Best Credit Cards for Utility Bill Payments in India 2026

Most credit cards do not offer rewards on utility bill payments. However, some cards still provide cashback or reward points on electricity, gas, mobile, broadband, and other bill payments. A few co-branded cards, especially with platforms like Google Pay or Airtel, offer higher cashback when you pay bills through their apps. If you want to save money on your monthly utility expenses, you can compare the best credit cards for utility bill payments below.

Axis Bank ACE Credit Card
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Axis Bank ACE Credit Card

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Joining Fee Joining Fee
₹499 + GST
Annual Fee Annual Fee
₹499 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Entry-Level | Online Shopping | Utility bill payment

Reward Key Benefits

  • Get 5% cashback on bill payments, DTH and mobile recharges via Google Pay
  • Earn 4% cashback on Swiggy, Zomato and Ola
  • Enjoy 1.5% cashback on all other spends

  • Get 5% cashback on bill payments, DTH, and mobile recharges via Google Pay
  • Enjoy 4% cashback on Swiggy, Zomato, and Ola
  • Earn 1.5% cashback on all other spends
  • Lounge Access: Get 4 free domestic airport lounge visits per year by spending ₹50,000 in the previous 3 months
  • Fuel Benefits: Avail 1% fuel surcharge waiver (up to ₹500 per month) on transactions between ₹400 and ₹4,000
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Swiggy HDFC Bank Credit Card
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Swiggy HDFC Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Cashback
card category Best For
Dining | Cashback | Online Shopping

Reward Key Benefits

  • Get 10% cashback on Swiggy (food, Instamart, Dineout and Genie)
  • Earn 5% cashback on online spends across top categories
  • Get 1% cashback on all other spends, including utility bills

  • 10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
  • 5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
  • 1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
  • Complimentary Swiggy One: 3-month membership on activation.
  • Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
  • Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
  • Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
  • Zero Lost Card Liability: Report lost card to avoid fraudulent charges.
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Airtel Axis Bank Credit Card
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Airtel Axis Bank Credit Card

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Joining Fee Joining Fee
₹500 + GST
Annual Fee Annual Fee
₹500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Dining | Cashback | Entry-Level

Reward Key Benefits

  • Get 25% cashback on Airtel mobile, broadband, WiFi, and DTH bill payments made via the Airtel Thanks App
  • Earn 10% cashback on utility bill payments through the Airtel Thanks App
  • Enjoy 10% cashback on spends at Swiggy, Zomato, and BigBasket

Tata Neu Infinity HDFC Bank Credit Cards
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Tata Neu Infinity HDFC Bank Credit Cards

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Joining Fee Joining Fee
₹1499 + GST
Annual Fee Annual Fee
₹1499 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Shopping | Cashback | Utility bill payment

Reward Key Benefits

  • Earn 5% back as NeuCoins on non-EMI spends at Tata Neu and partner brands like Air India, Westside, Croma, Titan, and more
  • Get 1.5% back as NeuCoins on non-Tata brand spends and merchant EMI transactions
  • Enjoy 1.5% NeuCoins on UPI payments via the RuPay variant, capped at 500 NeuCoins per month

  • Earn a welcome bonus of 1,499 NeuCoins on first transaction.
  • Get 10% NeuCoins on purchases via Tata Neu app.
  • Earn 5% NeuCoins on Tata partner brand spends and 1.5% NeuCoins on all other transactions.
  • Enjoy complimentary domestic and international lounge access.
  • Benefit from a low foreign currency markup fee of 2%.
  • Avail 1% fuel surcharge waiver, up to Rs. 500 per month.
  • Waive the annual fee by meeting the required spend threshold.
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HDFC Regalia Gold Credit Card
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HDFC Regalia Gold Credit Card

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Joining Fee Joining Fee
₹2500 + GST
Annual Fee Annual Fee
₹2500 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Shopping | Reward | Airport Lounge Access

Reward Key Benefits

  • Earn 4 reward points for every Rs. 150 spent across all categories, including insurance, utility bills, and education payments
  • Get 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer, and Reliance Digital
  • Enjoy 12 complimentary domestic airport lounge visits every year

