Best Credit Card for Bill Payments in India (2026)
5% on electricity, broadband, and mobile bills — if you know the right card.
Utility bills are unavoidable monthly spending — electricity, broadband, mobile recharge, gas, water, insurance premiums. The right card turns this mandatory spending into meaningful rewards.
At ₹12,000/month in bills, the difference between 1% and 5% is ₹5,760/year. Here's which cards maximize bill payment rewards.
All cashback figures below are calculated at ₹12,000/month spend in this category, using our cap-aware calculator that accounts for monthly limits and fallback rates.
Our Picks
5% on utility bills via Google Pay. Electricity, broadband, mobile, DTH, gas, water — all at 5%. ₹500/mo cap = first ₹10K earns 5%, rest drops to 1.5%. Still the best option by far.
5% up to ₹10,000/mo, then 0% (no cashback). Cap: ₹500/mo on accelerated categories
Lifetime free. 3% on utilities (electricity, water, gas). No cap specified. If your bills exceed ₹10K/mo (ACE's cap), AU LIT handles the overflow at 3%.
5x on your highest spending category. If utilities are your top spend, OneCard auto-gives 5% on all bills. Lifetime free, no cap.
If you pay bills through online portals (not in-person), SBI Cashback gives 5% as online transaction. ₹5,000/cycle cap (changing April 2026).
Cap: ₹5000/mo (you're under it)
Important: the 5% only works when paying via Google Pay. Direct bank/biller payments earn 1.5%. Always route utility bills through GPay for the 5% rate.
5% up to ₹10,000/mo, then 0% (no cashback). Cap: ₹500/mo on accelerated categories
Axis ACE via Google Pay is the undisputed winner for bill payments. First ₹10K/month at 5% = ₹500/month = ₹6,000/year. Pair with AU LIT (free, 3%) for bills above the ₹10K cap. Route ALL bills through GPay.
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Does Axis ACE give 5% on all bill payments?+
Only when paid through Google Pay. Direct payments to billers earn the base 1.5% rate. The 5% is specifically for utility bill payments routed through GPay.
What counts as a utility bill?+
Electricity, water, gas, broadband, mobile postpaid, DTH, and landline. Insurance premiums and rent usually don't qualify as utility payments.
Is there a cap on Axis ACE's 5% bill payments?+
Yes — ₹500/month total cashback on accelerated categories. At 5%, that means first ₹10,000 in bills earns 5%. Everything above earns the base 1.5%.