Bill payment management is extremely critical to control a personal finance budget for 2025. Knowing how to manage billing with a credit card would not only ease the payments but also afford the advantage of being attributed some reward points and cash back. However, some credit cards do not reward you for paying utility bills. Here, we have attached a list of the best credit cards available in India to be used for payments of utility services and related features, including joining fees, main offerings, annual fees, and benefits.
Top Credit Cards for Utility Bill Payments in India 2025
Airtel Axis Bank Credit Card
Joining Fee: Rs 500 + GST
Annual Fee: Rs 500 + GST
Key Features & Benefits:
Cashback on Airtel Services: 25% cashback on Airtel mobile, DTH, and broadband bill payments made through the Airtel Thanks app.
Cashback on Utility Bills: 10% cashback on water, gas, and other utility bill payments through the Airtel Thanks app.
Partner Merchant Benefits: 10% cashback on transactions wherein Zomato, Swiggy, or BigBasket is involved.
Lounge Access: Four complimentary domestic airport lounge visits per annum.
Fuel Surcharge Waiver: A one percent waiver on fuel transactions of anything between Rs 400 and Rs 4,000.
Axis Bank ACE Credit Card
Joining Fee: Rs 499 + GST
Annual Fee: Rs 499 + GST
Key Features & Benefits:
Cashback on Utility Payments: 5% cashback on bill payments and recharges made through Google Pay.
Cashback on Dining and Ride-Sharing: 4% cashback on spends at Swiggy, Zomato, and Ola.
Universal Cashback: 1.5% unlimited cashback on all other spends.
Lounge Access: 4 complimentary domestic lounge visits per year upon spending Rs 50,000 in the previous quarter.
Fuel Surcharge Waiver: 1% waiver on fuel transactions between Rs 400 and Rs 4,000.
Tata Neu Infinity HDFC Bank Credit Card
Joining Fee: Rs 1,499 + GST
Annual Fee: Rs 1,499 + GST
Key Features & Benefits:
NeuCoins on Tata Brands: 5% NeuCoins on all non-EMI spends at Tata Neu and its partner brands.
Universal NeuCoins: 1.5% NeuCoins on all other spends.
Welcome Benefit: 1,499 NeuCoins upon activation.
Lounge Access: 4 complimentary domestic airport lounge visits annually.
Fuel Surcharge Waiver: 1% waiver on fuel transactions between Rs 400 and Rs 5,000.
Amazon Pay ICICI Bank Credit Card
Joining Fee: Nil
Annual Fee: Nil
Key Features & Benefits:
Cashback on Amazon: 5% cashback for Amazon Prime members; 3% for non-Prime members on Amazon.in spends.
Cashback on Utility Payments: 2% cashback on utility bill payments and recharges.
Universal Cashback: 1% cashback on all other spends.
Fuel Surcharge Waiver: 1% waiver on fuel transactions.
No Expiry: Cashback is credited as Amazon Pay balance with no expiry date.
HDFC Bank Regalia Gold Credit Card
Joining Fee: Rs 2,500 + GST
Annual Fee: Rs 2,500 + GST
Key Features & Benefits:
Reward Points on Spends: 4 reward points for every Rs 150 spent on utility bill payments.
Milestone Benefits: Earn 10,000 reward points on annual spends of Rs 5,00,000.
Lounge Access: 12 complimentary domestic airport lounge visits annually.
Fuel Surcharge Waiver: 1% waiver on fuel transactions.
Comprehensive Insurance: Air accident cover of Rs 1 crore and emergency medical cover of up to Rs 15 lakhs.
| Credit Card | Annual Fee | Value Back Rate On Utility Spends | Benefits |
| Airtel Axis Bank Credit Card | Rs 500 + GST | 10% cashback on Airtel Thanks app | – 25% cashback on Airtel recharges & bills- 10% cashback on utility bills via Airtel Thanks app- 10% cashback on Swiggy, Zomato, BigBasket |
| Tata Neu Infinity HDFC Bank Credit Card | Rs 1,499 + GST | 5% as NeuCoins on Tata Neu app | – 10% back as NeuCoins on Tata brand purchases via Tata Neu app- Complimentary lounge access |
| Amazon Pay ICICI Bank Credit Card | Nil | 2% cashback via Amazon Pay | – 5% cashback on Amazon for Prime members (3% for non-Prime)- 2% cashback on partner merchants via Amazon Pay- 1% cashback on all other spends |
| HDFC Bank Regalia Gold Credit Card | Rs 2,500 + GST | 1.33% as reward points | – Complimentary domestic & international lounge access- Travel & lifestyle privileges- 5X reward points on travel & dining |
| Axis Bank ACE Credit Card | Rs 499 + GST | 5% cashback via Google Pay | – 5% cashback on utility bill payments & recharges via Google Pay- 4% cashback on Swiggy, Zomato, and Ola- 2% unlimited cashback on all other spends |
Frequently Asked Questions (FAQs)
1. Which credit card is giving the highest cashback for utility bill payments?
The Airtel Axis Bank Credit Card is giving a cashback of 10% on utility bill payments via the Airtel Thanks App. This makes it one of the best credit cards for utilitarian payments.
2. Are there any credit cards available that do not charge annual fees to pay the utility bills?
Yes, the Amazon Pay ICICI Bank Credit Card is one of the no-annual-fee options, allowing a 2% cashback on utility bill payments made via Amazon Pay.
3. Can I pay the electricity bill using a credit card?
Yes, you can use credit cards to pay for electricity, water, gas, mobile recharges, and broadband bills through applications like Google Pay, Paytm, PhonePe, or the Airtel Thanks app.
4. Is there an extra charge if I want to pay utility bills with my credit card?
It mainly depends on the payment platform and credit card provider, as banks and bill payment platforms might incur one-time processing charges around the range of 1-2% for a credit card payment processing fee.
5. What is the best way to maximize rewards on utility bill payments?
Use reward or cashback cards with the highest cashback rates as Minutes out of Hours Credit Card.
Payments shall be done via referrals through partner apps like Google Pay and Amazon Pay.
Choose a card that has no capping on your bills.
6. Can I set up an auto-pay option via credit card for my utility bills?
Yes, the installation of an auto-pay option via net banking or mobile application for timely payments from your bank can avoid late fees.
Paying your utility bills with a credit card is not just about convenience—it’s also a smart way to earn cashback, rewards, and exclusive benefits. Whether you prioritize high cashback (Airtel Axis Bank Credit Card, Axis Bank ACE Credit Card), zero annual fee (Amazon Pay ICICI Bank Credit Card), or premium lifestyle perks (HDFC Bank Regalia Gold Credit Card), there’s a card that fits your needs.
When choosing a credit card for utility bill payments, consider the cashback rate, annual fee, capping limits, and payment platforms to maximize your savings. By using the right card and setting up auto-pay, you can ensure timely payments while enjoying great rewards.
