Best card for
Best credit card for Utility bills
Which card to use for Utility bills in India - all 187 cards ranked
by what you actually get back on ₹3,000, after caps, exclusions and fees.
Top cardson ₹3,000
1
HSBC Live+
Pay directly · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹300
10%
2
Airtel Axis Bank
Pay the bill through the Airtel Thanks app · 10% on other utility bills via Airtel Thanks (dynamic cap) · cap DYNAMIC: capped at 1X the base cashback earned that cycle; ₹250 shown as working ceiling
axis.bank.in · 22 Aug 2026
₹250
8.33%
3
Axis ACE
Pay the bill through Google Pay · 5% bills via Google Pay · cap ₹500/statement COMBINED across the 5% GPay-bills and 4% Swiggy/Zomato/Ola buckets (bank worked example credits ₹500, not ₹650)
axisbank.com · 20 Aug 2026
₹150
5%
4
SBI Card PRIME
Pay directly · 20 RP/₹100 on utility bills via Standing Instructions (SBI platforms) · cap 3,000 RP/month on utility SI
sbicard.com · 22 Aug 2026
₹150
600 pts · 5%
5
HDFC Infinia Metal
Pay directly · Utilities: base rate capped 2,000 pts/month · cap 2,000 pts/calendar month
hdfc.bank.in · 22 Aug 2026
₹100
100 pts · 3.33%
6
HDFC Diners Club Black Metal
Pay directly · Utilities: base rate capped 2,000 pts/month · cap 2,000 pts/calendar month
hdfc.bank.in · 22 Aug 2026
₹100
100 pts · 3.33%
7
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹100
100 pts · 3.33%
8
ICICI HPCL Super Saver
Pay directly · 20 pts / Rs100 on utility, grocery and department store spend · cap 400 reward points a month
icicibank.com · 25 Sep 2026
₹100
400 pts · 3.33%
9
FIRST Power+
Pay directly · 30 pts / Rs 150 on grocery and utility spends · cap 400 Reward Points per month
idfcfirstbank.com · 25 Sep 2026
₹100
400 pts · 3.33%
10
SpiceJet Axis Bank Voyage Black
Pay directly · 12 SpiceClub Points / Rs 200 on online food, bill payment and entertainment
axis.bank.in · 30 Sep 2026
₹90
180 pts · 3%
Best with no annual fee3
1
RuPay Select Credit Card
Pay directly · 5% cashback on utility bill payments · cap ₹50/month
canarabank.bank.in · 30 Sep 2026
₹50
1.67%
2
Fibe Axis Bank Credit Card
Pay directly
axis.bank.in · 2 Oct 2026
₹30
1%
3
LIC Select
Pay directly · 5 pts / Rs 125 on grocery, utilities, railways, FASTag, education and government payments · cap 600 RP per month
idfcfirstbank.com · 25 Sep 2026
₹30
120 pts · 1%
Best if you pay directly3
1
HSBC Live+
Pay directly · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹300
10%
2
SBI Card PRIME
Pay directly · 20 RP/₹100 on utility bills via Standing Instructions (SBI platforms) · cap 3,000 RP/month on utility SI
sbicard.com · 22 Aug 2026
₹150
600 pts · 5%
3
HDFC Infinia Metal
Pay directly · Utilities: base rate capped 2,000 pts/month · cap 2,000 pts/calendar month
hdfc.bank.in · 22 Aug 2026
₹100
100 pts · 3.33%
Cards that earn nothing here63
Axis Magnus
Utility & telecom excluded (current category list, no codes published).
axis.bank.in · 22 Aug 2026
Flipkart Axis Bank
Utility services excluded.
campaign.axis.bank.in · 22 Aug 2026
Axis Atlas
Utilities excluded.
axis.bank.in · 22 Aug 2026
Axis Privilege
Utility & telecom excluded.
axis.bank.in · 22 Aug 2026
Axis Reserve
Utilities excluded from EDGE earn (Sep 2023).
axis.bank.in · 22 Aug 2026
Axis Burgundy Private
Utilities & telecom earn nothing (Apr 2024).
axis.bank.in · 22 Aug 2026
Axis Magnus for Burgundy
Utility & telecom excluded (current category list, no codes published).
axis.bank.in · 22 Aug 2026
Axis MY Zone
Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery and Fuel earn no rewards
axis.bank.in · 25 Sep 2026
Axis Select
Insurance, rent, fuel, educational services, utilities & telecom, wallet, gold/jewellery, government services, gift cards and bridge/road/toll fees earn no EDGE REWARD points
axis.bank.in · 25 Sep 2026
Axis Horizon
Transportation & tolls, utilities and telecom, insurance, educational institutions, government institutions, wallet/gift cards, rent and fuel earn no EDGE Miles
axis.bank.in · 25 Sep 2026
IndianOil Axis Bank Credit Card
Insurance, gold/jewellery, wallet, rent, utilities, government institutions and education earn no EDGE REWARDS
axis.bank.in · 25 Sep 2026
Axis Rewards
Transportation & tolls, utility and certain telecom, insurance, educational institutions, government institutions, wallet/wire transfer, rent and fuel MCCs earn no reward points
axis.bank.in · 25 Sep 2026
Axis Bank Neo
No EDGE REWARD points on utilities and telecom, education, insurance, government, wallet loads, rent, fuel, gold and jewellery, or gift cards.
axis.bank.in · 1 Oct 2026
Axis Bank Supermoney RuPay Credit Card
Utility Services listed among the restricted Merchant Category Exclusions.
