Every month we all pay the same unavoidable bills—electricity, piped gas, water, broadband—and most of the time we don’t even think twice about them. The money just goes out. But what if those regular payments could actually give you money back? With a simple setup, you can earn up to Rs.6000 cashback in a year just by paying your utility bills the smart way. This works using the AXIS ACE Bank credit card, which offers 5% cashback on utility bill payments, capped at Rs.500 per month. If you already spend on light bills and gas bills every month, this is one of the easiest ways to get cashback on utility bills without changing your spending habits.
How to Get Cashback on Utility Bills (Step-by-Step)
1. Apply for the AXIS ACE Bank Credit Card (Annual Fees is only Rs. 500)
First, you’ll need the AXIS ACE credit card. It’s one of the best credit cards for cashback in India, especially for everyday expenses like utility payments.
2. Use an Android Phone (This Is Important)
There’s a catch here—and it’s an important one. This cashback benefit works only on Android phones. If you’re using an iPhone, the cashback on utility bills won’t trigger. So make sure you have access to an Android device.
3. Install Google Pay on Your Android Phone
Download the Google Pay app and complete the setup with your mobile number. The app is essential because this offer works only through Google Pay.
4. Add Your AXIS ACE Credit Card to Google Pay
Once Google Pay is ready, add your AXIS ACE credit card as a payment method. Complete the verification so the card is fully active in the app.
5. Pay Utility Bills Using Google Pay Only
Use Google Pay to pay your electricity bill, piped gas bill, or other utility bills. Do not use other apps or direct biller websites—Google Pay is mandatory for this cashback to work.
6. Earn 5% Cashback Every Month
You’ll get 5% cashback, up to Rs.500 per month. If your utility expenses are high enough, you can easily hit the monthly cap.
7. Repeat Every Month to Earn Rs.6000 a Year
Rs.500 per month may not sound huge, but over 12 months it adds up to Rs.6000 cashback, earned purely from bills you were already paying.
Please read all the terms & conditions carefully before proceeding, the offers are subject to AXIS Bank rules – it is working as of now Dec 2025.
Final Verdict
If you’re serious about saving money on regular expenses, this is one of the simplest and most practical cashback tricks available right now. The AXIS ACE credit card clearly stands out as one of the best credit cards for cashback on utility bills, especially for electricity and gas payments. The Android-only limitation is a downside, but if you meet that condition, this method is almost a no-brainer. Paying your light bill or gas bill anyway? You might as well get rewarded for it. Over time, these small cashbacks turn into meaningful savings—and that’s smart money management.