1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹16,020* a year
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
- SBI CardTata Neu Infinity SBIVISA
2. Tata Neu Infinity SBI Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹4,500* a year
The Tata Neu Infinity SBI Credit Card gives 5% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1.5% on other eligible spends. 1 NeuCoin equals ₹1 of savings.
- 5% on Tata Neu brands
- 5% on BigBasket
- 1.5% on bills and utilities
- 1.5% on other spends
3. IndianOil HDFC Bank Credit Card
Annual fee ₹500 · Rewards up to 4.8% · You keep ₹3,230* a year
The IndianOil HDFC Bank Credit Card gives 5% back as Fuel Points at IndianOil outlets and on groceries and bill payments, within small monthly caps. Fuel Points give the most value when you use them for free fuel at IndianOil.
- 4.8% on IndianOil pumps
- 4.8% on groceries
- 4.8% on bills and utilities
- 0.64% on other spends
4. Tata Neu Plus HDFC Bank Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹3,000* a year
The Tata Neu Plus HDFC Bank Credit Card gives 2% back as NeuCoins at partner Tata brands and 1% on other spends. NeuCoins are worth ₹1 each on Tata Neu and eligible Tata brands.
- 2% on Tata Neu brands
- 1% on groceries
- 1% on bills and utilities
- 1% on other spends
- SBI CardTata Neu Plus SBIVISA
5. Tata Neu Plus SBI Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹3,000* a year
The Tata Neu Plus SBI Credit Card gives 2% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1% on other eligible spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2% on Tata Neu brands
- 2% on BigBasket
- 1% on bills and utilities
- 1% on other spends
6. Standard Chartered Ultimate Credit Card
Annual fee ₹5,000 · Rewards up to 3.33% · You keep ₹2,015* a year
The Standard Chartered Ultimate Credit Card pays a flat 5 reward points per ₹150, with each point worth ₹1, which is about 3.3% back on most spends. The ₹5,000 fee comes back as 5,000 points each year, and you also get golf, lounge visits and a 2% forex markup.
- 2% on bills and utilities
- 2% on groceries
- 3.33% on other spends
7. HPCL FIRST Power+ Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹1,920* a year
The HPCL FIRST Power+ Credit Card gives 5% back as reward points on HPCL fuel, grocery, utility bills and IDFC FIRST FASTag, plus 1.5% more on HPCL fuel paid through the HP Pay app. It costs ₹499 a year, reversed on ₹1.5 lakh of yearly spends.
- 5% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
8. ICICI Bank HPCL Super Saver Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹1,920* a year
The ICICI Bank HPCL Super Saver Credit Card is the higher of ICICI Bank's two HPCL cards: 4% cashback on HPCL fuel (up to ₹200 a month) plus 5% back as points on groceries, utility bills and department stores. It also adds roadside assistance and a quarterly lounge visit, which the cheaper HPCL Coral card does not have.
- 4% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
9. IndusInd Bank Platinum Aura Edge Credit Card
Annual fee Free · Rewards up to 1.6% · You keep ₹1,786* a year
The IndusInd Bank Platinum Aura Edge Credit Card lets you pick a reward plan. On the Home Plan it earns 4 points per ₹100 on groceries, worth ₹0.40 each as cash credit (1.6% back), and IndusInd Bank lists no annual fee.
- 1.6% on groceries
- 0.56% on bills and utilities
- 0.2% on other spends
10. HPCL FIRST Power Credit Card
Annual fee ₹199 · Rewards up to 3.5% · You keep ₹1,679* a year
The HPCL FIRST Power Credit Card is the lower-fee sibling of the Power+: ₹199 a year instead of ₹499, waived on just ₹50,000 of yearly spends, but it earns 3.5% as points on HPCL fuel instead of 5% and has no lounge access. Grocery, utility bills and IDFC FIRST FASTag earn 2.5%, and there is no foreign currency markup.
