Category
Utilities & bills
The monthly bills. Electricity, mobile, broadband, DTH and 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
₹499 + GST, waived on ₹2 lakh annual spends
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
Free for life
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 and DTH, and 10% on electricity, water and gas, paid via the Airtel Thanks app
₹500 + GST, waived on ₹2 lakh annual spends
For Airtel households the math works nowhere else. An Airtel bill stack plus utilities can return ₹400 to ₹700 a month if you also put regular spends on the card.
Caps are tied to the base cashback you earn: the Airtel bucket is capped at 2x your 1% base earnings and utilities at 1x, so a bills-only strategy earns almost nothing. There is no lounge access. Payment must go through the Airtel Thanks app. A 1% Axis fee applies above ₹25,000 of utility spend per 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.