Best Credit Cards for Utility Payments in India (2025)

Finding the right credit card for your utility payments and everyday spends can make a significant difference in your savings. Whether you're an Airtel user or someone who frequently shops on Amazon, there’s a card for everyone. Below, we’ve curated some of the best credit cards offering great cashback and rewards on utility bills, recharges, and more.

1. Airtel Axis Bank Credit Card

• Joining/Renewal Fee: ₹500 + GST
• Welcome Benefit: Amazon Voucher worth ₹500 on card activation
• Key Benefits:
  • 10% Cashback: Up to ₹250 per month on utility payments (electricity bills, etc.)
  • 25% Cashback: Up to ₹250 on Airtel services (prepaid, postpaid, Airtel Wi-Fi)
  • 10% Cashback: Up to ₹500 on Bigbasket, Zomato, and Swiggy
  • 1% Cashback: On all other retail spends
• Cashback Adjustment: Directly against your monthly statement
• Exclusions: No cashback on fuel, EMI transactions, jewelry purchases, rent, government services, insurance, education, wallet loading, and card fees.

2. Axis Bank ACE Credit Card

• Joining/Renewal Fee: ₹499 + GST (1st year free)
• Key Benefits:
  • 5% Cashback: On utility payments and recharges via Google Pay
  • 4% Cashback: On Swiggy, Zomato, and Ola
  • Maximum Cashback: ₹500 per billing cycle (for 5% and 4% cashback combined)
  • 1.5% Cashback: On all other spends (unlimited)
  • Cashback Adjustment: Directly credited to your statement
• Exclusions: No cashback on utility spends via other platforms, fuel spends, EMI transactions, wallet loading, gold/jewelry purchases, insurance premiums, and card-related fees.

3. Tata Neu Plus/Infinity HDFC Credit Card

• Joining Fee: ₹500+GST (Plus) / ₹1,499+GST (Infinity) / Lifetime Free for some variants
• Key Benefits:
  • Up to 5% NeuCoins:
    • 2% with Plus card on Tata Bill payments (base 1% + 1% bonus)
    • 5% with Infinity card on utility and bill payments (base 1.5% + 3.5% bonus)
  • 1% Cashback: On UPI payments via Tata Neu app (Max cap 500 NeuCoins/month)
  • Monthly Cap: NeuCoins capped at 2,000 for utility transactions
  • NeuCoin Value: 1 NeuCoin = ₹1, redeemable on Tata Neu ecosystem

4. Amazon Pay ICICI Credit Card

• Joining Fee: Lifetime Free
• Key Benefits:
  • 2% Cashback: Unlimited cashback on utility bill payments via Amazon Pay
  • Up to 5% Cashback: On Amazon purchases
  • 2% Cashback: On spends at Amazon Pay partner merchants
  • Cashback Adjustment: Credited as Amazon Pay Balance
  • Exclusions: A 1% fee for utility payments over ₹50,000 per transaction (from Nov 15, 2024).

5. Standard Chartered Super Value Titanium Credit Card

• Joining Fee: ₹750 + GST
• Key Benefits:
  • 5% Cashback: On utility bills (minimum ₹750 transaction)
  • Monthly Cap: ₹100 per transaction, ₹200 max per month
  • Cashback Adjustment: Directly against your statement

6. American Express Gold Charge Card

• Joining Fee: ₹1,000 + GST (1st year) / ₹4,500 + GST (from 2nd year)
• Key Benefits:
  • 1 Membership Reward Point: Per ₹50 spent on utilities
  • Reward Point Value: 1 RP = ₹0.50
  • Welcome Bonus: Earn up to 10,000 Membership Reward Points with referrals

7. HDFC Regalia Gold Credit Card

• Joining Fee: ₹2,500 + GST
• Welcome Benefits:
  • Complimentary Swiggy One and MMT Black Gold Membership on spending ₹1 lakh within 90 days
  • Gift voucher of ₹2,500 on payment of joining fee
• Reward Points Structure:
  • 4 Reward Points: Per ₹150 spent on utilities
  • 4 Reward Points: On retail spends, including utilities, education, insurance
  • 5X Reward Points: At Marks & Spencer, Myntra, Nykaa, Reliance Digital (Max 5,000 RP/month)
• Reward Redemption: Via SmartBuy or NetBanking for exclusive products, flights, hotels, or statement balance
• Exclusions: No points on fuel, wallet loading, and grocery transactions capped at 2,000 RP/month.

Bonus Card: HDFC INFINIA Credit Card (Invite Only)

• Reward Rate: 16% using Amazon gift vouchers for utility payments
• Best for: Premium users looking for the highest reward rate and exclusive benefits.

Looking to apply for a new credit card, Use our affiliate link below to get started.

• Axis Credit Card Apply Link - Click Here
• ICICI Bank Credit Card Apply Link - Click Here
• HDFC Credit Cards Apply Link - Click Here
• Amex Gold Charge Credit Card Apply Link- Click Here
• AMEX Platinum Travel Credit Card Apply Link- Click Here

Here’s a comparison table summarizing the details of the credit cards mentioned:

This table should provide a clear overview of the credit cards and their benefits to help you make an informed decision.

Conclusion

Choosing the right credit card depends on your lifestyle, spending habits, and the platforms you use most. Whether you’re looking for high cashback on utility bills, rewards for shopping, or exclusive services, these cards offer a variety of benefits to suit your needs. Make sure to consider the fees, exclusions, and the best categories for cashback to maximize your savings!