PhonePe HDFC Bank Ultimo Credit Card on Electricity bills
Yes. The PhonePe HDFC Bank Ultimo Credit Card gives 10% back when you pay on Electricity bills directly, compared with 0% on its other spends.
On Electricity bills
10%
Other spends
0%
Rank for Electricity bills
#4 of 148
Annual fee
₹2,999 + Taxes
What to know before you pay on Electricity bills
Cap on Electricity bills
Max ₹1,000 a month (1,000 points a month, shared by PhonePe bills, recharges and travel)
How it works
10% on bills, recharges and travel paid in the PhonePe app (up to 1,000 points a month), 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber (up to 500), 1% on UPI Scan & Pay. Points worth ₹1 as statement credit. Electricity and phone bills earn 10% only when paid in the PhonePe app.
Caps & rules
- 10% reward points on PhonePe recharges, bills and travel (flights, buses, trains, hotels) paid in the PhonePe app, capped at 1,000 points a month.
- 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, capped at 500 a month.
- 1% on UPI Scan & Pay, capped at 500.
- 1 point = ₹1 as statement credit (min 500 points, max ₹7,500 a month).
- ₹999 fee waived at ₹2 Lakh annual spend.
Reward limits
- 10% on PhonePe recharges, bills and travel: max 1,000 points per calendar month
- 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, Uber: max 500 points per calendar month
No rewards on
Everything outside the listed categories; fuel, wallet loads, gift cards, EMI, government, rent, education, insurance
Checked 2026-10-25 · Bank terms
Other good cards for 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 PhonePe HDFC Bank Ultimo Credit Card earns more
Questions
Does the PhonePe HDFC Bank Ultimo Credit Card give rewards on Electricity bills?
Yes. The PhonePe HDFC Bank Ultimo Credit Card gives 10% back when you pay on Electricity bills directly, compared with 0% on its other spends.
Is there a limit on PhonePe HDFC Bank Ultimo Credit Card rewards?
10% reward points on PhonePe recharges, bills and travel (flights, buses, trains, hotels) paid in the PhonePe app, capped at 1,000 points a month. 5% on Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato and Uber, capped at 500 a month. 1% on UPI Scan & Pay, capped at 500. 1 point = ₹1 as statement credit (min 500 points, max ₹7,500 a month). ₹999 fee waived at ₹2 Lakh annual spend.
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 PhonePe HDFC Bank Ultimo Credit Card ranks #4 of 148 cards we compared, by what each returns after caps.