SBI Card PRIME on Electricity bills
Yes. The SBI Card PRIME gives 5% back when you pay on Electricity bills directly, compared with 0.5% on its other spends.
On Electricity bills
5%
Other spends
0.5%
Rank for Electricity bills
#5 of 149
Annual fee
₹2,999 + Taxes
What to know before you pay on Electricity bills
Cap on Electricity bills
Max ₹750 a month (3,000 points, only for bills on SBI Card standing instruction)
How it works
Same dining caveat as ELITE for Swiggy/Zomato. Movies included on PRIME. Utility bills earn 5% only via SBI Card standing instructions, not Google Pay/PhonePe. Electricity 5% only via SBI Card standing instructions.
Caps & rules
- 10 points per ₹100 on dining, departmental stores, movies and grocery; 20 points per ₹100 on utility bills paid by standing instruction on the SBI Card app (first 3,000 points); 20 per ₹100 around your birthday (2,000 points a year).
- 2 per ₹100 elsewhere.
- 4 points = ₹1.
Reward limits
- 20 points per ₹100 on utility bills paid by standing instruction: max 3,000 points
- 20 points per ₹100 on birthday spends: max 2,000 points per calendar year
- 10 points per ₹100 on dining, departmental stores, movies and grocery: No published limit
No rewards on
Fuel, rent, wallet loads, government, gaming, education, EMI/Flexipay
Checked 2026-09-27 · 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 SBI Card PRIME earns more
Questions
Does the SBI Card PRIME give rewards on Electricity bills?
Yes. The SBI Card PRIME gives 5% back when you pay on Electricity bills directly, compared with 0.5% on its other spends.
Is there a limit on SBI Card PRIME rewards?
10 points per ₹100 on dining, departmental stores, movies and grocery; 20 points per ₹100 on utility bills paid by standing instruction on the SBI Card app (first 3,000 points); 20 per ₹100 around your birthday (2,000 points a year). 2 per ₹100 elsewhere. 4 points = ₹1.
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 SBI Card PRIME ranks #5 of 149 cards we compared, by what each returns after caps.