{"id":2570,"date":"2025-12-28T19:45:00","date_gmt":"2025-12-28T14:15:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=2570"},"modified":"2025-12-24T15:52:12","modified_gmt":"2025-12-24T10:22:12","slug":"5-best-credit-cards-for-utility-bill-payments-that-offer-maximum-cashback-and-rewards-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/5-best-credit-cards-for-utility-bill-payments-that-offer-maximum-cashback-and-rewards-2026\/","title":{"rendered":"5 Best Credit Cards for Utility Bill Payments That Offer Maximum Cashback and Rewards (2026)"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em> This article highlights the five best credit cards that offer cashback and rewards for utility bill payments. Choose the right one for your budget.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Credit cards designed for utility bill payments ensure on-time payments with optimised returns. These cards combine saving and convenience which is beneficial to the cardholder. Here is a list of the best credit cards used for utility services.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3978215826\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-icici-bank-platinum-chip-credit-card\"><a href=\"https:\/\/www.icici.bank.in\/personal-banking\/cards\/credit-card\/platinum-chip-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>ICICI Bank Platinum Chip Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"487\" height=\"348\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/ICICI-Bank-Platinum-Chip-Credit-Card-1.png\" alt=\"ICICI Platinum Chip Credit Card\" class=\"wp-image-500\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/ICICI-Bank-Platinum-Chip-Credit-Card-1.png 487w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/ICICI-Bank-Platinum-Chip-Credit-Card-1-480x343.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 487px, 100vw\" \/><\/figure>\n\n\n\n<p><strong>Card overview: <\/strong>the ICICI Platinum Chip Credit Card provides the cardholder with the best rewards and value in a simple card that makes it suitable for beginners to manage regular household expenses in an efficient manner.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining fees: <\/strong>Nil<\/li>\n\n\n\n<li><strong>Annual fees: <\/strong>Nil<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-features-and-benefits\"><strong>Features and benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2 reward points earned on every Rs 100 on retail purchases.<\/li>\n\n\n\n<li>1 reward point earned on every Rs 100 spent on insurance and utilities.<\/li>\n\n\n\n<li>1% on fuel waiver on fuel transactions worth Rs 400 to Rs 4,000.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-eligibility-criteria\"><strong>Eligibility criteria<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Must be an Indian citizen of 21 years of age or above.<\/li>\n\n\n\n<li>Minimum monthly income of Rs 20,000 for a salaried individual and self-employed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sbi-card-prime-credit-card\"><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/rewards\/sbi-card-prime.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>SBI Card PRIME Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-1-1024x683.jpg\" alt=\"SBI Card PRIME Credit Card\" class=\"wp-image-1963\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-1-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-1-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-PRIME-Credit-Card-1-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<p><strong>Card overview: <\/strong>the SBI Card PRIME credit card comes with a lot of benefits like attractive rewards like vouchers and fuel surcharge waivers. It\u2019s one of the better SBI cards for earning accelerated rewards on recurring household bills.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1264963629\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining fees: <\/strong>Rs 2,999<\/li>\n\n\n\n<li><strong>Annual fees: <\/strong>Rs 2,999<\/li>\n\n\n\n<li><strong>Annual waiver fee: <\/strong>Rs 3,00,000 spent in the previous year<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-features-and-benefits\"><strong>Features and benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Welcome gift voucher of Rs 3,000 from brands like Bata, Hush Puppies, Pantaloons and Shoppers Stop.<\/li>\n\n\n\n<li>e-voucher from Pizza Hut worth Rs 1,000 on reaching the milestone of spending Rs 50,000 in a calendar quarter.<\/li>\n\n\n\n<li>10 reward points earned per Rs 100 spent on dining, movies and groceries.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-eligibility-criteria\"><strong>Eligibility criteria<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primary applicants must be 21-70 years of age.<\/li>\n\n\n\n<li>Strong credit history, preferably over 750.<\/li>\n\n\n\n<li>The applicant must have a stable income.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-axis-ace-credit-card\"><strong><a href=\"https:\/\/www.axis.bank.in\/cards\/credit-card\/axis-bank-ace-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Axis ACE Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"300\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Ace-Credit-Card.jpg\" alt=\"Axis ACE Credit Card\" class=\"wp-image-2557\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Ace-Credit-Card.jpg 460w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Axis-Ace-Credit-Card-300x196.jpg 300w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure>\n\n\n\n<p><strong>Card overview: <\/strong>as rated as one of the top beginner friendly credit cards, the Axis Ace credit card offers a lot on dining, shopping and utility bill payments. With its beginner friendly features, this card seems like the top pick for any applicant.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3284795309\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining fees: <\/strong>Rs 499<\/li>\n\n\n\n<li><strong>Annual fees: <\/strong>Rs 499<\/li>\n\n\n\n<li><strong>Annual fee waiver: <\/strong>Rs 2,00,000 spent in the previous year.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-features-and-benefits\"><strong>Features and benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5% cashbacks on utility bill payments done via Google Pay.<\/li>\n\n\n\n<li>1% fuel surcharge waiver across all fuel stations in India.<\/li>\n\n\n\n<li>4% cashback on Swiggy, Zomato and Ola.<\/li>\n\n\n\n<li>15% off on dining delights across 4000+ restaurants in India.<\/li>\n\n\n\n<li>Convert purchases to EMI.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-eligibility-criteria\"><strong>Eligibility criteria<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primary cardholders should be between the age of 18 and 70 years.<\/li>\n\n\n\n<li>The individual should be a resident of India.