Best Utility Bill Payment Credit Cards in India 2026
Most cards exclude utility payments from rewards — these are the ones that still earn on bills and recharges. We compared 55 credit cards (including 12 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
HSBC Live+ Credit Card
10.0% effective earn on utility bills
HSBC Live+ Credit Card
Annual Fee
₹999
Headline Rate
10% on dining
ICICI HPCL Super Saver Credit Card
Annual Fee
₹500
Headline Rate
0% on fuel
Super Value Titanium Credit Card
Annual Fee
₹750
Headline Rate
5% on fuel
AU Xcite Ace Credit Card
Annual Fee
₹749
Headline Rate
3% on online
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
IndianOil HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on fuel
AU Altura Credit Card
Annual Fee
₹199
Headline Rate
2% on groceries
HPCL Energie BOBCARD
Annual Fee
₹499
Headline Rate
1.33x on fuel
IDFC FIRST Power+ Credit Card
Annual Fee
₹499
Headline Rate
5x on fuel
Kotak Biz Edge Credit Card
Annual Fee
₹999
Headline Rate
5x on utilities
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
Equitas Selfe Credit Card
Annual Fee
₹1,000
Headline Rate
3.5x on dining
ICICI Emeralde Private Metal Credit Card
Annual Fee
₹12,499
Headline Rate
3x on groceries
ICICI HPCL Coral Credit Card
Annual Fee
₹199
Headline Rate
0% on fuel
Airtel Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on utilities
CRED IndusInd Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on online
HDFC Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Headline Rate
3.33x on dining
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12,500
Headline Rate
3.33x on travel
Times Black ICICI Bank Credit Card
Annual Fee
₹20,000
Headline Rate
2x on utilities
American Express Gold Card
Annual Fee
₹4,500
Headline Rate
2x on utilities
Utkarsh Wish Credit Card
Annual Fee
Free
Headline Rate
3x on utilities
IRCTC SBI Card Premier
Annual Fee
₹1,499
Headline Rate
0.8x on travel
IDFC FIRST LIC Classic Credit Card
Annual Fee
Free
Headline Rate
4.8x on insurance
HDFC Regalia Gold Credit Card
Annual Fee
₹2,500
Headline Rate
2.5x on online
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Headline Rate
3x on groceries
Axis Bank Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
7% on online
IDFC FIRST EA₹N Credit Card
Annual Fee
₹499
Headline Rate
1% on other
Elite+ Credit Card
Annual Fee
₹999
Headline Rate
6x on online
Ultimate Credit Card
Annual Fee
₹5,000
Headline Rate
2x on utilities
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
PSB SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
J&K Bank Platinum Credit Card
Annual Fee
₹500
Headline Rate
2x on online
ICICI Emeralde Credit Card
Annual Fee
₹12,000
Headline Rate
4x on travel
ICICI Platinum Chip Credit Card
Annual Fee
Free
Headline Rate
1x on utilities
ICICI Expressions Credit Card
Annual Fee
₹499
Headline Rate
1x on utilities
ICICI Bank Coral Credit Card
Annual Fee
₹500
Headline Rate
1x on utilities
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3,500
Headline Rate
4x on other
ICICI Rubyx Credit Card
Annual Fee
₹2,000
Headline Rate
1x on utilities
AU Zenith Credit Card
Annual Fee
₹7,999
Headline Rate
5x on dining
AU NOMO Credit Card
Annual Fee
Free
Headline Rate
1x on utilities
AU Xcite Credit Card
Annual Fee
₹249
Headline Rate
15x on dining
ACE Credit Card
Annual Fee
₹499
Headline Rate
4x on online
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
6.67x on other
IDFC FIRST Diamond Reserve Credit Card
Annual Fee
₹3,000
Headline Rate
6.67x on other
IDFC FIRST WOW! Black Credit Card
Annual Fee
₹750
Headline Rate
2.67x on travel
SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
IDFC FIRST Select Credit Card
Annual Fee
Free
Headline Rate
5x on dining
IndiGo IDFC FIRST Dual Credit Card
Annual Fee
₹4,999
Headline Rate
3x on travel
IDFC FIRST Private Credit Card
Annual Fee
₹25,000
Headline Rate
3.33x on travel
IDFC FIRST Ashva Credit Card
Annual Fee
₹2,999
Headline Rate
0.833x on travel
IDFC FIRST Mayura Credit Card
Annual Fee
₹5,999
Headline Rate
0.833x on travel
IDFC FIRST Millennia Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
IDFC FIRST Classic Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
IDFC FIRST WOW! Credit Card
Annual Fee
Free
Headline Rate
0.5x on travel
Popular Utility Bills Card Comparisons
Explore Credit Cards by Feature
Browse Credit Cards by Bank
Find My Best Card By Spending
This list is ranked for a typical spender. Enter your own numbers and we rank every card for you.
Head-to-Head Card Comparison
Compare any two cards on exact net value based on your monthly spending profile.
Credit Card EMI Calculator
Calculate interest, GST, and processing charges when converting purchases to EMI.
Balance Transfer Calculator
Compute interest saved by moving high-cost credit card debt to a lower rate lender.