Best Credit Cards for Bill Payments & Recharges 2026

Why we picked it: 25% cashback on Airtel mobile, broadband and DTH, plus 10% on utility bills via Airtel Thanks.

• 25% cashback on Airtel mobile, broadband, DTH
• 10% on utility bills via Airtel Thanks
• Partner credits on Zomato, Blinkit & District
• 1% cashback on other spends

From April 2026 lounge access was removed, and the 10% on Swiggy & BigBasket was replaced by capped partner-wallet credits on Zomato, Blinkit and District. Bill-payment caps now scale with your other spends.

Why we picked it: 5% back on utility bills and groceries, plus fuel savings, for a ₹499 fee.

• Up to 6.5% savings on HPCL fuel
• 5% back on groceries & utility bills
• Works on UPI (RuPay)
• 1% fuel surcharge waiver

Why we picked it: 2% back when you pay bills through Amazon Pay, and lifetime free.

• 5% back on Amazon for Prime members (3% otherwise)
• 2% back at Amazon Pay partner merchants
• 1% back on everything else
• Lifetime free, with no joining or annual fee

Why we picked it: 1.5% NeuCoins on bill payments made through Tata Neu.

• 5% NeuCoins on BigBasket, Croma, Tata CLiQ, 1mg, Westside
• 1.5% NeuCoins on UPI via Tata Neu UPI ID (RuPay)
• 1.5% NeuCoins on all other spends
• Domestic + international lounge access

UPI through other apps earns only 0.5%, and UPI rewards are capped at 500 NeuCoins a month. NeuCoins can only be used within Tata brands.

Why we picked it: 5% as Fuel Points on bill payments (monthly cap).

• 5% as Fuel Points at IndianOil, groceries and bills
• 1 Fuel Point per ₹150 elsewhere (incl. UPI)
• Redeem for free fuel at IndianOil (≈₹0.96 per point)
• Fee waived on ₹50,000 yearly spend

Fuel Points are capped at 250/month for the first 6 months, then 150/month. Redeemed as cashback they're worth only about ₹0.20 each.

Why we picked it: Bonus points on utility bills plus HPCL fuel savings.

• Up to 5% savings on fuel at HPCL & HP Pay (incl. surcharge waiver)
• Bonus points on groceries, departmental stores & utilities (capped)
• 2 points per ₹100 on other spends
• Fee waived on ₹1.5 lakh yearly spend