IDFC FIRST Millennia Credit Card on Electricity bills
Yes, but only its standard rate: the IDFC FIRST Millennia 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
#111 of 149
Annual fee
Free
What to know before you pay on Electricity bills
How it works
Swiggy/Zomato get 10X only if coded as dining; travel sites and airlines count as travel.
Caps & rules
- 1 point per ₹200 = 1X, 1 point = ₹0.25.
- 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%).
- Lifetime free.
- Points valid 24 months.
Reward limits
- 10X points on dining, travel, international and birthday spends; 3X elsewhere: Points only on spends up to your credit limit per billing cycle
- 1X points on utilities, insurance, railways and FASTag: No limit
No rewards on
Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.
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%
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 Millennia Credit Card earns more
Questions
Does the IDFC FIRST Millennia Credit Card give rewards on Electricity bills?
Yes, but only its standard rate: the IDFC FIRST Millennia Credit Card gives 0.12% back on Electricity bills, the same as most other spends.
Is there a limit on IDFC FIRST Millennia Credit Card rewards?
1 point per ₹200 = 1X, 1 point = ₹0.25. 10X on dining, travel, international and your birthday (1.25%); 3X elsewhere (0.375%); 1X on utilities, insurance, railway, FASTag (0.125%). Lifetime free. Points valid 24 months.
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 Millennia Credit Card ranks #111 of 149 cards we compared, by what each returns after caps.