Utility bills are recurring expenses that can earn rewards if your card doesn't exclude them. Many cards cap or exclude utility payments — check the fine print.
Our top pick for cards for utility bills is the SBI Tata Neu Infinity from SBI (₹1,499 fee, airport lounge access). Best lifetime-free option: FIRST Wealth Credit Card (IDFC First). Best premium pick: Mayura Credit Card (IDFC First, ₹5,999 fee). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).
SBI · ₹1,499 annual fee · 1.5% rewards
IDFC First · ₹5,999 annual fee · 0.83% rewards
AU · ₹199 annual fee · 1% rewards
AU · No annual fee · 0.5% rewards
Axis · ₹500 annual fee · 1% rewards
IDFC First · No annual fee · 0.38% rewards
IDFC First · No annual fee · 0.38% rewards
IndusInd · No annual fee · 0.2% rewards
YES · ₹4,999 annual fee · 1.35% rewards
SBI · ₹1,499 annual fee · 0.8% rewards
Federal · No annual fee · 5% rewards
IndusInd · ₹5,000 annual fee · 1.5% rewards
IDFC First · ₹2,999 annual fee · 0.83% rewards
AU · No annual fee · 0.2% rewards
AU · ₹499 annual fee · 0.25% rewards