Axis Bank Cashback Credit Card on Electricity bills
Yes, but only its standard rate: the Axis Bank Cashback Credit Card gives 0.5% back on Electricity bills, the same as most other spends.
On Electricity bills
0.5%
Other spends
0.75%
Rank for Electricity bills
#70 of 149
Annual fee
1st Year Fee: ₹1,000* Plus Applicable Taxes
What to know before you pay on Electricity bills
How it works
Online shows 5%, the middle tier (monthly online spend of ₹5,001 to ₹40,000). It's 2% if you spend under ₹5,000 online in the month, 7% on spend above ₹40,000. Travel sites (MMT, Cleartrip, Goibibo, IRCTC, IndiGo) earn 0.75%. Airtel/Jio bills paid online count as online spend.
Caps & rules
- Online (non-travel) spends earn tiered cashback on the month's net online spend: 2% on the first ₹5,000, 5% from ₹5,001 to ₹40,000, 7% above ₹40,000; total capped at ₹4,000 per statement month.
- Offline and travel (airlines, hotels, travel agencies, rail) earn 0.75% uncapped.
- Utilities (MCC 4816/4899/4900) earn 0.5%, capped at ₹100 per statement.
- Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).
Reward limits
- Online spends: 2% on the first ₹5,000, 5% up to ₹40,000, 7% above: max ₹4,000 per statement month
- 0.5% bonus on utility bills: max ₹100 per statement month
- 0.75% on offline and travel spends: No limit
No rewards on
Tolls, insurance, education, jewellery, government, wallet, rent, fuel, gift cards
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 Cashback Credit Card earns more
Questions
Does the Axis Bank Cashback Credit Card give rewards on Electricity bills?
Yes, but only its standard rate: the Axis Bank Cashback Credit Card gives 0.5% back on Electricity bills, the same as most other spends.
Is there a limit on Axis Bank Cashback Credit Card rewards?
Online (non-travel) spends earn tiered cashback on the month's net online spend: 2% on the first ₹5,000, 5% from ₹5,001 to ₹40,000, 7% above ₹40,000; total capped at ₹4,000 per statement month. Offline and travel (airlines, hotels, travel agencies, rail) earn 0.75% uncapped. Utilities (MCC 4816/4899/4900) earn 0.5%, capped at ₹100 per statement. 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 Cashback Credit Card ranks #70 of 149 cards we compared, by what each returns after caps.