Best credit cards for utility bills in October 2026

26. HDFC Diners Club Privilege ₹720
27. Paytm HDFC Bank Select ₹720
28. HDFC Bank Millennia ₹720
29. BOBCARD Etihad Guest ₹720
30. Kotak Zen Signature ₹599
31. IDBI Bank Royale Signature ₹540
32. IDBI Bank LIC Lumine ₹540
33. BOBCARD Eterna ₹540
34. IDBI Bank Euphoria World ₹540
35. BOBCARD Tiara ₹540
36. Marriott Bonvoy HDFC Bank ₹479
37. IndianOil HDFC Bank Credit Card ₹461
38. IndusInd Platinum ₹432
39. IndusInd Platinum RuPay ₹432
40. IRCTC SBI Card Premier ₹1,728 · Ranked lower: includes points worth full value only in one app
41. IndusInd Legend ₹403
42. IndusInd Pinnacle World ₹403
43. IndusInd Duo ₹360
44. CRED IndusInd Bank RuPay Credit Card ₹720 · Invite only · Ranked lower: includes points worth full value only in one app
45. BOBCARD Premier ₹360
46. HDFC Bank UPI RuPay ₹360
47. IndianOil Kotak Credit Card ₹360
48. IDFC FIRST HPCL Power+ ₹360
49. IDBI Bank Winnings ₹360
50. Kotak NRI Royale Signature ₹360
51. Axis Bank Cashback ₹360
52. SBI Card ELITE ₹360
53. IndusInd Avios Visa Infinite ₹360
54. IDBI Bank Aspire Platinum ₹240
55. HPCL ENERGIE BOBCARD ₹240
56. IDFC FIRST HPCL Power ₹239
57. MakeMyTrip ICICI Bank Platinum ₹360 · Ranked lower: includes points worth full value only in one app
58. ixigo AU ₹360 · Ranked lower: includes points worth full value only in one app
59. Federal Bank Celesta ₹180
60. ICICI Bank Platinum Chip Credit Card ₹180
61. YES FinBooster RuPay ₹180
62. YES Bank anQ Pi ₹180
63. YES BANK RuPay Virtual ₹180
64. AU LIT Credit Card ₹180
65. AU Prathama Credit Card ₹180
66. AU Bank NOMO Credit Card ₹180
67. ICICI Bank HPCL Coral Credit Card ₹180
68. SimplyCLICK SBI Card ₹180
69. AU Altura Plus Credit Card ₹180
70. HDFC Bank MoneyBack+ ₹180
71. AU Tejas Credit Card ₹180
72. BPCL SBI Card OCTANE ₹180
73. IndiGo IDFC FIRST Dual Credit Card ₹180
74. AU Bank Traverse Credit Card (NRI) ₹180
75. CUB SalarySe Level UP Virtual ₹144
76. CUB SalarySe Level UP ₹144
77. IDFC FIRST WOW! Black ₹120
78. IDFC FIRST Diamond Reserve ₹120
79. IDFC FIRST Ashva ₹192 · Ranked lower: includes points worth full value only in one app
80. IDFC FIRST Mayura ₹240 · Ranked lower: includes points worth full value only in one app
81. EazyDiner IndusInd Platinum ₹101
82. IDFC FIRST WOW! ₹90
83. IDFC FIRST Select ₹90
84. IDFC FIRST Millennia ₹90
85. IDFC FIRST Classic ₹90
86. IDFC FIRST Wealth ₹90
87. PhonePe SBI Card SELECT BLACK ₹7,200 · Invite only
88. Unity Bank BharatPe Credit Card ₹1,440
89. PhonePe HDFC Bank Uno ₹1,440
90. ICICI Bank HPCL Super Saver ₹1,440
91. SpiceJet Axis Bank Voyage Black ₹1,080
92. YES Bank BYOC (Rewards) ₹720
93. SpiceJet Axis Bank Voyage ₹540
94. YES Bank Wellness Plus ₹540
95. YES Bank RESERV ₹540
96. IndusInd Bank Nexxt Credit Card ₹384
97. Standard Chartered EaseMyTrip ₹360
98. YES Bank Wellness ₹360
99. IDFC FIRST EA₹N ₹360
100. IRCTC BOBCARD ₹360
101. YES Essence ₹360
102. YES Bank ELITE+ ₹360
103. SBI Card PULSE ₹360
104. IDBI Bank Imperium Platinum ₹240
