Hey guys, every month we get bills for electricity, mobile recharge, gas, water, broadband, and the money just flies away! But if you use the right credit card, you can get cashback or rewards on these bills too โ meaning you save money and get extra benefits!
In 2025, some cards offer amazing returns on utility payments. I’ve done the research, and here are the top options. I’ll explain in simple terms which card is best for whom, so you can easily choose!
Top Cards That Give Rewards on Utility Bills
1. Airtel Axis Bank Credit Card
If you are an Airtel user or pay utility bills through the Airtel Thanks app, this card is a killer! You get 10% cashback on utility payments (like electricity, gas, water) โ maximum โน250 per month. 25% cashback on Airtel bills! Also 10% cashback on Swiggy, Zomato, and BigBasket. The annual fee is โน500, but the benefits easily cover it.
2. Axis Bank ACE Credit Card
This card is great for those who pay utility bills through Google Pay โ 5% unlimited cashback! Works on electricity, mobile, DTH, everything. 1.5% cashback on offline spends and extra benefits on dining. It has a lifetime free or low fee option, perfect for beginners.
3. HDFC Tata Neu Infinity/Plus Card
Pay bills through the Tata Neu app, and you get 5% NeuCoins back (which you can use at Tata stores). No strict cap on utility, and more benefits on high spends. Good rewards on shopping and travel too. A premium-feeling card, but gives solid returns on utilities.
4. Amazon Pay ICICI Credit Card
It’s a lifetime free card, and you get 2% cashback on paying utility bills through Amazon Pay (5% on Amazon spends for Prime members). Simple and no-fuss, extra fun if you use Amazon a lot.
5. SBI Cashback Card
5% cashback on online spends, and if you pay bills by purchasing Amazon Pay gift vouchers, there’s an indirect benefit. Limited on direct utility payments, but overall it’s the cashback king for those with low spending.
| Card Name | Rewards on Utility | Max Cashback/Cap | Annual Fee | Other Benefits |
|---|---|---|---|---|
| Airtel Axis | 10% cashback (Airtel Thanks app) | โน250/month | โน500 | 25% Airtel bills, lounge access |
| Axis ACE | 5% cashback (Google Pay) | Unlimited | Low/LTF options | 1.5% offline, dining discounts |
| HDFC Tata Neu Infinity | 5% NeuCoins (Tata Neu app) | High cap | โน1499 | Extra rewards on Tata brands |
| Amazon Pay ICICI | 2% cashback (Amazon Pay) | Unlimited | Lifetime Free | 5% Amazon (Prime) |
| SBI Cashback | Indirect via vouchers | 5% online | โน999 | Broad online cashback |
Pros and Cons
Pros
- Cashback or rewards on bills every month โ save money!
- High returns when paying through specific apps (Google Pay, Airtel Thanks, Tata Neu).
- Extra benefits like lounge access, dining discounts.
- Some cards are lifetime free or have low fees.
- Credit score improves with timely payments.
Cons
- Often requires paying through a specific app to get the benefit.
- There are monthly caps (like โน250), those with high bills will need multiple cards.
- Convenience fees may apply on some platforms.
- Rewards may be excluded if paid directly to the biller.
- Cards with annual fees require meeting a spending target for a waiver.
Conclusion
To get the best benefits on utility bills in 2025, try cards like Airtel Axis or Axis ACE โ depending on which app you use the most! If you have high bills, you can combine multiple cards for maximum savings.
These cards not only make paying bills easier, but also put a little extra cashback in your pocket. Which card do you use or are you planning to try? Let us know in the comments, and if you liked it, share it!
