Kotak UPI Rupay Credit Card on Electricity bills
No. The Kotak UPI Rupay Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
0.3%
Rank for Electricity bills
#138 of 149
Annual fee
Free
What to know before you pay on Electricity bills
How it works
Flat 0.3% everywhere at Kotak's ₹0.10 per point.
Caps & rules
- 3 Reward Points per ₹100 on UPI and card spends.
- 1,000 points = ₹100 (₹0.10 each, min 1,000 to redeem); lower for cash value.
- That works out to 0.3% back.
Reward limits
- 3 points per ₹100 on UPI and card spends: No limit
- Points on utility bills: Only on the first ₹35,000 per statement cycle
No rewards on
Rent, fuel, railway, wallet, EMI, education, balance transfer. From 1 Jun 2025: wallet loads, online skill gaming, insurance, government, rent, education and fuel earn nothing; utility spends earn only up to ₹35,000 per statement cycle
Checked 2026-09-28 · 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
Questions
Does the Kotak UPI Rupay Credit Card give rewards on Electricity bills?
No. The Kotak UPI Rupay Credit Card earns no rewards on Electricity bills.
Is there a limit on Kotak UPI Rupay Credit Card rewards?
3 Reward Points per ₹100 on UPI and card spends. 1,000 points = ₹100 (₹0.10 each, min 1,000 to redeem); lower for cash value. That works out to 0.3% back.
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 Kotak UPI Rupay Credit Card ranks #138 of 149 cards we compared, by what each returns after caps.