105. Apollo SBI Card SELECT ₹324 · Ranked lower: includes points worth full value only in one app
106. Kotak UPI RuPay ₹216
107. Kotak League Platinum ₹193
108. ICICI Bank Expressions ₹180
109. YES Bank ACE ₹180
110. ICICI Bank Coral ₹180
111. ICICI Bank Coral against FD ₹180
112. Kotak 811 Credit Card ₹180
113. YES Bank SELECT ₹180
114. ICICI Bank NRI Coral ₹180
115. ICICI Bank Rubyx ₹180
116. ICICI Bank Rubyx against FD ₹180
117. ICICI Sapphiro ₹180
118. ICICI Bank NRI Sapphiro ₹180
119. ICICI Bank Emeralde ₹180
120. IndusInd Platinum Aura Edge ₹144
121. Adani One ICICI Bank Platinum ₹360 · Ranked lower: includes points worth full value only in one app
122. Adani One ICICI Bank Signature ₹360 · Ranked lower: includes points worth full value only in one app
123. HDFC Bank Freedom ₹54
124. Reliance SBI Card PRIME ₹360 · Ranked lower: includes points worth full value only in one app
125. AU Ananta ₹180
126. AU Vetta ₹180
127. AU Zenith+ ₹180
128. AU Zenith ₹180
129. Axis Bank PRIMUS ₹3,600 · Invite only
130. Air India SBI Signature Card ₹2,880 · Closed to new applicants
131. HDFC Infinia Metal ₹2,398 · Invite only
132. ICICI Emeralde Private Metal ₹2,160 · Invite only
133. YES Private ₹1,800 · Invite only
134. Club Vistara SBI Card PRIME ₹1,440 · Closed to new applicants
135. DBS Altitude ₹1,440 · Invite only
136. Standard Chartered Beyond ₹1,440 · Invite only
137. DBS Vantage ₹1,440 · Invite only
138. Club Vistara SBI Card ₹1,080 · Closed to new applicants
139. Paytm SBI Card ₹720 · Not confirmed on sale
140. Flipkart Axis Bank Super Elite ₹720 · Issuing paused
141. Swiggy HDFC Bank Credit Card ₹720 · Closed to new applicants
142. Amex Gold Charge ₹720 · Issuing paused
143. Paytm SBI Card SELECT ₹720 · Not confirmed on sale
144. Axis Bank Signature ₹720 · Closed to new applicants
145. HDFC Regalia ₹720 · Closed to new applicants
146. SBI AURUM ₹720 · Invite only
147. IndusInd Pioneer Heritage ₹576 · Invite only
148. IndusInd PIONEER Private ₹504 · Invite only
149. IndusInd Pioneer Legacy ₹403 · Invite only
150. IndusInd Iconia Amex ₹376 · Closed to new applicants
151. YES First Preferred ₹360 · Closed to new applicants
152. Kotak Privy League Signature ₹360 · Closed to new applicants
153. KVB SBI Platinum Card ₹360 · Not confirmed on sale
154. South Indian Bank SBI Platinum Card ₹360 · Not confirmed on sale
155. KVB SBI Signature Card ₹360 · Not confirmed on sale
156. Indus Solitaire ₹278 · Invite only
157. IndusInd Indulge ₹252 · Invite only
158. Kotak Royale Signature ₹239 · Closed to new applicants
159. AU Xcite Credit Card ₹180 · Invite only
160. Chennai Super Kings ICICI Bank ₹180 · Closed to new applicants
161. AU Xcite Ultra Credit Card ₹180 · Invite only
162. OneCard Metal ₹144 · Issuing paused
163. IndusInd Celesta ₹137 · Invite only
164. IndusInd Crest ₹137 · Invite only
165. IDFC FIRST Private ₹480 · Invite only · Ranked lower: includes points worth full value only in one app
166. IDFC FIRST Gaj ₹480 · Invite only · Ranked lower: includes points worth full value only in one app

