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Paying your utility bills using your credit card can be a lot of convenience and rewarding. However, you might have to bear some extra transactions charges.

Credit cards are a great convenience. They allow you to carry out a number of transactions, while rewarding you for using it. Rewards are in the form of cashback or reward points. Utility bill payments is a major component of your monthly budgeting. It comprises power, water, gas, mobile, telephone, internet, and more.

So, is it really worth paying your utility bills using credit card?

What are the advantages of paying your utility bills using credit card?

  • Quick bill payment in a few simple steps; saves time and energy
  • Avoid standing in long queues 
  • Set up standing instructions or auto debit for added convenience
  • Earn reward points or cashback every time you make a bill payment

Are there any disadvantages in paying your utility bill using credit card?

There isn’t much inconvenience in using your credit card for utility bills. One disadvantage is the transaction charges you have to bear. Most banks charge a fee of 0.25% - 2% as transaction charges. For utility bills, this doesn’t translate into a huge amount. Even if your electricity bill is Rs. 2000, 0.25% of it would only be Rs.5. Though this is not a huge amount, when you have multiple bills to pay, this could result in a considerable amount.


Paying your utility bills using credit card does have a lot of advantages in terms of convenience and rewards. If you are okay with the small transaction fee charged, you can have a great experience with your credit card bill payments.

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