Credit Card for Utility Bill Payments: Best Credit Cards

Paying electricity, Wi-Fi, and phone bills always felt like a chore. I’d open five apps, forget a due date, and get no reward for it. 

One day, a friend asked why I wasn’t using a credit card for utility bill payments. That question changed everything.

I started testing cards that turn these boring utility bills into cashback and reward points.

What surprised me most? The best credit card for utility bill payments wasn’t the flashy ones or premium credit cards. 

Let me share the credit cards I find most useful and rewarding for paying my utility bills. 

Why Paying Utility Bills with Credit Cards Makes Sense? 

Utility payments are unavoidable. Electricity, broadband, DTH, water, gas, and mobile recharges keep the house running.

But each of these bill payments can now earn cashback or reward points. If you already pay ₹5,000–₹10,000 in monthly payments, you’re leaving easy money on the table.

The right credit card turns these expenses into savings. Many cards offer rewards not just on utility bills but also on retail spending and across various categories, thanks to their comprehensive rewards programs.

You earn rewards, maintain a healthy credit score, and enjoy interest-free credit for up to 45 days.

Best Credit Cards for Utility Bill Payments in India (2025): Quick Comparison

Top 5 Best Credit Cards for Utility Bill Payments [Full Report] 

Axis Bank ACE Credit Card

• Issued by: Axis Bank
• Annual / Joining Fee: ₹499 + GST (Waived on ₹10,000 monthly spends)
• Card Network: Visa
• Category: Cashback, Utilities, Everyday Spends
• Eligibility: Minimum income ₹15,000 (salaried) / ₹30,000 (self-employed)

Axis Bank ACE Credit Card is designed for people who pay bills online. It gives 5% cashback on electricity, mobile, broadband, and other utility bill payments through Google Pay.

The card also offers exclusive cashback benefits on Airtel mobile bill payments and other Airtel services, making it particularly attractive for Airtel users.

You earn 4% cashback on partner platforms like Swiggy and Zomato and 2% on all other spends.

Cashback is directly credited to your account every billing cycle. No points. No expiry.

It’s a low-maintenance, high-value card that helps you save money on essential payments every month.

Why Axis Bank ACE credit card for utility bill payments?

• 5% cashback on electricity, broadband, and mobile recharges via Google Pay.
• Cashback auto-credited to your credit card account, no manual redemption.
• Simple joining fee waiver and clear statement cycle for easy tracking.

Hidden benefits most people miss:

• Also gives cashback on Airtel Thanks App utility payments.
• Interest-free credit for up to 45 days helps manage monthly payments more effectively.
• Eligible for annual fee waiver with small consistent spends, no big targets.

Amazon Pay ICICI Credit Card

• Issued by: ICICI Bank
• Annual / Joining Fee: ₹0 (Lifetime Free)
• Card Network: Visa
• Category: Cashback, Utilities, Online Shopping
• Eligibility: Minimum income ₹20,000 (salaried) / ₹30,000 (self-employed)

Amazon Pay ICICI Credit Card is a simple, lifetime free credit card for daily household spends. It gives 1% cashback on all utility bill payments, including electricity, DTH, broadband, LPG, and mobile recharges through the Amazon Pay app.

You also earn 2% to 5% cashback on Amazon and partner sites. There’s no joining or renewal fee, and cashback is automatically credited to your Amazon Pay balance.

No extra steps required. Just straightforward savings on everyday bills.

Why Amazon Pay ICICI credit card for utility bill payments?

• 1% assured cashback on all bill payments via Amazon Pay.
• Lifetime free with zero joining or annual charges.
• Cashback is auto-added to your Amazon Pay wallet, no redemption steps.

Hidden benefits most people miss:

• Works for electricity, gas, OTT, and broadband payments under Amazon Pay.
• Includes a fuel surcharge waiver up to ₹100 per month.
• Cashback reflects within 2–3 days after the billing cycle.

HDFC Millennia Credit Card

• Issued by: HDFC Bank
• Annual / Joining Fee: ₹1,000 + GST (Waived on ₹1 lakh annual spends)
• Card Network: Visa / Mastercard / Rupay
• Category: Cashback, Utilities, Lifestyle Spends
• Eligibility: Minimum income ₹25,000 (salaried) / ₹50,000 (self-employed)

HDFC Millennia offers 5% cashback on utility bill payments made via HDFC SmartBuy or PayZapp.

You also earn 1% cashback on other online and offline spends. Cashback is credited as CashPoints, redeemable for statement balance or flight bookings.

You also get fuel surcharge waiver and bonus points on large annual spends.

Why this card for utility bill payments?

• 5% cashback on bill payments through SmartBuy and PayZapp.
• Easy annual fee waiver on ₹1 lakh yearly spends.
• Cashback is redeemable against a credit statement or travel bookings.

