Best credit card for Electricity / utility bills
Ranked by net reward rate. Each pick lists the exact percentage you earn at Electricity / utility bills, plus any caps or fine print to watch.
The top 2
Axis ACE
Axis Bank
When paid via Google Pay; effectively unlimited.
HDFC Millennia
HDFC Bank
Base 1% if utility merchant is not a partner.
FAQ
›Which credit card gives the highest reward at Electricity / utility bills?
Axis ACE pays 5% on Electricity / utility bills. When paid via Google Pay; effectively unlimited.
›Are there any caps or limits I should know about?
Most cards cap their boosted-category cashback. The ranking below already accounts for caps in the per-merchant note. For uncapped earn at Electricity / utility bills, look for cards with "Unlimited" in the description.
›Should I get a new card just for one merchant?
Only if your annual spend at that merchant is high enough to clear the joining fee. As a rule of thumb: a 5% boost on ₹1,00,000 / $1,000 of annual spend = ₹5,000 / $50 — which justifies most no-fee or sub-₹1,000 fee cards.