Your electricity bill earns nothing on this card — No points · "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table · bank-wide — AND the issuer charges: RBL also levies a 1% fee on utility spend past ₹50,000 a month (11): RBL Bank Patanjali Swarn , RBL Signature Banking , RBL Aspire Banking , RBL Platinum Maxima Plus , RBL Platinum Maxima , RBL Apex , IRCTC RBL Bank Credit Card , TVS Credit RBL Bank Gold , RBL Bank Blockbuster , TVS Credit RBL Bank , RBL Bank Black .

Your electricity bill earns nothing on this card — The whole 4800–4999 "Utilities & Telecom" range earns nothing — AND the issuer charges: a 1% utility fee also applies above ₹25,000 cumulative in a cycle (4): CUB SRH Master Platinum , CUB CSK RuPay Platinum , CUB SRH RuPay Platinum , CUB SRH Master World .

Your electricity bill earns nothing on this card — No Jewels on "Utility bill payments (electricity; gas; etc.)" (Edge / Edge+ T&C) (3): Edge CSB Bank RuPay Credit Card , Edge+ CSB Bank RuPay Credit Card , Edge+ CSB Bank Mastercard Credit Card .

Your electricity bill earns nothing on this card — MCC 4900/4814/4899/9399 · full exclusion · no partial earn (3): SBI Card MILES PRIME , SBI Card MILES ELITE , SBI Card MILES .

Your electricity bill earns nothing on this card — Named on the ineligible list as 'Utility Payments (Electricity; Telephone; Internet; Water etc)' · zero cashback (3): Utkarsh Eternal Credit Card , Utkarsh Rhodium Credit Card , Utkarsh SmartGen Credit Card .

Your electricity bill earns nothing on this card — Zero points and no milestone credit (MCC 4900) — AND the issuer charges: a 1% fee on utility spends above ₹50,000 a month (3): RBL Bank Shoppers Stop Black , RBL Bank Shoppers Stop Platinum , RBL Bank Shoppers Stop Gold .

Your electricity bill earns nothing on this card — No points · "Utilities" (MCC 4900) on the product page's two stacked exclusion footnotes · bank-wide — AND the issuer charges: RBL also levies a 1% fee on utility spend past ₹50,000 a month (3): RBL World Plus , RBL World Prime , RBL World Max .

Your electricity bill earns nothing on this card — "Utility bill payment" · named in the post-merger list (3): Axis Bank Vistara Infinite Credit Card , Axis Bank Vistara Signature Credit Card , Axis Bank Vistara Credit Card .

Your electricity bill earns nothing on this card — "Utility/Telecom" in the published no-earn list (2): Kotak Air+ , Kotak Air .

Your electricity bill earns nothing on this card — Zero · utilities are named in the product page's eligible-spend definition (2): Axis Miles & More World Select , Axis Miles & More World .

Your electricity bill earns nothing on this card — Zero reward points · utilities head HSBC's exclusion table · Only MCC 4900 is named · so 4899 and 4816 are outside the exclusion… (2): HSBC Platinum , HSBC RuPay Platinum .

Your electricity bill earns nothing on this card — Zero BluChips · in SBI's published exclusion list (2): IndiGo SBI Card ELITE , IndiGo SBI Card .

Your electricity bill earns nothing on this card — "Utility Services (Including Telecom)" in the card's published exclusion list (2): IndiGo Axis Bank Premium Credit Card , IndiGo Axis Bank Credit Card .

Your electricity bill earns nothing on this card — Zero miles (official card-page exclusion list) (2): Emirates Skywards ICICI Bank Emeralde , Emirates Skywards ICICI Bank Sapphiro .

Your electricity bill earns nothing on this card — Utilities in the published exclusion list (2): IndiGo Kotak Credit Card , IndiGo Kotak Premium Credit Card .

