HDFC IndianOil Credit Card on Electricity bills
Yes. The HDFC IndianOil Credit Card gives 4.8% back when you pay on Electricity bills directly, compared with 0.64% on its other spends.
On Electricity bills
4.8%
Other spends
0.64%
Rank for Electricity bills
#41 of 149
Annual fee
₹500 + Taxes
What to know before you pay on Electricity bills
Cap on Electricity bills
Max ₹96 a month (100 Fuel Points on bill payments)
How it works
5% in Fuel Points at IndianOil, on groceries and on bill payments, valuing a Fuel Point at ₹0.96 when converted to IndianOil XTRAREWARDS. The grocery and bill rates stop at about ₹96 a month each.
Caps & rules
- 5% as Fuel Points at IndianOil outlets (max 250 a month for the first 6 months, then 150).
- 5% on groceries and on bill payments (POS and online), max 100 Fuel Points a month in each.
- 1 Fuel Point per ₹150 on other spends, including UPI.
- 1 Fuel Point = 3 XTRAREWARDS points (₹0.96); only ₹0.20 as statement credit or catalogue.
Reward limits
- 5% Fuel Points at IndianOil: max 150 Fuel Points per month (250 in the first 6 months)
- 5% Fuel Points on groceries: max 100 Fuel Points per month
- 5% Fuel Points on bill payments: max 100 Fuel Points per month
No rewards on
Rent, wallet loads, government payments, EMI (HDFC standard exclusions)
Checked 2026-10-11 · Bank terms
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#1
PhonePe SBI Card SELECT BLACK
SBI Card · ₹1,499 + Taxes · Max ₹1,500 a month
10%
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#2
HSBC Live+ Credit Card
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#3
BOBCARD Cashback Credit Card
Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month · Max ₹1,875 per statement cycle
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Where else the HDFC IndianOil Credit Card earns more
Questions
Does the HDFC IndianOil Credit Card give rewards on Electricity bills?
Yes. The HDFC IndianOil Credit Card gives 4.8% back when you pay on Electricity bills directly, compared with 0.64% on its other spends.
Is there a limit on HDFC IndianOil Credit Card rewards?
5% as Fuel Points at IndianOil outlets (max 250 a month for the first 6 months, then 150). 5% on groceries and on bill payments (POS and online), max 100 Fuel Points a month in each. 1 Fuel Point per ₹150 on other spends, including UPI. 1 Fuel Point = 3 XTRAREWARDS points (₹0.96); only ₹0.20 as statement credit or catalogue.
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 IndianOil Credit Card ranks #41 of 149 cards we compared, by what each returns after caps.