Spends · category 04 of 15
Which credit cards still earn on Utilities — September 2026
Of the 1119 cards on the desk, 275 publish a rule for utilities — and 7 of those pay ABOVE the card's own normal rate here, against 50 at full rewards. The rest: 41 capped, 54 at a reduced rate, 121 earn nothing, 2 can't do it at all. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for utilities spends in India?
Axis Bank PRIMUS (Axis Bank) pays 5.00% on utilities — the best rate of any card with a published rule here. 275 cards publish one, 121 of which earn nothing at all.
Open to everyone: HDFC Diners Club Black Metal (HDFC Bank) pays 3.33% on utilities for ₹10,000/yr — the best rate of any card you can actually apply for, whatever the fee.
On a budget: BOBCARD Etihad Guest Premium (BOBCARD (Bank of Baroda)) pays 2.00% on utilities for ₹5,000/yr or less, and it's open to apply.
Lifetime-free: Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on utilities for ₹0, open to apply.
MCC 4900, 4899, 4816 · 275 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of utilities returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 Axis Bank PRIMUS
No utilities carve-out in the T&C
5.00% full earn - 02 HDFC Infinia Metal
5 RP/₹150 up to 2,000 RP/month (≈₹60k spend) since 1-Sep-2024; 1% fee on utility txns >₹50k (1-Jul-2025)
3.33% capped up to a monthly cap — see the rule - 03 HDFC Diners Club Black Metal
5 RP/₹150 up to 2,000 RP/month since 1-Sep-2024; 1% fee >₹50k txn
3.33% capped up to a monthly cap — see the rule
Every card with a published rule
275 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| Axis Bank ACE Axis Bank | accelerated | 1.50% | 5% through Google Pay on Android and ZERO on every other platform since 20 Apr 2024; the 5% shares a ₹500-per-statement cap with the 4% category, and a 1% fee applies above ₹25,000 of utility spend a cycle |
| Axis Bank Freecharge Plus Axis Bank | accelerated | 1.00% | 5% when the bill is paid inside the Freecharge app; ZERO when it is paid anywhere else. A separate 1% fee applies above ₹25,000 of utility spend a cycle |
| AU Altura Credit Card AU Small Finance Bank | accelerated | 1.00% | CONTRADICTED ON THE ISSUER'S OWN PAGE. AU headlines 2% cashback on utility bill payments, capped at ₹50 a statement cycle (₹2,500 of spend), while the note below it excludes BBPS transactions from cashback from 1-Apr-2024 — and BBPS is how most Indian utility bills are paid. A biller paid directly, off BBPS, appears to earn the 2%. AU's MITC adds a 1% fair-usage fee on utility spend past ₹50,000 a month |
| Airtel Axis Bank Credit Card Axis Bank | accelerated | 1.00% | 10% cashback on gas, electricity and other utility bills paid through the Airtel Thanks app, capped at ONCE the base cashback earned in the same statement month — a ceiling in units this desk does not convert, so it is quoted and the rung is not priced; the same bill paid anywhere else earns the 1% base cashback, which has no cap |
| RBL Platinum ShopGain RBL Bank | accelerated | 0.25% | CONTRADICTED ON THE ISSUER'S OWN PAGE. The benefit table promises 25 RP/₹100 on utility bills, capped at 500 RP a month (≈₹2,000 of billed spend). The exclusion footnote on the same page puts Utilities (MCC 4900) among the categories that "will not earn reward points". Every value surface here credits the card's normal 1 RP/₹100 rather than the headline, and RBL charges 1% on utility spend past ₹50,000 a month regardless (MITC) |
| RBL MyFirst RBL Bank | accelerated | 0.06% | CONTRADICTED ON THE ISSUER'S OWN PAGE, exactly as on EasySaver: the benefit grid promises 8 RP per ₹400 (2 RP/₹100) on Bill Payment while the 15-Oct-2024 footnote excludes "Bills2pay", RBL's own bill rail (transaction codes 71 and 72). Utilities (MCC 4900) is named in neither footnote. Value surfaces credit the base rate, not the headline; 1% fee past ₹50,000 of utility spend a month (MITC) |
| RBL EasySaver RBL Bank | accelerated | 0.06% | CONTRADICTED ON THE ISSUER'S OWN PAGE. The benefit table promises 8 RP per ₹400 (2 RP/₹100) on Bill Payment; the 15-Oct-2024 footnote on the same page says transactions on "Bills2pay" are not eligible — Bills2Pay being RBL's own bill-payment facility in the MyBank app and internet banking, keyed on transaction codes 71 and 72. Utilities (MCC 4900) itself is named in neither footnote, so a utility bill paid at the biller rather than through Bills2Pay may well earn. Every value surface here credits the card's base rate rather than the headline, and RBL charges a 1% fee on utility spend past ₹50,000 a month regardless (MITC) |
| Axis Bank PRIMUS Axis Bank | full earn | 5.00% | No utilities carve-out in the T&C |
| Air India SBI Signature Card SBI Card | full earn | 3.20% | Utility bills earn the 4 points per ₹100 base — absent from the exclusion list. SBI's MITC still charges 1% on the whole cycle's utility spend (MCC 4900) once it passes ₹50,000 in a billing cycle |
| YES Private YES Bank | full earn | 2.50% | The MITC prints "No capping" against this row and no cap is published on utility spend — YES Private is the only card in the MITC's utility reward-point table with no ceiling at all, against 150 on Select and Essence and 300 on Elite+. At 20 Reward Points per ₹200 that is the loosest utility earn YES publishes; the 1% utility fee only starts once last month's utility spend passed ₹1,00,000, four times the ₹25,000 trigger every other variant carries |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | full earn | 2.00% | Utility MCC 4900 is NOT on the official Annexure-1 list — earns 2 miles/₹100; 1% fee on utility txns ≥₹50k (cap ₹3,000/txn) still applies (official MITC) |
| DBS Vantage DBS Bank India | full earn | 2.00% | NOT on the published closed exclusion list (fuel/wallet/duty-free/rent) — relaxed from excluded, inferred from closed list, flag, 2026-07-22 |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%, uncapped — no ceiling of the kind HDFC, ICICI and Axis all impose on a month's utility spend, because Unity publishes no category ceilings at all |
| Club Vistara SBI Card PRIME SBI Card | full earn | 1.60% | Utility bills accrue at the base rate — absent from the exclusion list. SBI's MITC still charges 1% on the whole cycle's utility spend (MCC 4900) once it passes ₹50,000 in a billing cycle |
| SpiceJet Axis Bank Voyage Black Axis Bank | full earn | 1.50% | ACCELERATED: online utility bill payment (MCC 4900) earns 12 SC/₹200 = 3%, double the base. Axis-wide 1% utility fee above ₹25k/cycle |
| ixigo AU AU Small Finance Bank | full earn | 1.25% | Not on the exclusion list — earns base 2.5 RP/₹100 (inferred from absence, flag) |
| Club Vistara SBI Card SBI Card | full earn | 1.20% | Utility bills accrue at the base rate — absent from the exclusion list, though SBI's MITC charges 1% on the whole cycle's utility spend (MCC 4900) past ₹50,000 in a billing cycle |
| BOBCARD Etihad Guest BOBCARD (Bank of Baroda) | full earn | 1.00% | Utilities are absent from Annexure 1, so they earn 1 mile per ₹100 — but a 1% processing fee applies once a utility transaction reaches ₹50,000 |
| IDBI Bank LIC Eclat Select IDBI Bank | full earn | 1.00% | 4 Delight Points per ₹100 (1.0%), the best base rate IDBI pays — utilities (4900, 4899, 4816) appear nowhere on the MITC's sixteen-code exclusion annexure |
| SBI AURUM SBI Card | full earn | 1.00% | Base 4 RP/₹100 (community, flag — verify against AURUM T&C) |
| HDFC Bank Millennia HDFC Bank | full earn | 1.00% | Earns the 1% bucket — Millennia's own T&C carries none of the 2,000-point utility caps its Freedom sibling does; a 1% fee applies only to a single utility transaction above ₹50,000, capped ₹3,000 |
| Flipkart SBI Card SBI Card | full earn | 1.00% | Utility bills earn the 1% base — they are absent from both the prose exclusion list and the MCC table. SBI's MITC still charges 1% on the whole cycle's utility spend (MCC 4900) once it passes ₹50,000 in a billing cycle, which exactly cancels the 1% earned |
| Paytm SBI Card SELECT SBI Card | full earn | 1.00% | Utility bills earn the 1% base, or 2% paid inside the Paytm app — absent from both exclusion lists. SBI's MITC still charges 1% on the whole cycle's utility spend (MCC 4900) past ₹50,000, which exactly cancels the base earn |
| Paytm SBI Card SBI Card | full earn | 1.00% | Utility bills earn the 1% base, or 2% inside the Paytm app; SBI's MITC charges 1% on the whole cycle's utility spend (MCC 4900) past ₹50,000, which cancels the base earn outright |
| Marriott Bonvoy HDFC Bank HDFC Bank | full earn | 0.86% | Earns base 2 pts/₹150 — community consensus; not on HDFC's generic exclusion list because card has its own program |
| IRCTC SBI Card Premier SBI Card | full earn | 0.80% | NOTABLE: utilities earn the accelerated 3 RP/₹125 (2.4%) as one half of the 'dining & utilities' pair in the official earn structure |
| IndusInd Pioneer Heritage IndusInd Bank | full earn | 0.80% | Base 1 RP/₹100 (community, flag) |
| Flipkart Axis Bank Super Elite Axis Bank | full earn | 0.80% | Not excluded — base 2 SuperCoins/₹100 |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | full earn | 0.75% | Core 3 RP/₹100 applies — utilities are NOT in Annexure 1 — but §1.2 expressly bars MCC 4900 from the accelerated bucket, and a utility transaction of ₹50,000 or more carries a 1% processing fee capped at ₹3,000 |
| IDBI Bank Euphoria World IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — utilities (4900, 4899, 4816) appear nowhere on the MITC's sixteen-code exclusion annexure |
| IDBI Bank Royale Signature IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — utilities (4900, 4899, 4816) appear nowhere on the MITC's sixteen-code exclusion annexure |
| SpiceJet Axis Bank Voyage Axis Bank | full earn | 0.75% | ACCELERATED: online utility bill payment (MCC 4900) earns 6 SC/₹200 = 1.5%, double the base |
| IndusInd Platinum IndusInd Bank | full earn | 0.60% | Earns the normal rate, but the MITC adds a 1% fee plus GST on cumulative utility spends above ₹25,000 in a statement cycle |
| IndusInd Platinum RuPay IndusInd Bank | full earn | 0.60% | Earns the normal rate; the MITC adds a 1% fee plus GST on cumulative utility spends above ₹25,000 in a statement cycle |
| IndusInd Bank Nexxt Credit Card IndusInd Bank | full earn | 0.53% | The card's ordinary 1 Reward Point per ₹150 — the revision that cut utility bill payments to 0.70 RP per ₹100 elsewhere names Nexxt as exempt |
| IDBI Bank Winnings IDBI Bank | full earn | 0.50% | 2 Delight Points per ₹100 (0.5%) — utilities (4900, 4899, 4816) appear nowhere on the MITC's sixteen-code exclusion annexure |
| SBI Card ELITE SBI Card | full earn | 0.50% | Utility bills earn the 2 points per ₹100 base — absent from the register's exclusion list. SBI's MITC still charges 1% on the whole cycle's utility spend (MCC 4900) once it passes ₹50,000, which at 0.5% is a net loss |
| MakeMyTrip ICICI Bank Platinum ICICI Bank | full earn | 0.50% | ₹1 myCash per ₹200, the ordinary domestic rate: the T&C's non-qualifying list is closed and names no utility exclusion, and the MITC's utility cap table does not list this variant. A 1% fee still applies to utility spend above ₹50,000 a cycle. |
| BOBCARD Premier BOBCARD (Bank of Baroda) | full earn | 0.50% | Core 2 RP/₹100 applies — utilities are NOT in Annexure 1 — but §1.2 bars MCC 4900 from the accelerated bucket, and a utility transaction of ₹50,000 or more carries a 1% processing fee capped at ₹3,000 |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.50% | Earns base 2 RP/₹100 — no published exclusion, flag |
| SBI Card PULSE SBI Card | full earn | 0.50% | Utility bills earn the 2 points per ₹100 base — absent from the register's exclusion list, though SBI's MITC charges 1% on the whole cycle's utility spend past ₹50,000 |
| Standard Chartered EaseMyTrip Standard Chartered | full earn | 0.50% | Earns base 2 RP/₹100 — no published exclusion, flag |
| Reliance SBI Card PRIME SBI Card | full earn | 0.50% | Utility bills earn the 2 points per ₹100 base — absent from the exclusion list. SBI's MITC still charges 1% on the whole cycle's utility spend (MCC 4900) past ₹50,000 in a billing cycle, which at 0.5% is a net loss |
| IndianOil Kotak Credit Card Kotak Mahindra Bank | full earn | 0.50% | Base 3 Reward Points per ₹150; the KFS charges 1% once cumulative utility spend passes ₹35,000 in a statement cycle |
| IndusInd Duo IndusInd Bank | full earn | 0.50% | The card's ordinary 1 Reward Point per ₹150 — IndusInd's revision that cut utility bill payments to 0.70 RP per ₹100 elsewhere on the shelf is "not applicable for … IndusInd Bank Duo Card" |
| KVB SBI Signature Card SBI Card | full earn | 0.50% | Utility bills earn the 2 points per ₹100 base; SBI's MITC still charges 1% on the whole cycle's utility spend past ₹50,000 |
| KVB SBI Platinum Card SBI Card | full earn | 0.50% | Utility bills earn the 2 points per ₹100 base; the MITC's 1% utility fee past ₹50,000 a cycle still applies |
| South Indian Bank SBI Platinum Card SBI Card | full earn | 0.50% | Utility bills earn the 2 points per ₹100 base; the MITC's 1% utility fee past ₹50,000 a cycle still applies |
| Kotak Privy League Signature Kotak Mahindra Bank | full earn | 0.50% | Base 2 RP/₹100 — not on the 5X accelerated plan (community, flag) |