Your electricity bill earns nothing on this card — No points · "Utilities" (MCC 4900) on the product page's own dated exclusion footnote · bank-wide — AND the issuer charges: RBL also levies a 1% fee on utility spend past ₹50,000 a month (2): RBL Platinum Edge , RBL Platinum LifeEasy .

Your electricity bill earns nothing on this card — No EDGE REWARD Points on utilities (MCC 4814/4816/4899/4900) (2): Axis Bank My Wings , Axis Bank Platinum .

Your electricity bill earns nothing on this card — Named in the card's own EDGE REWARD Points T&C as a category that earns nothing (2): Axis Bank Pride Platinum , Axis Bank Pride Signature .

Your electricity bill earns nothing on this card — Zero reward points w.e.f · 15 Apr 2024 · per the card's own T&C earn table (2): ICICI Bank Parakram , ICICI Bank Parakram Select .

Your electricity bill earns nothing on this card — the MITC's table separately caps utility points at 150 a statement cycle (2): YES PaisaSave , YES PaisaSave RuPay .

Your electricity bill earns nothing on this card — CUB excludes the whole 4800–4999 range under "Utilities & Telecom" · which covers 4900 utilities · 4899 cable and 4816 computer… — AND the issuer charges: A 1% utility transaction fee also applies above ₹25,000 of cumulative utility… (2): CUB CSK Master Platinum , CUB CSK Master World .

Your electricity bill earns nothing on this card — Same as Magnus (1): Axis Magnus for Burgundy .

Your electricity bill earns nothing on this card — "Utilities" in the official Excluded Merchant Categories list (Olympus T&C §4) · corrected from full · 2026-07-22 (1): Axis Olympus .

Your electricity bill earns nothing on this card — No EDGE RP on utilities (CardInsider) (1): Axis Burgundy Private .

Your electricity bill earns nothing on this card — 'Utility & Telecom' zero since 20-Apr-2024 (1): Axis Magnus .

Your electricity bill earns nothing on this card — "Utilities" in the official rbl.bank.in exclusion list (1): RBL Nova .

Your electricity bill earns nothing on this card — MCC 4900 (note: 4899/4816 NOT listed; cable/other-utility MCCs technically earn; edge case) (1): HSBC TravelOne .

Your electricity bill earns nothing on this card — "Utility/Telecom" MCC 4812/4814/4899/4900 earn nothing and are excluded from the waiver count — AND the issuer charges: 1% fee above ₹75,000 of utility spend a statement cycle (1): Kotak Air+ Prime .

Your electricity bill earns nothing on this card — Zero miles · MCC 4900 · 4814 · 4899 · 9399 in the T&C's exclusion table (1): KrisFlyer SBI Card APEX .

Your electricity bill earns nothing on this card — 'Utility & Telecom' zero (1): Axis Bank Reserve .

Your electricity bill earns nothing on this card — MCC 4814/4816/4899/4900 zero (1): Axis Horizon .

Your electricity bill earns nothing on this card — MCC 4900/4812/4814/4816/4899 zeroed w.e.f · 27-Feb-2026 (official devaluation notice) — AND the issuer charges: 1% fee past ₹50k/month (1): Scapia (Federal Bank) .

Your electricity bill earns nothing on this card — Zero Scapia Coins on "utility transactions" (T&C 4.3) — AND the issuer charges: a 1% fee past ₹25,000 of utilities a statement period (product page) (1): Scapia (Axis Bank) .

Your electricity bill earns nothing on this card — 'Utility & Telecom' named in the 20-Jun-2025 T&C exclusion list — AND the issuer charges: 1% utility fee above ₹25,000/cycle (1): Axis Bank SELECT .

Your electricity bill earns nothing on this card — Zero w.e.f · 11 Oct 2025 · "utility transactions outside the Amazon platform will not be eligible for any Reward Points" (1): Amazon Pay ICICI Bank .

Your electricity bill earns nothing on this card — No Niyo Coins on utilities (rewards T&C) (1): Niyo Global SBM Credit Card .

