Best credit cards for bill payments in India
Ranked for ₹6,000 a month on electricity, phone, broadband and DTH bills plus everyday spending.
1. HSBC Live+ Credit Card
₹999 a year + GST · about ₹7,101 a year after fees on this spending.
One of the best everyday cashback cards if you spend roughly ₹10,000–12,000 a month on food, groceries, shopping and bills, because 10% back on that alone covers the fee many times over. If most of your spending is on Amazon or Flipkart, or abroad, look elsewhere.
2. Amazon Pay ICICI Bank Credit Card
Lifetime free · about ₹2,040 a year after fees on this spending.
A near-automatic pick for anyone who shops on Amazon and has Prime: it costs nothing and the 5% has no cap. If you rarely use Amazon, the 1% elsewhere and the growing list of excluded categories make it an average card.
3. Standard Chartered Smart Credit Card
₹499 a year + GST · about ₹2,040 a year after fees on this spending.
A simple, cheap card if you want a flat 2% on everything you buy online without chasing partner brands. Heavy spenders will hit the ₹1,500-a-cycle total cap, and the ₹2,500 minimum before you can redeem can be annoying.
4. HDFC Bank Millennia Credit Card
₹1,000 a year + GST · about ₹1,320 a year after fees on this spending.
A simple, low-cost cashback card for people who shop and order food online on the big Indian apps. It suits monthly online spends up to about ₹20,000; beyond that the caps bite and a card with higher caps will earn more. Skip it if you travel abroad or want lounge access.
5. Scapia Federal Bank Credit Card
Lifetime free · about ₹1,200 a year after fees on this spending.
A strong free card for anyone who travels, especially abroad, because it charges no forex markup and pays about 2% in travel coins on everyday spends. If you never book trips, the coins are hard to use, so a plain cashback card will suit you better.
6. SBI Card SimplyCLICK
₹499 a year + GST · about ₹1,050 a year after fees on this spending.
A cheap starter card for people who order often from Swiggy, Myntra or the other 10X partners and can collect the yearly travel vouchers. For general online shopping a flat 5% cashback card now does better, and it is a poor choice for in-store spending.
7. ICICI Bank HPCL Super Saver Credit Card
₹500 a year + GST · about ₹1,000 a year after fees on this spending.
Suits someone who fills about ₹5,000 a month at HPCL pumps and wants a cheap card that pays for itself. The tight caps make it a poor main card for anything beyond fuel.