axis.bank.in · 2 Oct 2026
SBI Cashback Card
Utilities excluded from cashback (bank table puts 9399 under Utility here).
sbicard.com · 22 Aug 2026
SimplyCLICK SBI Card
Utility bill payments via SBI Card app/site earn base 1X only (no 5X; no MCC list published).
sbicard.com · 22 Aug 2026
PhonePe SBI SELECT BLACK
Utilities & insurance OUTSIDE the PhonePe app earn nothing (MCC-excluded).
sbicard.com · 22 Aug 2026
SBI Card MILES
Utility transactions earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Prime
Utility transactions earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Elite
Utility transactions earn nothing.
sbicard.com · 21 Sep 2026
Titan SBI Card
No reward points on fuel, wallet upload, property rental or utility bill payments.
sbicard.com · 25 Sep 2026
Kotak League Platinum
Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Urbane Gold (discontinued)
Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
IndianOil Kotak
Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Air+ Prime
Utilities & telecom earn nothing (bank T&C MCC list).
kotak.bank.in · 21 Aug 2026
Kotak Air
Utilities & telecom earn nothing (bank T&C MCC list).
kotak.bank.in · 21 Aug 2026
Kotak Air+
Utility and telecom spends earn nothing.
kotak.bank.in · 21 Sep 2026
Kotak Cashback+ Credit Card
Cashback not applicable on Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI.
kotak.bank.in · 25 Sep 2026
Kotak Cashback+ Prime Credit Card
Cashback not eligible on following spend categories: Rent, B2B transaction, Utilities, Education and Government, Wallet, Online skill-based gaming, and EMI. (Insurance is NOT in this list for the Prime variant - see notes/gaps: insurance earns base 0.5% cashback up to Rs25,000/cycle per the bank's own page.)
kotak.bank.in · 25 Sep 2026
Kotak Solitaire Credit Card
No Air Miles on rent, wallet, fuel, utility/telecom, insurance, education, government (except tax payments), digital gaming, and international spends.
kotak.bank.in · 30 Sep 2026
Amazon Pay ICICI
Utility transactions OUTSIDE the Amazon platform earn nothing (w.e.f. 11 Oct 2025); via Amazon Pay they earn the partner rate.
icicibank.com · 22 Aug 2026
HSBC TravelOne
Utilities: no reward points on TravelOne.
hsbc.co.in · 22 Aug 2026
HSBC RuPay Cashback
Utilities (MCC 4900) excluded per the current page footnote - newer than the Service Guide table that left the cell blank.
hsbc.co.in · 22 Aug 2026
HSBC Taj Credit Card
No reward points on utilities - electric, gas, water and sanitary payments.
hsbc.co.in · 25 Sep 2026
RuPay Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
Visa Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
Amex Membership Rewards
Utility services (electricity/gas/water, incl govt providers): no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex Platinum Travel
Utility services (electricity/gas/water, incl govt providers): no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex SmartEarn
Utility services (electricity/gas/water, incl govt providers): no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex Platinum Reserve
Utility services (electricity/gas/water, incl govt providers): no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Amex Platinum Charge
Utility services: no MR points (MR T&C Section III.1(a)).
americanexpress.com · 22 Aug 2026
Scapia (Federal Bank)
Utility, telecom and cable earn nothing.
res.cloudinary.com · 22 Aug 2026
IndianOil RBL XTra
Utilities earn no Fuel Points.
webassets.rbl.bank.in · 22 Aug 2026
RBL Play (BookMyShow)
Utilities excluded.
webassets.rbl.bank.in · 22 Aug 2026
AU LIT
Utility & telecom earn base 1 RP/₹100 only, max 100 RP/txn; insurance (6300/5960) also 1 RP. Base earn capped 10,000 RP/cycle.
au.bank.in · 22 Aug 2026
Uni GoldX
Utilities earn nothing.
media.bobcard.co.in · 21 Sep 2026
Shoprite Credit Card
Utility bill payments earn no reward points.
rbl.bank.in · 25 Sep 2026
Nova Credit Card
Utility bill payments earn no reward points.
rbl.bank.in · 25 Sep 2026
Paisabazaar Paisaback
Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops. Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank.
federal.bank.in · 1 Oct 2026
CUB CSK RuPay Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH RuPay Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master World Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master World Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach RuPay Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CSB Bank Edge+ Credit Card
Jewels are not awarded on utility bill payments (electricity, gas, etc.).
csb.bank.in · 2 Oct 2026
Edge CSB Bank Credit Card
Jewels are not awarded on utility bill payments (electricity, gas, etc.).
csb.bank.in · 2 Oct 2026
Eternal Credit Card
Utility payments (electricity, telephone, internet, water) do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Rhodium Credit Card
Utility payments (electricity, telephone, internet, water) do not earn cashback
utkarsh.bank.in · 4 Oct 2026
SmartGen Credit Card
Utility payments (electricity, telephone, internet, water) do not earn cashback
utkarsh.bank.in · 4 Oct 2026
superCard
Insurance, post office, transit (transport) and utilities payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Questions
Which credit card is best for Utility bills?
HSBC Live+ is the best card for Utility bills. It nets ₹300 on a ₹3,000 spend. Pay directly.
Which cards give nothing on Utility bills?
63 of the cards we track earn nothing on Utility bills, including Axis Magnus, Flipkart Axis Bank, Axis Atlas, Axis Privilege, Axis Reserve and 58 more.
Is a gift voucher better than paying directly for Utility bills?
Paying directly with HSBC Live+ nets ₹300 on ₹3,000, at least as much as the best voucher route (Airtel Axis Bank at ₹250).