IDFC FIRST Private Credit Card on Electricity bills
Yes, but only its standard rate: the IDFC FIRST Private Credit Card gives 0.67% back on Electricity bills, the same as most other spends.
On Electricity bills
0.67%
Other spends
6.67%
Rank for Electricity bills
Invite only, not ranked
Annual fee
₹50,000 + Taxes
What to know before you pay on Electricity bills
How it works
10X (10 points per ₹150) on domestic spends, worth 6.67% when points go to travel booked in the IDFC FIRST app at ₹1 each, or 1.67% elsewhere (₹0.25). Invite only.
Caps & rules
- 10X reward points on eligible domestic spends and 5X on international, per ₹150.
- 1 point = ₹1 on travel bookings in the IDFC FIRST app, ₹0.25 elsewhere.
- 50 bonus points on hotels and 20 on flights booked in the app.
- 50,000 points on paying the commencement fee.
- Points never expire.
- Invite only.
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 Private Credit Card earns more
Questions
Does the IDFC FIRST Private Credit Card give rewards on Electricity bills?
Yes, but only its standard rate: the IDFC FIRST Private Credit Card gives 0.67% back on Electricity bills, the same as most other spends.
Is there a limit on IDFC FIRST Private Credit Card rewards?
10X reward points on eligible domestic spends and 5X on international, per ₹150. 1 point = ₹1 on travel bookings in the IDFC FIRST app, ₹0.25 elsewhere. 50 bonus points on hotels and 20 on flights booked in the app. 50,000 points on paying the commencement fee. Points never expire. Invite only.
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 Private Credit Card is invite only, so it's listed apart from the ranking.