PhonePe SBI Card PURPLE on Electricity bills
Yes. The PhonePe SBI Card PURPLE gives 3% back when you pay on Electricity bills directly, compared with 1% on its other spends.
On Electricity bills
3%
Other spends
1%
Rank for Electricity bills
#7 of 149
Annual fee
₹499 + Taxes
What to know before you pay on Electricity bills
Cap on Electricity bills
Max ₹1,000 a month (1,000 points on PhonePe spends)
How it works
3% on PhonePe bills, recharges and travel, 2% on other online spends, 1% elsewhere, with points worth ₹1. Caps cut from 1 July 2026. Electricity and insurance 3% only when paid in the PhonePe app.
Caps & rules
- 3 reward points per ₹100 on PhonePe spends (capped at 1,000 a month, insurance 250), 2 per ₹100 on other online spends (capped at 750 a month), 1 per ₹100 elsewhere.
- 1 point = ₹1.
- ₹499 fee waived at ₹1 Lakh.
Reward limits
- 3% on PhonePe spends: max 1,000 points per month
- 2% on other online spends: max 750 points per month
No rewards on
Fuel, rent, wallet loads; from 1 Jul 2026 tolls, jewellery, education and non-PhonePe utilities
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 PhonePe SBI Card PURPLE earns more
Questions
Does the PhonePe SBI Card PURPLE give rewards on Electricity bills?
Yes. The PhonePe SBI Card PURPLE gives 3% back when you pay on Electricity bills directly, compared with 1% on its other spends.
Is there a limit on PhonePe SBI Card PURPLE rewards?
3 reward points per ₹100 on PhonePe spends (capped at 1,000 a month, insurance 250), 2 per ₹100 on other online spends (capped at 750 a month), 1 per ₹100 elsewhere. 1 point = ₹1. ₹499 fee waived at ₹1 Lakh.
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 SBI Card PURPLE ranks #7 of 149 cards we compared, by what each returns after caps.