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Saifu
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Best card by app

Best credit card for Electricity Bills

Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026

Quick answer. For ₹5,000 a month on electricity bills, HSBC Live+ returns about ₹6,000 a year, or ₹5,001 after its ₹999 annual fee. With no annual fee, Zaggle returns ₹1,200 a year.

Most back at ₹5,000 a monthHSBC Live+₹5,001 a year after the fee
Most back at ₹15,000 a monthHSBC Live+₹13,941 a year after the fee
Best with no annual feeZaggle₹1,200 a year

Pick your monthly electricity bills spend

₹5,000 a month on electricity bills
#CardRewards a yearAnnual feeNet a yearLink
1HSBC Live+HSBC India₹6,000₹999₹5,001Apply
2PVR INOX KotakKotak Mahindra Bank₹1,800₹499₹1,301Bank page
3FIRST PowerIDFC FIRST Bank₹1,240Free₹1,240Apply
4ZaggleAU Small Finance Bank₹1,200Free₹1,200Apply
5Kotak 811 Dream DifferentKotak Mahindra Bank₹1,200Free₹1,200Bank page
6AlturaAU Small Finance Bank₹900Free₹900Apply
7FIRST Power+IDFC FIRST Bank₹1,380₹499₹881Apply
8ICICI Bank HPCL Super SaverICICI Bank₹1,380₹500₹880Bank page
9Canara Bank RuPay SelectCanara Bank₹840Free₹840Bank page
10Standard Chartered SmartStandard Chartered Bank India₹1,200₹499₹701Bank page

Rewards a year: what the card pays back on electricity bills alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.

Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked.

Questions

Which credit card gives the most back on electricity bills?

At ₹5,000 a month, HSBC Live+ gives the most after its annual fee: about ₹5,001 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.

Is there a lifetime free card for electricity bills?

Zaggle charges no annual fee and returns about ₹1,200 a year on ₹5,000 a month of electricity bills spends.

How does Saifu work these figures out?

Each card's reward rules, caps and exclusions from its bank's terms are run on three months of electricity bills spends at each amount, then scaled to a year. Only electricity bills spends count towards the caps here; if your other spends share the same cap, you get less.

See also: best cards by type, find a card for all your spends, compare two cards.

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