Best Credit Card for Utility Bills in India (2026)
Your monthly bills can earn up to 5% cashback — most people earn 0%.
Electricity, water, broadband, gas, DTH — recurring monthly bills add up to ₹5,000-10,000 for most households. Yet most credit cards give 0-1% on utility payments. Some even exclude utilities entirely.
One card changes this equation dramatically — and it works through a payment method you're already using.
All cashback figures below are calculated at ₹6,000/month spend in this category, using our cap-aware calculator that accounts for monthly limits and fallback rates.
Our Picks
5% on bill payments via Google Pay. Electricity, broadband, water, DTH, gas — all qualify. The ₹500/month accelerated cap means optimal bill spend is ₹10,000/month on bills+food combined.
Cap: ₹500/mo (you're under it)
5% on all online transactions (excluding utilities, insurance, rent, education, etc.). The ₹5,000/cycle cap (reducing to ₹4,000 with ₹2,000 online sub-cap from April 2026) still offers strong value for diverse online shoppers.
Cap: ₹4000/mo (you're under it)
Even after hitting the ₹500 accelerated cap, ACE's 1.5% base on utility bills is above average. Most cards give 0%.
Cap: ₹500/mo (you're under it)
Axis ACE is the definitive bills card — 5% via Google Pay on all utility payments. At ₹6K/month in bills, that's ₹300/month or ₹3,600/year. Pay your bills through GPay with ACE linked, and you're earning real money on expenses you can't avoid.
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Does the 5% work on all bill types?+
Most utility bills paid through Google Pay qualify — electricity, water, broadband, DTH, piped gas. The bill must be paid using Axis ACE linked to Google Pay.
Why Google Pay specifically?+
Axis ACE's 5% on bills is a Google Pay partnership. Paying the same bill through Paytm, PhonePe, or the biller's website earns the base 1.5% rate instead.
What about rent payments?+
Rent payments via credit card are typically processed through third-party platforms that charge 1-2% fees. The cashback often doesn't offset the fee. We don't recommend paying rent via credit card unless the math works in your specific case.