All categories
Cards ranked for utilities
By effective returnreward points · base rate fallback · excl. rent, fuel, wallet load, tax, emi, education, govt
3.3%
cap: none
VerifiedAbout utilities rewards
Electricity, water, gas, and broadband bills. Most transactions in this category route through merchant category codes 4900, which is how reward rules identify them. The Airtel Axis Bank Credit Card leads for utilities today at 25% effective return. Tapwise tracks reward coverage at 7 utilities merchants.
What you would earn
Example calculationA ₹1,200 utilities purchase
₹300 reward
Airtel Axis Bank Credit Card, 25% effective cashback.
Frequently asked
5 questionsWhich credit card earns the most on utilities in India?
The Airtel Axis Bank Credit Card earns 25% effective return on utilities, the highest of the 8 cards Tapwise tracks in this category.
Which MCC codes count as utilities?
Tapwise treats merchant category codes 4900 as utilities when matching reward rules. Card networks assign the MCC at the merchant level, so the same purchase will be tagged the same way across cards.
How many utilities cards have a category-specific reward?
4 of the 8 ranked cards have a rule specifically for utilities. The rest fall back to their base rate at this category.
Which merchants count as utilities on Tapwise?
Common utilities merchants include Airtel, Electricity Bill, Gas Bill. See the merchant list on this page for the full set; each has its own dedicated reward breakdown.
How often does Tapwise update utilities reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.