IDFC FIRST Quantum+ Credit Card on Electricity bills
Yes, but only its standard rate: the IDFC FIRST Quantum+ Credit Card gives 0.5% back on Electricity bills, the same as most other spends.
On Electricity bills
0.5%
Other spends
1%
Rank for Electricity bills
#66 of 149
Annual fee
Lifetime Free
What to know before you pay on Electricity bills
How it works
1% cashback on online, offline and IDFC-app UPI spends, 2% on online spends above ₹10,000 a cycle; total capped at ₹500 a cycle. UPI through Google Pay or PhonePe earns nothing. FD-backed, lifetime free.
Caps & rules
- 1% cashback on online spends up to ₹10,000 in a statement cycle and 2% above that; 1% on offline and UPI Scan & Pay in the IDFC FIRST app.
- 1% bonus on hotels and flights booked in the app.
- Total cashback capped at ₹500 per statement cycle.
- Credit limit = 100% of your FD.
Reward limits
- Total cashback: max ₹500 per statement cycle
No rewards on
EMI, ATM cash, UPI through third-party apps
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 Quantum+ Credit Card earns more
Questions
Does the IDFC FIRST Quantum+ Credit Card give rewards on Electricity bills?
Yes, but only its standard rate: the IDFC FIRST Quantum+ Credit Card gives 0.5% back on Electricity bills, the same as most other spends.
Is there a limit on IDFC FIRST Quantum+ Credit Card rewards?
1% cashback on online spends up to ₹10,000 in a statement cycle and 2% above that; 1% on offline and UPI Scan & Pay in the IDFC FIRST app. 1% bonus on hotels and flights booked in the app. Total cashback capped at ₹500 per statement cycle. Credit limit = 100% of your FD.
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 Quantum+ Credit Card ranks #66 of 149 cards we compared, by what each returns after caps.