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Best credit card for Utility bills (via Google Pay) in India

The best credit card for Utility bills (via Google Pay) in 2026 is Axis Bank ACE, earning 5.00% back (₹100 on a ₹2,000 spend). Runner-up: SBI Cashback at 5.00%.

Rates last verified: 27 April 2026

🥇Axis· ₹499 annual

Axis Bank ACE

5% cashback on utility bill payments (electricity, gas, broadband, DTH, mobile recharges) when paid via Google Pay only

₹100
5.00% back
🥈SBI· ₹999 annual

SBI Cashback

5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.

₹100
5.00% back
🥉HDFC· ₹12,500 annual

HDFC Infinia Metal Edition

5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels

₹67
3.33% back
Show 2 more cards
HDFC Diners Club Black
5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels
₹67 (3.33%)
ixigo AU Credit Card
2.5% base reward (no special rate for this merchant)
₹50 (2.50%)

Utility bills (via Google Pay) rewards compared

CardEffective returnBack on ₹2,000Annual fee
Axis Bank ACE5.00%₹100₹499
SBI Cashback5.00%₹100₹999
HDFC Infinia Metal Edition3.33%₹67₹12,500
HDFC Diners Club Black3.33%₹67₹10,000
ixigo AU Credit Card2.50%₹50Lifetime free

How we picked these cards

For every Utility bills (via Google Pay) transaction, we calculate the effective % return on each card — the actual rupees back at the best realistic redemption (Smartbuy, EDGE portal, statement credit, or airline transfer). Capped categories are honored, exclusions are noted, and redemption fees are factored in.

Reward rates are sourced from the bank's product page and re-verified by an automated weekly pipeline. The rate you see is what you actually earn, not the headline promo rate. Read the full methodology.

Top recommendations explained

  1. 1. Axis Bank ACE

    5% cashback on utility bill payments (electricity, gas, broadband, DTH, mobile recharges) when paid via Google Pay only

    Axis·₹499 annual fee·Earn ₹100 on this purchase
    Source: www.axisbank.com

  2. 2. SBI Cashback

    5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.

    SBI·₹999 annual fee·Earn ₹100 on this purchase
    Source: www.sbicard.com

  3. 3. HDFC Infinia Metal Edition

    5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels

    HDFC·₹12,500 annual fee·Earn ₹67 on this purchase
    Source: www.hdfc.bank.in

Frequently asked questions

Which credit card gives the most cashback on Utility bills (via Google Pay)?

Axis Bank ACE earns 5.00% effective back on Utility bills (via Google Pay) — 5% cashback on utility bill payments (electricity, gas, broadband, DTH, mobile recharges) when paid via Google Pay only

How is the "best" card on Utility bills (via Google Pay) calculated?

We rank cards by effective rupee return at the best realistic redemption — accounting for monthly caps, exclusions, and redemption fees. Sources are bank product pages, verified within the last quarter.

Can I stack offers and credit card rewards on Utility bills (via Google Pay)?

Yes, in most cases bank offers (e.g., 10% off) stack on top of credit card rewards. Always check the offer terms — some "no-cost EMI" or instant discounts disable cashback.

Do reward points expire?

Most Indian banks let you keep points active by spending at least once a year. HDFC and Axis points typically expire after 2–3 years. Amazon Pay ICICI rewards never expire.

Last verified: 27 April 2026. Reward rates are sourced from bank product pages and may change. Always confirm with the card issuer before applying.