Cashback SBI Credit Card on Electricity bills
No. The Cashback SBI Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
1%
Rank for Electricity bills
#119 of 149
Annual fee
₹999 + Taxes
What to know before you pay on Electricity bills
How it works
5% on any online merchant (no partner list), until the ₹2,000 per cycle cap. Railways (IRCTC), telecom and utility bills earn nothing.
Caps & rules
- From 1 Apr 2026: 5% on online spends capped at ₹2,000 per statement cycle, 1% offline capped at ₹2,000; ₹4,000 total per cycle.
- Cashback auto-credited within 2 days of the next statement.
Reward limits
- 5% on online spends: max ₹2,000 per statement cycle
- 1% on offline spends: max ₹2,000 per statement cycle
No rewards on
Utilities, telecom (MCC 4814), DTH, insurance, jewellery, education, railways, gift/novelty shops, quasi-cash, gaming, tolls, government, fuel, rent, wallet, Merchant EMI/Flexipay
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 Cashback SBI Credit Card earns more
Questions
Does the Cashback SBI Credit Card give rewards on Electricity bills?
No. The Cashback SBI Credit Card earns no rewards on Electricity bills.
Is there a limit on Cashback SBI Credit Card rewards?
From 1 Apr 2026: 5% on online spends capped at ₹2,000 per statement cycle, 1% offline capped at ₹2,000; ₹4,000 total per cycle. Cashback auto-credited within 2 days of 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 Cashback SBI Credit Card ranks #119 of 149 cards we compared, by what each returns after caps.