Earn Cashback on Electricity Bills

In today’s digital payment world, managing electricity bill payments can lead to monthly savings, especially if you can earn 5% cash back on electricity bill payments. With popular platforms like Paytm, Google Pay, Amazon Pay, and PhonePe offering lucrative cashback deals, your routine bill payments can now become a source of monthly rewards.

Overview of 5% Cashback on Electricity Payments

Several mobile payment platforms in India now allow you to get 5% cashback on electricity bill payments, either through promotional offers, scratch cards, or linked credit cards. Here’s a quick look at how it works:

• Platforms Offering Cashback: Paytm, Google Pay, Amazon Pay, PhonePe, Mobikwik.
• Cashback Type: Instant credit, scratch cards, or SuperCash.
• Redemption: Cashback is usually credited to your wallet or UPI-linked account within a few days.
• Offer Frequency: Monthly, first-time bill payment, or during seasonal promos.

Electricity bill cashback deals have become a popular way for users to reduce household expenses without changing their energy consumption.

How Cashback Impacts Your Monthly Expenses

Let’s say your average monthly electricity bill is Rs. 2,000. With a 5% cashback electricity bill offer, that’s a direct ₹100 saving every month! Over the course of a year, this adds up to ₹1,200, which can be reinvested into other bills or savings goals. Cashback acts as a passive saving mechanism. You aren’t changing your lifestyle, but you can still earn money by simply choosing the right payment platform.

Comparison: Cashback vs. Other Discounts

So if you’re wondering whether cashback beats other rewards, yes, especially when it’s real cash back into your wallet or UPI-linked account.

Eligible Customer Profiles (Renters, Homeowners, Seniors)

Whether you’re a tenant managing utility bills or a homeowner juggling multiple payments, you’re likely eligible to earn 5% cashback on electricity bill payment—here’s how different user segments can benefit:

• Renters: Save monthly without relying on the landlord’s payment method. Great for students and working professionals living in shared accommodations.
• Homeowners: Larger bills = bigger cashback. Leverage seasonal cashback boosts and combine with credit card rewards.
• Senior Citizens: Use platforms like Amazon Pay or Paytm for hassle-free payments and track savings effortlessly.

Even first-time bill payers or non-tech-savvy users can take advantage of electricity bill cashback offers with basic guidance.

Pro tip: You can now use Zingoy as your cashback provider partner and double-dip your savings by earning cashback from Zingoy and your payment app when you pay your electricity bill. This stackable saving strategy is a game-changer!

Top Ways to Score 5% Cashback on Your Electricity Bill

We understand that paying for electricity can be troublesome, but here’s what we have got for you: a solution to surpass all the worry and make your savings even larger in number and appealing.

Pay the electricity bill and get up to 5% cashback just by choosing the right payment method. Whether you’re using a rewards credit card, a popular UPI app, or your bank’s bill payment platform, there are multiple ways to save money on electricity bill payments month after month.

Earn 5% cashback using a credit/debit card on electricity bill payments

Credit cards aren’t just for shopping anymore. With the right one, you can get a 5% cashback electricity bill every month. These cards offer rewards or cash straight back into your account when you pay your bills on time.

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Top Ways to Score 5% Cashback on Your Electricity Bill

Looking for effortless ways to save money on electricity bill payments? Whether you’re using credit cards, UPI apps, or banking platforms, you can now earn 5% cashback on electricity bill payment or more by simply choosing the right method. Below is a complete breakdown of the top platforms to help you maximize rewards each time you pay your power bill. Here is the list of Credit Cards Offering 5% Cashback

SBI Cashback Card / SBI SimplyCLICK

Both of these cards from SBI offer excellent electricity bill cashback rewards, especially when used through platforms like Paytm or for direct utility payments.

• SBI Cashback Card: Offers 5% cashback on online transactions, including electricity bill payments if made through utility portals.
• SimplyCLICK: Provides reward points that can be redeemed for vouchers or statement credit. Ideal for moderate monthly billers.

Pro Tip: Set up auto-debit via SBICard.com to ensure timely payments and maintain cashback eligibility.

Best For: Online shoppers & salaried individuals

Explore SBI Card cashback offers and save big on bills, shopping, and more via Zingoy!

HDFC Bank PayZapp + SmartPay

Combine the HDFC Bank PayZapp Credit Card with SmartPay to enjoy up to 5% cashback on electricity bill offers during your first year of enrollment.

• SmartPay automates bill payments and ensures zero late fees.
• Cashback is generally credited to your statement account within 60 days.

Best For: New homeowners, salaried professionals who want auto-pay convenience.

Save more on everyday spends with HDFC Bank Credit Card deals only on Zingoy!

Axis Bank Ace Credit Card

One of the most powerful cashback cards on the market, Axis Ace offers:

• Flat 5% cashback on bill payments made via Google Pay.
• Cashback is credited directly to your card statement.
• No rotating categories, consistent savings every month.

