Cardfare / Best card by merchant / Google Pay bills & recharges
Best credit card for Google Pay bills & recharges
Cards ranked by what a typical ₹1,500 order on Google Pay bills & recharges earns back, using conservative point values. Caps and exclusions are shown next to each rate.
| # | Card | Back on ₹1,500 | Rate | Conditions |
|---|---|---|---|---|
| 1 | HSBC Live+ | ≈ ₹150 | 10% on utility bills from 26 Jul 2026 (shared ₹1,200/month cap) | 10% cashback capped at ₹1,200 a month across dining, food delivery, grocery, shopping and utilities Terms |
| 2 | Axis Bank ACE Credit Card | ≈ ₹75 | 5% cashback on electricity, water, gas, LPG & broadband bills paid via Google Pay (Android); shared ₹500/statement cap with 4% merchants | Combined cap of ₹500 per statement on the 5% (Google Pay bills/recharges) and 4% (Swiggy, Zomato, Ola) categories; 1.5% base is unlimited Terms |
| 3 | HDFC Infinia Metal Edition | ≈ ₹25 | 5 RP per ₹150 on utilities, capped at 2,000 RP per month (from 1 Sep 2024) | Utility Reward Points capped at 2,000 per month Terms |
| 4 | HDFC Diners Club Black Metal | ≈ ₹25 | 5 RP per ₹150 on utilities, capped at 2,000 RP per month | Utility Reward Points capped at 2,000 per month Terms |
| 5 | HDFC Regalia Gold | ≈ ₹23 | 5 RP per ₹200 on utilities, capped at 2,000 RP per calendar month | Utility Reward Points capped at 2,000 per calendar month Terms |
| 6 | Tata Neu Infinity HDFC Bank | ≈ ₹23 | 1.5% NeuCoins on utilities, capped at 2,000 NeuCoins per month | Utility NeuCoins capped at 2,000 per month Terms |
| 7 | Tata Neu Infinity SBI Card | ≈ ₹23 | 1.5% NeuCoins on utilities, capped at 2,000 NeuCoins per month | Utility NeuCoins capped at 2,000 per month Terms |
| 8 | HSBC Premier Metal | ≈ ₹23 | 3 RP per ₹100 on utilities; insurance/utilities/education/government/tax/wallet/jewellery/real-estate spends share a ₹1 lakh monthly earning cap (third-party figure) | Reward points on insurance, utilities, education, government, tax, wallet, jewellery and real-estate spends up to ₹1 lakh per month combined (third-party figure) Terms |
Ranking uses the bank's published rates only and never depends on any commission. Merchant category codes can differ by payment method (UPI vs card), which can change what a card earns.