Your electricity bill earns nothing on this card — Zero Air Miles · official Utility/Telecom MCC table (4812; 4814; 4899; 4900) · corrected from full · 2026-07-22 (1): Kotak Solitaire .

Your electricity bill earns nothing on this card — MCC 4900 (4814/4816/4899 not listed; same narrow-utilities quirk as HSBC) (1): RBL World Safari .

Your electricity bill earns nothing on this card — Named in §3.4(d) as ineligible to earn (1): RBL World Safari Lite .

Your electricity bill earns nothing on this card — No points · "Utilities" (MCC 4900) on the T&C's own §3.4(c) exclusion sentence · bank-wide — AND the issuer charges: RBL also levies a 1% fee on utility spend past ₹50,000 a month (1): RBL World Safari Plus .

Your electricity bill earns nothing on this card — Utilities are on the published no-earn list — AND the issuer charges: a 1% fee also applies to cumulative utility spends of ₹25,000+ a statement cycle (1): Axis Bank Privilege .

Your electricity bill earns nothing on this card — Utility spends do not count towards White Pass milestones since 1 June 2025 — AND the issuer charges: the KFS adds a 1% fee on utility spend above ₹75,000 a cycle (1): Kotak White .

Your electricity bill earns nothing on this card — No per-swipe points · flag) (1): Kotak White Reserve .

Your electricity bill earns nothing on this card — so the spend still counts toward the ₹30,000 — AND the issuer charges: 1% fee above ₹25,000 of utility spend a statement period (1): IndianOil Axis Bank Premium .

Your electricity bill earns nothing on this card — Zero miles · in SBI's published exclusion list (1): KrisFlyer SBI Card .

Your electricity bill earns nothing on this card — Named verbatim in the MITC's rewards exclusion list (1): BOBCARD Uni GoldX .

Your electricity bill earns nothing on this card — Zero coins ("Utilities – Electric; Gas; Heating Oil; Sanitary; Water") · and unlike the YES Rewardz cards there is no reduced… (1): YES Bank Zagg Credit Card .

Your electricity bill earns nothing on this card — ICICI utility bucket → zero · community mapping · flag (1): MakeMyTrip ICICI Bank .

Your electricity bill earns nothing on this card — "Utility & Telecom" earn nothing and are excluded from the milestone count — AND the issuer charges: 1% fee above ₹25,000 of utility spend a statement cycle (1): Axis Bank My Zone .

Your electricity bill earns nothing on this card — "Utility and certain telecom" · the T&C's own hedged wording · quoted rather than tidied (1): Axis Bank REWARDS .

Your electricity bill earns nothing on this card — Zero EDGE REWARD Points on utilities · MCC 4814/4816/4899/4900 (Samsung Signature T&C; read via search extract) (1): Samsung Axis Bank Signature .

Your electricity bill earns nothing on this card — "Utility Services" is an excluded MCC category — AND the issuer charges: a 1% fee also applies above ₹25,000 of utility spend a statement cycle (1): Flipkart Axis Bank Credit Card .

Your electricity bill earns nothing on this card — Zero points · you pay to spend · and earn nothing for it. — AND the issuer charges: Also a 1% fee once utility spend passes ₹25,000 in a statement cycle (1): Axis Bank NEO .

Your electricity bill earns nothing on this card — SBI's MITC charges 1% on the whole cycle's utility spend (MCC 4900) once it passes ₹50,000 · so utilities on this card cost 1%… (1): Titan SBI Card .

Your electricity bill earns nothing on this card — Zero cashback on MCC 4900 · 4814 · 4816 · 4899 and 9399 — AND the issuer charges: A separate 1% Utility Payment Fee also applies once utility spends pass… (1): CASHBACK SBI Card .

Your electricity bill earns nothing on this card — "Utility Services" earn nothing (1): Axis Bank SuperMoney RuPay .

Your electricity bill earns nothing on this card — Utilities earn nothing on this card (1): Kotak Cashback+ .

Your electricity bill earns nothing on this card — Utilities earn nothing (1): Kotak Cashback+ Prime .

