BOBCARD Cashback Credit Card on Electricity bills
Yes. The BOBCARD Cashback Credit Card gives 5% back when you pay on Electricity bills directly, compared with 1% on its other spends.
On Electricity bills
5%
Other spends
1%
Rank for Electricity bills
#3 of 149
Annual fee
₹499 + Taxes a year, or ₹49 a month
What to know before you pay on Electricity bills
Cap on Electricity bills
Max ₹1,875 per statement cycle (₹1,500 on the extra 4%, about ₹37,500 of online spend)
How it works
5% on any domestic online spend (1% plus 4% extra), with the extra 4% capped at ₹1,500 a cycle; 1% after that and on other spends. Needs at least 4 transactions in the cycle. It's a Mastercard, so it can't be used for UPI. Electricity paid online counts as online spend (5%). Grocery apps earn nothing (BOBCARD excludes supermarket MCCs).
Caps & rules
- Domestic e-commerce: 1% plus 4% accelerated cashback, the accelerated part capped at ₹1,500 per statement.
- POS and international: 1%, uncapped.
- Minimum 4 transactions per cycle for the accelerated cashback.
- Cashback credited to the next statement.
Reward limits
- Extra 4% on online spends: max ₹1,500 per statement cycle
No rewards on
Transactions under ₹100, fuel, cash withdrawals, quasi-cash and the MCCs in BOBCARD's annexure
Checked 2026-10-18 · Bank terms
Cards that earn more on Electricity bills
-
#1
PhonePe SBI Card SELECT BLACK
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10%
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#2
HSBC Live+ Credit Card
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IDFC FIRST Power+ Credit Card
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Where else the BOBCARD Cashback Credit Card earns more
Questions
Does the BOBCARD Cashback Credit Card give rewards on Electricity bills?
Yes. The BOBCARD Cashback Credit Card gives 5% back when you pay on Electricity bills directly, compared with 1% on its other spends.
Is there a limit on BOBCARD Cashback Credit Card rewards?
Domestic e-commerce: 1% plus 4% accelerated cashback, the accelerated part capped at ₹1,500 per statement. POS and international: 1%, uncapped. Minimum 4 transactions per cycle for the accelerated cashback. Cashback credited to the next statement.
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 BOBCARD Cashback Credit Card ranks #3 of 149 cards we compared, by what each returns after caps.