Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹200,000 Monthly Electricity, Water, Gas & Broadband Bills Spend
Top-rated credit cards for ₹200,000/mo spent on Electricity, Water, Gas & Broadband Bills. #1 HDFC Infinia Metal Edition yields ₹109,214 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+₹1,09,214
🥉 Rank #3 Bronze4.2% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹1,00,691
Full 10-Card Ranked Standings (@ ₹2,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹1,09,214 | Waived (₹0) | +₹1,09,214 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹1,09,214 | Waived (₹0) | +₹1,09,214 | Apply → |
| #3 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹1,00,691 | Waived (₹0) | +₹1,00,691 | Apply → |
| #4 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹54,409 | Waived (₹0) | +₹54,409 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 2% | ₹52,800 | Waived (₹0) | +₹52,800 | Apply → |
| #6 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹49,309 | Waived (₹0) | +₹49,309 | Apply → |
| #7 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹49,222 | Waived (₹0) | +₹49,222 | Apply → |
| #8 | YES BANK Marquee Credit CardYES BANK | 1% | ₹45,627 | Waived (₹0) | +₹45,627 | Apply → |
| #9 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹41,455 | Waived (₹0) | +₹41,455 | Apply → |
| #10 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹40,145 | Waived (₹0) | +₹40,145 | Apply → |
| #11 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹35,045 | Waived (₹0) | +₹35,045 | Apply → |
| #12 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹31,636 | Waived (₹0) | +₹31,636 | Apply → |
| #13 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹35,782 | ₹5,900 | +₹29,882 | Apply → |
| #14 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹28,582 | Waived (₹0) | +₹28,582 | Apply → |
| #15 | Standard Chartered Smart Credit CardStandard Chartered Bank | 1% | ₹28,036 | Waived (₹0) | +₹28,036 | Apply → |
| #16 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0.75% | ₹26,345 | Waived (₹0) | +₹26,345 | Apply → |
| #17 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹26,073 | Waived (₹0) | +₹26,073 | Apply → |
| #18 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹25,964 | Waived (₹0) | +₹25,964 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0.7% | ₹20,673 | Waived (₹0) | +₹20,673 | Apply → |
| #20 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹20,236 | Waived (₹0) | +₹20,236 | Apply → |
| #21 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹19,636 | Waived (₹0) | +₹19,636 | Apply → |
| #22 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹17,236 | Waived (₹0) | +₹17,236 | Apply → |
| #23 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹16,669 | Waived (₹0) | +₹16,669 | Apply → |
| #24 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹16,145 | Waived (₹0) | +₹16,145 | Apply → |
| #25 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.5% | ₹14,427 | Waived (₹0) | +₹14,427 | Apply → |
| #26 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹13,745 | Waived (₹0) | +₹13,745 | Apply → |
| #27 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹26,705 | ₹14,750 | +₹11,955 | Apply → |
| #28 | OneCard Metal Credit CardFederal Bank | 0.2% | ₹9,316 | Waived (₹0) | +₹9,316 | Apply → |
| #29 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.25% | ₹8,209 | Waived (₹0) | +₹8,209 | Apply → |
| #30 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.25% | ₹7,991 | Waived (₹0) | +₹7,991 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹200,000/month spent on Electricity, Water, Gas & Broadband Bills?▼
HDFC Infinia Metal Edition ranks #1, generating ₹109,214 gross rewards and ₹109,214 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 ₹109,214 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 ₹2,400,000 annual spend, the fee is waived (₹0 effective fee).