- 3.5% on HPCL pumps
- 2.5% on groceries
- 2.5% on bills and utilities
- 0.33% on other spends
11. Axis Bank Cashback Credit Card
Annual fee ₹1,000 · Rewards up to 2% · You keep ₹1,580* a year
The Axis Bank Cashback Credit Card suits people who spend a lot online. Online cashback rises from 2% to 7% as your monthly spends grow, up to ₹4,000 per statement month, and other eligible spends earn 0.75%.
- 2% on online shopping
- 0.5% on bills and utilities
- 0.75% on other spends
12. IDFC FIRST WOW! Black Credit Card
Annual fee ₹750 · Rewards up to 0.67% · You keep ₹1,523* a year
The IDFC FIRST WOW! Black Credit Card is issued against a fixed deposit from ₹20,000. It has zero foreign currency markup, reward points that never expire, and 1 domestic lounge visit a quarter.
- 0.17% on bills and utilities
- 0.67% on other spends
13. HDFC Bank UPI RuPay Credit Card
Annual fee ₹99 · Rewards up to 0.75% · You keep ₹1,470* a year
The HDFC Bank UPI RuPay Credit Card is a virtual card that lets you pay on UPI apps using credit. It is issued only as an add-on to another HDFC Bank credit card, and it earns CashPoints worth ₹0.25 each.
- 0.75% on groceries
- 0.75% on dining and food delivery
- 0.5% on bills and utilities
- 0.25% on other spends
14. IDFC FIRST Classic Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,200* a year
The IDFC FIRST Classic Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. The bank describes it as an option for first-time card users.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
15. IDFC FIRST Millennia Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,200* a year
The IDFC FIRST Millennia Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It charges no forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
16. IDFC FIRST Select Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,200* a year
The IDFC FIRST Select Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It also gives domestic airport and railway lounge visits, based on spends, and zero forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
17. IDFC FIRST Wealth Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,200* a year
The IDFC FIRST Wealth Credit Card is a lifetime free premium card. It gives 10 reward points per ₹200 on dining, travel and international spends, 3 on other spends, and lounge visits each quarter.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
18. IDFC FIRST WOW! Credit Card
Annual fee Free · Rewards up to 0.5% · You keep ₹1,140* a year
The IDFC FIRST WOW! Credit Card is a lifetime free card issued against a fixed deposit of at least ₹20,000. It needs no income proof or credit history, and it charges no forex markup.
- 0.13% on bills and utilities
- 0.5% on other spends
19. ICICI Bank HPCL Coral Credit Card
Annual fee ₹199 · Rewards up to 2.5% · You keep ₹1,110* a year
The ICICI Bank HPCL Coral Credit Card is the low-fee HPCL card from ICICI Bank: ₹199 a year, waived on ₹50,000 of spends, with 2.5% cashback on HPCL fuel up to ₹100 a month. It suits a two-wheeler rider or small car owner who fills up for about ₹4,000 a month and wants a cheap card, not the bigger grocery and bill rewards of the HPCL Super Saver.
- 2.5% on HPCL pumps
- 0.25% on groceries
- 0.25% on bills and utilities
- 0.5% on other spends
20. EazyDiner IndusInd Platinum Credit Card
Annual fee Free · Rewards up to 0.4% · You keep ₹950* a year
The EazyDiner IndusInd Platinum Credit Card has no joining or annual fee. It gives 2 reward points per ₹100 on most spends and extra discounts when you pay through the EazyDiner app.
- 0.14% on bills and utilities
- 0.4% on other spends
- HDFC BankHDFC Bank BizPowerVISA
21. HDFC Bank BizPower Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹800* a year
The HDFC Bank BizPower Credit Card is a business card that earns 5 reward points per ₹200, and up to 5X on tax, GST, bill, ads and business travel payments once you spend ₹25,000 in a cycle. It suits business owners with ₹12 lakh or more in yearly income who can use points on SmartBuy travel.
