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 42 credit cards (including 11 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
Airtel Axis Bank Credit Card
25.0% effective earn on utility bills
Airtel Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
25% on utilities
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
ICICI HPCL Super Saver Credit Card
Annual Fee
₹500
Headline Rate
5% on fuel
Axis Bank ACE Credit Card
Annual Fee
₹499
Headline Rate
5% on utilities
Central Bank of India SBI Card Prime
Annual Fee
₹2,999
Headline Rate
10x on dining
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
20x on utilities
PSB SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
20x on utilities
IndianOil HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on fuel
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Headline Rate
3% on groceries
AU Altura Credit Card
Annual Fee
₹199
Headline Rate
2% on groceries
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
3.5% on fuel
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
6.67x on dining
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12,500
Headline Rate
33.33x 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
Delhi Metro SBI Card
Annual Fee
₹499
Headline Rate
2.5x on dining
HDFC Regalia Gold Credit Card
Annual Fee
₹2,500
Headline Rate
12.5x on online
Axis Bank Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
7% on online
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 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
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
IRCTC SBI Card Premier
Annual Fee
₹1,499
Headline Rate
10x on travel
SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2.5x on dining
IDFC FIRST Select Credit Card
Annual Fee
Free
Headline Rate
5x on dining
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
5x on dining
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
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