Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹50,000 Monthly Electricity, Water, Gas & Broadband Bills Spend
Top-rated credit cards for ₹50,000/mo spent on Electricity, Water, Gas & Broadband Bills. #1 Tata Neu Infinity HDFC Credit Card yields ₹25,173 net annual value (4.2% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold4.2% ROI
Tata Neu Infinity HDFC Credit Card
HDFC Bank
Net Annual Value+₹25,173
🥈 Rank #2 Silver2.58% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹15,504
🥉 Rank #3 Bronze2.37% ROI
Myntra Kotak Credit Card
Kotak Mahindra Bank
Net Annual Value+₹14,216
Full 10-Card Ranked Standings (@ ₹50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 5% | ₹25,173 | Waived (₹0) | +₹25,173 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹27,304 | ₹11,800 | +₹15,504 | Apply → |
| #3 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹14,216 | Waived (₹0) | +₹14,216 | Apply → |
| #4 | American Express Membership Rewards Credit CardAmerican Express | 2% | ₹13,950 | Waived (₹0) | +₹13,950 | Apply → |
| #5 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹13,364 | Waived (₹0) | +₹13,364 | Apply → |
| #6 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹27,304 | ₹14,750 | +₹12,554 | Apply → |
| #7 | Amazon Pay ICICI Bank Credit CardICICI Bank | 2% | ₹12,327 | Waived (₹0) | +₹12,327 | Apply → |
| #8 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹12,305 | Waived (₹0) | +₹12,305 | Apply → |
| #9 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹11,645 | Waived (₹0) | +₹11,645 | Apply → |
| #10 | Airtel Axis Bank Credit CardAxis Bank | 10% | ₹10,309 | Waived (₹0) | +₹10,309 | Apply → |
| #11 | Swiggy HDFC Bank Credit CardHDFC Bank | 0% Excluded | ₹10,036 | Waived (₹0) | +₹10,036 | Apply → |
| #12 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹8,761 | Waived (₹0) | +₹8,761 | Apply → |
| #13 | SBI Cashback Credit CardSBI Card | 0% Excluded | ₹7,909 | Waived (₹0) | +₹7,909 | Apply → |
| #14 | Standard Chartered Smart Credit CardStandard Chartered Bank | 1% | ₹7,009 | Waived (₹0) | +₹7,009 | Apply → |
| #15 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 0.75% | ₹6,586 | Waived (₹0) | +₹6,586 | Apply → |
| #16 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹6,518 | Waived (₹0) | +₹6,518 | Apply → |
| #17 | Flipkart Axis Bank Credit CardAxis Bank | 0% Excluded | ₹6,491 | Waived (₹0) | +₹6,491 | Apply → |
| #18 | YES BANK Marquee Credit CardYES BANK | 1% | ₹11,407 | ₹5,899 | +₹5,508 | Apply → |
| #19 | IndusInd Bank Tiger Credit CardIndusInd Bank | 0.7% | ₹5,168 | Waived (₹0) | +₹5,168 | Apply → |
| #20 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹4,909 | Waived (₹0) | +₹4,909 | Apply → |
| #21 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹4,309 | Waived (₹0) | +₹4,309 | Apply → |
| #22 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹4,167 | Waived (₹0) | +₹4,167 | Apply → |
| #23 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹4,036 | Waived (₹0) | +₹4,036 | Apply → |
| #24 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.5% | ₹3,607 | Waived (₹0) | +₹3,607 | Apply → |
| #25 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 0.5% | ₹3,436 | Waived (₹0) | +₹3,436 | Apply → |
| #26 | Axis Bank Atlas Credit CardAxis Bank | 0% Excluded | ₹8,945 | ₹5,900 | +₹3,045 | Apply → |
| #27 | OneCard Metal Credit CardFederal Bank | 0.2% | ₹2,329 | Waived (₹0) | +₹2,329 | Apply → |
| #28 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.25% | ₹2,052 | Waived (₹0) | +₹2,052 | Apply → |
| #29 | ICICI Bank Sapphiro Credit CardICICI Bank | 0.25% | ₹1,998 | Waived (₹0) | +₹1,998 | Apply → |
| #30 | Axis Bank Magnus Credit CardAxis Bank | 0% Excluded | ₹6,676 | ₹14,750 | +-₹8,074 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹50,000/month spent on Electricity, Water, Gas & Broadband Bills?▼
Tata Neu Infinity HDFC Credit Card ranks #1, generating ₹25,173 gross rewards and ₹25,173 in net annual value (4.2% 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 ₹15,504 net annual value. Tata Neu Infinity HDFC Credit Card outperforms it by ₹9,669/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 Tata Neu Infinity HDFC Credit Card at ₹600,000 annual spend, the fee is waived (₹0 effective fee).