| Apollo SBI Card SELECT SBI Card | full earn | 0.45% | Utility bills earn the base rate — named in none of the four exclusion clauses. SBI's MITC still charges 1% on the whole cycle's utility spend (MCC 4900) past ₹50,000 in a billing cycle |
| BPCL SBI Card OCTANE SBI Card | full earn | 0.25% | Utility bills earn the 1 point per ₹100 base — the card's exclusion list does not name them. SBI's MITC does charge 1% on the WHOLE cycle's utility spend (MCC 4900) once it passes ₹50,000 in a billing cycle, which at a 0.25% earn is a four-fold net loss |
| SimplyCLICK SBI Card SBI Card | full earn | 0.25% | Utility bills earn the base rate, but SBI's own clause (c) excludes bills paid through the SBI Card website or app from the 5X online multiplier |
| HDFC Bank MoneyBack+ HDFC Bank | full earn | 0.25% | Earns the base rate, but a single utility transaction above ₹50,000 carries a 1% fee capped at ₹3,000 from 1 Aug 2024 |
| Kotak811 Dream Different Kotak Mahindra Bank | full earn | 0.25% | Earns the normal rate, with a 1% fee on cumulative utility spends above ₹35,000 in a statement cycle — the lowest of the RCAS's three thresholds |
| IndusInd Platinum Aura Edge IndusInd Bank | full earn | 0.20% | Home Plan: electricity bills pay 1.4 savings points per ₹100, cut from 2.5 on 1-Aug-2019 but still nearly three times the card's 0.5 base. Shop, Travel and Party plans are exempt from the revision and pay the 0.5 base. 1% fee on utility spend above ₹25,000 a cycle either way |
| OneCard Metal OneCard (issued via partner banks) | full earn | 0.20% | Earns base 1 RP/₹50 (OneCard earns on utilities, rare) — community, flag |
| Axis Bank Signature Axis Bank | full earn | 0.20% | No published reward exclusion — but a 1% fee applies on cumulative utility spends of ₹25,000 or more a statement cycle (w.e.f. 20 Dec 2024) |
| HDFC Infinia Metal HDFC Bank | capped | 3.33% | 5 RP/₹150 up to 2,000 RP/month (≈₹60k spend) since 1-Sep-2024; 1% fee on utility txns >₹50k (1-Jul-2025) |
| HDFC Diners Club Black Metal HDFC Bank | capped | 3.33% | 5 RP/₹150 up to 2,000 RP/month since 1-Sep-2024; 1% fee >₹50k txn |
| ICICI Emeralde Private Metal ICICI Bank | capped | 3.00% | Confirmed 1,000 RP/category/statement-cycle cap (about ₹33,333 of utility spend) — verified directly on ICICI's product page 2026-07-14; the 2,000 RP alternative does not check out, flag resolved |
| HSBC Premier (Metal) HSBC | capped | 3.00% | MCC 4900 — earns 3/₹100 up to the ₹1L/month combined bucket (the 'earns on utilities' pitch is real, but the cap is shared with 10 other categories); HSBC publishes no split of that ceiling, so none of it belongs to utilities alone |
| DBS Altitude DBS Bank India | capped | 2.00% | MCC 4814, 4816, 4899, 4900 share ONE 1,200 Vantage Points a month ceiling with telecom (≈₹60,000 of combined spend) |
| ICICI Times Black ICICI Bank | capped | 2.00% | 2% up to the 5,000 RP/cycle cap bucket (official page + FAQ) shared with insurance, education and government; ICICI publishes no split of that ceiling, so none of it belongs to utilities alone |
| HDFC Regalia Gold HDFC Bank | capped | 1.63% | 5 RP/₹200 post-15-May-2026 up to 2,000 RP/month since 1-Sep-2024 — about ₹80,000 of utility spend |
| Tata Neu Infinity HDFC Bank HDFC Bank | capped | 1.50% | Capped at 2,000 NeuCoins a month at the 1.5% everything-else rate — 1.5 NeuCoins per ₹100, since 1 NeuCoin is ₹1 — about ₹1,33,333 of utility spend a month (HDFC's own product page lists the cap); utility bill-pay via the Tata Neu app earns 5% (community) |
| Tata Neu Infinity SBI Card SBI Card | capped | 1.50% | Capped at 2,000 NeuCoins a month; telecom and cable carry their own separate 2,000 cap |
| HSBC Live+ HSBC | capped | 1.50% | MCC 4900 (Utilities) earns 10%, inside the same shared ₹1,200-a-month accelerator cap |
| Equitas PowerMiles Equitas Small Finance Bank | capped | 1.50% | Earns but capped at 2,000 RP/month (published cap); corrected from full, 2026-07-22 |
| HDFC Diners Club Privilege HDFC Bank | capped | 1.00% | Earns base, capped ~2,000 RP/day and 50,000 RP/statement cycle (CardInsider); 1% fee on utility txns >₹50k |
| Tata Neu Plus SBI Card SBI Card | capped | 1.00% | Capped at 2,000 NeuCoins a month; telecom and cable carry a separate 2,000 cap |
| Paytm HDFC Bank Select HDFC Bank | capped | 1.00% | 5% CashPoints — 5 CashPoints per ₹100, a CashPoint being a rupee against the statement — on utility bills paid inside Paytm, capped at 1,500 CashPoints a calendar month. That ceiling is SHARED across the whole Paytm bucket (recharge, utility, travel, movies and Mini App) and HDFC publishes no split of it, so none of it belongs to a utility bill alone; the same bill paid outside Paytm earns the 1% base |
| YES Bank BYOC (Rewards) YES Bank | capped | 1.00% | Capped at 600 YES Rewardz Points a statement cycle (MCC 4900) — the second loosest ceiling YES publishes. Note the sibling: the BYOC Cashback perk excludes utilities entirely, so the perk you picked decides this answer |
| LIC IDFC FIRST Select IDFC FIRST Bank | capped | 1.00% | Inside the "essentials" bucket (MCCs 4812, 4813, 4814, 4816, 4899, 4900) — earns the 5 RP/₹125 base but the whole bucket is capped at 600 reward points a month, shared with groceries, telecom, education and government. 600 RP at that same 5 RP/₹125 is ₹15,000 a month of bucket spend in all; IDFC publishes no split of that ceiling, so none of it belongs to utilities alone |
| Swiggy HDFC Bank Credit Card HDFC Bank | capped | 1.00% | Not on HDFC's exclusion list for this card — 1% inside the ₹500-a-cycle other-categories ceiling, and no transaction under ₹100 earns (inferred from absence, flag) |
| Amex Gold Charge American Express | capped | 1.00% | Official FAQ: Gold earns 1 MR/₹50 on utilities CAPPED 10,000 MR/month — only Amex card still earning on utilities |
| PhonePe SBI Card SELECT BLACK SBI Card | capped | 1.00% | Paid inside the PhonePe app, utilities are one of the five accelerated categories at 10 Reward Points per ₹100 — but the PhonePe pool caps at 1,500 points a calendar month. Paid ANYWHERE ELSE they earn zero, MCC 4900, 4814 and 4899. Where you pay the bill decides everything |
| PhonePe SBI Card PURPLE SBI Card | capped | 1.00% | 3 Reward Points per ₹100 when the bill is paid INSIDE the PhonePe app, capped at 750 points a calendar month; utilities paid anywhere else are excluded by MCC (4900, 4814, 4899) and earn nothing at all |
| HDFC Regalia HDFC Bank | capped | 1.00% | 2,000 RP/month cap per the Sep-2024 bank-wide schedule (community), at 4 RP/₹200 post-15-May-2026 — about ₹1,00,000 of utility spend |
| Kotak Zen Signature Kotak Mahindra Bank | capped | 0.83% | Zen Points earn only on the first ₹50,000 of utility spend a statement cycle — MCC 4900, 4814, 4899 and 4812 — and Kotak charges a 1% fee on the cumulative utility spend once it passes ₹50,000 too, so the cap and the fee start at the same rupee |
| YES Bank Wellness Plus YES Bank | capped | 0.75% | Capped at 450 YES Rewardz Points a statement cycle (MCC 4900) per the master MITC version 18; 1% + GST on every utility transaction once last month's utility spend passed ₹25,000 |
| IndianOil HDFC Bank Credit Card HDFC Bank | capped | 0.64% | 5 Fuel Points per ₹100 on utility MCC 4900 (and 4812/4814 on the telecom side), minimum transaction ₹150, capped at 100 Fuel Points a month — about ₹2,000 of bill payments — and zero past the cap |
| YES Essence YES Bank | capped | 0.50% | Capped at 150 YES Rewardz Points a statement cycle per the master MITC — the same ceiling as Select, and the tightest YES sets; 1% + GST on every utility transaction once last month's utility spend passed ₹25,000 |
| SBI Card PRIME SBI Card | capped | 0.50% | This card's one utility perk — 20 points per ₹100 (5%) on utility bills paid by standing instruction, but only until 3,000 points have accrued, after which it falls to the 2-point base. SBI's MITC then charges 1% on the whole cycle's utility spend past ₹50,000 |
| ICICI Bank HPCL Super Saver ICICI Bank | capped | 0.50% | 20 RP per ₹100 vs 2 RP per ₹100 base — a 5% accelerator, but the T&C caps the whole accelerated bucket at 400 reward points a statement cycle, which is ₹100 of value a month and no more. Utility spend above ₹50,000 a cycle also draws a 1% fee. |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | capped | 0.50% | 30 RP/₹150 on the same ₹2,000-a-cycle ceiling grocery draws from — 400 RP total — and a 1% fee lands once utility spend passes ₹20,000 a cycle |
| YES Bank Wellness YES Bank | capped | 0.50% | Reward points on utility spend stop at 300 a statement cycle. Separately, YES charges a 1% fee + GST on every utility transaction once cumulative utility spend passes ₹25,000 in the previous calendar month, capped at ₹5,000 a transaction — Wellness is in the "All other cards" band, not the ₹50,000 tier YES reserves for Marquee, Reserv, UNI and AI Inside |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | capped | 0.33% | 10 RP/₹150 (6.67 RP/₹100) on MCC 4812 and 4899, capped at 1,000 RP a statement cycle shared with departmental stores. MCC 4900 is not in that accelerated list and earns core 2 RP/₹150; a utility transaction of ₹50,000 or more carries a 1% processing fee capped at ₹3,000 |
| Kotak Royale Signature Kotak Mahindra Bank | capped | 0.33% | Points earn only on the first ₹50,000 of utility spend a statement cycle — MCC 4900, 4814, 4899 and 4812 — and the 1% utility fee starts at the same ₹50,000 |
| Kotak UPI RuPay Kotak Mahindra Bank | capped | 0.30% | Since 1 June 2025 reward points are earned on utility spends only up to ₹35,000 a statement cycle; beyond that, nothing — and a 1% fee starts at the same ₹35,000 |
| Kotak League Platinum Kotak Mahindra Bank | capped | 0.27% | The one category League caps rather than cuts — points earn on the first ₹35,000 of utility spend a statement cycle, MCC 4900, 4814, 4899 and 4812, against ₹50,000 on Zen and Royale. The 1% utility fee starts at the same ₹35,000 |
| HDFC Bank UPI RuPay HDFC Bank | capped | 0.25% | 2 CashPoints per ₹100 (0.5% at ₹0.25 a point) with its OWN 500-CashPoint calendar-month ceiling, separate from the 3% bucket — about ₹25,000 of bills a month, worth ₹125 |
| AU LIT Credit Card AU Small Finance Bank | capped | 0.25% | 1 Reward Point per ₹100, capped at 100 RP per TRANSACTION — so a bill above ₹10,000 earns nothing on the excess — and utilities never reach the 5X or 10X rungs even when the feature is bought. AU defines the category as MCC 4812, 4814, 4899 and 4900. 1% fair-usage fee past ₹50,000 of utility spend a month (MITC) |
| AU Altura Plus Credit Card AU Small Finance Bank | capped | 0.25% | 1 Reward Point per ₹100 with a hard 100-RP-per-TRANSACTION ceiling — a ₹15,000 electricity bill earns 100 points, not 150 — and AU's note excludes BBPS transactions from Reward Points entirely, which is the rail most Indian utility bills settle over. 1% fair-usage fee past ₹50,000 of utility spend a month (MITC) |
| YES BANK RuPay Virtual YES Bank | capped | 0.25% | Utility spend earns up to 150 reward points a statement cycle and nothing beyond. YES also charges a 1% fee + GST on each utility transaction once cumulative utility spend passes ₹25,000 in the previous calendar month (capped at ₹5,000 a transaction) — note this is a lifetime-free card, so that fee is the whole cost of holding it |
| Standard Chartered Super Value Titanium Standard Chartered | capped | 0.17% | 5% cashback on utility bills above ₹750, capped at ₹100 a transaction and just ₹100 a MONTH — the tightest of the card's three buckets, so ₹2,000 of utility spend exhausts it. The payment must go through Standard Chartered's own bill-pay platforms; other platforms do not qualify |
| HDFC Bank Freedom HDFC Bank | capped | 0.07% | "Effective 1st September 2024, Reward Points earned on Utility transactions will be capped at 2000 Reward Points per calendar month. Utility MCC: 4900" — about ₹4 lakh of utility spend at 1 point per ₹200 |
| PhonePe HDFC Bank Ultimo HDFC Bank | capped | — | 10% Reward Points via the PhonePe app (MCCs 4814, 4899, 4900) — 10 RP per ₹100 at ₹1 a point — capped at 1,000 points a calendar month across the whole PhonePe bucket, about ₹10,000 of utility spend a month if nothing else in that bucket has used it |
| PhonePe HDFC Bank Uno HDFC Bank | capped | — | 2% Reward Points via the PhonePe app — 2 RP per ₹100 at ₹1 a point — inside a 500-point monthly cap shared with the whole PhonePe bucket, about ₹25,000 of utility spend a month if nothing else in that bucket has used it |
| Standard Chartered Beyond Standard Chartered | reduced | 2.00% | 3 RP per ₹150 (2%) instead of 5 — "Utility Payments" in the §4.1.2 list, uncapped |
| Standard Chartered Ultimate Standard Chartered | reduced | 2.00% | 3 RP/₹150 on MCC 4900, uncapped since 2-Apr-2023 |
| YES Bank Marquee YES Bank | reduced | 1.25% | 10 RP/₹200 (1.25%) as a 'select category'; RP capped 1,250/statement cycle for Marquee (official MITC table); 1% fee past ₹50k/month |
| IndusInd Tiger IndusInd Bank | reduced | 0.80% | Base 1 RP/₹100 only, no slab multiplier — "utility bill payments" named on the official product page |
| IndusInd Legend IndusInd Bank | reduced | 0.80% | Base 1 RP/₹100 (no weekend double); 1% fee >₹25k/cycle (MITC) |
