Introduction

Utility bills such as electricity, gas, and water are regular, essential expenses that we all incur every month. Since utility payments are recurring, it's possible to earn rewards and cashback on these payments as well.

SaveSage has curated a list of the best credit cards for utility bill payments. These credit cards allow you to save on your regular expenses, whether it's for gas, electricity, or water bills. Not all credit cards offer rewards for utility payments, so it's wise to choose the ones that do and make the most of these savings.

Best Cashback Cards for Utility Bill Payments

We’ve carefully selected cards from leading issuers based on two key factors: the ability to earn cashback on utility bill payments, and affordability for a wide range of users. Let’s dive into the best credit cards for utility bill payments.

Card Name	Annual Fees	Annual Fee Waiver	Cashback on Utility Bill	Cashback Value	Maximum Capping
Axis Airtel	₹500 + GST	₹2 Lakhs	10% cashback on gas, electricity, and water bills via Airtel Thanks App	Direct cashback against statement	₹250 per month (maximum spends of ₹2,500)
Axis Neo	₹250 + GST (Lifetime free for select channels)	Not Applicable	5% off on mobile recharge, broadband payment, and DTH recharge done through Paytm	Instant discount	₹150 per month (minimum transaction to avail is ₹299)
SBI Cashback	₹999 + GST	₹2 Lakhs	Buy an Amazon Pay voucher from Maximize Money and later pay utility bills through Amazon Pay. This way you will get 5% cashback (working as of now)	Direct cashback against statement	₹5,000 per month (including online and offline spends)
Tata Neu Infinity	₹1,499 + GST	₹3 Lakhs	5% back as NeuCoins on utility bills	Direct cashback in NeuCoins Wallet	2,000 NeuCoins per month (maximum spends of ₹40,000)
Axis Ace	₹499 + GST	₹2 Lakhs	5% cashback on electricity, water, gas, LPG and broadband, DTH and mobile recharges through Google Pay	Direct cashback against statement	₹500 per month (maximum spends of ₹10,000)
ICICI Amazon Pay	No Annual Fees	Not Applicable	2% back on bill payments and recharges made via Amazon	Direct cashback in Amazon Pay Wallet	No limits on capping

Best Credit Cards for Utility Bill Payments

There are various cards through which you can earn accelerated points and far better rewards and benefits than cashback credit cards.

The key difference between the cards listed above and the ones below is that the former are cashback credit cards, offering discounts up to a certain percentage. In contrast, the cards listed below earn reward points, which can be redeemed through various options.

Card Name	Annual Fees	Annual Fee Waiver	Reward Points on Utility Bill	Reward Points Value	Maximum Capping
ICICI Emerald Private Metal	₹12,499 + GST	₹10 Lakhs	6 RPs for every ₹200 spent (3% reward rate)	1RP = Varies from ₹0.4 to ₹1	1,000 RPs per month (maximum spends of ₹33,300)
HDFC Infinia Metal	₹12,500 + GST	₹10 Lakhs	5 RPs per ₹150 spent (3.3% reward rate)	1RP = Varies from ₹0.3 to ₹1	2,000 RPs per month (maximum spends of ₹60,000)
Amex Credit Card	Varies from card to card	Varies from card to card	Use any Amex credit card and buy Amazon Pay voucher from Amex Gyftr to earn accelerated points	1MR = Varies from ₹0.3 to ₹1	₹10,000 using Amex Gyftr for Amazon Pay voucher per month
Standard Chartered Ultimate	₹5000 + GST	Not Applicable	3 RPs on every ₹150 spent (2% reward rate)	1RP = ₹1	No limits on capping
HDFC Regalia Gold	₹2,500 + GST	₹4 Lakhs	4 RPs on every ₹150 spent (2.67% reward rate)	1RP = Varies from ₹0.2 to ₹0.65	50,000 RPs per month

Conclusion

When choosing credit cards for utility bill payments, it’s important to compare the reward structure and fees offered by different card issuers to ensure that they align with your financial goals. Additionally, it’s crucial to use the card responsibly and pay the balance in full each month to maximize its benefits and build a healthy credit score.

At SaveSage, we’re enabling our users to optimise their credit card rewards and loyalty programs! No jargon or confusing statements; just clear, actionable insights when you need them most!

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