CardologyMany cards exclude or cap utility payments. These are the ones that still pay well; here's what each returns on bills.
Find my best card in 60 seconds
10% on bills, recharges & travel in the PhonePe app; 5% online
10% on dining, food delivery, groceries, shopping & utilities (capped ₹1,200/month)
Rates are the return per ₹100 spent, with points valued at each card's best redemption (usually transfer to airline or hotel partners); gift-card redemptions are worth less. Caps limit how much spend earns the top rate. Ranked by Cardology; card details last checked 2026-10-18.
A card that wins on one category can lose overall once you add the rest of your spends and the annual fee. Tell Cardology roughly what you spend and it works out the best card, or pair of cards, for you.
Your best card depends on all your spends together, not one category. Cardology's free chat compares cards on your own numbers, including cards you already have, in about a minute.