Best For: High electricity spenders & UPI-first users.

Power up your savings with Axis Bank credit card offers, get extra cashback and exclusive deals via Zingoy!”

Standard Chartered Super Value Titanium

This card is tailored for utility payments and offers:

• 5% cashback on electricity, gas, and phone bill payments.
• Monthly cashback capped at ₹200.
• Requires a minimum transaction value for cashback eligibility.

Best For: Families managing high monthly utility bills

UPI & Mobile Apps that provide cashback on electricity bill payment

If you’re wondering which apps give 5% cashback on electricity bill payments, these are the top-performing ones:

Paytm

A long-time favorite for utility bill payments:

• Offers up to ₹25 flat cashback or scratch cards.
• Seasonal promo codes often give higher cashback percentages.
• Works seamlessly with most credit/debit cards.

Best For: Frequent bill payers looking for instant cashback

Google Pay

Use Google Pay to:

• Unlock scratch cards up to ₹100 when you pay your electricity bill and get up to 5% cashback.
• Link with cards like Axis Ace for double benefits.
• Offers are often targeted based on biller and user history.

Best For: Mobile-first users and Axis Ace cardholders

PhonePe

One of the most user-friendly apps for paying bills:

• First-time users may get ₹25–₹50 cashback.
• Existing users often receive cashback coupons or goldback rewards.
• Supports payments through UPI and debit/credit cards.

Best For: First-time users and deal hunters

MobiKwik

Frequent promotions make MobiKwik a solid cashback platform:

• Use coupon codes to get SuperCash or flat cashback (up to ₹100).
• Sometimes offers 5% cashback on electricity bill deals during campaigns.
• Works with Zingoy for additional layered rewards.

Best For: Voucher lovers & SuperCash enthusiasts

Amazon Pay

If you’re a Prime member, you’re in luck:

• Regularly runs promotions offering up to 5% cashback on electricity bills.
• Cashback is credited as an Amazon Pay balance usable across Amazon and partner merchants.
• Easy to pay bills via Alexa, app, or desktop.

Best For: Prime subscribers & Amazon loyalists.

Dedicated Bill Payment Platforms

These bank-integrated platforms automate your bill payments and reward you with cashback or loyalty points.

HDFC SmartPay

Perfect for those who prefer the “set it and forget it” approach:

• Earn 5% cashback on electricity bill payment for the first 12 months after SmartPay registration.
• Works with HDFC credit cards, ensuring automatic deductions.
• Prevents missed payments and adds financial discipline.

Best For: Busy professionals, homeowners

ICICI Bank Standing Instructions

ICICI allows you to register your biller and set up auto-debit instructions from your bank account or ICICI credit card.

• Rewards include cashback or accelerated reward points.
• Often bundled with offers on utility spends and credit card promos.

Best For: ICICI customers with regular utility payments

Here’s a pro tip for you – Maximize Your Earnings
Pair these methods with Zingoy cashback deals for double the savings. For example:

• Pay via Google Pay + Axis Ace Card = 5% cashback
• Activate offer via Zingoy = extra cashback on top!
• That’s double-dip savings, no extra effort required!

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Jupiter CSB Edge+ Credit Card – 

The Jupiter CSB Edge+ card gives you 10% cashback up to ₹1,500 per billing cycle. Here’s how it works:

• Eligible merchants: Amazon, Flipkart, Myntra, AJIO, Reliance Trends, and Croma
• Monthly cashback cap: ₹500 per merchant, across any 3 merchants per cycle
• Example use: Buy ₹5,000 worth of AJIO gift vouchers at 10% cashback and use those vouchers to pay bills or make purchases.
• Annual charges: The card is Lifetime Free (LTF), but has a one-time joining fee of ₹500 + GST.

SBI PhonePe Rupay Card (Black Variant) 

The SBI PhonePe Rupay Black Credit Card offers:

• 10% cashback on PhonePe merchant spends
• However, there’s a 0.9% convenience fee on utility bill payments, making the effective cashback.

Step‑by‑Step Guide to Claiming Your Cashback

So you’ve discovered how easy it is to pay your electricity bill and get up to 5% cashback—but how do you claim it? Whether you’re using a credit card, UPI app, or Zingoy cashback offers, follow this simple guide to maximize your cashback earnings and save money on electricity bill payments every month.

Step 1: Choose the Best Payment Method

To earn 5% cashback on electricity bill payment, start by selecting the most rewarding platform based on your preferences:

• Want instant scratch cards? Then you must use – Google Pay or PhonePe.
• Prefer flat cashback – then use Amazon Pay, Paytm, or Mobikwik promo codes.
• Using credit cards, choose to opt for Axis Ace (via Google Pay), HDFC PayZapp, or SBI Cashback Card.
• Want automation? Set up biller registration with HDFC SmartPay or ICICI Bank standing instructions.

