Bills & recharges / 13 matches
Cards that reward eligible electricity, water, gas, broadband or telecom payments.
Pay through the named issuer route where stated; direct utility spend is excluded on many popular cards.
HDFC Bank
Why it qualifies
5X reward points on eligible bill payments via PayZapp
Spend Rs 50,000 in the statement cycle; the 7,500 additional-4X-bonus cap and eligible biller rules apply. Base points are separate.
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HDFC Bank
Why it qualifies
5X rewards on eligible operating-expense bill payments
Spend Rs 25,000 per cycle excluding income-tax and GST payments; eligible payment routes and the 7,500 additional-4X-bonus cap apply.
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HDFC Bank
Why it qualifies
5% NeuCoins on eligible utility bills through Tata Pay
Use the eligible Tata Neu route and observe monthly caps.
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IDFC FIRST Bank
Why it qualifies
5% value on eligible utilities within the published cap
Accelerated utility, grocery and FASTag conditions apply.
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HSBC Bank
Why it qualifies
10% cashback on eligible utility payments
Utilities share the Rs 1,200 billing-cycle cashback cap with dining, food delivery and groceries.
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Axis Bank
Why it qualifies
5% Paytm utility-bill discount
Offer cap and Paytm channel conditions apply; this is a discount, not base EDGE rewards.
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Axis Bank
Why it qualifies
0.5% cashback on eligible utilities
Capped at Rs 100 per statement cycle; eligible utility MCCs determine the rate.
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ICICI Bank
Why it qualifies
Reward points on eligible utilities
Utility rewards are capped at 1,000 points per statement cycle; merchant coding applies.
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ICICI Bank
Why it qualifies
Reward points on eligible utilities within ICICI caps
Rewards are capped at 5,000 points in this category per statement cycle; ICICI merchant-coding rules apply.
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IndusInd Bank
Why it qualifies
1 reward point per Rs 100 on eligible utility payments
The annual-spend accelerator does not apply.
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IndusInd Bank
Why it qualifies
1 Avios per Rs 200 on eligible utilities
Preferred-destination acceleration does not apply.
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Bank of Baroda
Why it qualifies
3 core reward points per Rs 100 on eligible utility payments
Utilities earn core points only; accelerated online or lifestyle rewards do not apply.
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IDFC FIRST Bank
Why it qualifies
1 reward point per Rs 150 on utilities
This is a reduced-rate category.
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These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.
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