Axis Bank ACE Credit Card on Electricity bills
Yes. The Axis Bank ACE Credit Card gives 5% back when you pay on Electricity bills directly, compared with 1.5% on its other spends.
On Electricity bills
5%
Other spends
1.5%
Rank for Electricity bills
#6 of 149
Annual fee
₹499 + Taxes
What to know before you pay on Electricity bills
Cap on Electricity bills
Max ₹500 per statement cycle (shared by bills on Google Pay, Swiggy, Zomato and Ola)
How it works
Google Pay 5% only for bills and recharges paid by this card inside Google Pay on Android. Paying Airtel/Jio directly earns nothing. Instamart isn't named, so treat it as 1.5%. Electricity 5% only when paid through Google Pay on Android.
Caps & rules
- 5% on bills and recharges paid through Google Pay (Android) and 4% on Swiggy, Zomato and Ola share one cap of ₹500 per statement.
- 1.5% elsewhere is uncapped.
- Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).
Reward limits
- 5% on bills & recharges via Google Pay and 4% on Swiggy, Zomato & Ola (one shared cap): max ₹500 per statement
- 1.5% on all other spends: No limit
No rewards on
Utility and telecom spends outside Google Pay, rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI
Checked 2026-09-27 · 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%
Apply now -
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
Apply now -
#3
BOBCARD Cashback Credit Card
Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month · Max ₹1,875 per statement cycle
5%
Apply now
Where else the Axis Bank ACE Credit Card earns more
Questions
Does the Axis Bank ACE Credit Card give rewards on Electricity bills?
Yes. The Axis Bank ACE Credit Card gives 5% back when you pay on Electricity bills directly, compared with 1.5% on its other spends.
Is there a limit on Axis Bank ACE Credit Card rewards?
5% on bills and recharges paid through Google Pay (Android) and 4% on Swiggy, Zomato and Ola share one cap of ₹500 per statement. 1.5% elsewhere is uncapped. Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).
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 Axis Bank ACE Credit Card ranks #6 of 149 cards we compared, by what each returns after caps.