. 750 (max. cashback of Rs. 200 per month)
• 5% cashback on fuel expenses, up to Rs. 200 per month, valid on transactions below Rs. 2,000
• 1 reward point for every Rs. 150 spent on other categories
• Complimentary Priority Pass Membership

Standard Chartered Super Value Titanium Credit Card offers benefits across fuel, telephone bill, and utility bill payments. Users can earn 5% cashback across all these categories. However, there is a maximum capping on each category, such as on fuel and telephone bills; you can save up to Rs. 200 per month each. Similarly, on utility bill payments, you can earn a maximum cashback of Rs. 100 on transactions above Rs. 750. Although 5% cashback sounds good, a maximum cashback of Rs. 100 in a month is quite low, as you can maximize benefits on utility bills of only up to Rs. 2,000 per month. If your utility expenses are higher, you can explore other credit cards with a higher capping limit.

5. Tata Neu Infinity HDFC Credit Card

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499 (waived off on annual spends of Rs. 3 Lakh or more)

Key Features & Benefits:

• 5% back as NeuCoins on non-EMI spends at Tata Neu and partner brands such as Air India, Westside, etc.
• 1.5% back as NeuCoins on non-EMI retail spends on non-tata brand and merchant EMI spends across any brand
• 1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
• 1.5% NeuCoins on other spends, including utility bills
• Additional 5% back as NeuCoins on select spends at Tata Neu app/ website
• Welcome benefit of 1,499 NeuCoins on Tata Neu app on the first transaction made within 30 days of card issuance
• 4 complimentary international lounge visits per year
• 8 complimentary domestic lounge access per year

Through Tata Neu Infinity HDFC Credit Card, users can earn rewards in the form of NeuCoins, which can be redeemed for future purchases at Tata Neu or with select partner brands like Air India and Westside. Cardholders earn 5% back in NeuCoins on spends at Tata Neu and its partner brands and 1.5% back in NeuCoins on other spends, including utility bills. There is a monthly capping of 2,000 reward points each for categories such as groceries and insurance payments, but there is no monthly capping on utility spends. However, there might be an overall monthly capping on the accumulated reward points, including all categories. Therefore, users seeking basic benefits on utility bills can opt for this card.

6. HDFC Regalia Gold Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500 (waived off on annual spends of Rs. 4 Lakh or more)

Key Features & Benefits:

• 4 reward points per Rs. 150 spent across all categories including insurance, utilities and education
• 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
• 12 complimentary domestic airport lounge visits
• 6 complimentary international lounge visits with Priority Pass for primary and add-on member*
• Myntra, Marriott, M&S or Reliance Digital voucher worth Rs. 1,500 on quarterly spends of Rs. 1.5 Lakh
• Flight vouchers worth Rs. 10,000 on annual spends of Rs. 7.5 Lakh

*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.

HDFC Regalia Gold Credit Card is an upgraded version of HDFC Regalia Credit Card. The card majorly offers benefits on shopping and travel categories by offering decent reward points. However, along with other categories, you can earn base reward points (4 per Rs. 150) on your utility bill payments and later redeem them across multiple options as per your convenience. While there is no maximum capping on rewards for utility bill payments, you can earn a maximum of 50,000 reward points in a month, combining all categories. Considering the card’s annual fee and overall benefits, this is a good option if you put most of your expenses on your credit card and want to earn significant reward points across multiple categories.

FAQs

Is it worth paying bills with a credit card?

Yes, with the right credit card, you can pay your utility bills while earning decent rewards. Most credit cards exclude utility bills from their rewards or cashback programs. However, some cards, like Axis ACE, Airtel Axis, and Tata Neu Infinity HDFC, allow you to earn cashback or rewards on utility bill payments, allowing you to maximize your savings.

Does paying bills via credit card increase your credit score?

Credit cards directly impact your credit score. However, simply paying bills with a credit card does not improve your score. To build a strong credit score, you must pay your credit card bills on time and in full each month.

Which is the best credit card for electricity bill payments?

Electricity bill payments fall under utility bills. Cards like Axis ACE, Airtel Axis, Swiggy HDFC, and HDFC Tata Neu Infinity offer rewards or cashback on such payments. However, utility bill payments should not be the sole deciding factor when choosing a credit card. Always analyze the card’s overall value to make an informed decision.

How to pay an electricity bill using a credit card without charges?

Credit cards do not typically charge additional fees for bill payments. However, the platform you use for payment may levy a platform fee. Additionally, some card issuers charge a 1% transaction fee on utility payments, which varies by card. Therefore, always check the terms and conditions before making payments.

Do banks charge a 1% fee on utility payments using credit cards?

As of now, most card issuers have implemented a 1% transaction fee for utility bill payments made via third-party apps. While not all issuers have implemented this, popular issuers like ICICI Bank, Axis Bank, and SBI Card levy a 1% fee on such transactions.

Are there any credit cards that give extra benefits on electricity, water, and gas bill payments?

The cards mentioned above are designed to offer benefits across all utility bill payments. No specific cards are designed to offer additional benefits on electricity, water, and gas bill payments. You can save via rewards or cashback across all types of utility bills.

Do credit cards offer cashback or rewards on utility bill payments?

Yes, while most of the credit cards exclude utility bill payments from the rewards program, cards like Axis Bank ACE, Airtel Axis Bank, Swiggy HDFC, and Standard Chartered Super Value Titanium offer decent rewards or cashback on utility bill payments.