| IndusInd Pinnacle World IndusInd Bank | reduced | 0.80% | Excluded from the 2.5 RP online rate; earns base 1 RP/₹100; 1% fee >₹25k/cycle (MITC) |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | reduced | 0.75% | Core 3 RP/₹100 (0.75%) only — MCC 4900 barred from the 5X tier; 1% fee on utility txns ≥₹50k (official) |
| YES Bank RESERV YES Bank | reduced | 0.75% | 'Select category' 6 RP/₹200 (0.75%); utility RP capping per YES MITC — community, flag |
| IDFC FIRST Private IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the flat 10 RP/₹150 domestic base (~0.67%) — Utilities is named on the consolidated T&C's 1X list, and IDFC's MITC defines the bucket by MCC as 4814, 4816, 4899, 4900. Private is the one IDFC card exempt from the 1% fair-usage utility fee (MITC footnote ***) |
| IDFC FIRST Gaj IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the 5 RP/₹150 base (MCC 4812/4813/4814/4816/4821/4829/4899/4900). Gaj is the ONLY IDFC card whose 1% utility fee starts at ₹50,000 a cycle — every other variant starts at ₹20,000 |
| IndusInd PIONEER Private IndusInd Bank | reduced | 0.56% | 0.7 RP/₹100 vs 3 RP/₹100 — MCC 4900; the 1% fee on utility spend above ₹25,000 a cycle still applies |
| IndusInd Pioneer Legacy IndusInd Bank | reduced | 0.56% | 0.70 RP/₹100 vs 1 RP/₹100 on weekdays, w.e.f. 4-Feb-2023; 1% fee on utility spend above ₹25,000 a cycle |
| IndusInd Iconia Amex IndusInd Bank | reduced | 0.52% | 0.70 RP/₹100 vs 1.5 RP/₹100 on weekdays; 1% fee on utility spend above ₹25,000 a cycle |
| IndusInd Avios Visa Infinite IndusInd Bank | reduced | 0.50% | 1 Avios/₹200 (reduced bucket); 1% fee on utilities >₹25k/cycle (MITC) |
| Adani One ICICI Bank Signature ICICI Bank | reduced | 0.50% | 0.5 Adani Reward Points/₹100 vs 1.5 Adani Reward Points/₹100 on ordinary retail — clause 4 of the card T&C |
| Adani One ICICI Bank Platinum ICICI Bank | reduced | 0.50% | 0.5 per ₹100 vs 1 per ₹100 on domestic retail — half rate, printed in the T&C's earn table |
| YES Bank ELITE+ YES Bank | reduced | 0.50% | A Select category at 4 points per ₹200 vs 6 points per ₹200 on ordinary offline spend, and capped at 300 points a statement cycle (MCC 4900); 1% + GST on every utility transaction once last month's utility spend passed ₹25,000 |
| RBL Icon RBL Bank | reduced | 0.50% | Base 2 RP/₹100 unless excluded — RBL narrow-utility carve-outs may apply, verify, flag |
| Axis Bank Cashback Axis Bank | reduced | 0.50% | Utility bills (MCC 4816, 4899 and 4900) are a bonus leg of their own, paying 0.50 per ₹100 vs 0.75 per ₹100 on ordinary offline spend — 50 paise of cashback on every hundred rupees against 75 — and the leg is ceilinged at ₹100 a statement. A separate 1% fee applies above ₹25,000 of utility spend a cycle |
| YES First Preferred YES Bank | reduced | 0.50% | A Select category at 4 points per ₹200 vs 8 points per ₹200 on every other eligible spend, and capped at 300 points a statement cycle (MCC 4900); 1% + GST on every utility transaction once last month's utility spend passed ₹25,000 |
| Indus Solitaire IndusInd Bank | reduced | 0.39% | 0.7 RP/₹100 vs 1 RP/₹100 — MCC 4900; the 1% fee on utility spend above ₹25,000 a cycle still applies |
| IDFC FIRST Mayura IDFC FIRST Bank | reduced | 0.33% | 1 RP/₹150 vs the 5 RP/₹150 base on MCC 4814/4816/4899/4900; doesn't count to ₹20k milestone; 1% fee on commercial-utility spends >₹20k/month |
| IndusInd Indulge IndusInd Bank | reduced | 0.28% | 0.70 RP/₹100 vs 1.5 RP/₹100; 1% fee on utility spend above ₹25,000 a cycle |
| IDFC FIRST Ashva IDFC FIRST Bank | reduced | 0.27% | 1 RP/₹150 vs the 5 RP/₹150 base (~0.18%); official T&C groups FASTag, Railways, Insurance and Utilities at 1X |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | reduced | 0.25% | 0.5 BluChips/₹100 (published reduced band) |
| AU Ananta AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100 (0.25%), capped 100 RP/txn (Apr-2024 rule); 1% fee past ₹50k/month (official KFS) |
| AU Zenith AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100, capped 100 RP/txn (official product page); 1% fee past ₹50k/month |
| ICICI Sapphiro ICICI Bank | reduced | 0.25% | 1 RP/₹100 vs 2/₹100 domestic (official page); utility+insurance spend cap ₹40k–80k/cycle from 15-Nov-2024 (tier ambiguity — flag) |
| ICICI Bank Rubyx ICICI Bank | reduced | 0.25% | 1 RP/₹100 (vs 2/₹100 domestic) per the official earn table |
| ICICI Bank Emeralde ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 4 RP per ₹100 on retail, and only on the first ₹80,000 of utility spend a statement cycle — double the Coral tier's ceiling |
| AU Vetta AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100; 1% fee past ₹50k/month (official KFS) |
| ICICI Bank Coral ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and only on the first ₹40,000 of utility spend a statement cycle (MITC cap table, w.e.f. 15 Nov 2024). Utility spend above ₹50,000 in a cycle also draws a 1% fee. |
| YES Bank SELECT YES Bank | reduced | 0.25% | A Select category at 2 points per ₹200 vs 4 points per ₹200 on ordinary offline spend, and capped at 150 points a statement cycle (MCC 4900). YES also levies 1% + GST on every utility transaction once the previous calendar month's utility spend passed ₹25,000 |
| ICICI Bank Expressions ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 3 RP per ₹100 on retail, and only on the first ₹40,000 of utility spend a statement cycle |
| Federal Bank Celesta Federal Bank | reduced | 0.25% | Base 1 RP/₹100 or excluded; 1% fee past ₹50k/month (Federal standard) — community, flag |
| AU Zenith+ AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100 (0.25%) inside the shared 1,000-RP/cycle cap; AU publishes no split of that ceiling, so none of it belongs to utilities alone; 1% fee past ₹50k/month (official KFS) |
| AU Bank NOMO Credit Card AU Small Finance Bank | reduced | 0.25% | 1 Reward Point per ₹100 against 2 on ordinary retail — AU's own wording, "Earn 2 Reward Points per ₹100 on retail spends and 1 Reward Point on utility & insurance". AU's MITC adds a 1% fair-usage fee past ₹50,000 of utility spend (MCC 4900) a month |
| ICICI Bank HPCL Coral Credit Card ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on retail, on the first ₹40,000 of utility spend a statement cycle (w.e.f. 15-Nov-2024). ICICI's utility MCC block runs 4899, 4900, 4901, 3887, 4897, 5416, 5417, 4812, 4813, 4814, 4815, 4821, 4896, 4902, 3886 |
| ICICI Bank Platinum Chip Credit Card ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on retail — half the retail rate — and only on the first ₹40,000 of utility spend a statement cycle (w.e.f. 15-Nov-2024). ICICI's utility MCC block is wide — 4899, 4900, 4901, 3887, 4897, 5416, 5417, 4812, 4813, 4814, 4815, 4821, 4896, 4902 and 3886. Separately, a 1% fee applies to utility transactions |
| ICICI Bank Coral against FD ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and only on the first ₹40,000 of utility spend a statement cycle (MITC cap table, w.e.f. 15 Nov 2024) |
| ICICI Bank Rubyx against FD ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and only on the first ₹80,000 of utility spend a statement cycle (MITC cap table, w.e.f. 15 Nov 2024) |
| ICICI Bank NRI Coral ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, per the earn structure ICICI's NRI hub advertises as "Reward Points on Retail & Utilities". Utility transactions above ₹50,000 also draw a 1% fee (w.e.f. 15 Nov 2024). |
| ICICI Bank NRI Sapphiro ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, per the resident Sapphiro programme ICICI's NRI hub links to. Utility transactions above ₹50,000 also draw a 1% fee. |
| YES Bank ACE YES Bank | reduced | 0.25% | A Select category at 2 points per ₹200 vs 4 points per ₹200 on ordinary offline spend, and reward points on utility spend stop at 150 a statement cycle — the lowest band in YES's own table, shared with Select, YES Prosperity Rewards, YES Prosperity Business, the RuPay Virtual card and Essence, against 1,250 on Marquee and no cap at all on YES Private. On top of the cap, YES charges a 1% fee + GST on every utility transaction once cumulative utility spend passes ₹25,000 in the previous calendar month (Ace is in the ₹25,000 band, not the ₹50,000 or ₹1,00,000 ones, and the fee is capped at ₹5,000 a transaction) |
| Chennai Super Kings ICICI Bank ICICI Bank | reduced | 0.25% | 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and only on the first ₹40,000 of utility spend a statement cycle |
| IndusInd Celesta IndusInd Bank | reduced | 0.19% | 0.70 RP/₹100 vs 1 RP/₹100 domestic; 1% fee on utility spend above ₹25,000 a statement cycle |
| IndusInd Crest IndusInd Bank | reduced | 0.19% | 0.70 RP/₹100 vs 1 RP/₹100; 1% fee on utility spend above ₹25,000 a cycle |
| IDFC FIRST WOW! Black IDFC FIRST Bank | reduced | 0.17% | 1 RP/₹150 vs the 4 RP/₹150 base; a 1% fee also applies past ₹20,000 of utility spend a cycle |
| IDFC FIRST Diamond Reserve IDFC FIRST Bank | reduced | 0.17% | 1 RP/₹150 vs the 3 RP/₹150 everyday band — railway and FASTag sit in the same 1X list, and none of them count toward the ₹20,000 trigger |
| IDFC FIRST WOW! IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 4 RP/₹200 base ≈ 0.13%; 1% fee once utility spends pass ₹20,000/cycle |
| IDFC FIRST Wealth IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base (~0.13%) — official rewards T&C; 1% fee once utility spends pass ₹20,000 a cycle (MITC) |
| IDFC FIRST Select IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13%; 1% fee once utility spends pass ₹20,000/cycle |
| IDFC FIRST Millennia IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13%; 1% fee past ₹20,000 of utility spend a cycle |
| IDFC FIRST Classic IDFC FIRST Bank | reduced | 0.13% | 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% — one of four named 1X categories; a 1% fee also applies once utility spend passes ₹20,000 a cycle |
| Axis Magnus for Burgundy Axis Bank | earns nothing | — | Same as Magnus |
| Axis Olympus Axis Bank | earns nothing | — | "Utilities" in the official Excluded Merchant Categories list (Olympus T&C §4) — corrected from full, 2026-07-22 |
| Axis Burgundy Private Axis Bank | earns nothing | — | No EDGE RP on utilities (CardInsider) |
| Axis Magnus Axis Bank | earns nothing | — | 'Utility & Telecom' zero since 20-Apr-2024 |
| RBL Nova RBL Bank | earns nothing | — | "Utilities" in the official rbl.bank.in exclusion list |
| HSBC TravelOne HSBC | earns nothing | — | MCC 4900 (note: 4899/4816 NOT listed — cable/other-utility MCCs technically earn; edge case) |
| Kotak Air+ Prime Kotak Mahindra Bank | earns nothing | — | "Utility/Telecom" MCC 4812/4814/4899/4900 earn nothing and are excluded from the waiver count; 1% fee above ₹75,000 of utility spend a statement cycle |
| Kotak Air+ Kotak Mahindra Bank | earns nothing | — | "Utility/Telecom" in the published no-earn list |
| KrisFlyer SBI Card APEX SBI Card | earns nothing | — | Zero miles — MCC 4900, 4814, 4899, 9399 in the T&C's exclusion table |
| Axis Bank Reserve Axis Bank | earns nothing | — | 'Utility & Telecom' zero |
| Axis Horizon Axis Bank | earns nothing | — | MCC 4814/4816/4899/4900 zero |
| Axis Miles & More World Select Axis Bank | earns nothing | — | Excluded — community/flag |
| Scapia (Federal Bank) Federal Bank | earns nothing | — | MCC 4900/4812/4814/4816/4899 zeroed w.e.f. 27-Feb-2026 (official devaluation notice); 1% fee past ₹50k/month |
| SBI Card MILES PRIME SBI Card | earns nothing | — | MCC 4900/4814/4899/9399 — full exclusion, no partial earn |
| Axis Miles & More World Axis Bank | earns nothing | — | Excluded — community/flag |
| Axis Bank SELECT Axis Bank | earns nothing | — | 'Utility & Telecom' named in the 20-Jun-2025 T&C exclusion list; 1% utility fee above ₹25,000/cycle |
| Kotak Air Kotak Mahindra Bank | earns nothing | — | "Utility/Telecom" in the published no-earn list |
| Amazon Pay ICICI Bank ICICI Bank | earns nothing | — | Zero w.e.f. 11 Oct 2025 — "utility transactions outside the Amazon platform will not be eligible for any Reward Points" |
| HSBC Platinum HSBC | earns nothing | — | Zero reward points — utilities head HSBC's exclusion table. Only MCC 4900 is named, so 4899 and 4816 are outside the exclusion as written |
| HSBC RuPay Platinum HSBC | earns nothing | — | Zero reward points — utilities head HSBC's exclusion table. Only MCC 4900 is named, so 4899 and 4816 are outside the exclusion as written |
| RBL Platinum Maxima RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL Platinum Maxima Plus RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| IndiGo SBI Card ELITE SBI Card | earns nothing | — | Zero BluChips — in SBI's published exclusion list |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | earns nothing | — | Utilities in the published exclusion list |
| IndiGo Axis Bank Premium Credit Card Axis Bank | earns nothing | — | "Utility Services (Including Telecom)" in the card's published exclusion list |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | earns nothing | — | Zero miles (official card-page exclusion list) |
| Kotak Solitaire Kotak Mahindra Bank | earns nothing | — | Zero Air Miles — official Utility/Telecom MCC table (4812, 4814, 4899, 4900); corrected from full, 2026-07-22 |
