Utility Bill Payment Credit Cards with Grocery Shopping Offers in India 2026

Upto 10% benefit on Tata Neu App, on partner Tata Brands
✔︎ 5% benefit on partner Tata brands on Tata Neu app: You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select Tata brands on Tata Neu app, as a Tata Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

5% special benefit on select Tata brands, outside Tata Neu App 
– You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1.50% basic benefit on all other card purchases : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on all other card purchases

1.50% benefit on UPI spends (on Rupay card version) : You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges outside India – 1 time per quarter 

Complimentary visits to airport lounges in India – 2 times per quarter 

1% fuel surcharge waiver, upto ₹500 per month 
You get a 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹50,000 per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle)

Complimentary insurance benefits
– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs

Benefits
– Good card choice for those who like to shop at various Tata brands
– Complimentary airport lounge access both in India and abroad
– 1.50% rewards even on UPI spends, on Rupay variant of the card

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

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% earning on HPCL purchases (fuel & LPG)
■ 2.50% benefit on HPCL fuel purchases – only on purchases upto ₹5000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at HPCL pumps –
– This is valid only on fuel purchases upto ₹5000 per month, since the maximum number of special reward points is restricted to 500 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
■ Additional 1.50% benefit on HPCL fuel purchases through HP Pay App 
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called Zillion).
■ 1% fuel surcharge waiver on fuel purchases at all fuel stations – on all fuel expenses upto ₹5,000 per month.
(Fuel includes petrol, diesel & LPG)

2.50% benefit on grocery purchases & utility expenses – only on spends upto ₹4000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total purchases of up to ₹4000 per month in these categories, since the maximum number of special reward points is restricted to 400 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.

2.50% benefit on FASTag recharges – only on recharges upto ₹2000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on FASTag recharges.
– This is valid only on up to ₹2000 of recharges every month, since the maximum number of special reward points is restricted to 200 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– IDFC FIRST FASTag transactions are eligible for rewards only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.33% basic benefit on all other card purchases
– You earn 1.33 points worth ₹0.33 (33 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– Exceptions : No reward points are given on following card spends & transactions – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals.

Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year. To know more details, please click here.

Complimentary insurance covers
– ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.
– Credit shield cover of ₹50,000 – for unpaid bills on the card , in the event of accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.
Above insurance covers are applicable only for an active card i.e cardholder should have done atleast 1 purchase/ATM withdrawal transaction during the last 30 days.

Benefits
– Attractive benefit rate of 5% on monthly fuel purchases
– Good benefit rate of 2.50% on grocery purchases & utility bill payments
– 1st year annual fee is fully covered by joining benefits. Low annual card spend target (of ₹50,000) to get annual fee waived off.
– The card also offers a range of additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Drawbacks
– The card is not attractive for individuals who incur fuel expenses much higher than ₹5000 per month
– You are restricted to HPCL pumps, to avail special fuel benefits

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.

Benefits
– Attractive benefit rate of 5.80% on monthly fuel spends at IOCL outlets – 4.80% on fuel purchases PLUS 1% waiver on fuel surcharge
– Low annual spend target (of ₹50,000) to get renewal fees waived off
– Attractive reward rate of 4.80% on grocery purchases and bill payments
– So, overall it is a good entry-level fuel card, since it gives accelerated rewards on fuel upto a monthly fuel spend of ₹3,000 and also has a low annual fee waiver threshold of ₹50,000
– 1% – 10% cashback on various spends, on HDFC SmartBuy.

Drawbacks
– To earn accelerated fuel rewards, it is necessary to visit IOCL Outlets specifically, hence one needs to plan more when refuelling
– Not ideal for high fuel spenders, for those spending more than ₹3000 per month
– The redemption process is not as straightforward as a simple cashback card.

2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month
– You get ₹1 (as cashback), on every ₹100 you spend
– This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
.- Exceptions : No cashback is given on following card spends – fuel, rent and wallet loads.

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

Benefits
– Low annual fee of ₹199
– Low annual card spend requirement of ₹40,000, to get annual fee waiver from 2nd year onwards
– 2% cashback on grocery purchases, department store purchases, utility bill payments

Drawbacks
– Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)

Upto 7% benefit on Tata Neu App, on partner Tata Brands
✔︎ 2% benefit on partner Tata brands on Tata Neu app: You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu.
✔︎ Additional 5% benefit on select partner Tata brands on Tata Neu app, as a Neu Pass member :
– As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.

2% special benefit on select Tata brands, outside Tata Neu App
– You earn 2 NeuCoins worth ₹2, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets).
– This is valid only on non-EMI purchases.

1% basic benefit on all other card purchases : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on all other card purchases

1% benefit on UPI spends (on Rupay card version) : You earn 1 NeuCoins worth ₹1, on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month.

Complimentary visits to airport lounges in India – 1 time per quarter

1% fuel surcharge waiver, upto ₹250 per month
You get a 1% fuel surcharge waiver , at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at  ₹250 per monthly card statement cycle)

Benefits
– Good card choice for those who like to shop at various Tata brands.
– Complimentary airport lounge access in India
– UPI enabled on Rupay version of card, along with 1% reward on UPI spends

Drawbacks
– Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards

6.50% earning on HPCL fuel purchases (petrol, diesel & LPG)
– 4% benefit on HPCL fuel purchases, on purchases upto ₹10,000 per month : Earn 16 reward points worth ₹4, on every ₹100 you spend at HPCL pumps – only on purchases upto ₹10,000 per month.1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform
– 1.50% benefit on HPCL fuel purchases through HP Pay App, on purchases upto ₹5000 per month : Earn 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through HP Pay app – only on spends upto ₹5000 per month. 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called Zillion)
– 1% fuel surcharge waiver on purchases at all fuel stations, on purchases upto ₹20,000 per month

5% benefit on grocery purchases & utility expenses, on purchases upto ₹4000 per month
– You earn 20 reward points worth ₹5, on every ₹100 you spend on grocery & utility spends – only on total purchases upto ₹4000 per month
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform

5% benefit on FASTag, on recharges upto ₹2000 per month
– You earn 20 reward points worth ₹5, on every ₹100 you spend on FASTag recharges – only on recharges upto ₹2000 per month.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform.
– This is valid only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.50% basic benefit on all other card spends
– You earn 2 points worth ₹0.50 (50 paise), on every ₹100 you spend on all other purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First Bank’s Rewards Platform
– Exceptions : No reward points are given on following card spends – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals

Emergency complimentary roadside assistance (RSA) package worth ₹1399 
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year

Complimentary insurance covers
- ₹25000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
- ₹2 lakh personal accident cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.
- Credit shield cover of ₹50,000 – for unpaid bills on the card, in the event of an accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.

Benefits
- Attractive benefit rate of 6.50% on fuel purchases
- Good benefit rate of 5% on grocery purchases, utility bills and FASTag recharges
- Additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Drawbacks
- Cardholders are restricted to HPCL pumps, to avail attractive fuel benefits