IDFC FIRST Classic Credit Card on Electricity bills
Yes, but only its standard rate: the IDFC FIRST Classic Credit Card gives 0.12% back on Electricity bills, the same as most other spends.
On Electricity bills
0.12%
Other spends
0.38%
Rank for Electricity bills
#112 of 149
Annual fee
Free
What to know before you pay on Electricity bills
How it works
10X (1.25%) on dining, travel and international spends and on your birthday; 3X (0.375%) on most spends; 1X on utilities, insurance and railways. Swiggy and Zomato get 10X if coded as dining.
Caps & rules
- 1X = 1 reward point per ₹200; 1 point = ₹0.25.
- 10X on dining, travel, international and birthday spends; 3X on other eligible spends and UPI; 1X on some categories.
- Points earned only on spends up to your credit limit each cycle; valid 24 months.
- 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app.
- ₹99 + GST per redemption.
- Lifetime free.
Reward limits
- Reward points on all spends: Up to your credit limit per billing cycle
No rewards on
Fuel, EMI, ATM cash withdrawals
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 IDFC FIRST Classic Credit Card earns more
Questions
Does the IDFC FIRST Classic Credit Card give rewards on Electricity bills?
Yes, but only its standard rate: the IDFC FIRST Classic Credit Card gives 0.12% back on Electricity bills, the same as most other spends.
Is there a limit on IDFC FIRST Classic Credit Card rewards?
1X = 1 reward point per ₹200; 1 point = ₹0.25. 10X on dining, travel, international and birthday spends; 3X on other eligible spends and UPI; 1X on some categories. Points earned only on spends up to your credit limit each cycle; valid 24 months. 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app. ₹99 + GST per redemption. Lifetime free.
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 IDFC FIRST Classic Credit Card ranks #112 of 149 cards we compared, by what each returns after caps.