Every month, you get bills for electricity, mobile recharge, gas, water, right? This money is going to be spent anyway, so why not pay with a credit card and get some cashback or rewards back.
Nowadays, many cards offer up to 5–10% cashback on utility bills, but you have to pay through specific apps like Google Pay or Airtel Thanks. I have checked the top cards, and here I am explaining in a simple way which card is best for you.
Airtel Axis Bank Credit Card: Absolutely Solid for Airtel Users
If you use an Airtel connection, this card is perfect. You get 10% cashback on paying utility bills (electricity, gas, water) through the Airtel Thanks app (max ₹250 per month).
On your own Airtel bills (mobile, broadband, DTH), you get 25% cashback (max ₹250). There is also 10% cashback on Swiggy and Zomato.
The joining fee is ₹500, and it gets waived on spending. Cashback is adjusted directly in the statement, no tension.
Axis Bank ACE Credit Card: Best for Google Pay Users
Do you pay bills through Google Pay? Then this card is for you. You get 5% cashback on utility bills and mobile recharge (combined cap of ₹500 with other categories).
You also get 4% cashback on Swiggy, Zomato, and Ola, and 1.5–2% unlimited cashback on everything else.
The fee is ₹499, which gets waived on spending. Lounge access is also available. A great choice for Android users.
Swiggy HDFC Bank Credit Card: Food + Bills Combo
If you order food from Swiggy and also pay bills online, this card gives good value. It does not offer very high cashback on utilities, but you get up to 5–10% benefits on online spends and Swiggy orders.
It gives indirect benefits for bill payments and works well for food lovers.
SBI Cashback Credit Card: For Simple Online Bills
If you do everything online, this card is very reliable. You get 5% cashback on online spends (including bill payments made online), up to ₹5000 per month.
Offline spends give 1% cashback. There is no app restriction. The fee is ₹999, which is waived on spending.
Standard Chartered Super Value Titanium: Old School Cashback
This card gives 5% cashback on utility bills like phone and fuel. The maximum cashback ranges from ₹100 to ₹500 per month, depending on the category.
It is a simple and low-fee option, but slightly less attractive compared to newer cards.
| Card Name | Cashback on Bills | Max Cap | Joining Fee | Best For |
|---|---|---|---|---|
| Airtel Axis | 10% (Airtel Thanks App) | ₹250/month | ₹500 | Airtel Users |
| Axis ACE | 5% (Google Pay) | ₹500 (Combined) | ₹499 | Google Pay Users |
| Swiggy HDFC | Indirect (Online) | Varies | ₹500 | Food + Bills |
| SBI Cashback | 5% Online | ₹5000/month | ₹999 | General Online Bills |
| SC Super Value | 5% Utility | ₹100–500 | ₹750 | Basic Cashback |
Pros and Cons
Pros:
- 5–10% cashback on monthly bills can save thousands yearly.
- Extra rewards for payments through specific apps.
- Bonus benefits like lounge access and dining discounts.
- Cashback is directly adjusted in the statement.
Cons:
- Requires using a specific app like Google Pay or Airtel Thanks.
- Monthly caps limit maximum savings.
- Convenience fees may apply on some platforms.
- Spending targets must be met to waive renewal fees.
Conclusion
These cards are the best way to get cashback on online bill payments. If you use Airtel, go with Airtel Axis. If you use Google Pay, choose Axis ACE. For simple online payments, SBI Cashback works best.
Choose based on your bill payment pattern and save good money every year. Which card do you use or plan to use?
