Axis Bank Utility Bill Payment Credit Cards in India 2026

25% cashback (upto ₹300 per month) on Airtel bills – via Airtel Thanks App
– 25% cashback on Mobile, Satellite TV (DTH), Internet & wifi (Broadband) bills from Bharti Airtel – only on payments upto ₹1200 per month (since maximum cashback amount is limited to ₹300 per month).

10% cashback (upto ₹300 per month) on water, electricity and gas bills – via Airtel Thanks App
– 10% cashback on your water, electricity and gas bills, only on payments upto ₹3000 per month (since maximum cashback amount is ₹300 per month).

10% cashback (upto ₹500 per month) on grocery purchases (BigBasket) and food orders (Swiggy, Zomato)
– 10% cashback on Swiggy, Zomato, and BigBasket purchases – only on total combined purchases of upto ₹5000 per month (since maximum cashback is ₹500 per month)

1% cashback on all other spends
Exceptions : No cashback is earned on fuel purchases, wallet load transactions, rent payments and property related payments, jewelry & related payments, insurance payments. Please read our full review for more details.

Complimentary access to airport lounges in India – 4 per year

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get 15% discount (up to ₹500), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

Benefits
– Good card for a variety of utility bill payments – mobile, satellite TV, internet & wifi, water, gas, electricity
– Attractive cashback on food ordering (Zomato & Swiggy) & grocery purchases (BigBasket)
– Free airport lounge access in India (4 per year)
– Attractive dining program, and other exclusive benefits from Axis Bank available through Axis Grabdeals platform

Drawbacks-
– May need to look at other credit cards to get high rewards on other major spends like travel, shopping etc. 

5% cashback on paying utility bills, DTH and mobile recharge (only on Google Pay app) || 4% cashback at Swiggy, Zomato and Ola
✓ Earn ₹5 as cashback, on every ₹100 you spend on-
– utility payments (electricity, water, gas, LPG and broadband)
– DTH
– mobile recharge
(only through the Google Pay app)
✓ Earn ₹4 as cashback, on every ₹100 you spend on –
– food delivery (Swiggy and Zomato)
– ridesharing (Ola)
✓ You can earn a maximum cashback of ₹500 per month in the above 5% & 4% cashback categories

2% cashback on all other card spends : You earn ₹2 as cashback, on every ₹100 you spend on all other card purchases.

Complimentary airport lounge access in India –  4 times per year

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get 15% discount (up to ₹500), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

1% fuel surcharge waiver at all fuel stations, upto ₹500 per month 
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on total fuel purchases upto ₹50,000 per month, since the maximum waiver is restricted to ₹500 per month

Benefits
– 2% cashback on all purchases makes it a good choice for those who are looking for a good all round credit card (instead of managing multiple specialist cards to maximize benefits on various purchase categories)
– 5% cashback rate on a variety of bill payments through Google Pay App. (electricity, water, gas, LPG, broadband, DTH and mobile recharges)
– 4% cashback rate on specific food delivery & ridesharing purchases (Swiggy, Zomato and Ola).
– Complimentary lounge access at domestic airports – 4 per year.
– Dining program in partnership with EazyDiner

Drawbacks
– While 2% is a good cashback rate on all purchases, one can earn higher reward rates by getting multiple specialist cards which give higher reward rate on specific purchase categories like online purchases, travel, fuel etc.

10% discount on Myntra - on a select catalogue
– You get a flat 10% discount on all orders above ₹500 (minimum order amount needs to be ₹500)
– There is no restriction on the number of times you can avail this discount. There is also no restriction on the maximum discount amount per order..
– Discount is applicable on a selected Myntra collection for Axis Neo customers

5% discount (upto ₹150 per month), on utility bill paid through Amazon Pay - mobile recharge || broadband bill payment || DTH recharge
– You can avail this offer 1 time per month
– You get 5% discount on your utility bill (mobile recharge, broadband bills or DTH recharge) paid through Amazon Pay
– This is valid only on bill payment upto ₹3000 per month, since the maximum discount is capped at ₹150 per monthly card statement cycle.

10% discount (upto ₹250) on Blinkit (online groceries) - once per month
– You can avail this offer 1 time per month.
– You get a 10% discount (upto ₹250) on Blinkit orders, on minimum orders of ₹750, once a month.
– Hence you get a 10% discount on orders between ₹750 and ₹2500, once a month. On orders above ₹2500, discount percentage will fall below 10%.