Hidden benefits most people miss:

• Cashback applies even when paying mobile, DTH, and broadband bills.
• 1% fuel surcharge waiver on spends between ₹400–₹5,000.
• Cashback can also offset EMIs or flight ticket redemptions.

IDFC FIRST Classic Credit Card

• Issued by: IDFC FIRST Bank
• Annual / Joining Fee: ₹0 (Lifetime Free)
• Card Network: Mastercard / Visa
• Category: Rewards, Utilities, Everyday Spends
• Eligibility: Minimum income ₹20,000 (salaried) / ₹25,000 (self-employed)

IDFC FIRST Classic Credit Card is a lifetime free card designed for regular monthly expenses like electricity, broadband, and phone bill payments.

It gives 1.5x reward points on every ₹100 spent on utility bills and 3x on online transactions. There’s no annual fee, no joining fee, and reward points never expire.

It also offers a long 48-day interest-free period, helping users manage multiple household bills easily.

Why IDFC FIRST Classic credit card for utility bill payments?

• 1.5× reward points on all utility bill payments.
• Lifetime free card with no hidden or renewal charges.
• Long 48-day interest-free period ideal for monthly bill cycles.

Hidden benefits most people miss:

• Reward points valid for flight bookings and statement credits.
• Discounts on movie tickets and dining at select outlets.
• Free roadside assistance and insurance cover included by default.

SBI SimplyCLICK Credit Card

• Issued by: State Bank of India (SBI)
• Annual / Joining Fee: ₹499 + GST (Waived on ₹1 lakh annual spends)
• Card Network: Visa
• Category: Online Rewards, Utilities, Digital Payments
• Eligibility: Minimum income ₹20,000 (salaried) / ₹35,000 (self-employed)

SBI SimplyCLICK credit card offers 5x reward points on online bill payments, shopping, and mobile recharges through partner platforms like Amazon, Myntra, and BookMyShow.

For all other online and offline spends, you earn 1 reward point per ₹100 spent. The annual fee is easily waived with modest yearly spending, making it a smart pick for monthly bill payers.

Why this card for utility bill payments?

• Earn 5x reward points on online bill payments and recharges.
• Rewards you for using platforms like Amazon Pay, Paytm, and FreeCharge.
• Easy annual fee waiver on ₹1 lakh yearly spends.

Hidden benefits most people miss:

• Bonus 2,000 reward points on joining and first ₹2,000 spend.
• Fuel surcharge waiver at all petrol stations in India.
• Reward points can be redeemed for flight tickets, gift vouchers, or bill payments.

How to Pay Utility Bills with Credit Cards? 

Paying utility bills using a credit card is easy now. You get more control over monthly payments and utility expenses.

It’s a smart way to earn cashback on utility bills or reward points while managing bills you already pay.

Direct Payments to Utility Providers

Paying directly through your provider’s website or app is the simplest way. Most support credit cards for electricity bills, water, gas, or broadband bills.

Before paying, check what your card issuer charges as a processing fee or renewal fee. Also, don’t forget to check your provider’s MCC code to see if it's eligible for extra rewards or cashback beforehand. 

Using Payment Apps and Wallets

Apps like Google Pay and Airtel Thanks App simplify utility bill payments. You can link your credit card and pay for mobile recharges, electricity bills, and internet connections in one place.

You get direct cashback, not points, which keeps things simple. Auto-credited cashback helps you hit your monthly cap and easily track other spends.

Setting Up Auto-Pay for Hassle-Free Payments

Your utility providers or payment apps let you schedule recurring bill payments via credit card. Set up auto-pay for convenience. 

This way, you can be sure every bill is paid on or before the due date. So, no late fee. You’ll still earn rewards and earn cashback. 

Maximizing Cashback and Reward Points the Smart Way

• Focus on Utility Spends First. If you’re already using a credit card account for utility payments, you can optimize cashback on utility bill categories by planning your maximum spends under each monthly capping limit.
• Small Steps, Big Rewards. Focus your utility spending on cards that offer auto credit cashback every statement cycle. Choose cards that offer additional benefits, such as partner vouchers or complimentary lounge access. That gives a better reward rate.

Frequently Asked Questions 

1. Which HDFC Bank credit card is best for utility payments?The HDFC Bank Millennia Credit Card gives earn cashback and reward points for online payments and essential expenses like fuel expenses and utility spends.

2. What kind of reward structure should I look for?Choose cards with simple reward structures, clear reward rate, and auto credited cashback instead of confusing rewards programs or accumulated reward points.

3. Do these cards offer any partner or merchant benefits?Yes, top cards include partner merchants and partner brands like Amazon Pay or Airtel Services, which offer maximum cashback on utility bill payments.