YES Bank RESERV Credit Card on Electricity bills
Yes, but only its standard rate: the YES Bank RESERV Credit Card gives 0.75% back on Electricity bills, the same as most other spends.
On Electricity bills
0.75%
Other spends
1.5%
Rank for Electricity bills
#61 of 149
Annual fee
₹2,499 + Taxes
What to know before you pay on Electricity bills
How it works
Online 3% at ₹0.25/point (36,000 points per cycle max). Utility bills are a 'select' category at 0.75%.
Caps & rules
- 24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle).
- Max 36,000 points per statement cycle.
- ₹0.25 per point on flights/hotels.
- Forex markup 2% from 15 Jun 2026.
Reward limits
- All reward points: max 36,000 points per statement cycle
- Points on utility bills: max 750 points per statement cycle
No rewards on
From 15 Jun 2026: rent, wallet, fuel, UPI, government, marketing/advertising, insurance, education, railways, toll, ferry, cash, EMI
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
Where else the YES Bank RESERV Credit Card earns more
Questions
Does the YES Bank RESERV Credit Card give rewards on Electricity bills?
Yes, but only its standard rate: the YES Bank RESERV Credit Card gives 0.75% back on Electricity bills, the same as most other spends.
Is there a limit on YES Bank RESERV Credit Card rewards?
24 points per ₹200 online (3%), 12 offline (1.5%), 6 on select categories like utilities/DTH (0.75%, utility points capped at 750 per cycle). Max 36,000 points per statement cycle. ₹0.25 per point on flights/hotels. Forex markup 2% from 15 Jun 2026.
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 YES Bank RESERV Credit Card ranks #61 of 149 cards we compared, by what each returns after caps.