| SBI Card MILES ELITE SBI Card | earns nothing | — | MCC 4900/4814/4899/9399 — full exclusion, no partial earn |
| IndiGo SBI Card SBI Card | earns nothing | — | Zero BluChips — in SBI's published exclusion list |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | earns nothing | — | Utilities in the published exclusion list |
| RBL World Safari RBL Bank | earns nothing | — | MCC 4900 (4814/4816/4899 not listed — same narrow-utilities quirk as HSBC) |
| RBL World Safari Lite RBL Bank | earns nothing | — | Named in §3.4(d) as ineligible to earn |
| RBL Platinum Edge RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the product page's own dated exclusion footnote. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL World Safari Plus RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own §3.4(c) exclusion sentence. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| KrisFlyer SBI Card SBI Card | earns nothing | — | Zero miles — in SBI's published exclusion list |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | earns nothing | — | Zero miles (official card-page exclusion list) |
| MakeMyTrip ICICI Bank ICICI Bank | earns nothing | — | ICICI utility bucket → zero — community mapping, flag |
| Axis Bank Privilege Axis Bank | earns nothing | — | Utilities are on the published no-earn list; a 1% fee also applies to cumulative utility spends of ₹25,000+ a statement cycle |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | No per-swipe points; KFS waives the utility fee (counts toward milestones, flag) |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| TVS Credit RBL Bank RBL Bank / TVS Credit | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL Bank Blockbuster RBL Bank / BookMyShow | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL Platinum LifeEasy RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the product page's own dated exclusion footnote. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| IndianOil Axis Bank Premium Axis Bank | earns nothing | — | MCC 4814/4816/4899/4900 earn nothing, but neither waiver sentence names utilities, so the spend still counts toward the ₹30,000; 1% fee above ₹25,000 of utility spend a statement period |
| IndiGo Axis Bank Credit Card Axis Bank | earns nothing | — | "Utility Services (Including Telecom)" in the card's published exclusion list |
| SBI Card MILES SBI Card | earns nothing | — | MCC 4900/4814/4899/9399 — full exclusion, no partial earn |
| RBL Signature Banking RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL Aspire Banking RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL Apex RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| IRCTC RBL Bank Credit Card RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | earns nothing | — | Named verbatim in the MITC's rewards exclusion list |
| YES Bank Zagg Credit Card YES Bank | earns nothing | — | Zero coins ("Utilities – Electric, Gas, Heating Oil, Sanitary, Water"), and unlike the YES Rewardz cards there is no reduced rate behind the exclusion |
| Axis Bank My Zone Axis Bank | earns nothing | — | "Utility & Telecom" earn nothing and are excluded from the milestone count; 1% fee above ₹25,000 of utility spend a statement cycle |
| Axis Bank REWARDS Axis Bank | earns nothing | — | "Utility and certain telecom" — the T&C's own hedged wording, quoted rather than tidied |
| Flipkart Axis Bank Credit Card Axis Bank | earns nothing | — | "Utility Services" is an excluded MCC category; a 1% fee also applies above ₹25,000 of utility spend a statement cycle |
| Axis Bank NEO Axis Bank | earns nothing | — | Zero points. Also a 1% fee once utility spend passes ₹25,000 in a statement cycle — you pay to spend, and earn nothing for it. |
| Titan SBI Card SBI Card | earns nothing | — | Zero points — §11.3(c) names "Utility bill payments" outright, which most SBI cards do not. Worse, 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% and earn nothing |
| CASHBACK SBI Card SBI Card | earns nothing | — | Zero cashback on MCC 4900, 4814, 4816, 4899 and 9399. A separate 1% Utility Payment Fee also applies once utility spends pass ₹50,000 in a billing cycle |
| Axis Bank SuperMoney RuPay Axis Bank | earns nothing | — | "Utility Services" earn nothing |
| Kotak Cashback+ Kotak Mahindra Bank | earns nothing | — | Utilities earn nothing on this card |
| Kotak Cashback+ Prime Kotak Mahindra Bank | earns nothing | — | Utilities earn nothing |
| Axis Bank Freecharge Axis Bank | earns nothing | — | A 1% fee applies above ₹25,000 of utility spend a statement cycle; the category is not on the 20 Jun 2025 earn-exclusion list, so this row answers the fee question only |
| Axis Bank Pride Platinum Axis Bank | earns nothing | — | Named in the card's own EDGE REWARD Points T&C as a category that earns nothing |
| Axis Bank Pride Signature Axis Bank | earns nothing | — | Named in the card's own EDGE REWARD Points T&C as a category that earns nothing |
| Axis Bank Titanium Smart Traveller Axis Bank | earns nothing | — | Utility payments earn no EDGE REWARD Points |
| IndianOil Axis Bank Credit Card Axis Bank | earns nothing | — | No EDGE REWARDS — utilities are named on the exclusion list — and 1% + GST above ₹25,000 of cumulative utility spend a statement period |
| LIC Axis Bank Platinum Axis Bank | earns nothing | — | Zero points — named in the rewards catalogue's clause 12 even though the product page does not mention it; a 1% fee also applies above ₹25,000 a cycle |
| ICICI Bank Parakram ICICI Bank | earns nothing | — | Zero reward points w.e.f. 15 Apr 2024, per the card's own T&C earn table |
| ICICI Bank Parakram Select ICICI Bank | earns nothing | — | Zero reward points w.e.f. 15 Apr 2024, per the card's own T&C earn table |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Utility Payments (Electricity, Telephone, Internet, Water etc)' — zero cashback |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Utility Payments (Electricity, Telephone, Internet, Water etc)' — zero cashback |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Utility Payments (Electricity, Telephone, Internet, Water etc)' — zero cashback |
| Axis Bank Shoppers Stop Credit Card Axis Bank | earns nothing | — | "Utilities" on the T&C's excluded list and "Utility & Telecom" in the June 2025 restatement — zero points, but the spend still counts toward the fee waiver. A 1% fee applies once utility spend passes ₹25,000 in a cycle |
| RBL Platinum Delight RBL Bank | earns nothing | — | Zero RP — "Utilities" (MCC 4900) is excluded from earn and from the waiver bar, and RBL's own Bills2Pay rail is named separately in both lists. 1% fee past ₹50,000 a month (MITC) |
| RBL Platinum Max RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Utilities" (MCC 4900). RBL also charges 1% on aggregate utility spend past ₹50,000 a month per card (MITC), and "Bills2Pay", its own bill-payment rail inside MyBank, is excluded separately |
| RBL Platinum Prime RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Utilities" (MCC 4900); RBL's own Bills2Pay rail is excluded separately. 1% fee past ₹50,000 of utility spend a month (MITC) |
| RBL Platinum Plus RBL Bank | earns nothing | — | Zero RP — "Utilities" (MCC 4900) in the first footnote; Bills2Pay excluded separately from 15-Oct-2024, and a 1% fee past ₹50,000 a month (MITC) |
| RBL Platinum Choice RBL Bank | earns nothing | — | Zero RP — "Utilities" (MCC 4900) in the first footnote; Bills2Pay excluded from 15-Oct-2024; 1% fee past ₹50,000 a month (MITC) |
| RBL Platinum Advantage RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Utilities" (MCC 4900), with Bills2Pay excluded separately and a 1% fee past ₹50,000 a month (MITC) |
| RBL Binge RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Utilities" (MCC 4900), and the 12-RP online rung excludes utility spend by name too, so paying a power bill online on this card earns nothing twice over. 1% fee past ₹50,000 a month (MITC) |
| RBL Shoprite RBL Bank | earns nothing | — | Zero RP — "Utilities" (MCC 4900), excluded from earn and from the waiver; Bills2Pay named separately. 1% fee past ₹50,000 a month (MITC) |
| RBL Movies and More RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Utilities" (MCC 4900), with Bills2Pay named separately; 1% fee past ₹50,000 a month (MITC) |
| RBL Patanjali Vishisht RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Utilities" (MCC 4900), with Bills2Pay named separately in both lists; 1% fee past ₹50,000 a month (MITC) |
| RBL Bank SalarySe UP RBL Bank | earns nothing | — | Zero RP and no waiver credit — "Utilities" (MCC 4900); 1% fee past ₹50,000 of utility spend a month (MITC) |
| RBL Bank DMI Finance RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Utilities" (MCC 4900), with Bills2Pay struck separately; 1% fee past ₹50,000 of utility spend a month (MITC) |
| RBL Paisabazaar Duet RBL Bank | earns nothing | — | No cashback — "Utilities" (MCC 4900), with "Bills2Pay" listed as a separate row (RBL's own bill rail in the MyBank app and internet banking). 1% fee past ₹50,000 of utility spend a month (MITC) |
| RBL Paisabazaar Duet Plus RBL Bank | earns nothing | — | No cashback — "Utilities" (MCC 4900), with "Bills2Pay" a separate row; 1% fee past ₹50,000 of utility spend a month (MITC) |
| RBL BankBazaar SaveMax RBL Bank | earns nothing | — | Zero RP — "Utilities" (MCC 4900) on the original list, with Bills2Pay added 15-Oct-2024; 1% fee past ₹50,000 a month (MITC) |
| RBL Cookies RBL Bank | earns nothing | — | Zero benefit — "Utilities" (MCC 4900), with Bills2Pay struck separately; 1% fee past ₹50,000 a month (MITC) |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | earns nothing | — | MCC 4900, "Electric, Gas, Sanitary and Water Utilities", earns no cashback |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | earns nothing | — | MCC 4900 earns no cashback |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | earns nothing | — | "Utilities" are named in the exclusion prose |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | earns nothing | — | "Utility Payment — 4900" |
| CUB CSK Master Platinum City Union Bank | earns nothing | — | CUB excludes the whole 4800–4999 range under "Utilities & Telecom", which covers 4900 utilities, 4899 cable and 4816 computer network services alike. A 1% utility transaction fee also applies above ₹25,000 of cumulative utility spend in a cycle (MCCs 4814, 4899 and 4900) |
| CUB SRH Master Platinum City Union Bank | earns nothing | — | The whole 4800–4999 "Utilities & Telecom" range earns nothing; a 1% utility fee also applies above ₹25,000 cumulative in a cycle |
| CUB CSK RuPay Platinum City Union Bank | earns nothing | — | The whole 4800–4999 "Utilities & Telecom" range earns nothing; a 1% utility fee also applies above ₹25,000 cumulative in a cycle |
| CUB SRH RuPay Platinum City Union Bank | earns nothing | — | The whole 4800–4999 "Utilities & Telecom" range earns nothing; a 1% utility fee also applies above ₹25,000 cumulative in a cycle |
| CUB CSK Master World City Union Bank | earns nothing | — | CUB excludes the whole 4800–4999 range under "Utilities & Telecom", which covers 4900 utilities, 4899 cable and 4816 computer network services alike. A 1% utility transaction fee also applies above ₹25,000 of cumulative utility spend in a cycle (MCCs 4814, 4899 and 4900) |
| CUB SRH Master World City Union Bank | earns nothing | — | The whole 4800–4999 "Utilities & Telecom" range earns nothing; a 1% utility fee also applies above ₹25,000 cumulative in a cycle |
| IndianOil RBL Bank Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Utilities" (MCC 4900) on the T&C's §3.7 exclusion table, and excluded from the fee-waiver count too |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Utilities" (MCC 4900) on the T&C's §3.8 exclusion table, and excluded from the quarterly milestone and the fee-waiver count too |
| RBL Bank Shoppers Stop Black RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 4900), plus a 1% fee on utility spends above ₹50,000 a month |
| RBL Bank Shoppers Stop Platinum RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 4900), plus a 1% fee on utility spends above ₹50,000 a month |
| RBL Bank Shoppers Stop Gold RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 4900), plus a 1% fee on utility spends above ₹50,000 a month |
| Amex Platinum Travel American Express | earns nothing | — | Official card page: no MR on utilities (electricity/water/gas). CONFLICT: Jul-2021 MR notice said 1/₹50 capped 10k/month — current FAQ says zero; treat as excluded, low-confidence on history |
| Amex Platinum Charge American Express | earns nothing | — | Official FAQ: Platinum earns NO MR on utilities |
| Amex Membership Rewards Card American Express | earns nothing | — | Current Amex FAQ buckets MRCC under 'no points on fuel, insurance and other utility services'; Jul-2021 notice had said 1/₹50 capped 10k/month — CONFLICTING SOURCES, treat excluded, flag |
| Amex Platinum Reserve American Express | earns nothing | — | Official: no MR on utilities |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | earns nothing | — | Utility MCCs zeroed w.e.f. 27-Feb-2026 (Scapia devaluation notice); 1% fee past ₹50k/month |
