IDFC FIRST Gaj Metal Credit Card on Electricity bills
Yes, but only its standard rate: the IDFC FIRST Gaj Metal Credit Card gives 0.67% back on Electricity bills, the same as most other spends.
On Electricity bills
0.67%
Other spends
3.33%
Rank for Electricity bills
Invite only, not ranked
Annual fee
1st Year Fee: ₹12,500* Plus Applicable Taxes
What to know before you pay on Electricity bills
How it works
Up to 3.33% on card spends (5 points per ₹150) when points go to travel booked in the IDFC FIRST app at ₹1 each; 0.83% if redeemed elsewhere (₹0.25). Up to 33% back on hotels and 16.7% on flights booked in the app. Invite only.
Caps & rules
- Up to 5 reward points per ₹150 on card spends, 3 per ₹150 international.
- 45 bonus points per ₹150 on hotels and 20 on flights booked in the IDFC FIRST app.
- 1 point = ₹1 on travel bookings in the app (Tripstacc), ₹0.25 otherwise.
- Complimentary 3rd night for every 2 paid.
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 Gaj Metal Credit Card earns more
Questions
Does the IDFC FIRST Gaj Metal Credit Card give rewards on Electricity bills?
Yes, but only its standard rate: the IDFC FIRST Gaj Metal Credit Card gives 0.67% back on Electricity bills, the same as most other spends.
Is there a limit on IDFC FIRST Gaj Metal Credit Card rewards?
Up to 5 reward points per ₹150 on card spends, 3 per ₹150 international. 45 bonus points per ₹150 on hotels and 20 on flights booked in the IDFC FIRST app. 1 point = ₹1 on travel bookings in the app (Tripstacc), ₹0.25 otherwise. Complimentary 3rd night for every 2 paid.
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 Gaj Metal Credit Card is invite only, so it's listed apart from the ranking.