Best Credit Cards for Utility Bill Payments in India [2025 Edition] – Save More on Every Bill

Best Credit Cards for Utility Bill Payments in India [2025 Edition] – Save More on Every Bill

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.


Why Choose a Credit Card for Utility Bill Payments?

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:

  • Cashback or reward points on every payment.
  • Bill reminders and auto-pay features.
  • No need to maintain high bank balance for bill payments.
  • Additional discounts via partner apps (Amazon Pay, Paytm, CRED).

Top Credit Cards for Utility Bill Payments in India – 2025 List

Here’s CardMela.com’s handpicked selection based on rewards, flexibility, and low fees.

Credit CardAnnual FeeUtility Bill RewardsJoining BenefitExtra Benefits
AU LIT Credit Card₹499 + GSTUp to 5% cashback on electricity, mobile, DTH, gasCustomised benefitsChoose categories to maximise rewards
Yes POP Credit CardLifetime Free5% cashback on utility bills via Amazon Pay₹500 Amazon voucherHigh cashback for LTF card
Axis My Zone Credit Card₹500 + GST5% cashback on bill payments via Amazon PayFree SonyLiv subscriptionStrong entertainment + utility combo

Detailed Reviews

1. AU LIT Credit Card – Fully Customisable Utility Rewards

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.

Key Features:

  • Up to 5% cashback on utility bill payments.
  • Cashback applies for electricity, water, gas, broadband, and DTH bills.
  • Benefits activated for a small monthly fee.
  • Zero forex markup for international usage (optional activation).

Pros:

  • Fully customisable.
  • Competitive cashback rate.
  • Works for both online and offline bill payment channels.

Cons:

  • Benefits are time-limited (month-wise activation).
  • Not ideal for those who don’t use large monthly bill amounts.

Apply Now!


2. Yes POP Credit Card – Lifetime Free High Cashback

Yes Bank’s Ace Credit Card is among the few LTF cards offering 5% cashback on utility bills when paid via Amazon Pay.

Key Features:

  • Lifetime free – no annual fee.
  • 5% cashback on Amazon Pay utility payments (electricity, gas, water, broadband, mobile recharge).
  • Works for CRED rent payments with reward points.
  • ₹500 Amazon voucher on first transaction.

Pros:

  • Zero cost for ownership.
  • Strong cashback for a free card.
  • Easy approval for salaried applicants.

Cons:

  • Benefits limited to Amazon Pay.
  • No lounge access.

Apply Now!


3. Axis My Zone Credit Card – Cashback & Entertainment Benefits

Axis My Zone is great for people who not only pay bills but also enjoy OTT subscriptions.

Key Features:

  • 5% cashback on Amazon Pay utility bills.
  • Complimentary SonyLiv subscription.
  • Cashback on shopping and fuel benefits.
  • Affordable annual fee with waiver on spends.

Pros:

  • Dual benefits (utility + entertainment).
  • Low annual fee.
  • Waiver possible with regular spending.

Cons:

  • Cashback capped per billing cycle.
  • Cashback restricted to Amazon Pay.

Apply Now!

How to Maximise Rewards on Utility Bill Payments

  1. Use Partner Platforms – Most cashback offers are valid only via Amazon Pay, Paytm, or CRED.
  2. Set Auto-Pay – Avoid missing due dates and losing rewards.
  3. Club Offers – Use card cashback + app promo codes for double benefits.
  4. Track Caps – Many cards have monthly cashback limits; plan payments accordingly.

Eligibility & Application

  • AU LIT Credit Card: Min income ₹25,000/month, good CIBIL score (750+).
  • Yes Ace Credit Card: Min income ₹20,000/month, relaxed approval norms.
  • Axis My Zone Credit Card: Min income ₹25,000/month.

CardMela Expert Tip

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.


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FAQs – Best Credit Cards for Utility Bill Payments in India [2025 Edition]

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.

Author Bio:

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.

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