| RBL World Plus RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the product page's two stacked exclusion footnotes. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL World Prime RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the product page's two stacked exclusion footnotes. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| RBL World Max RBL Bank | earns nothing | — | No points — "Utilities" (MCC 4900) on the product page's two stacked exclusion footnotes. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| Axis Atlas Axis Bank | earns nothing | — | 4814/4816/4899/4900; zero since 20-Apr-2024 |
| Axis Bank Vistara Infinite Credit Card Axis Bank | earns nothing | — | "Utility bill payment" — named in the post-merger list |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | earns nothing | — | No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide |
| Emirates Skywards ICICI Bank Rubyx ICICI Bank | earns nothing | — | Zero Miles w.e.f. 15 Jan 2026 — quoted verbatim in the MITC |
| Axis Bank Vistara Signature Credit Card Axis Bank | earns nothing | — | "Utility bill payment" — named in the post-merger list |
| Axis Bank Vistara Credit Card Axis Bank | earns nothing | — | "Utility bill payment" — named in the post-merger list |
| RBL Bank novio RBL Bank | earns nothing | — | No Reward Points — MCC 4900, and separately no points for anything paid through RBL's own Bills2Pay facility |
| RBL vCard RBL Bank | earns nothing | — | No Reward Points — MCC 4900 |
| HDFC Harley-Davidson Diners Club HDFC Bank | n/a | — | No earn rule published for this card; a 1% fee applies to utility spends above ₹50,000 in a calendar month |
| Air India SBI Platinum Card SBI Card | n/a | — | SBI names no utilities exclusion for this card, unlike its MILES range — utilities earn the base 2 RP/₹100 |
Best credit cards for utility bills in India (2026)
The desk's call for the category — a different question from the podium above. The podium ranks what ₹100 of utilities returns on a swipe today; this board ranks on ₹/yr at ₹6,000/mo of bills , and 2 cards tie at the top. Same data, two views, and each says its own question.
Which is the best credit card for paying utility bills in India?
START WITH THE NEGATIVE, because it is the finding: 121 of the 269 whose utility rule this desk holds 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 148 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 (HSBC never specifies calendar vs… — and at ₹6,000 a month that bound does not bind. AND 64 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.
Utilities is the category Indian issuers walked away from together: 121 of the 269 whose rule we hold pay ZERO on an electricity bill, and another 54 pay a cut rate the same card never advertises. Here is what is left, priced at ₹6,000 a month of bills.
Verified through · The records behind this board — the card records this ranks and the utilities rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build.
Ranks 1–15 of 148 · ranked by ₹/yr at ₹6,000/mo of bills
| # | Card | ₹/yr at ₹6,000/mo of bills | The math |
|---|---|---|---|
| 1 | HSBC Live+ | ₹7,200 | 10.00% on a utility bill · the rate stops at ₹12,000 of bills a month · 1.50% on every rupee past that ceiling — 10% accelerated cashback, hard-capped at ₹1,200 a month (HSBC never specifies calendar vs · Amazon… · ₹999/yr |
| 2 | PhonePe HDFC Bank Ultimo | ₹7,200 | 10.00% through PhonePe · the rate stops at ₹10,000 of bills a month · 0.00% on the same bill paid anywhere else — PhonePe recharges, bill payments, travel & stays (10%) · Capped at 1,000 Reward Points a calendar m… · ₹999/yr |
| 3 | Axis Bank ACE | ₹3,600 | 5.00% through Google Pay · the rate stops at ₹10,000 of bills a month · 1.50% on every rupee past that ceiling, and 0.00% on the same bill paid anywhere else — 5% · Shares a ₹500-per-statement cap with the 4% category · the issuer also charges: a 1% fee applies above ₹25,000 of utility spend a cycle · ₹499/yr |
| 4 | SBI Card PRIME | ₹3,600 | 5.00% on a utility bill · the rate stops at ₹15,000 of bills a month · 0.50% on every rupee past that ceiling — 20 RP per ₹100 until 3,000 RP have accrued, then it drops back to the base 2 RP per ₹100 (official… · ₹2,999/yr |
| 5 | HDFC Diners Club Black Metal | ₹2,398 | 3.33% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee >₹50k txn · ₹10,000/yr |
| 6 | HSBC Premier (Metal) | ₹2,160 | 3.00% on a utility bill — the card's ordinary rate, no utility accelerator published; the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a utility bill alone and none is applied here · ₹12,000 joining, then ₹20,000/yr |
| 7 | IRCTC SBI Card Premier | ₹1,728 | 2.40% on a utility bill · no ceiling published on this rung — 3 RP per ₹125 = 2.4% at ₹1/RP · ₹1,499/yr |
| 8 | BOBCARD Etihad Guest Premium | ₹1,440 | 2.00% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee on utility txns ≥₹50k (cap ₹3,000/txn) still applies (official MITC) · ₹5,000/yr |
| 9 | Standard Chartered Ultimate | ₹1,440 | 2.00% on a utility bill — the card's REDUCED utility rate — 3 RP/₹150 on MCC 4900 · uncapped since 2-Apr-2023 · ₹5,000/yr |
| 10 | ICICI Times Black | ₹1,440 | 2.00% on a utility bill — the card's ordinary rate, no utility accelerator published; the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a utility bill alone and none is applied here · ₹20,000/yr |
| 11 | Standard Chartered Super Value Titanium | ₹1,280 | 5.00% on a bill over ₹750 · the rate stops at ₹2,000 of bills a month, which ₹6,000 walks past · 0.17% on the same bill paid anywhere else — 5% cashback on transactions above ₹750 · max ₹100 a transaction and just ₹100 a month · ₹750/yr |
| 12 | HDFC Regalia Gold | ₹1,174 | 1.63% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹2,500/yr |
| 13 | Tata Neu Infinity HDFC Bank | ₹1,080 | 1.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr |
| 14 | Tata Neu Infinity SBI Card | ₹1,080 | 1.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr |
| 15 | Equitas PowerMiles | ₹1,080 | 1.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹5,000/yr |
the other 133 — ranks 16 to 148
| # | Card | ₹/yr at ₹6,000/mo of bills | The math |
|---|---|---|---|
| 16 | ixigo AU | ₹900 | 1.25% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0 — lifetime free · the desk's own rule here is flagged unverified — ranked, not crowned |
| 17 | YES Bank Marquee | ₹900 | 1.25% on a utility bill — the card's REDUCED utility rate — 10 RP/₹200 (1.25%) as a 'select category' · RP capped 1,250/statement cycle for Marquee (official MITC table) · the issuer also charges: 1% fee past ₹50k/month · ₹9,999 joining, then ₹4,999/yr |
| 18 | IDBI Bank LIC Eclat Select | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0 — lifetime free |
| 19 | LIC IDFC FIRST Select | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published; the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a utility bill alone and none is applied here · ₹0 — lifetime free |
| 20 | Tata Neu Plus SBI Card | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹499/yr |
| 21 | Flipkart SBI Card | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹500/yr |
| 22 | Swiggy HDFC Bank Credit Card | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹500/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 23 | Airtel Axis Bank Credit Card | ₹720 | 1.00% on a utility bill — the card's ordinary utility rate: its accelerated rung publishes a ceiling this desk cannot convert into rupees, so the rung is refused rather than priced as uncapped · ₹500/yr |
| 24 | HDFC Diners Club Privilege | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee on utility txns >₹50k · ₹1,000/yr |
| 25 | Paytm HDFC Bank Select | ₹720 | 1.00% on a utility bill — the card's ordinary utility rate: its accelerated rung sits inside one bucket shared with other categories and the issuer publishes no split of it, so no rupee of that ceiling belongs to a utility bill alone and the rung is refused rather than priced as uncapped · ₹1,000/yr |
| 26 | HDFC Bank Millennia | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a 1% fee applies only to a single utility transaction above ₹50,000 · ₹1,000/yr |
| 27 | BOBCARD Etihad Guest | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a 1% processing fee applies once a utility transaction reaches ₹50,000 · ₹2,500/yr |
| 28 | SBI AURUM | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹9,999/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 29 | Marriott Bonvoy HDFC Bank | ₹622 | 0.86% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹3,000/yr |
| 30 | Kotak Zen Signature | ₹599 | 0.83% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: Kotak charges a 1% fee on the cumulative utility spend once it passes ₹50,000 t… · ₹1,500/yr |
| 31 | IndusInd Tiger | ₹576 | 0.80% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0 — lifetime free |
| 32 | IndusInd Legend | ₹576 | 0.80% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee >₹25k/cycle (MITC) · ₹0/yr · ₹5,000 joining (one-time) |
| 33 | IndusInd Pinnacle World | ₹576 | 0.80% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee >₹25k/cycle (MITC) · ₹0/yr · ₹15,000 joining (one-time) |
| 34 | IDBI Bank Royale Signature | ₹540 | 0.75% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0 — lifetime free |
| 35 | IDBI Bank Euphoria World | ₹540 | 0.75% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr |
| 36 | BOBCARD Eterna | ₹540 | 0.75% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee on utility txns ≥₹50k (official) · ₹2,499/yr |
| 37 | BOBCARD Tiara | ₹540 | 0.75% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a utility transaction of ₹50,000 or more carries a 1% processing fee capped at… · ₹2,499/yr |
| 38 | IndianOil HDFC Bank Credit Card | ₹461 | 0.64% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹500/yr |
| 39 | IndusInd Platinum | ₹432 | 0.60% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: the MITC adds a 1% fee plus GST on cumulative utility spends above ₹25,000 in a… · ₹0 — lifetime free |
| 40 | IndusInd Platinum RuPay | ₹432 | 0.60% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: the MITC adds a 1% fee plus GST on cumulative utility spends above ₹25,000 in a… · ₹0/yr · ₹10,000 joining (one-time) |
| 41 | IndusInd Duo | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0 — lifetime free |
| 42 | HDFC Bank UPI RuPay | ₹360 | 0.50% on a utility bill · the rate stops at ₹25,000 of bills a month · 0.25% on every rupee past that ceiling — 2 CashPoints per ₹100 at ₹0.25 apiece · Capped at 500 CashPoints a calendar month, about ₹25,000 of… · ₹99/yr |
| 43 | IndianOil Kotak Credit Card | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹449/yr |
| 44 | IDFC FIRST HPCL Power+ | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a 1% fee lands once utility spend passes ₹20,000 a cycle · ₹499/yr |
| 45 | MakeMyTrip ICICI Bank Platinum | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: A 1% fee still applies to utility spend above ₹50,000 a cycle. · ₹0/yr · ₹500 joining (one-time) |
| 46 | IDBI Bank Winnings | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹899/yr |
| 47 | BOBCARD Premier | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a utility transaction of ₹50,000 or more carries a 1% processing fee capped at… · ₹1,000/yr |
| 48 | Axis Bank Cashback | ₹360 | 0.50% on a utility bill — the card's REDUCED utility rate — paying 0.50 per ₹100 vs 0.75 per ₹100 on ordinary offline spend · and the leg is ceilinged at ₹100 a statement · the issuer also charges: A separate 1% fee applies above ₹25,000 of utility spend a cycle · ₹1,000/yr |
| 49 | SBI Card ELITE | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹4,999/yr |
| 50 | IndusInd Avios Visa Infinite | ₹360 | 0.50% on a utility bill — the card's REDUCED utility rate — 1 Avios/₹200 (reduced bucket) · the issuer also charges: 1% fee on utilities >₹25k/cycle (MITC) · ₹10,000 joining, then ₹5,000/yr |
| 51 | IDFC FIRST Mayura | ₹240 | 0.33% on a utility bill — the card's REDUCED utility rate — 1 RP/₹150 vs the 5 RP/₹150 base on MCC 4814/4816/4899/4900 · doesn't count to ₹20k milestone · the issuer also charges: 1% fee on commercial-utility spends >₹20k/month · ₹5,999/yr |
| 52 | HPCL ENERGIE BOBCARD | ₹240 | 0.33% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a utility transaction of ₹50,000 or more carries a 1% processing fee capped at… · ₹499/yr |
| 53 | IDFC FIRST Ashva | ₹193 | 0.27% on a utility bill · no ceiling published on this rung — 1 RP per ₹150 ≈ 0.27% · ₹2,999/yr |
| 54 | Federal Bank Celesta | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee past ₹50k/month (Federal standard) · ₹0 — lifetime free · the desk's own rule here is flagged unverified — ranked, not crowned |
| 55 | ICICI Bank Platinum Chip Credit Card | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 2 RP per ₹100 on retail · and only on the first ₹40,000 of utility spend a statement cycle (w.e.f · the issuer also charges: a 1% fee applies to utility transactions · ₹0 — lifetime free |
| 56 | AU LIT Credit Card | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fair-usage fee past ₹50,000 of utility spend a month (MITC) · ₹0 — lifetime free |