- 1.25% on groceries
- 1.25% on bills and utilities
- 1.25% on other spends
22. IDFC First Bank Ashva Metal Credit Card
Annual fee ₹1,000 · Rewards up to 1.67% · You keep ₹679* a year
The IDFC FIRST Ashva Credit Card is a metal travel card with a modest fee. It earns 5 reward points per ₹150, 10 above ₹20,000 a month, and gives 4 domestic and 2 international lounge visits each quarter.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
23. HDFC Bank BizFirst Credit Card
Annual fee ₹500 · Rewards up to 0.2% · You keep ₹396* a year
The HDFC Bank BizFirst Credit Card is an entry-level business card that earns CashPoints on bills, EMIs and everyday business spends, with a ₹500 fee waived on ₹50,000 of yearly spends. CashPoints are worth ₹0.10 each against your statement.
- 0.2% on bills and utilities
- 0.1% on other spends
24. HDFC Bank Freedom Credit Card
Annual fee ₹500 · Rewards up to 0.75% · You keep ₹225* a year
The HDFC Bank Freedom Credit Card is a low-fee card with a low income requirement. It gives 10X CashPoints at BigBasket, BookMyShow, OYO, Swiggy and Uber, and its fee is waived on spends of ₹50,000 in a year.
- 0.75% on BigBasket
- 0.75% on Swiggy
- 0.75% on OYO, Uber
- 0.75% on BookMyShow
25. HDFC Bank Infinia Metal Credit Card
Annual fee ₹12,500 · Rewards up to 3.33%
The HDFC Bank Infinia Metal Credit Card earns 5 reward points per ₹150, worth ₹1 each on SmartBuy flights and hotels, with unlimited lounge access worldwide and a 2% forex markup. It is by invitation only, and the ₹12,500 fee is waived on ₹10 lakh of yearly spends.
- 3.33% on groceries
- 3.33% on bills and utilities
- 3.33% on other spends
26. IDFC FIRST Bank Mayura Credit Card
Annual fee ₹5,999 · Rewards up to 1.67%
The IDFC FIRST Bank Mayura Credit Card is a metal card with zero forex markup, 5X to 10X reward points that never expire, and up to 4 domestic lounge visits a quarter. It costs ₹5,999 a year plus GST.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
27. ICICI Bank Emeralde Private Metal Credit Card
Annual fee ₹12,499 · Rewards up to 3%
The ICICI Bank Emeralde Private Metal Credit Card is an invite-only metal card for the bank's private banking customers, where each point is worth up to ₹1 on flight and hotel vouchers. It gives 3 points per ₹100, 12,500 bonus points every year, a 2% forex markup and unlimited lounge visits for you and add-on members.
- 3% on bills and utilities
- 3% on groceries
- 3% on other spends
28. Times Black ICICI Bank Credit Card
Annual fee ₹20,000 · Rewards up to 0.8%
The Times Black ICICI Bank Credit Card is ICICI's super-premium card made with Times Internet, with a low 1.49% forex markup on foreign spends. Most of its value comes from luxury stays, gift cards and milestone experiences claimed in the Times Black app, for a ₹20,000 fee.
- 0.8% on bills and utilities
- 0.8% on other spends
Compare these cards
How to choose a credit card for bill payments
- Which bills count: electricity, mobile, broadband, gas, insurance or rent.
- The monthly limit on the bill rate.
- Any fee the bank or the payment app charges on large bill or rent payments.
- The annual fee and how to get it waived.
How we ranked these cards
We work out what each card pays on ₹25,000 a month of regular bill payments, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Why do many cards pay nothing on bills?
Banks earn little on bill payments, so many cards leave them out or cap them. The cards here pay a rate on bills.
Does rent count as a bill?
Usually not. Most cards treat rent separately, and many charge a fee or pay no rewards on it.
Is it worth paying bills by credit card?
Only if you pay the full card bill on time. Interest on an unpaid balance costs far more than the rewards.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money