40% discount on Zomato (upto ₹120 per order), on 2 orders every month
– You get a 40% discount (upto ₹120) on Zomato orders, on minimum orders of ₹200, twice every month.
– Hence you get a 40% discount on orders between ₹200 and ₹300, on 2 orders every month. On orders above ₹300, discount percentage will fall below 40%.

10% discount (upto ₹100 per month) on movie tickets - at BookMyShow
– You get 10% discount, on total movie ticket purchases of upto ₹1000 per month (since maximum discount is ₹100 per month).
– On purchases above ₹1000, discount percentage will fall below 10%
– The discount can be availed any number of times, but the maximum discount is capped at ₹100 per month.

Dining benefits through EazyDiner (Dining Delight program), upto ₹500 per month
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide. Minimum order amount required is ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333, on 2 orders each month. On orders above ₹3333, your discount percentage will fall below 15%.

0.10% benefit on all cards spends
– You earn 0.5 EDGE Reward point worth 10 paise, on every ₹100 you spend on all card purchases.

Benefits
– Attractive benefits at select partners – Myntra, Zomato, Blinkit, Amazon Pay (for bill payments), BookMyShow, EazyDiner.
– Low annual fee of ₹250. Lifetimefree card offers from time to time, and also on select channels.

Drawbacks
– You may need to look at other credit cards to get high rewards on other major spending needs like travel, fuel purchases etc.

5% cashback on Freecharge spends : You earn 5% cashback on all Freecharge spends.

2% cashback on ‘local commute’ spends : You earn 2% cashback on local commute expenses.

1% cashback on all other card spends : You earn 1% cashback on all other spends.
- Exceptions : No cashback is given on wallet loads, fuel spends, cash withdrawal, gold & jewellery transactions, returns & reversals, gift card purchases, government & education spends, EMI transactions, purchases converted to EMI, and rental payments.

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get 15% discount (up to ₹500), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

Benefits
– Good card for frequent Freecharge users, since you get 5% unlimited cashback on various types of spends
– The Axis Bank Freecharge Plus credit card offers an easy cashback process, without complicated procedures or requirements.
– This credit card has a low annual fee. It also offers a low annual card spend target (of ₹50,000), to get an annual fee waiver from 2nd year onwards.

Drawbacks to consider
– It can only be used as a specialist card along with other cards , since it does not offer attractive rewards on other major spending needs such as shopping and travel.

7% benefit on Spicejet spends (Spicejet mobile app or website)
– You earn 14 SpiceClub Points worth ₹7, on every ₹100 you spend at Spicejet
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

3% benefit on online food orders || online bill payment || online entertainment
– You earn 6 SpiceClub Points worth ₹3, on every ₹100 you spend in these categories
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

1.50% benefit on all other card spends
– You earn 3 SpiceClub Points worth ₹1.50, on every ₹100 you spend on all other card purchases
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights
- Exceptions : No SpiceClub Points are given on fuel spends, EMI transactions, purchases converted to EMI post facto, wallet loading transactions, cash advances, government services, insurance services, education services, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Upto 1.25% additional milestone benefit
– You get 4000 SpiceClub Points worth ₹2000, at annual card spend of ₹2 lakhs
– You get an additional 6000 SpiceClub Points worth ₹3000, at annual card spend of ₹4 lakhs
Hence you can get a total of 10,000 SpiceClub Points worth ₹5000, at annual card spend of ₹4 lakhs – 1.25% benefit.

Complimentary domestic airport lounge access – 8 per year

Complimentary SpiceClub Gold membership, benefits include –
– Welcome vouchers worth ₹7500
– Priority checkin
– 2 free upgrades & meals
– 1 free change/ cancellation

Dining benefits (Dining Delights program)
– Offer valid once per month
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%.

Fuel surcharge waiver at all fuel stations, upto ₹400 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40000 per month, since the maximum waiver is limited to ₹400 per month

Benefits
– High reward rate on Spicejet spends
– Good welcome offers

Drawbacks to consider
– You would need to consider other cards, to earn rewards on non-travel spends like shopping, fuel, and more.