| 57 | YES BANK RuPay Virtual | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: YES also charges a 1% fee + GST on each utility transaction once cumulative uti… · ₹0 — lifetime free |
| 58 | AU Bank NOMO Credit Card | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 Reward Point per ₹100 against 2 on ordinary retail · "Earn 2 Reward Points per ₹100 on retail spends and 1 Reward Point on util… · the issuer also charges: AU's MITC adds a 1% fair-usage fee past ₹50,000 of utility spend (MCC 4900) a m… · ₹0/yr · ₹199 joining (one-time) |
| 59 | ICICI Bank HPCL Coral Credit Card | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 2 RP per ₹100 on retail · on the first ₹40,000 of utility spend a statement cycle (w.e.f · ₹199/yr |
| 60 | Kotak811 Dream Different | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: with a 1% fee on cumulative utility spends above ₹35,000 in a statement cycle · ₹0/yr · ₹424 joining (one-time) |
| 61 | SimplyCLICK SBI Card | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹499/yr |
| 62 | AU Altura Plus Credit Card | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fair-usage fee past ₹50,000 of utility spend a month (MITC) · ₹499/yr |
| 63 | HDFC Bank MoneyBack+ | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a single utility transaction above ₹50,000 carries a 1% fee capped at ₹3,000 fr… · ₹500/yr |
| 64 | BPCL SBI Card OCTANE | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr |
| 65 | IndiGo IDFC FIRST Dual Credit Card | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 0.5 BluChips/₹100 (published reduced band) · ₹4,999/yr |
| 66 | IDFC FIRST WOW! Black | ₹121 | 0.17% on a utility bill · no ceiling published on this rung — 1 RP per ₹150 ≈ 0.17% · the issuer also charges: a 1% fee also applies past ₹20,000 of utility spend a cycle · ₹750/yr |
| 67 | IDFC FIRST Diamond Reserve | ₹121 | 0.17% on a utility bill · no ceiling published on this rung — 1 RP per ₹150 ≈ 0.17% · ₹3,000/yr |
| 68 | IDFC FIRST WOW! | ₹90 | 0.13% on a utility bill — the card's REDUCED utility rate — 1 RP/₹200 vs the 4 RP/₹200 base ≈ 0.13% · the issuer also charges: 1% fee once utility spends pass ₹20,000/cycle · ₹0 — lifetime free |
| 69 | IDFC FIRST Wealth | ₹90 | 0.13% on a utility bill — the card's REDUCED utility rate — 1 RP/₹200 vs the 3 RP/₹200 base (~0.13%) · the issuer also charges: 1% fee once utility spends pass ₹20,000 a cycle (MITC) · ₹0 — lifetime free |
| 70 | IDFC FIRST Select | ₹90 | 0.13% on a utility bill — the card's REDUCED utility rate — 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% · the issuer also charges: 1% fee once utility spends pass ₹20,000/cycle · ₹0 — lifetime free |
| 71 | IDFC FIRST Millennia | ₹90 | 0.13% on a utility bill — the card's REDUCED utility rate — 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% · the issuer also charges: 1% fee past ₹20,000 of utility spend a cycle · ₹0 — lifetime free |
| 72 | IDFC FIRST Classic | ₹90 | 0.13% on a utility bill — the card's REDUCED utility rate — 1 RP/₹200 vs the 3 RP/₹200 base ≈ 0.13% · one of four named 1X categories · the issuer also charges: a 1% fee also applies once utility spend passes ₹20,000 a cycle · ₹0 — lifetime free |
| 73 | Unity Bank BharatPe Credit Card | ₹1,440 | 2.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 74 | PhonePe HDFC Bank Uno | ₹1,440 | 2.00% through PhonePe · the rate stops at ₹25,000 of bills a month · 0.00% on the same bill paid anywhere else — PhonePe recharges, bill payments, travel & stays (2%) · Capped at 500 Reward Points a calendar month · ₹499/yr · the desk's own verdict is downgrade |
| 75 | ICICI Bank HPCL Super Saver | ₹1,440 | 5.00% on a utility bill · the rate stops at ₹2,000 of bills a month, which ₹6,000 walks past · 0.50% on every rupee past that ceiling — 20 RP per ₹100 · but capped at 400 RP a statement cycle, so ₹100 a month and no more · the issuer also charges: Utility spend above ₹50,000 a cycle also draws a 1% fee. · ₹500/yr · the desk's own verdict is downgrade |
| 76 | DBS Vantage | ₹1,440 | 2.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹20,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 77 | SpiceJet Axis Bank Voyage Black | ₹1,080 | 1.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: Axis-wide 1% utility fee above ₹25k/cycle · ₹2,000/yr · the desk's own verdict is downgrade |
| 78 | YES Bank BYOC (Rewards) | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹588/yr · the desk's own verdict is downgrade |
| 79 | SpiceJet Axis Bank Voyage | ₹540 | 0.75% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹750/yr · the desk's own verdict is downgrade |
| 80 | YES Bank Wellness Plus | ₹540 | 0.75% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 81 | YES Bank RESERV | ₹540 | 0.75% on a utility bill — the card's REDUCED utility rate — 'Select category' 6 RP/₹200 (0.75%) · utility RP capping per YES MITC · ₹2,499/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 82 | IndusInd Bank Nexxt Credit Card | ₹384 | 0.53% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0/yr · ₹10,000 joining (one-time) · the desk's own verdict is downgrade |
| 83 | Standard Chartered EaseMyTrip | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹350/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 84 | YES Bank Wellness | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: YES charges a 1% fee + GST on every utility transaction once cumulative utility… · ₹499/yr · the desk's own verdict is downgrade |
| 85 | IRCTC BOBCARD | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹500 joining, then ₹350/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 86 | Adani One ICICI Bank Platinum | ₹360 | 0.50% on a utility bill — the card's REDUCED utility rate — 0.5 per ₹100 vs 1 per ₹100 on domestic retail · ₹750/yr · the desk's own verdict is downgrade |
| 87 | YES Essence | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹799/yr · the desk's own verdict is downgrade |
| 88 | YES Bank ELITE+ | ₹360 | 0.50% on a utility bill — the card's REDUCED utility rate — A Select category at 4 points per ₹200 vs 6 points per ₹200 on ordinary offline spend · and capped at 300 points a statement cycl… · ₹999/yr · the desk's own verdict is downgrade |
| 89 | SBI Card PULSE | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 90 | Reliance SBI Card PRIME | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹2,999/yr · the desk's own verdict is downgrade |
| 91 | Adani One ICICI Bank Signature | ₹360 | 0.50% on a utility bill — the card's REDUCED utility rate — 0.5 Adani Reward Points/₹100 vs 1.5 Adani Reward Points/₹100 on ordinary retail · ₹5,000/yr · the desk's own verdict is downgrade |
| 92 | RBL Icon | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹5,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 93 | Apollo SBI Card SELECT | ₹324 | 0.45% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 94 | Kotak UPI RuPay | ₹216 | 0.30% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a 1% fee starts at the same ₹35,000 · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 95 | Kotak League Platinum | ₹193 | 0.27% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: The 1% utility fee starts at the same ₹35,000 · ₹499/yr · the desk's own verdict is downgrade |
| 96 | ICICI Bank Expressions | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 3 RP per ₹100 on retail · and only on the first ₹40,000 of utility spend a statement cycle · ₹499/yr · the desk's own verdict is downgrade |
| 97 | YES Bank ACE | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — A Select category at 2 points per ₹200 vs 4 points per ₹200 on ordinary offline spend · against 1,250 on Marquee and no cap at al… · the issuer also charges: YES charges a 1% fee + GST on every utility transaction once cumulative utility… · ₹499/yr · the desk's own verdict is downgrade |
| 98 | ICICI Bank Coral | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and only on the first ₹40,000 of utility spend a statement cycle (MITC… · the issuer also charges: Utility spend above ₹50,000 in a cycle also draws a 1% fee. · ₹500/yr · the desk's own verdict is downgrade |
| 99 | ICICI Bank Coral against FD | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and only on the first ₹40,000 of utility spend a statement cycle (MITC cap ta… · ₹500/yr · the desk's own verdict is downgrade |
| 100 | YES Bank SELECT | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — A Select category at 2 points per ₹200 vs 4 points per ₹200 on ordinary offline spend · and capped at 150 points a statement cycl… · ₹599/yr · the desk's own verdict is downgrade |
| 101 | ICICI Bank NRI Coral | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · the issuer also charges: Utility transactions above ₹50,000 also draw a 1% fee (w.e.f · ₹1,000 joining, then ₹500/yr · the desk's own verdict is downgrade |
| 102 | AU Ananta | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP/₹100 (0.25%) · capped 100 RP/txn (Apr-2024 rule) · the issuer also charges: 1% fee past ₹50k/month (official KFS) · ₹2,000/yr · the desk's own verdict is cancel |
| 103 | AU Vetta | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP/₹100 · the issuer also charges: 1% fee past ₹50k/month (official KFS) · ₹2,999/yr · the desk's own verdict is cancel |
| 104 | ICICI Bank Rubyx | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP/₹100 (vs 2/₹100 domestic) per the official earn table · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 105 | ICICI Bank Rubyx against FD | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and only on the first ₹80,000 of utility spend a statement cycle (MITC cap ta… · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 106 | AU Zenith+ | ₹180 | 0.25% on a utility bill — the card's ordinary rate, no utility accelerator published; the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a utility bill alone and none is applied here · the issuer also charges: 1% fee past ₹50k/month (official KFS) · ₹4,999/yr · the desk's own verdict is cancel |
| 107 | ICICI Sapphiro | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP/₹100 vs 2/₹100 domestic (official page) · utility+insurance spend cap ₹40k–80k/cycle from 15-Nov-2024 (tier ambiguity · ₹6,500 joining, then ₹3,500/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 108 | ICICI Bank NRI Sapphiro | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · the issuer also charges: Utility transactions above ₹50,000 also draw a 1% fee. · ₹6,500 joining, then ₹3,500/yr · the desk's own verdict is downgrade |
| 109 | AU Zenith | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP/₹100 · capped 100 RP/txn (official product page) · the issuer also charges: 1% fee past ₹50k/month · ₹7,999/yr · the desk's own verdict is cancel |
| 110 | ICICI Bank Emeralde | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 4 RP per ₹100 on retail · and only on the first ₹80,000 of utility spend a statement cycle · ₹12,000/yr · the desk's own verdict is downgrade |
| 111 | IndusInd Platinum Aura Edge | ₹144 | 0.20% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee on utility spend above ₹25,000 a cycle either way · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 112 | HDFC Bank Freedom | ₹54 | 0.07% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 113 | PhonePe SBI Card SELECT BLACK | ₹7,200 | 10.00% through PhonePe · the rate stops at ₹15,000 of bills a month · 1.00% on every rupee past that ceiling, and 0.00% on the same bill paid anywhere else — 10 RP per ₹100, capped at 1,500 RP a month (500 on insurance) · ₹1,499/yr · availability not published |
| 114 | Axis Bank PRIMUS | ₹3,600 | 5.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application |
| 115 | HDFC Infinia Metal | ₹2,398 | 3.33% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: 1% fee on utility txns >₹50k (1-Jul-2025) · ₹12,500/yr · invite-only — not on open application |
| 116 | Air India SBI Signature Card | ₹2,304 | 3.20% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹4,999/yr · closed to new applicants |
| 117 | PhonePe SBI Card PURPLE | ₹2,160 | 3.00% through PhonePe · the rate stops at ₹25,000 of bills a month · 1.00% on every rupee past that ceiling, and 0.00% on the same bill paid anywhere else — 3 RP per ₹100, capped at 750 RP a calendar month on non-insurance spend and 250 RP a month on insur… · ₹499/yr · availability not published |
| 118 | ICICI Emeralde Private Metal | ₹2,160 | 3.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹12,499/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 119 | YES Private | ₹1,800 | 2.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: the 1% utility fee only starts once last month's utility spend passed ₹1,00,000 · ₹50,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 120 | DBS Altitude | ₹1,440 | 2.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹4,999/yr · invite-only — not on open application |
| 121 | Standard Chartered Beyond | ₹1,440 | 2.00% on a utility bill — the card's REDUCED utility rate — 3 RP per ₹150 (2%) instead of 5 · uncapped · ₹15,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 122 | Club Vistara SBI Card PRIME | ₹1,152 | 1.60% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0/yr · ₹2,999 joining (one-time) · closed to new applicants |
