First of all get a sbi cb card. Buy amazon GC of 15k to pay bills. You get 5%. Now get a tide card. Load rest of the bill amount to it. It will charge 2.5% as convenience but you get 5% on adding money to tide card via sbi cb.
Plus tide has certain offers like 1.5% cashback upto 750.
So this all will add upto a decent return on utility bills, infact a good return considering today's scenario.