#1
HSBC
HSBC Live+ Credit Card
10% cashback on food, groceries, shopping & bills
₹999 joining + ₹999 annualCashbackSwiggy & Zomato
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Best cards
Best cards for bills & recharges in India (2026)
Electricity, mobile and recharges are usually excluded from rewards. These cards are the exception.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
HDFC Bank
PhonePe Ultimo Card
10% back on PhonePe bills, recharges & travel
₹999 + GST a yearBills & recharges
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#3
HDFC Bank
PhonePe Uno Credit Card
2% on PhonePe bills & travel
₹499 + GST a yearUnder ₹500 a yearBills & recharges
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| HSBC Live+ Credit CardHSBC | ₹999 joining + ₹999 annual | 10% cashback on food, groceries, shopping & bills | No |
| PhonePe Ultimo CardHDFC Bank | ₹999 + GST a year | 10% back on PhonePe bills, recharges & travel | No |
| PhonePe Uno Credit CardHDFC Bank | ₹499 + GST a year | 2% on PhonePe bills & travel | No |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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