Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹150,000 Monthly Electricity, Water, Gas & Broadband Bills Spend
Top-rated credit cards for ₹150,000/mo spent on Electricity, Water, Gas & Broadband Bills. #1 HDFC Infinia Metal Edition yields ₹81,911 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+₹81,911
🥉 Rank #3 Bronze4.2% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹75,518
Full 10-Card Ranked Standings (@ ₹1,50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹81,911 | Waived (₹0) | +₹81,911 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹81,911 | Waived (₹0) | +₹81,911 | Apply → |
| #3 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹75,518 | Waived (₹0) | +₹75,518 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹42,648 | Waived (₹0) | +₹42,648 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 2% | ₹41,850 | Waived (₹0) | +₹41,850 | Apply → |
| #6 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹36,982 | Waived (₹0) | +₹36,982 | Apply → |
| #7 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹36,916 | Waived (₹0) | +₹36,916 | Apply → |
| #8 | YES BANK Marquee Credit CardYES BANK | 1% | ₹34,220 | Waived (₹0) | +₹34,220 | Apply → |
| #9 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹34,091 | Waived (₹0) | +₹34,091 | Apply → |
| #10 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹30,109 | Waived (₹0) | +₹30,109 | Apply → |
| #11 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹26,284 | Waived (₹0) | +₹26,284 | Apply → |
| #12 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹24,436 | Waived (₹0) | +₹24,436 | Apply → |
| #13 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹23,727 | Waived (₹0) | +₹23,727 | Apply → |
| #14 | Standard Chartered Smart Credit CardStandard Chartered Bank | 1% | ₹21,027 | Waived (₹0) | +₹21,027 | Apply → |
| #15 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹26,836 | ₹5,900 | +₹20,936 | Apply → |
| #16 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0.75% | ₹19,759 | Waived (₹0) | +₹19,759 | Apply → |
| #17 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹19,555 | Waived (₹0) | +₹19,555 | Apply → |
| #18 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹19,473 | Waived (₹0) | +₹19,473 | Apply → |
| #19 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹18,927 | Waived (₹0) | +₹18,927 | Apply → |
| #20 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0.7% | ₹15,505 | Waived (₹0) | +₹15,505 | Apply → |
| #21 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹14,727 | Waived (₹0) | +₹14,727 | Apply → |
| #22 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹12,927 | Waived (₹0) | +₹12,927 | Apply → |
| #23 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹12,502 | Waived (₹0) | +₹12,502 | Apply → |
| #24 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹12,109 | Waived (₹0) | +₹12,109 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.5% | ₹10,820 | Waived (₹0) | +₹10,820 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹10,309 | Waived (₹0) | +₹10,309 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0.2% | ₹6,987 | Waived (₹0) | +₹6,987 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.25% | ₹6,157 | Waived (₹0) | +₹6,157 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.25% | ₹5,993 | Waived (₹0) | +₹5,993 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹20,029 | ₹14,750 | +₹5,279 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹150,000/month spent on Electricity, Water, Gas & Broadband Bills?▼
HDFC Infinia Metal Edition ranks #1, generating ₹81,911 gross rewards and ₹81,911 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 ₹81,911 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, Axis Bank Atlas 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 ₹1,800,000 annual spend, the fee is waived (₹0 effective fee).