HDFC Bank UPI RuPay Credit Card on Electricity bills
Yes. The HDFC Bank UPI RuPay Credit Card gives 0.5% back when you pay on Electricity bills directly, compared with 0.25% on its other spends.
On Electricity bills
0.5%
Other spends
0.25%
Rank for Electricity bills
#64 of 149
Annual fee
₹99 + GST
What to know before you pay on Electricity bills
Cap on Electricity bills
Max ₹125 a month (500 CashPoints per category)
How it works
'3% CashPoints' is 3 CashPoints per ₹100 at ₹0.25 each, so 0.75% real value on groceries and dining, 0.5% on bills and 0.25% elsewhere. Works on UPI too.
Caps & rules
- 3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp; 2 per ₹100 on utilities; 1 per ₹100 on other spends; each tier capped at 500 CashPoints a calendar month.
- Applies to UPI and card spends.
- 1 CashPoint = ₹0.25 against the statement (min ₹500).
Reward limits
- 3 CashPoints per ₹100 on groceries, dining, supermarkets and PayZapp: max 500 CashPoints per calendar month
- 2 CashPoints per ₹100 on utilities: max 500 CashPoints per calendar month
- 1 CashPoint per ₹100 on other spends: max 500 CashPoints per calendar month
No rewards on
Rent, wallet loads, EMI, fuel, insurance, government
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%
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 HDFC Bank UPI RuPay Credit Card earns more
Questions
Does the HDFC Bank UPI RuPay Credit Card give rewards on Electricity bills?
Yes. The HDFC Bank UPI RuPay Credit Card gives 0.5% back when you pay on Electricity bills directly, compared with 0.25% on its other spends.
Is there a limit on HDFC Bank UPI RuPay Credit Card rewards?
3 CashPoints per ₹100 on groceries, supermarkets, dining and PayZapp; 2 per ₹100 on utilities; 1 per ₹100 on other spends; each tier capped at 500 CashPoints a calendar month. Applies to UPI and card spends. 1 CashPoint = ₹0.25 against the statement (min ₹500).
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 HDFC Bank UPI RuPay Credit Card ranks #64 of 149 cards we compared, by what each returns after caps.