Scapia Credit Card on Electricity bills
No. The Scapia Credit Card earns no rewards on Electricity bills.
On Electricity bills
0%
Other spends
2%
Rank for Electricity bills
#123 of 149
Annual fee
Free
What to know before you pay on Electricity bills
How it works
Flat 2% everywhere; 4% only on travel booked inside the Scapia app (not MMT/Cleartrip/IndiGo direct). Coins usable only on Scapia travel.
Caps & rules
- 10% Scapia Coins on card spends (2% at 5 coins = ₹1), 20% coins (4%) on flights, hotels, buses and trains booked in the Scapia app.
- RuPay card: 5% coins (1%) on UPI spends of ₹500+.
- Coins redeemable only for Scapia travel bookings (100% of booking value).
- Zero forex markup.
- Unlimited domestic lounges on ₹20,000 monthly spend.
Reward limits
- 10% Scapia Coins on card spends, 20% on travel booked in the Scapia app: No limit
- 5% coins on UPI with the RuPay card: Only on payments of ₹500 or more
No rewards on
Scapia publishes a list of ineligible transactions (typically fuel, rent, wallet, utilities, insurance, education, government)
Checked 2026-10-03 · 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 Scapia Credit Card give rewards on Electricity bills?
No. The Scapia Credit Card earns no rewards on Electricity bills.
Is there a limit on Scapia Credit Card rewards?
10% Scapia Coins on card spends (2% at 5 coins = ₹1), 20% coins (4%) on flights, hotels, buses and trains booked in the Scapia app. RuPay card: 5% coins (1%) on UPI spends of ₹500+. Coins redeemable only for Scapia travel bookings (100% of booking value). Zero forex markup. Unlimited domestic lounges on ₹20,000 monthly 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 Scapia Credit Card ranks #123 of 149 cards we compared, by what each returns after caps.