HSBC TravelOne Credit Card on Electricity bills
No. The HSBC TravelOne Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
1%
Rank for Electricity bills
#120 of 149
Annual fee
₹5,000 + Taxes
What to know before you pay on Electricity bills
How it works
Travel sites and airlines 2% (4 points at ₹0.50). Utility bills earn nothing; telecom recharges (Airtel/Jio) are not excluded.
Caps & rules
- 4 points per ₹100 on airlines, travel aggregators (MCC 4722/4723/4111/4131) and foreign currency, capped at 50,000 points a month; 2 per ₹100 elsewhere, uncapped.
- Points convert 1:1 to airline miles/hotel points instantly; valued at ₹0.50 here.
- 10,000 bonus points on ₹12 Lakh a year.
Reward limits
- 4 points per ₹100 on flights, travel sites and foreign currency: max 50,000 points per month
- 2 points per ₹100 on other spends: No limit
No rewards on
Fuel, utilities (4900), e-wallets, rent, education, government, insurance, jewellery, tax, money transfers
Checked 2026-10-03 · 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%
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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
5%
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Where else the HSBC TravelOne Credit Card earns more
Questions
Does the HSBC TravelOne Credit Card give rewards on Electricity bills?
No. The HSBC TravelOne Credit Card earns no rewards on Electricity bills.
Is there a limit on HSBC TravelOne Credit Card rewards?
4 points per ₹100 on airlines, travel aggregators (MCC 4722/4723/4111/4131) and foreign currency, capped at 50,000 points a month; 2 per ₹100 elsewhere, uncapped. Points convert 1:1 to airline miles/hotel points instantly; valued at ₹0.50 here. 10,000 bonus points on ₹12 Lakh a year.
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 HSBC TravelOne Credit Card ranks #120 of 149 cards we compared, by what each returns after caps.