  • Get complimentary Swiggy One and MMT Black Elite memberships.
  • Receive a gift voucher worth ₹2,500 on payment of the joining fee.
  • Enjoy 6 complimentary international and 12 complimentary domestic airport lounge visits every year.
  • Earn ₹1,500 vouchers from Marks & Spencer, Reliance Digital, Myntra, or Marriott on quarterly spends of ₹1.5 lakh.
  • Get flight vouchers worth ₹5,000 on annual spends of ₹5 lakh.
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Standard Super Value Titanium Credit Card
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Standard Super Value Titanium Credit Card

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Joining Fee Joining Fee
₹750 + GST
Annual Fee Annual Fee
₹750 + GST
Rewards Type Rewards Type
Reward Points
card category Best For
Utility bill payment

Reward Key Benefits

  • Get 5% cashback on utility bill payments above Rs. 750, with savings of up to Rs. 100 per month
  • Earn 5% cashback on telephone bill payments above Rs. 750, capped at Rs. 200 per month
  • Save 5% on fuel spends up to Rs. 200 per month on transactions below Rs. 2,000

  • 5% cashback on fuel spends up to Rs. 2,000 (max Rs. 100 per transaction; Rs. 200 per month)
  • 5% cashback on utility bill payments of Rs. 750 or more (max Rs. 100 per month)
  • 5% cashback on phone bill payments above Rs. 750 (max Rs. 100 per month)
  • 1 reward point for every Rs. 150 spent on other categories
  • Reward points redeemable via Standard Chartered Bank’s Rewards Catalogue
  • Complimentary Super Value Titanium for Premium Banking customers
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Best Utility bill payment Credit Cards in India for 2026

Here is list of top Utility bill payment credit cards along with detailed benefits and fees & charges.

1. Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Joining Fee: Rs. 499 + GST

Annual Fee: Rs. 499 + GST

Key Features and Benefits:

  • Get 5% cashback on bill payments, DTH and mobile recharges via Google Pay
  • Earn 4% cashback on Swiggy, Zomato and Ola
  • Enjoy 1.5% cashback on all other spends
  • Get 4 complimentary domestic airport lounge visits every year (on ₹50,000 quarterly spend)
  • Save with 1% fuel surcharge waiver up to ₹500 per month

2. Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 10% cashback on Swiggy (food, Instamart, Dineout and Genie)
  • Earn 5% cashback on online spends across top categories
  • Get 1% cashback on all other spends, including utility bills
  • Enjoy complimentary 3-month Swiggy One membership on activation

3. Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card

Joining Fee: Rs. 500 + GST

Annual Fee: Rs. 500 + GST

Key Features and Benefits:

  • Get 25% cashback on Airtel mobile, broadband, WiFi, and DTH bill payments made via the Airtel Thanks App
  • Earn 10% cashback on utility bill payments through the Airtel Thanks App
  • Enjoy 10% cashback on spends at Swiggy, Zomato, and BigBasket
  • Get 1% cashback on all other eligible transactions
  • Receive an Amazon e-voucher worth Rs. 500 on making your first transaction within 30 days of card issuance
  • Avail 4 complimentary domestic airport lounge visits every year (maximum 1 per quarter) on spending Rs. 50,000 in the previous 3 months
  • Save on fuel expenses with a 1% fuel surcharge waiver across petrol pumps in India

4. Tata Neu Infinity HDFC Bank Credit Cards

Tata Neu Infinity HDFC Bank Credit Cards

Joining Fee: Rs. 1499 + GST

Annual Fee: Rs. 1499 + GST

Key Features and Benefits:

