Quick Answer by CardMela.com
If you want to save the maximum on electricity, water, gas, broadband, and mobile recharges in 2025, the AU LIT Credit Card, Yes Ace Credit Card, and Axis My Zone Credit Card are among the top options. These cards offer cashback, reward points, and bonus perks on bill payments through apps like Amazon Pay, Paytm, Google Pay, and directly via bank portals.
Paying utility bills through credit cards in 2025 isn’t just about convenience—it’s about turning a routine expense into a source of rewards. From cashback on electricity bills to bonus points for mobile recharges, the right card can save you ₹5,000–₹10,000 annually.
Benefits include:
Here’s CardMela.com’s handpicked selection based on rewards, flexibility, and low fees.
Credit Card | Annual Fee | Utility Bill Rewards | Joining Benefit | Extra Benefits |
---|---|---|---|---|
AU LIT Credit Card | ₹499 + GST | Up to 5% cashback on electricity, mobile, DTH, gas | Customised benefits | Choose categories to maximise rewards |
Yes POP Credit Card | Lifetime Free | 5% cashback on utility bills via Amazon Pay | ₹500 Amazon voucher | High cashback for LTF card |
Axis My Zone Credit Card | ₹500 + GST | 5% cashback on bill payments via Amazon Pay | Free SonyLiv subscription | Strong entertainment + utility combo |
AU Bank’s LIT Credit Card stands out because you can choose categories to activate benefits, including utility bills.
Best For: Users who want flexibility in selecting rewards each month.
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Yes Bank’s Ace Credit Card is among the few LTF cards offering 5% cashback on utility bills when paid via Amazon Pay.
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Axis My Zone is great for people who not only pay bills but also enjoy OTT subscriptions.
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If you have multiple utility bills and want maximum cashback, get Yes POP for LTF savings and AU LIT for flexibility.
For entertainment lovers, Axis My Zone is a perfect hybrid.
Q1: Which credit card gives the highest cashback on electricity bill payments?
AU LIT and Yes Ace Credit Cards offer up to 5% cashback, making them top choices.
Q2: Are utility bill payments via credit card safe?
Yes, when done through trusted platforms like Amazon Pay, Paytm, or directly via bank portals.
Q3: Can I use my credit card for government electricity boards?
Yes, most cards work for state electricity boards when routed via Amazon Pay or Paytm.
Q4: Is it worth using a credit card for bill payments?
Absolutely. You turn mandatory expenses into savings and rewards, improving overall card value.
Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.
Whether you’re looking for cashback, travel rewards, fuel savings, or lifetime free cards — CardMela helps you compare, analyze, and choose the credit card that fits your lifestyle perfectly. We partner with leading partners to bring you exclusive offers and detailed insights, so you can make smart financial decisions with confidence.
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