| 123 | Club Vistara SBI Card | ₹864 | 1.20% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0/yr · ₹1,499 joining (one-time) · closed to new applicants |
| 124 | Axis Bank Freecharge Plus | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: A separate 1% fee applies above ₹25,000 of utility spend a cycle · ₹350/yr · invite-only — not on open application |
| 125 | Paytm SBI Card | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹499/yr · availability not published |
| 126 | Amex Gold Charge | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,000 joining, then ₹4,500/yr · issuance paused |
| 127 | Paytm SBI Card SELECT | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,499/yr · availability not published |
| 128 | HDFC Regalia | ₹720 | 1.00% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹2,500/yr · closed to new applicants |
| 129 | Flipkart Axis Bank Super Elite | ₹576 | 0.80% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹500/yr · issuance paused |
| 130 | IndusInd Pioneer Heritage | ₹576 | 0.80% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹1,00,000 joining, then ₹25,000/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 131 | IDFC FIRST Gaj | ₹481 | 0.67% on a utility bill · no ceiling published on this rung — 1 RP per ₹150 ≈ 0.67% · utilities also draw a 1% fee past ₹50k a cycle · the issuer also charges: Gaj is the ONLY IDFC card whose 1% utility fee starts at ₹50,000 a cycle · ₹12,500/yr · invite-only — not on open application |
| 132 | IDFC FIRST Private | ₹481 | 0.67% on a utility bill · no ceiling published on this rung — 1 RP per ₹150 ≈ 0.67% · ₹50,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 133 | IndusInd PIONEER Private | ₹403 | 0.56% on a utility bill — the card's REDUCED utility rate — 0.7 RP/₹100 vs 3 RP/₹100 · the issuer also charges: the 1% fee on utility spend above ₹25,000 a cycle still applies · ₹25,000/yr · invite-only — not on open application |
| 134 | IndusInd Pioneer Legacy | ₹403 | 0.56% on a utility bill — the card's REDUCED utility rate — 0.70 RP/₹100 vs 1 RP/₹100 on weekdays · the issuer also charges: 1% fee on utility spend above ₹25,000 a cycle · ₹0/yr · ₹50,000 joining (one-time) · invite-only — not on open application |
| 135 | IndusInd Iconia Amex | ₹376 | 0.52% on a utility bill — the card's REDUCED utility rate — 0.70 RP/₹100 vs 1.5 RP/₹100 on weekdays · the issuer also charges: 1% fee on utility spend above ₹25,000 a cycle · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants |
| 136 | YES First Preferred | ₹360 | 0.50% on a utility bill — the card's REDUCED utility rate — A Select category at 4 points per ₹200 vs 8 points per ₹200 on every other eligible spend · and capped at 300 points a statement… · ₹999/yr · closed to new applicants |
| 137 | Kotak Privy League Signature | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹2,500/yr · closed to new applicants · the desk's own rule here is flagged unverified — ranked, not crowned |
| 138 | KVB SBI Platinum Card | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: the MITC's 1% utility fee past ₹50,000 a cycle still applies · ₹2,999/yr · availability not published |
| 139 | South Indian Bank SBI Platinum Card | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: the MITC's 1% utility fee past ₹50,000 a cycle still applies · ₹2,999/yr · availability not published |
| 140 | KVB SBI Signature Card | ₹360 | 0.50% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹4,999/yr · availability not published |
| 141 | Indus Solitaire | ₹278 | 0.39% on a utility bill — the card's REDUCED utility rate — 0.7 RP/₹100 vs 1 RP/₹100 · the issuer also charges: the 1% fee on utility spend above ₹25,000 a cycle still applies · ₹30,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 142 | Kotak Royale Signature | ₹239 | 0.33% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: the 1% utility fee starts at the same ₹50,000 · ₹1,499 joining, then ₹999/yr · closed to new applicants |
| 143 | IndusInd Indulge | ₹202 | 0.28% on a utility bill — the card's REDUCED utility rate — 0.70 RP/₹100 vs 1.5 RP/₹100 · the issuer also charges: 1% fee on utility spend above ₹25,000 a cycle · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 144 | Chennai Super Kings ICICI Bank | ₹180 | 0.25% on a utility bill — the card's REDUCED utility rate — 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and only on the first ₹40,000 of utility spend a statement cycle · ₹500/yr · closed to new applicants |
| 145 | OneCard Metal | ₹144 | 0.20% on a utility bill — the card's ordinary rate, no utility accelerator published · ₹0 — lifetime free · issuance paused · the desk's own rule here is flagged unverified — ranked, not crowned |
| 146 | Axis Bank Signature | ₹144 | 0.20% on a utility bill — the card's ordinary rate, no utility accelerator published · the issuer also charges: a 1% fee applies on cumulative utility spends of ₹25,000 or more a statement cy… · ₹1,500 joining, then ₹1,000/yr · closed to new applicants |
| 147 | IndusInd Celesta | ₹137 | 0.19% on a utility bill — the card's REDUCED utility rate — 0.70 RP/₹100 vs 1 RP/₹100 domestic · the issuer also charges: 1% fee on utility spend above ₹25,000 a statement cycle · ₹25,000 joining, then ₹5,000/yr · invite-only — not on open application |
| 148 | IndusInd Crest | ₹137 | 0.19% on a utility bill — the card's REDUCED utility rate — 0.70 RP/₹100 vs 1 RP/₹100 · the issuer also charges: 1% fee on utility spend above ₹25,000 a cycle · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application |
Pays nothing on a utility bill — or no number we will stand behind — 127 cards, each with the reason
- Axis Magnus for Burgundy — your electricity bill earns nothing on this card — Same as Magnus
- Axis Olympus — 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
- Axis Burgundy Private — your electricity bill earns nothing on this card — No EDGE RP on utilities (CardInsider)
- Axis Magnus — your electricity bill earns nothing on this card — 'Utility & Telecom' zero since 20-Apr-2024
- RBL Nova — your electricity bill earns nothing on this card — "Utilities" in the official rbl.bank.in exclusion list
- HSBC TravelOne — your electricity bill earns nothing on this card — MCC 4900 (note: 4899/4816 NOT listed · cable/other-utility MCCs technically earn · edge case)
- Kotak Air+ Prime — 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
- Kotak Air+ — your electricity bill earns nothing on this card — "Utility/Telecom" in the published no-earn list
- KrisFlyer SBI Card APEX — your electricity bill earns nothing on this card — Zero miles · MCC 4900 · 4814 · 4899 · 9399 in the T&C's exclusion table
- Axis Bank Reserve — your electricity bill earns nothing on this card — 'Utility & Telecom' zero
- Axis Horizon — your electricity bill earns nothing on this card — MCC 4814/4816/4899/4900 zero
- Axis Miles & More World Select — your electricity bill earns nothing on this card — Excluded · community/flag
- Scapia (Federal Bank) — 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
- SBI Card MILES PRIME — your electricity bill earns nothing on this card — MCC 4900/4814/4899/9399 · full exclusion · no partial earn
- Axis Miles & More World — your electricity bill earns nothing on this card — Excluded · community/flag
- Axis Bank SELECT — 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
- Kotak Air — your electricity bill earns nothing on this card — "Utility/Telecom" in the published no-earn list
- Amazon Pay ICICI Bank — 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"
- HSBC Platinum — 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…
- HSBC RuPay Platinum — 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…
- RBL Platinum Maxima — 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
- RBL Platinum Maxima Plus — 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
- TVS Credit RBL Bank Gold — 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
- IndiGo SBI Card ELITE — your electricity bill earns nothing on this card — Zero BluChips · in SBI's published exclusion list
- IndiGo Kotak Premium Credit Card — your electricity bill earns nothing on this card — Utilities in the published exclusion list
- IndiGo Axis Bank Premium Credit Card — your electricity bill earns nothing on this card — "Utility Services (Including Telecom)" in the card's published exclusion list
- Emirates Skywards ICICI Bank Emeralde — your electricity bill earns nothing on this card — Zero miles (official card-page exclusion list)
- Kotak Solitaire — 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
- SBI Card MILES ELITE — your electricity bill earns nothing on this card — MCC 4900/4814/4899/9399 · full exclusion · no partial earn
- IndiGo SBI Card — your electricity bill earns nothing on this card — Zero BluChips · in SBI's published exclusion list
- IndiGo Kotak Credit Card — your electricity bill earns nothing on this card — Utilities in the published exclusion list
- RBL World Safari — your electricity bill earns nothing on this card — MCC 4900 (4814/4816/4899 not listed · same narrow-utilities quirk as HSBC)
- RBL World Safari Lite — your electricity bill earns nothing on this card — Named in §3.4(d) as ineligible to earn
- RBL Platinum Edge — 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
- RBL World Safari Plus — 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
- KrisFlyer SBI Card — your electricity bill earns nothing on this card — Zero miles · in SBI's published exclusion list
- Emirates Skywards ICICI Bank Sapphiro — your electricity bill earns nothing on this card — Zero miles (official card-page exclusion list)
- MakeMyTrip ICICI Bank — your electricity bill earns nothing on this card — ICICI utility bucket → zero · community mapping · flag
- Axis Bank Privilege — 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
- Kotak White Reserve — your electricity bill earns nothing on this card — No per-swipe points · flag)
- RBL Bank Patanjali Swarn — 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
- TVS Credit RBL Bank — 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
- RBL Bank Blockbuster — 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
- RBL Platinum LifeEasy — 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
- IndianOil Axis Bank Premium — 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
- IndiGo Axis Bank Credit Card — your electricity bill earns nothing on this card — "Utility Services (Including Telecom)" in the card's published exclusion list
- SBI Card MILES — your electricity bill earns nothing on this card — MCC 4900/4814/4899/9399 · full exclusion · no partial earn
- RBL Signature Banking — 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
- RBL Aspire Banking — 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
- RBL Apex — 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
- IRCTC RBL Bank Credit Card — 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
- BOBCARD Uni GoldX — your electricity bill earns nothing on this card — Named verbatim in the MITC's rewards exclusion list
- YES Bank Zagg Credit Card — 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…
- Axis Bank My Zone — 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
- Axis Bank REWARDS — your electricity bill earns nothing on this card — "Utility and certain telecom" · the T&C's own hedged wording · quoted rather than tidied
- Flipkart Axis Bank Credit Card — 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
- Axis Bank NEO — 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
- Titan SBI Card — 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% an…
- CASHBACK 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 ₹50,000…
- Axis Bank SuperMoney RuPay — your electricity bill earns nothing on this card — "Utility Services" earn nothing
- Kotak Cashback+ — your electricity bill earns nothing on this card — Utilities earn nothing on this card
- Kotak Cashback+ Prime — your electricity bill earns nothing on this card — Utilities earn nothing
- Axis Bank Freecharge — 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
- Axis Bank Pride 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
- Axis Bank Pride Signature — 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
- Axis Bank Titanium Smart Traveller — your electricity bill earns nothing on this card — Utility payments earn no EDGE REWARD Points
- IndianOil Axis Bank Credit Card — your electricity bill earns nothing on this card — and 1% + GST above ₹25,000 of cumulative utility spend a statement period
- LIC Axis Bank Platinum — 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
- ICICI Bank Parakram — 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
- ICICI Bank Parakram Select — 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
- Utkarsh Eternal Credit Card — your electricity bill earns nothing on this card — Named on the ineligible list as 'Utility Payments (Electricity · Telephone · Internet · Water etc)' · zero cashback
- Utkarsh Rhodium Credit Card — your electricity bill earns nothing on this card — Named on the ineligible list as 'Utility Payments (Electricity · Telephone · Internet · Water etc)' · zero cashback
