Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly Electricity, Water, Gas & Broadband Bills Spend
Top-rated credit cards for ₹100,000/mo spent on Electricity, Water, Gas & Broadband Bills. #1 HDFC Infinia Metal Edition yields ₹54,607 net annual value (4.55% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver4.55% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹54,607
🥉 Rank #3 Bronze4.2% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹50,345
Full 10-Card Ranked Standings (@ ₹1,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹54,607 | Waived (₹0) | +₹54,607 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹54,607 | Waived (₹0) | +₹54,607 | Apply → |
| #3 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹50,345 | Waived (₹0) | +₹50,345 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹28,432 | Waived (₹0) | +₹28,432 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 2% | ₹27,900 | Waived (₹0) | +₹27,900 | Apply → |
| #6 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹26,727 | Waived (₹0) | +₹26,727 | Apply → |
| #7 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹24,655 | Waived (₹0) | +₹24,655 | Apply → |
| #8 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹24,611 | Waived (₹0) | +₹24,611 | Apply → |
| #9 | YES BANK Marquee Credit CardYES BANK | 1% | ₹22,814 | Waived (₹0) | +₹22,814 | Apply → |
| #10 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹20,291 | Waived (₹0) | +₹20,291 | Apply → |
| #11 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹20,073 | Waived (₹0) | +₹20,073 | Apply → |
| #12 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹17,523 | Waived (₹0) | +₹17,523 | Apply → |
| #13 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹17,073 | Waived (₹0) | +₹17,073 | Apply → |
| #14 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹15,818 | Waived (₹0) | +₹15,818 | Apply → |
| #15 | Standard Chartered Smart Credit CardStandard Chartered Bank | 1% | ₹14,018 | Waived (₹0) | +₹14,018 | Apply → |
| #16 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0.75% | ₹13,173 | Waived (₹0) | +₹13,173 | Apply → |
| #17 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹13,036 | Waived (₹0) | +₹13,036 | Apply → |
| #18 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹12,982 | Waived (₹0) | +₹12,982 | Apply → |
| #19 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹17,891 | ₹5,900 | +₹11,991 | Apply → |
| #20 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0.7% | ₹10,336 | Waived (₹0) | +₹10,336 | Apply → |
| #21 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹9,818 | Waived (₹0) | +₹9,818 | Apply → |
| #22 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹8,618 | Waived (₹0) | +₹8,618 | Apply → |
| #23 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹8,335 | Waived (₹0) | +₹8,335 | Apply → |
| #24 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹8,073 | Waived (₹0) | +₹8,073 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.5% | ₹7,214 | Waived (₹0) | +₹7,214 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹6,873 | Waived (₹0) | +₹6,873 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0.2% | ₹4,658 | Waived (₹0) | +₹4,658 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.25% | ₹4,105 | Waived (₹0) | +₹4,105 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.25% | ₹3,995 | Waived (₹0) | +₹3,995 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹13,353 | ₹14,750 | +-₹1,397 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on Electricity, Water, Gas & Broadband Bills?▼
HDFC Infinia Metal Edition ranks #1, generating ₹54,607 gross rewards and ₹54,607 in net annual value (4.55% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Diners Club Black Metal Edition delivering ₹54,607 net annual value. HDFC Infinia Metal Edition outperforms it by ₹0/year.
Which credit cards should I avoid for Electricity, Water, Gas & Broadband Bills?▼
Avoid Swiggy HDFC Bank Credit Card, SBI Cashback Credit Card, Flipkart Axis Bank Credit Card, as they provide 0.0% rewards on Electricity, Water, Gas & Broadband Bills due to bank category exclusions.
Will the annual fee of the winning card be waived?▼
For HDFC Infinia Metal Edition at ₹1,200,000 annual spend, the fee is waived (₹0 effective fee).