 Step 2: Complete the Bill Payment Correctly

Follow the right payment path to ensure your electricity bill cashback gets credited:

• Open the selected app (e.g., Paytm, PhonePe, Amazon Pay).
• Go to the “Electricity Bill” section.
• Select your provider (BSES, TNEB, BESCOM, etc.) and enter the consumer number.
• Apply promo code (if required) at checkout.
• Use your linked credit/debit card, UPI, or wallet balance for payment.

Step 3: Track Your Cashback Credit

Once the payment is complete, track your cashback status to ensure you earn 5% cashback on electricity bill payment:

• For apps like Google Pay/PhonePe: Look under “Rewards” or “Offers”.
• For Paytm/MobiKwik: Cashback is usually credited instantly or within 24–72 hours.
• For credit cards (Axis, SBI, HDFC): Cashback appears in your monthly statement or credit summary.
• For SmartPay or ICICI standing instructions: Cashback may reflect in 30–60 days post-payment cycle.

Zingoy Tip: Maintain screenshots or transaction IDs in case you need to raise a claim.

Paying your electricity bill today isn’t just a chore, it’s an opportunity to save money and earn rewards. With the rise of UPI apps and digital wallets, you can now pay your electricity bill and get up to 5% cashback across multiple platforms. Here’s how to claim those benefits on each app efficiently.

Pro Tips to Maximize Your Electricity Rewards

Want to get more than just a receipt when paying your monthly power bill? With the right timing and platform, you can earn 5% cashback on electricity bill payment and even more when you combine credit card perks with app-specific rewards. Let’s break down how to save money on electricity bill payments like a pro.

Stack Bank & App‑Specific Offers

If you’re not stacking offers, you’re leaving money on the table. For example, using your HDFC Bank PayZapp Credit Card via HDFC SmartPay gives you a 5% cashback electricity bill benefit for 12 months. But when you start your payment via Zingoy, you also earn extra Zingoy cashback, which is double rewards!

Apps like Paytm, Google Pay, and PhonePe regularly offer cashback, coupons, or scratch cards. Pair these with cashback credit cards like Axis Ace, Standard Chartered Super Value Titanium, or SBI SimplyCLICK, and you’re unlocking savings from both the app and your bank.

Pro Zingoy Hack: Visit Zingoy before you pay our platform lists live deals so you can easily find which app or card combo gives the maximum electricity bill cashback.

Time Your Payments for New‑User Bonuses

Are you using a platform for the first time? Then don’t miss their first-time electricity bill cashback offers.

• PhonePe often gives up to Rs. 50 cashback for new billers.
• Amazon Pay occasionally runs 5% back offers for new electricity payments.
• Mobikwik provides new users with flat cashback or SuperCash via promo codes.

These offers are time-sensitive and often available only during flash campaigns, festival sales, or app-specific events. So, timing your electricity bill payment is crucial to maximize benefits.

Pro Zingoy Hack: Watch for “Zingoy Exclusive” badges. We list upcoming new-user cashback offers early so you don’t miss out.

Avoid Pitfalls: Hidden Fees & Expiry Dates

Not every offer is as rewarding as it looks. Here’s what you need to watch out for:

• Hidden Charges: Some apps may add small fees when using credit cards for bill payments, which can reduce your effective cashback.
• Minimum Spend Conditions: Most 5% electricity bill cashback offers apply only if your bill is above a certain threshold, usually ₹500–₹1,000.
• Expiry Dates: Cashback, reward coins, and scratch cards often expire in 7–15 days. Forget to use them? They vanish.

Also, note the monthly cashback cap on many cards limits rewards to Rs. 100 – Rs. 250 per billing cycle. If you go beyond that, your 5% dream gets diluted.

When you pay your electricity bill using platforms like Paytm, Amazon Pay, or HDFC SmartPay via Zingoy, you don’t just earn cashback from the payment app; you also unlock Zingoy-exclusive rewards. With every transaction, you can stack Zingoy cashback and even redeem it for Zingoy Gift Cards, which can be used across top brands, shopping sites, and future utility payments. It’s a smart way to double-dip on rewards while managing your monthly bills more efficiently.

Bottom Line

Whether you’re using a cashback card, UPI app, or a bank’s SmartPay feature, there’s always a way to pay your electricity bill and get up to 5% cashback. Combine this with Zingoy’s cashback deals, and your utility bill could turn into a mini reward opportunity each month. Smart, right?

When it comes to bill payments, don’t leave money on the table. With just a little planning, you can earn 5% cashback on electricity bill payments every single month. Whether you use Paytm, Google Pay, Amazon Pay, or a cashback credit card, the rewards add up.