Best Utilities Credit Cards
Explore top cards like the HDFC Bank RuPay PMJDY Debit Card, SBI Unnati Credit Card, Axis Bank Freecharge Credit Card, RBL Bank EasySaver Credit Card, and 44 more.
Read our full Utilities guide →
48 Cards Found
HDFC Bank RuPay PMJDY Debit Card
debitIssuance Fee:
Lifetime Free
AMC Fee:
Lifetime Free
Reward Type:
Other Benefits
SBI Unnati Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
Axis Bank Freecharge Credit Card
Joining Fee:
₹250 + GST
Renewal Fee:
₹250 + GST
Reward Type:
Reward Points, Cashback
RBL Bank EasySaver Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points
RBL Bank MyFirst Credit Card
Joining Fee:
₹999 + GST
Renewal Fee:
₹999 + GST
Reward Type:
Reward Points, Cashback
RBL Bank QuickPay Credit Card
Joining Fee:
₹99 + GST
Renewal Fee:
₹99 + GST
Reward Type:
Reward Points
Airtel Axis Bank Credit Card
Joining Fee:
₹500 + GST
Renewal Fee:
₹500 + GST
Reward Type:
Cashback
AU Prathama Credit Card
Joining Fee:
₹100 + GST
Renewal Fee:
₹100 + GST
Reward Type:
Reward Points
Axis Bank ACE Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Cashback
Axis Bank Kwik Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
Axis Bank Privilege Easy Credit Card
Joining Fee:
₹1,500 + GST
Renewal Fee:
₹1,500 + GST
Reward Type:
Reward Points
Cashback SBI Credit Card
Joining Fee:
₹999 + GST
Renewal Fee:
₹999 + GST
Reward Type:
Cashback
Best Cards for Utility Bill Payments - Fees, UPI Support & Reward Exclusions
Most Indian banks let you pay electricity, water, gas, and broadband bills through a credit card, debit card, or UPI-linked RuPay card. For utility payments specifically, the two things worth checking are the joining fee (several options sit at ₹99-₹100) and whether the card's reward program actually pays out on Utilities spends - a detail cards often bury in their exclusion list.
Low-Fee UPI Credit Cards
RBL Bank QuickPay and HDFC Bank UPI RuPay (from RBL Bank and HDFC Bank) both charge ₹99 + GST and link to UPI apps, letting you route utility bill payments through a credit line rather than your bank balance.
Before You Rely on a Card for Utility Rewards
Check the exclusion list first - the RBL Bank Apex Credit Card and Axis Bank Atlas Credit Card are both strong reward cards elsewhere, but both explicitly exclude Utilities from earning cashback or miles. A card's headline reward rate doesn't always apply to bill payments.
Cards for Utility Payments Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| RBL Bank QuickPay Credit Card | ₹99 + GST | Reward Points | Credit — Yes |
| HDFC Bank UPI RuPay Credit Card | ₹99 + GST | Reward Points | Credit — Yes |
| AU Prathama Credit Card | ₹100 + GST | Reward Points | Credit — No |
| Axis Bank PMJDY RuPay Debit Card | Lifetime Free | — | Debit — No |
| Bank of Baroda RuPay Qsparc NCMC Debit Card | Not Available | — | Debit — No |
How to Choose
UPI-linked credit cards let you pay bills straight from a credit line
Cards like the RBL Bank QuickPay Credit Card and HDFC Bank UPI RuPay Credit Card link to UPI apps, so you can pay electricity, water, or gas bills directly from a RuPay credit card rather than a bank account.
Entry fees for utility-friendly cards are low
RBL Bank QuickPay and HDFC Bank UPI RuPay both charge ₹99 + GST, and AU Prathama charges ₹100 + GST - among the cheapest credit cards on CardsWala, useful if you mainly want a card for routine bill payments rather than premium rewards.
Check whether Utilities is actually excluded from rewards
Several reward and cashback cards explicitly exclude the Utilities category from earning - the RBL Bank Apex Credit Card and Axis Bank Atlas Credit Card, for example, both list Utilities among their excluded spend categories. Don't assume a high headline reward rate applies to your bill payments; check the card's exclusion list first.
Debit and prepaid cards need no credit approval
If you don't want a credit application at all, options like the Axis Bank PMJDY RuPay Debit Card and Bank of Baroda RuPay Qsparc NCMC Debit Card are Nil-fee and work for utility and everyday payments without any credit history requirement.