IDFC FIRST WOW! Credit Card on Electricity bills

Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on Electricity bills, the same as most other spends.

On Electricity bills

0.12%

Other spends

0.5%

Rank for Electricity bills

#110 of 149

Annual fee

Free

What to know before you pay on Electricity bills

How it works

Flat 0.5% almost everywhere; bills and railway 0.125%.

Caps & rules

4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway.
1 point = ₹0.25.
FD-backed, lifetime free, zero forex.

Reward limits

4 points per ₹200 on online, offline and international spends: Points only on spends up to your credit limit per billing cycle

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

Apply now Full review Compare all cards for Electricity bills

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 WOW! Credit Card earns more

Airtel 0.12% Google Pay 0.12% IRCTC 0.12% Insurance premiums 0.12% Jio 0.12% Paytm 0.12% PhonePe 0.12%

Questions

Does the IDFC FIRST WOW! Credit Card give rewards on Electricity bills?

Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on Electricity bills, the same as most other spends.

Is there a limit on IDFC FIRST WOW! Credit Card rewards?

4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway. 1 point = ₹0.25. FD-backed, lifetime free, zero forex.

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 WOW! Credit Card ranks #110 of 149 cards we compared, by what each returns after caps.