  • Earn 5% back as NeuCoins on non-EMI spends at Tata Neu and partner brands like Air India, Westside, Croma, Titan, and more
  • Get 1.5% back as NeuCoins on non-Tata brand spends and merchant EMI transactions
  • Enjoy 1.5% NeuCoins on UPI payments via the RuPay variant, capped at 500 NeuCoins per month
  • Earn 1.5% NeuCoins on other eligible spends, including utility bill payments
  • Get an additional 5% NeuCoins on select purchases made through the Tata Neu app or website
  • Receive 1,499 NeuCoins as a welcome benefit on making the first transaction within 30 days of card issuance
  • Avail 4 complimentary international airport lounge visits every year
  • Enjoy 8 complimentary domestic airport lounge visits annually

5. HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card

Joining Fee: Rs. 2500 + GST

Annual Fee: Rs. 2500 + GST

Key Features and Benefits:

  • Earn 4 reward points for every Rs. 150 spent across all categories, including insurance, utility bills, and education payments
  • Get 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer, and Reliance Digital
  • Enjoy 12 complimentary domestic airport lounge visits every year
  • Avail 6 complimentary international lounge visits through Priority Pass for both primary and add-on cardholders
  • Get shopping vouchers worth Rs. 1,500 from Myntra, Marriott, Marks & Spencer, or Reliance Digital on quarterly spends of Rs. 1.5 Lakh
  • Earn flight vouchers worth Rs. 10,000 on annual spends of Rs. 7.5 Lakh
  • Apply for a complimentary Priority Pass membership after completing at least 4 retail transactions with the card

The card offers a good reward rate on everyday spends, including categories like insurance, utilities, and education, which are usually excluded by many cards. It also provides 5X rewards on brands like Nykaa, Myntra, Marks & Spencer, and Reliance Digital, making it a great option for frequent shoppers. Additionally, you get flexible redemption options, including travel bookings, cashback, and an exclusive gold catalogue with premium brands like Apple and Fitbit.

6. Standard Super Value Titanium Credit Card

Standard Super Value Titanium Credit Card

Joining Fee: Rs. 750 + GST

Annual Fee: Rs. 750 + GST

Key Features and Benefits:

  • Get 5% cashback on utility bill payments above Rs. 750, with savings of up to Rs. 100 per month
  • Earn 5% cashback on telephone bill payments above Rs. 750, capped at Rs. 200 per month
  • Save 5% on fuel spends up to Rs. 200 per month on transactions below Rs. 2,000
  • Earn 1 reward point for every Rs. 150 spent on other eligible categories
  • Enjoy complimentary Priority Pass membership for international lounge access

Explore Other Utility bill payment Credit Cards

American Express® Gold Credit Credit

American Express® Gold Credit Credit

Joining Fee: ₹1000
Utility bill payment 
  • Earn up to 12,000 bonus Membership Rewards® points every year on achieving spending milestones
  • Enjoy complimentary room upgrades and a $100 hotel credit on a minimum 2-night stay at select luxury hotels worldwide
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AU Altura Credit Card

AU Altura Credit Card

Joining Fee: ₹199
🛒 Shopping 💵 Cashback  Utility bill payment 
  • Earn 2% cashback on grocery shopping, departmental store purchases, and utility bill payments
  • Enjoy 8 complimentary railway lounge visits every year
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ICICI Coral Credit Card

ICICI Coral Credit Card

Joining Fee: ₹500
🎥 Entertainment 🏆 Reward  Utility bill payment 
  • Get 25% discount on movie tickets booked through BookMyShow and INOX, available twice every month
  • Earn up to 3,000 bonus reward points through milestone and welcome benefits
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IDFC FIRST Power+ Credit Card

IDFC FIRST Power+ Credit Card

Joining Fee: ₹499
⛽ Fuel 🏆 Reward  Utility bill payment 
  • Enjoy up to 6.5% value-back on HPCL fuel purchases
  • Get savings of up to 8.83% on travel bookings made through the IDFC FIRST mobile app
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Axis Neo Credit Card

Axis Neo Credit Card

Joining Fee: ₹250
🎥 Entertainment  Utility bill payment 
  • Enjoy exclusive discount offers on popular brands like Zomato, Blinkit, Myntra, and more
  • Earn 1 EDGE Reward Point for every Rs. 200 spent on eligible transactions
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