Your electricity bill earns nothing on this card — the category is not on the 20 Jun 2025 earn-exclusion list — AND the issuer charges: A 1% fee applies above ₹25,000 of utility spend a statement cycle (1): Axis Bank Freecharge .

Your electricity bill earns nothing on this card — No EDGE REWARD Points on utilities (1): Axis Bank My Zone Easy .

Your electricity bill earns nothing on this card — Utility payments earn no EDGE REWARD Points (1): Axis Bank Titanium Smart Traveller .

Your electricity bill earns nothing on this card — Zero RP · "Utilities" on the page's exclusion list · Bills2Pay added 15-Oct-2024 — AND the issuer charges: 1% fee past ₹50,000 a month (Schedule of Charges) (1): RBL BankBazaar SaveMax Pro .

Your electricity bill earns nothing on this card — Zero RP and no milestone credit · "Utilities" (MCC 4900) · with Bills2Pay named separately — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL Movies and More .

Your electricity bill earns nothing on this card — and 1% + GST above ₹25,000 of cumulative utility spend a statement period (1): IndianOil Axis Bank Credit Card .

Your electricity bill earns nothing on this card — Zero points · named in the rewards catalogue's clause 12 even though the product page does not mention it — AND the issuer charges: a 1% fee also applies above ₹25,000 a cycle (1): LIC Axis Bank Platinum .

Your electricity bill earns nothing on this card — No cashback on utilities (MITC exclusions) (1): Utkarsh superCard .

Your electricity bill earns nothing on this card — "Utilities" on the T&C's excluded list and "Utility & Telecom" in the June 2025 restatement · zero points — AND the issuer charges: A 1% fee applies once utility spend passes ₹25,000 in a cycle (1): Axis Bank Shoppers Stop Credit Card .

Your electricity bill earns nothing on this card — Zero RP · "Utilities" (MCC 4900) is excluded from earn and from the waiver bar · and RBL's own Bills2Pay service is named… — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL Platinum Delight .

The issuer's own documents disagree about this card's utility earn — we won't rank a number we can't settle — The benefit table promises 25 RP/₹100 on utility bills, capped at 500 RP a month (≈₹2,000 of billed spend) · Every value surface… (1): RBL Platinum ShopGain .

Your electricity bill earns nothing on this card — Zero RP and no milestone credit · "Utilities" (MCC 4900) · with Bills2Pay named separately in both lists — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL Patanjali Vishisht .

Your electricity bill earns nothing on this card — Zero RP and no waiver credit · "Utilities" (MCC 4900) — AND the issuer charges: 1% fee past ₹50,000 of utility spend a month (MITC) (1): RBL Bank SalarySe UP .

Your electricity bill earns nothing on this card — Zero RP and no milestone credit · "Utilities" (MCC 4900) · with Bills2Pay struck separately — AND the issuer charges: 1% fee past ₹50,000 of utility spend a month (MITC) (1): RBL Bank DMI Finance .

Your electricity bill earns nothing on this card — No cashback · "Utilities" (MCC 4900) · with "Bills2Pay" listed as a separate row… — AND the issuer charges: 1% fee past ₹50,000 of utility spend a month (MITC) (1): RBL Paisabazaar Duet .

Your electricity bill earns nothing on this card — Zero benefit · "Utilities" (MCC 4900) · with Bills2Pay struck separately — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL Cookies .

Your electricity bill earns nothing on this card — RBL also charges 1% on aggregate utility spend past ₹50,000 a month per card (MITC) (1): RBL Platinum Max .

Your electricity bill earns nothing on this card — Zero RP since 13-Nov-2023 · "Utilities" (MCC 4900) · RBL's own Bills2Pay service is excluded separately — AND the issuer charges: 1% fee past ₹50,000 of utility spend a month (MITC) (1): RBL Platinum Prime .

Your electricity bill earns nothing on this card — No cashback · "Utilities" (MCC 4900) · with "Bills2Pay" a separate row — AND the issuer charges: 1% fee past ₹50,000 of utility spend a month (MITC) (1): RBL Paisabazaar Duet Plus .

