HSBCVisa
HSBC Live+
Net savings₹16,038/yr
Savings rate4.2%
Annual feeWaived ₹1,179
Lounge✈2 dom🌏1 intl
✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹14,400 a…
Best for · Bills · updated 2026-09-19
Best credit cards for electricity, mobile and utility bills
Every card scored in rupees for this use, not a hand-picked list. Numbers assume the profile stated below – set up yours to re-rank for your spend.
Best credit card for utility and electricity bills (Sept 2026): HSBC Live+ – about 6.0% back on ₹8,000/month of utility and electricity bills, ₹16,038 net a year after fee. Runners-up: Membership Rewards (MRCC) and ACE. Ranked for ₹8,000 a month of electricity, broadband, mobile and DTH bills.
Standard profile
Scored for Utility and electricity bills profile · ₹38k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 for utility and electricity bills
American ExpressAmerican Express
Membership Rewards (MRCC)
Net savings₹14,652/yr
Savings rate3.9%
Annual feeWaived ₹5,310
Lounge✈ none
✓ Base rate 1% on other spends earns you about ₹2,292 a year on ₹2,29,200 of spend.
All 119 cards ranked for utility and electricity bills
| # | Card | Score | Net savings / yr | On utility and electricity bills / yr | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | HSBC Live+HSBC | 100/100 | ₹16,038 4.2% rate | ₹5,760 6.0% back | Waived | 2 domestic + 1 international/yr |
| 2 | Membership Rewards (MRCC)American Express | 73/100 | ₹14,652 3.9% rate | nothing – excluded or ₹0 | Waived | No lounge access |
| 3 | ACEAxis Bank × Google Pay | 69/100 | ₹6,864 1.8% rate | ₹1,920 2.0% back | Waived | 4 domestic/yr |
| 4 |  Myntra KotakKotak Mahindra Bank | 67/100 | ₹6,825 1.8% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 5 |  FIRST Power+IDFC FIRST Bank × HPCL | 65/100 | ₹9,048 2.0% rate | ₹3,310 3.4% back | Waived | 4 domestic/yr |
| 6 |  RewardsAxis Bank | 60/100 | ₹6,233 1.6% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 7 |  BOBCARD ETERNABank of Baroda | 60/100 | ₹6,183 1.6% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 8 |  Tata Neu Infinity HDFC BankHDFC Bank | 59/100 | ₹6,624 1.5% rate | ₹1,440 1.5% back | Waived | 8 domestic + 4 international/yr |
| 9 |  LITAU Small Finance Bank | 59/100 | ₹6,405 1.7% rate | nothing – excluded or ₹0 | Free for life | 4 domestic/yr |
| 10 |  EaseMyTrip Standard CharteredStandard Chartered | 58/100 | ₹6,126 1.6% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 11 |  Infinia MetalHDFC Bank | 58/100 | ₹5,948 1.6% rate | ₹2,717 2.8% back | You pay ₹14,750 | unlimited domestic + unlimited international/yr |
| 12 |  PrivilegeAxis Bank | 57/100 | ₹5,152 1.4% rate | nothing – excluded or ₹0 | Waived | 8 domestic/yr |
| 13 |  Emeralde Private MetalICICI Bank | 56/100 | ₹5,613 1.5% rate | ₹2,448 2.5% back | You pay ₹14,749 | unlimited domestic + unlimited international/yr |
| 14 |  HPCL Super Saver ICICI BankICICI Bank | 56/100 | ₹5,100 1.3% rate | ₹1,200 1.3% back | Waived | 4 domestic/yr |
| 15 |  BPCL SBI Card OCTANESBI Card | 56/100 | ₹5,019 1.3% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 16 |  RegaliaHDFC Bank | 56/100 | ₹4,925 1.3% rate | ₹1,277 1.3% back | Waived | 12 domestic + 6 international/yr |
| 17 |  Diners Club PrivilegeHDFC Bank | 56/100 | ₹4,925 1.3% rate | ₹1,277 1.3% back | Waived | 8 domestic/yr |
| 18 |  CASHBACK SBI CardSBI Card | 55/100 | ₹7,356 1.9% rate | nothing – excluded or ₹0 | Waived | No lounge access |
| 19 |  HPCL BOBCARD ENERGIEBank of Baroda | 55/100 | ₹4,530 1.2% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 20 |  Zen SignatureKotak Mahindra Bank | 54/100 | ₹4,439 1.2% rate | nothing – excluded or ₹0 | Waived | 8 domestic/yr |
| 21 |  Tata Neu Plus HDFC BankHDFC Bank | 53/100 | ₹4,536 1.0% rate | ₹960 1.0% back | Waived | 4 domestic/yr |
| 22 |  BOBCARD TIARABank of Baroda | 53/100 | ₹4,023 1.1% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 23 |  Flipkart Axis BankAxis Bank | 53/100 | ₹2,652 0.7% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
| 24 |  IndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank | 52/100 | ₹4,284 1.1% rate | nothing – excluded or ₹0 | Waived | 8 domestic/yr |
| 25 |  Altura PlusAU Small Finance Bank | 51/100 | ₹2,160 0.6% rate | nothing – excluded or ₹0 | Waived | 4 domestic/yr |
Showing the top 25 of 119. Browse every card →
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Profile: for ₹8,000 a month of electricity, broadband, mobile and DTH bills. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Related
Frequently asked questions
Which credit card is best for utility and electricity bills in India in Sept 2026?
HSBC Live+ ranks first for utility and electricity bills on CardLens: about 6.0% back on ₹8,000/month of utility and electricity bills, ₹16,038 net a year after fee. American Express Membership Rewards (MRCC) is second. The ranking is for a stated spend profile and changes with yours.
How does CardLens rank cards for utility and electricity bills?
We take the standard Indian cardholder profile, change it to reflect this use (for ₹8,000 a month of electricity, broadband, mobile and DTH bills), and score every card with the same open engine used everywhere on the site: rewards at realistic point value + milestones + waivers − renewal fee incl. 18% GST − forex markup, then a 0–100 score that also counts usable lounge access, redemption flexibility, lifestyle fit, simplicity and fee safety. Nothing is hand-picked and no issuer pays for placement.
Will my own answer be different?
Probably. Caps, fee-waiver thresholds and milestones all depend on how much you spend and where. Set up your profile in Find My Card and every page on CardLens re-scores for you.