#1
Best for · Bill Payments
Best Credit Card for Utility Bills in India (2026)
Axis ACE returns 5% on Google Pay bill payments (electricity, mobile, DTH) up to ₹500/mo. SBI SimplySAVE 5x reward on utility bill payments.
Utility bills are concentrated, predictable monthly spends — ideal for 5%-cashback cards. Axis ACE leads at 5% on Google Pay bill payments (capped ₹500/mo). HDFC MoneyBack+ Senior 2x on grocery + utility. SBI SimplySAVE 5x reward (~1.25% effective) on utility bill payments. For ₹10K/month bill stack, the right card returns ₹6K/year.
Typical spend in this category: ₹5,000–15,000/month
Why these specific cards
Axis ACE: 5% on Google Pay-routed bill payments up to ₹500/mo cap. HDFC MoneyBack+ Senior: 2x reward on utilities = ~2% effective. SBI SimplySAVE: 5x reward on utility bill payments = 1.25% effective.
Reward math example
On ₹10K/mo utility bills via Axis ACE through Gpay: ₹500/mo back (5% cap hit) = ₹6K/yr. Compare to 1% flat card returning ₹100/mo = ₹1.2K/yr. The cap-bound 5% wins comfortably for typical Indian bill volumes.
Top 3 cards for bill payments
Curated picks based on category-specific reward rates and fit. See our rating methodology for how we evaluate.
#2
#3
What to evaluate before picking
- Google Pay routing for Axis ACE 5% (most users already use Gpay for bills)
- Cap structure (₹500/mo on Axis ACE means concentrated bills above ₹10K hit the cap)
- Auto-pay reliability for predictable recurring spend