American Express SmartEarn™ Credit Card on Electricity bills
No. The American Express SmartEarn™ Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
1%
Rank for Electricity bills
#129 of 149
Annual fee
₹495 + Taxes
What to know before you pay on Electricity bills
How it works
10X Membership Rewards on Flipkart, Uber, BookMyShow and Zomato and 5X on Amazon, valuing points at ₹0.50. The caps are low: 10X stops after about ₹2,500 of spend a month.
Caps & rules
- 1 Membership Rewards point per ₹50 on most spends.
- 10X on Flipkart, Uber, BookMyShow and other partners, capped at 500 points a month for them together; Zomato and EaseMyTrip have a separate 500 cap.
- 5X on Amazon, capped at 250 points a month.
- Points are worth about ₹0.50 on vouchers and Marriott transfers, about ₹0.25 as statement credit.
Reward limits
- 10X on Flipkart, Uber, BookMyShow and other partners: max 500 points per month
- 10X on Zomato and EaseMyTrip: max 500 points per month
- 5X on Amazon: max 250 points per month
No rewards on
Fuel, utilities, insurance, EMI conversions, cash
Checked 2026-10-11 · Bank terms
Cards that earn more on Electricity bills
-
#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹1,500 a month
10%
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#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
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#3
BOBCARD Cashback Credit Card
Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month · Max ₹1,875 per statement cycle
5%
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Where else the American Express SmartEarn™ Credit Card earns more
Questions
Does the American Express SmartEarn™ Credit Card give rewards on Electricity bills?
No. The American Express SmartEarn™ Credit Card earns no rewards on Electricity bills.
Is there a limit on American Express SmartEarn™ Credit Card rewards?
1 Membership Rewards point per ₹50 on most spends. 10X on Flipkart, Uber, BookMyShow and other partners, capped at 500 points a month for them together; Zomato and EaseMyTrip have a separate 500 cap. 5X on Amazon, capped at 250 points a month. Points are worth about ₹0.50 on vouchers and Marriott transfers, about ₹0.25 as statement credit.
Which credit card is best for Electricity bills?
PhonePe SBI Card SELECT BLACK is the best pick for regular spending on Electricity bills, with 10% back. The American Express SmartEarn™ Credit Card ranks #129 of 149 cards we compared, by what each returns after caps.