The issuer's own documents disagree about this card's utility earn — we won't rank a number we can't settle — AU headlines 2% cashback on utility bill payments, capped at ₹50 a statement cycle (₹2,500 of spend), while the note below it… (1): AU Altura Credit Card .

Your electricity bill earns nothing on this card — Zero RP · "Utilities" (MCC 4900) · excluded from earn and from the waiver · Bills2Pay named separately — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL Shoprite .

Your electricity bill earns nothing on this card — No EDGE REWARDS · utilities are on Axis's exclusion list for the IndianOil line (1): IndianOil Easy Axis Bank .

Your electricity bill earns nothing on this card — MCC 4900 · "Electric · Gas · Sanitary and Water Utilities" · earns no cashback (1): Suryoday SFB RuPay Platinum .

Your electricity bill earns nothing on this card — MCC 4900 earns no cashback (1): Suryoday SFB RuPay Select .

Your electricity bill earns nothing on this card — Zero RP since 13-Nov-2023 · "Utilities" (MCC 4900) · and the 12-RP online tier excludes utility spend by name too · so paying a… — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL Binge .

Your electricity bill earns nothing on this card — No POPCoins on utility bills (1): YES Bank POP-CLUB .

Your electricity bill earns nothing on this card — "Utilities" are named in the exclusion prose (1): Paisabazaar Paisa Plus Credit Card .

Your electricity bill earns nothing on this card — "Utility Payment · 4900" (1): Paisabazaar Step-Up SBM Credit Card .

Your electricity bill earns nothing on this card — Zero RP · "Utilities" (MCC 4900) on the original list · with Bills2Pay added 15-Oct-2024 — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL BankBazaar SaveMax .

Your electricity bill earns nothing on this card — No Fuel Points · "Utilities" (MCC 4900) on the T&C's §3.7 exclusion table (1): IndianOil RBL Bank Credit Card .

Your electricity bill earns nothing on this card — No Fuel Points · "Utilities" (MCC 4900) on the T&C's §3.8 exclusion table (1): IndianOil RBL Bank XTRA Credit Card .

Your electricity bill earns nothing on this card — and FinBooster is absent from the MITC's utility-capping table · consistent with nothing to cap (1): YES Bank FinBooster .

Your electricity bill earns nothing on this card — Zero RP · "Utilities" (MCC 4900) in the first footnote · Bills2Pay excluded from 15-Oct-2024 — AND the issuer charges: 1% fee past ₹50,000 a month (MITC) (1): RBL Platinum Choice .

Your electricity bill earns nothing on this card — Zero RP · "Utilities" (MCC 4900) in the first footnote · Bills2Pay excluded separately from 15-Oct-2024 — AND the issuer charges: a 1% fee past ₹50,000 a month (MITC) (1): RBL Platinum Plus .

Your electricity bill earns nothing on this card — "No Cashback to be earned on Utility & Wallet Spends for BYOC Cashback card" (MITC) (1): YES Bank BYOC (Cashback) .

Your electricity bill earns nothing on this card — Zero RP since 13-Nov-2023 · "Utilities" (MCC 4900) — AND the issuer charges: with Bills2Pay excluded separately and a 1% fee past ₹50,000 a month (MITC) (1): RBL Platinum Advantage .

Your electricity bill earns nothing on this card — No KIWIS on utilities · 4900 · 4899 · 4816 and the cable/telecom codes (Annexure-I) (1): PNB Kiwi .

The issuer's own documents disagree about this card's utility earn — we won't rank a number we can't settle — The benefit table promises 8 RP per ₹400 (2 RP/₹100) on Bill Payment · Every value surface here credits the card's base rate… (1): RBL EasySaver .

The issuer's own documents disagree about this card's utility earn — we won't rank a number we can't settle — CONTRADICTED ON THE ISSUER'S OWN PAGE, exactly as on EasySaver: the benefit grid promises 8 RP per ₹400 (2 RP/₹100) on Bill… (1): RBL MyFirst .