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hdfc-regalia-gold-credit-card\"><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/regalia-gold-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>HDFC Regalia Gold Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-1024x683.jpg\" alt=\"HDFC Regalia Gold Credit Card\" class=\"wp-image-1330\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/HDFC-Regalia-Gold-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<p><strong>Card overview: <\/strong>the HDFC Regalia Gold Credit Card offers rewards based on the utility bill payments, making it suitable to earn modest returns on household expenses.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining fees: <\/strong>Rs 2,500<\/li>\n\n\n\n<li><strong>Annual fees: <\/strong>Rs 2,500<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-features-and-benefits\"><strong>Features and benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>4 reward points earned on every Rs 150 spent on insurance and utility bills.<\/li>\n\n\n\n<li>Complimentary Swiggy One and MMT Black Gold membership as a welcome benefit.<\/li>\n\n\n\n<li>5X reward points earned on transactions at Nykaa, Myntra, Marks &amp; Spencer and Reliance Digital.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-eligibility-criteria\"><strong>Eligibility criteria<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An Indian resident of 21-60 years of age for salaried, 21-65 years of age for self-employed individuals.<\/li>\n\n\n\n<li>Monthly income for salaried \u2013\n<ul class=\"wp-block-list\">\n<li>Government employee: Rs 1,00,000<\/li>\n\n\n\n<li>Non-government employee: Rs 1,50,000<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Income of Rs 18,00,000 per annum for self-employed.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read: <a href=\"https:\/\/tradebrains.in\/money\/5-best-credit-cards-that-offer-zero-interest-rates-on-balance-transfers-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">5 Best Credit Cards That Offer Zero Interest Rates on Balance Transfers (2026)<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-standard-chartered-super-value-titanium-credit-card\"><a href=\"https:\/\/www.sc.com\/in\/credit-cards\/super-value-titanium\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Standard Chartered Super Value Titanium Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"755\" height=\"573\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Standard-Chartered-Super-Value-Titanium-Credit-Card.jpg\" alt=\"Standard Chartered Super Value Titanium Credit Card\" class=\"wp-image-2556\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Standard-Chartered-Super-Value-Titanium-Credit-Card.jpg 755w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/Standard-Chartered-Super-Value-Titanium-Credit-Card-480x364.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 755px, 100vw\" \/><\/figure>\n\n\n\n<p><strong>Card overview: <\/strong>the Standard Chartered Super Value Titanium Credit Card offers a great value on everyday expenses with cashback on fuel and utility bills and dining discounts. This card is ideal for beginners seeking rewards on essential spends.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2494909301\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining fees: <\/strong>Rs 750<\/li>\n\n\n\n<li><strong>Annual fees: <\/strong>Rs 750<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-features-and-benefits\"><strong>Features and benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5% cashback on utility bills, mobile recharges and fuel expenses.<\/li>\n\n\n\n<li>One reward point for every Rs 150 spent, can be redeemed on exclusive rewards.<\/li>\n\n\n\n<li>For premium banking customers: the super value Titanium credit card comes with a complimentary priority pass membership.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-eligibility-criteria\"><strong>Eligibility criteria<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Primary cardholder must be 21-65 years of age; add-on cardholder must be 18 years of age.<\/li>\n\n\n\n<li>Cardholders must have a monthly stable income of Rs 55,000.<\/li>\n\n\n\n<li>Cardholders must belong to the credit card sourcing cities.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-in-conclusion\"><strong>In conclusion<\/strong><\/h2>\n\n\n\n<p>Choosing the best credit card can help turn routine expenses into maximum rewards. The right credit card can benefit the cardholder with strong rewards on recurring payments and low fees. A cardholder choosing the right credit card for their use can lead to a healthy financial journey.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1766568239769\"><strong class=\"schema-faq-question\"><strong>Can utility cards be used on an international POS?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, some utility credit cards can be used on International Point of Sale (POS) such as the GT utility card.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766568246804\"><strong class=\"schema-faq-question\"><strong>How do I pay my utility bills by my credit card?<\/strong><\/strong> <p class=\"schema-faq-answer\">Login through your account from the website portal of the card provider, select the billers, enter the amount to be paid, provide the car details to complete the payment procedure.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1766568257951\"><strong class=\"schema-faq-question\"><strong>Can electricity bill be paid through credit card?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, you can pay your electricity bill through any credit card by going to the card provider website or app.<\/p> <\/div> <\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Atin Kevin<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article highlights the five best credit cards that offer cashback and rewards for utility bill payments. Choose the right one for your budget. Credit cards designed for utility bill payments ensure on-time payments with optimised returns. These cards combine saving and convenience which is beneficial to the cardholder. Here is a list of [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2577,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[185,651,645,19],"ppma_author":[1013],"class_list":["post-2570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-credit-cards","tag-credit-card","tag-credit-card-news","tag-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Best Credit Cards for Utility Bill Payments That Offer Maximum Cashback and Rewards (2026)<\/title>\n<meta name=\"description\" content=\"This article highlights the five best credit cards that offer cashback and rewards for utility bill payments. 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