Category
Utilities & bills
Electricity, mobile, broadband, DTH, gas.
No card in your wallet earns rewards on utilities & bills yet.
When you add a card that does, it will rank here automatically.
Best in market
Banks now punish heavy utility spends with a 1% fee above per-cycle thresholds (Axis ₹25k, ICICI and SBI ₹50k) and most premium cards exclude utilities from rewards entirely — for a normal household bill load, dedicated cashback cards below the caps still come out well ahead. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
Axis Bank ACE
5% cashback on electricity, water, gas, LPG, broadband and recharges paid via Google Pay — verified intact through 2026 with no devaluation
₹499 + GST, waived on ₹2 lakh annual spends
The single best flat utility rate that survived the 2025-26 devaluation wave; auto-credited cashback, plus 1.5% uncapped on everything else and a 4% Swiggy/Zomato/Ola kicker. Complements your Axis My Zone/Flipkart Axis relationship.
5%+4% categories share a combined ₹500/statement cashback cap (so ~₹10,000/month of bills maxes it); bills must route through Google Pay to earn 5%; Axis levies 1% fee on utility spends above ₹25,000 per statement.
ICICI Bank Amazon Pay
2% cashback (Prime members) on utility bills paid through Amazon Pay, uncapped and lifetime-free
Lifetime free
You already own it — for anything past ACE's ₹500 cap or non-GPay billers, this is the zero-effort default: unlimited 2% via Amazon Pay's BBPS with no annual fee to justify. Verified 2026 changes hit wallet loads, not utility cashback.
2% needs an active Prime membership (1% without); ICICI charges 1% on utility transactions above ₹50,000/month; from Jan 2026 wallet loads of ₹5,000+ attract a 1% fee, so pay billers directly rather than via balance.
Axis Bank Airtel
25% cashback on Airtel mobile/broadband/DTH and 10% on electricity, water and gas via the Airtel Thanks app — still the highest headline utility rate, but freshly devalued
₹500 + GST, waived on ₹2 lakh annual spends
For Airtel households the math still works nowhere else: even post-devaluation, an Airtel bill stack plus utilities can return ₹400-700/month if you also put regular spends on the card.
Major devaluation effective 12 April 2026: caps are no longer flat ₹250+₹250 but tied to base cashback earned (Airtel cashback capped at 2x your 1% base earnings, utilities at 1x) — a bills-only strategy now earns almost nothing; 4 lounge visits removed; must pay via Airtel Thanks; same 1% Axis fee above ₹25,000 utility spend/statement.
Your wallet · Utilities & bills
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on utilities & bills. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on utilities & bills at your spend — raw rates, before caps.
Every card in your wallet is excluded from utilities & bills — see the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check — does each card pay for itself?
Value is still counted across your whole wallet, not just this category — a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above — the numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.