The issuer's own documents disagree about this card's utility earn — we won't rank a number we can't settle — CONFLICT: Jul-2021 MR notice said 1/₹50 capped 10k/month (1): Amex Platinum Travel .

Your electricity bill earns nothing on this card — Official FAQ: Platinum earns NO MR on utilities (1): Amex Platinum Charge .

The issuer's own documents disagree about this card's utility earn — we won't rank a number we can't settle — Jul-2021 notice had said 1/₹50 capped 10k/month (1): Amex Membership Rewards Card .

Your electricity bill earns nothing on this card — Official: no MR on utilities (1): Amex Platinum Reserve .

Your electricity bill earns nothing on this card — 27-Feb-2026 (Scapia devaluation notice) — AND the issuer charges: 1% fee past ₹50k/month (1): Scapia (BOBCARD) .

Your electricity bill earns nothing on this card — Zero Membership Rewards points on utilities (Amex's SmartEarn page) (1): Amex SmartEarn .

Your electricity bill earns nothing on this card — 4814/4816/4899/4900 · zero since 20-Apr-2024 (1): Axis Atlas .

Your electricity bill earns nothing on this card — No earn rule published for this card — AND the issuer charges: a 1% fee applies to utility spends above ₹50,000 in a calendar month (1): HDFC Harley-Davidson Diners Club .

Your electricity bill earns nothing on this card — Zero Miles w.e.f · 15 Jan 2026 · quoted verbatim in the MITC (1): Emirates Skywards ICICI Bank Rubyx .

Your electricity bill earns nothing on this card — utilities earn the base 2 RP/₹100 (1): Air India SBI Platinum Card .

Your electricity bill earns nothing on this card — No Reward Points · MCC 4900 · and separately no points for anything paid through RBL's own Bills2Pay facility (1): RBL Bank novio .

Your electricity bill earns nothing on this card — No Reward Points · MCC 4900 (1): RBL vCard .

• 1 Sep 2024 HDFC caps utility, telecom and cable rewards HDFC Bank
• 1 Aug 2024 HDFC adds 1% fees on rent, big utility and third-party education HDFC Bank
• 20 Apr 2024 Axis ACE utility bills stop earning anywhere but Google Pay Axis Bank
• 3 Jan 2024 Axis Vistara card cuts CV Points on govt and utility spends Axis Bank
• 12 Oct 2019 Citi India guts reward earning on utilities, insurance, and tax Citibank India
• 1 Mar 2015 Amex India cuts Membership Rewards on fuel and utility bills American Express

START WITH THE NEGATIVE, because it is the finding: 141 of the 307 whose utility rule we hold earn EXACTLY NOTHING on an electricity, water or gas bill — they are named under the table with the clause that zeroes them. 2 cards tie at the top of the 166 that earn anything — HSBC Live+ and PhonePe HDFC Bank Ultimo — on ₹7,200 a year at ₹6,000 a month of bills (₹72,000 a year). HSBC Live+ gets there on 10.00% on a utility bill. Its rate is bounded — 10% accelerated cashback, hard-capped at ₹1,200 a month… — and at ₹6,000 a month that bound does not bind. AND 68 OF THE RANKED CARDS CHARGE YOU TO PAY THE BILL — a 1% levy above a threshold each issuer sets for itself. It is quoted verbatim on every row that carries one and it is NOT netted out of the ₹, because the same clause means a transaction on one card and a statement cycle on the next.

166 of the 990 Indian personal cards we track are ranked here. 147 are listed unranked with the computed reason — pays nothing on a utility bill — or no number we will stand behind — because a card we can't rank honestly gets named, not hidden. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

The records behind this board — the card records this ranks and the utilities rules in our fine-print records — carry re-verification dates from 1 Jun 2026 to 26 Oct 2026; the ranking is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

27 of the 166 ranked here are lifetime free. The best on ₹/yr at ₹6,000/mo of bills is IndusInd Tiger at ₹720. This board's top is a 2-way tie at ₹7,200 — HSBC Live+ (₹999/yr) and PhonePe HDFC Bank Ultimo (₹999/yr) — and the gap to ₹720 is what the fee buys.