- Utkarsh SmartGen Credit Card — your electricity bill earns nothing on this card — Named on the ineligible list as 'Utility Payments (Electricity · Telephone · Internet · Water etc)' · zero cashback
- Axis Bank Shoppers Stop Credit Card — 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
- RBL Platinum Delight — 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 rail is named separately… — AND the issuer charges: 1% fee past ₹50,000 a month (MITC)
- RBL Platinum ShopGain — 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…
- RBL Platinum Max — your electricity bill earns nothing on this card — RBL also charges 1% on aggregate utility spend past ₹50,000 a month per card (MITC)
- RBL Platinum Prime — your electricity bill earns nothing on this card — Zero RP since 13-Nov-2023 · "Utilities" (MCC 4900) · RBL's own Bills2Pay rail is excluded separately — AND the issuer charges: 1% fee past ₹50,000 of utility spend a month (MITC)
- RBL Platinum Plus — 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)
- RBL Platinum Choice — 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)
- RBL Platinum Advantage — 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)
- RBL Binge — your electricity bill earns nothing on this card — Zero RP since 13-Nov-2023 · "Utilities" (MCC 4900) · and the 12-RP online rung excludes utility spend by name too · so paying a p… — AND the issuer charges: 1% fee past ₹50,000 a month (MITC)
- RBL MyFirst — 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 Payme…
- RBL EasySaver — 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 rath…
- RBL Shoprite — 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)
- RBL Movies and More — 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)
- RBL Patanjali Vishisht — 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)
- RBL Bank SalarySe UP — 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)
- RBL Bank DMI Finance — 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)
- RBL Paisabazaar Duet — your electricity bill earns nothing on this card — No cashback · "Utilities" (MCC 4900) · with "Bills2Pay" listed as a separate row (RBL's own bill rail in the MyBank app and inter… — AND the issuer charges: 1% fee past ₹50,000 of utility spend a month (MITC)
- RBL Paisabazaar Duet Plus — 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)
- RBL BankBazaar SaveMax — 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)
- RBL Cookies — 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)
- AU Altura Credit Card — 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 exc…
- Suryoday SFB RuPay Platinum — your electricity bill earns nothing on this card — MCC 4900 · "Electric · Gas · Sanitary and Water Utilities" · earns no cashback
- Suryoday SFB RuPay Select — your electricity bill earns nothing on this card — MCC 4900 earns no cashback
- Paisabazaar Paisa Plus Credit Card — your electricity bill earns nothing on this card — "Utilities" are named in the exclusion prose
- Paisabazaar Step-Up SBM Credit Card — your electricity bill earns nothing on this card — "Utility Payment · 4900"
- CUB CSK Master Platinum — 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 n… — AND the issuer charges: A 1% utility transaction fee also applies above ₹25,000 of cumulative utility s…
- CUB SRH Master Platinum — 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
- CUB CSK RuPay Platinum — 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
- CUB SRH RuPay Platinum — 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
- CUB CSK Master World — 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 n… — AND the issuer charges: A 1% utility transaction fee also applies above ₹25,000 of cumulative utility s…
- CUB SRH Master World — 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
- IndianOil RBL Bank Credit Card — your electricity bill earns nothing on this card — No Fuel Points · "Utilities" (MCC 4900) on the T&C's §3.7 exclusion table
- IndianOil RBL Bank XTRA 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
- RBL Bank Shoppers Stop Black — 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
- RBL Bank Shoppers Stop Platinum — 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
- RBL Bank Shoppers Stop Gold — 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
- Amex Platinum Travel — 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
- Amex Platinum Charge — your electricity bill earns nothing on this card — Official FAQ: Platinum earns NO MR on utilities
- Amex Membership Rewards Card — 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
- Amex Platinum Reserve — your electricity bill earns nothing on this card — Official: no MR on utilities
- Scapia (BOBCARD) — your electricity bill earns nothing on this card — 27-Feb-2026 (Scapia devaluation notice) — AND the issuer charges: 1% fee past ₹50k/month
- RBL World Plus — 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
- RBL World Prime — 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
- RBL World Max — 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
- Axis Atlas — your electricity bill earns nothing on this card — 4814/4816/4899/4900 · zero since 20-Apr-2024
- Axis Bank Vistara Infinite Credit Card — your electricity bill earns nothing on this card — "Utility bill payment" · named in the post-merger list
- HDFC Harley-Davidson Diners Club — 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
- RBL Bank Black — 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
- Emirates Skywards ICICI Bank Rubyx — your electricity bill earns nothing on this card — Zero Miles w.e.f · 15 Jan 2026 · quoted verbatim in the MITC
- Axis Bank Vistara Signature Credit Card — your electricity bill earns nothing on this card — "Utility bill payment" · named in the post-merger list
- Axis Bank Vistara Credit Card — your electricity bill earns nothing on this card — "Utility bill payment" · named in the post-merger list
- Air India SBI Platinum Card — your electricity bill earns nothing on this card — utilities earn the base 2 RP/₹100
- RBL Bank novio — 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
- RBL vCard — your electricity bill earns nothing on this card — No Reward Points · MCC 4900
4 more questions about this board — how the rate is worked out, and what else readers ask
How is this ranking computed?
THE COUNT FIRST, THEN THE RATE. A card whose published utilities rule zeroes the category is not ranked at ₹0 — a zero is a finding, not a position — so it is named below the table with its own rule, and 121 of the 269 we could price sit there. Of the rest: (1) THE RATE is first-tier earn × the card's published utilities treatment × its currency's house ₹/point — the same expression /spends, /spends/utilities and /wallet crown on — raised only where the card's own earn table publishes a utility rung AND the desk's `utilities` rule in data/mcc.yaml states the same number. (2) THE CEILING is converted to ₹ of bills a month and applied; above it the card earns its ordinary utility rate, and its own monthly earn cap bounds the lot. A rung that SAYS it is capped in units nothing here converts — Paytm HDFC Bank Select's 5% is "Capped at 1,500 CashPoints a calendar month", a real ceiling stated in reward units this board cannot turn into rupees of bill — is refused rather than priced as uncapped, which is the reading that would otherwise crown this board; 2 cards are ranked at the category rate for that reason and each row says so. 4 more cards rank at the category rate for a different reason: the desk's own rule puts their ceiling in ONE bucket shared across categories with no published split, so no ceiling is applied to a utility bill — each row says so. (3) THE LOCK is printed and not discounted: 6 of the 16 priced accelerators exist only inside an app — Google Pay, the Airtel Thanks app, Paytm, CheQ — and the row says which. WHAT IS NOT IN THE NUMBER: the 1% utility fee. 64 ranked rules carry one and every row that does quotes it verbatim, but the issuers write it against different denominators — a transaction on one card, a statement cycle on the next — and the rupee figure beside it is as often the fee's own CAP as its trigger. Netting a charge whose shape we have not modelled would be inventing a number. Nor is a bill-payment CASHBACK OFFER added: those are dated promotions, and /tracker/offers carries them with their end dates. ₹6,000 a month is an urban household's electricity, gas, water and broadband together, and it is stated because it decides which ceilings bind. 275 priced cards carry a utilities rule on the fine-print desk; 370 priced cards have no utilities rule here yet and appear on no part of this page.
How many cards are in this utilities ranking?
148 of the 973 Indian personal cards on the desk are ranked here. 127 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 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 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 /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
The records behind this board — the card records this ranks and the utilities rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board 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.
Which credit cards for utility bills in India have no annual fee?
20 of the 148 ranked here are lifetime free. The best on ₹/yr at ₹6,000/mo of bills is ixigo AU at ₹900. This board's call, HSBC Live+, costs ₹999/yr and reaches ₹7,200 — that gap is what the fee buys.
How utilities got here
5 tracker events whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
- HDFC caps utility, telecom and cable rewards HDFC Bank
- HDFC adds 1% fees on rent, big utility and third-party education HDFC Bank
- Axis Vistara card cuts CV Points on govt and utility spends Axis Bank
- Citi India guts reward earning on utilities, insurance, and tax Citibank India
- Amex India cuts Membership Rewards on fuel and utility bills American Express
Not published
830 cards on the desk have no rule we could read for utilities. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 830
DBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES Private PrimeHSBC PrivéHSBC TajScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardAU CA MetalAU CSHSBC RuPay CashbackEquitas Selfe Credit CardNiyo Global SBM Credit CardRBL iGlobeEazyDiner IndusInd SignatureTata Neu Plus HDFC BankRBL Insignia Preferred Banking World CardShoppers Stop Black HDFC BankKotak WhiteKotak NRI Royale SignatureStandard Chartered RewardsHDFC PIXEL GoIRCTC SBI Platinum CardUnion Bank UNICORNUnion Bank NEXTERIAFederal Bank ImperioIRCTC HDFC Bank Credit CardUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardUnion JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumFederal Bank SignetLIC Axis Bank SignatureFibe Axis Bank Credit CardSamsung Axis Bank SignatureAU Bank Traverse Credit Card (NRI)RBL LumièreHDFC Bank PIXEL PlayIDFC FIRST SWYPLandmark Rewards SBI Card PRIMECRED IndusInd Bank RuPay Credit CardDBS SuperXDBS SuperX PlusPaytm HDFC Bank DigitalPaytm HDFC Bank MobilePaytm HDFC BankAxis Bank KwikAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumBPCL SBI CardGoogle Pay Flex Axis BankIOB VISA Signature Credit CardIOB VISA Platinum Credit CardKotak811 Super Money CardSimplySAVE SBI CardLandmark Rewards SBI Card SELECTLandmark Rewards SBI CardReliance SBI CardShoppers Stop HDFC BankICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexKrishak Unnati SBI CardSwiggy Ornge HDFC Bank Credit CardSwiggy BLCK HDFC Bank Credit CardUtkarsh superCardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredHDFC Bank UPI RuPay Mega SaverHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered SmartStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB PayLess Select Credit CardDCB novio Credit Card (RuPay Select)DCB PayLess Platinum Credit CardDCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM MobiKwik First Credit CardSBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Solitaire BusinessKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Corporate T&E PlatinumRBL Corporate T&E GoldRBL RazorpayX Corporate T&ERBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)IB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnPNB LUXURA Metal (RuPay)PNB LUXURA Metal (Visa Infinite)PNB Zaggle TwinCanara Bank Select / World / SignatureCanara Bank PlatinumPNB SALARY RuPay SelectPNB BLISSPNB SALARY RuPay PlatinumPNB EMT RuPay PlatinumPNB RuPay PlatinumPNB Patanjali RuPay SelectPNB RuPay MillennialPNB Visa SignaturePNB RuPay SelectApollo SBI CardShaurya SBI CardDoctor's SBI CardShaurya Select SBI CardSBI Card UnnatiDelhi Metro SBI CardCentral SBI Select CardIndian Overseas Bank RuPay SelectIndian Overseas Bank RuPay PlatinumIndian Overseas Bank RuPay ClassicRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteMakeMyTrip ICICI Bank SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumHDFC Regalia ActivIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardIOB Gold Credit CardIOB Classic Credit CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicMyntra KotakKotak Best Price BusinessHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.