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Bills & Utilities

Best Bills & Utilities credit cards in India

Bills and utilities credit cards in India earn a stated reward on utility, phone, internet or other recurring bill payments.

*a card is filed here when the issuer's own page says, in a sentence about this card, that utility or recurring bill payments earn a stated rate. A menu link, a footnote or a line about another card does not count. A card that surcharges or excludes bill payments, an introductory or time-limited rate, and a list of everyday spends that all earn the base rate never file a card here. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports).

13
Bills & Utilities cards filed
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The ledger

All Bills & Utilities cards in India

13 cards
Axis Bank№ 1

Airtel Axis Bank Credit Card

Get Amazon eVoucher worth ₹250 on first transaction made within first 30 days of card issuance.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 2

Axis Bank ACE Credit Card

Visa card issued by Axis Bank.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 4

BizFirst Credit Card

Visa card issued by HDFC Bank.

Bills & UtilitiesBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 5

BizGrow

Visa card issued by HDFC Bank.

Bills & UtilitiesBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 6

BizPower Credit Card

Get Amazon Prime membership or Rs. 1500 Amazon Voucher on 1 Tax (IT,GST) or Travel or Ads(Meta Ads, Google Ads) transaction in first 30 days of card issuance.

Bills & UtilitiesBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
Axis Bank№ 7

Cashback Credit Card

Enjoy EDGE Reward points worth ₹1000 upon first transaction within 30 days of card issuance.

Bills & UtilitiesCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
HDFC Bank№ 10

IndianOil HDFC Bank Credit Card

INR 250 worth of voucher upon card activation and completion of at least one transaction within 37 days from card issuance date

Bills & UtilitiesGas & Fuel
Annual fee₹500per year
Top earn rateNot confirmed
LIC Cards Services№ 11

LIC Classic Credit Card

Visa card issued by LIC Cards Services.

Bills & UtilitiesLounge Access
Annual fee₹0per year
Top earn rateNot confirmed
Standard Chartered India№ 12

Standard Chartered Beyond Credit Card

INR 15,000 Get Welcome Vouchers on payment of joining fee

Bills & UtilitiesLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best bills & utilities credit card in India?

The best bills & utilities card in India depends on your spending and goals. We list every bills & utilities card we hold — 13 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a bills & utilities credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a bills & utilities card with other cards?

Yes. Many people pair a bills & utilities card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these bills & utilities card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.