1. HSBC Live+ Credit Card
Annual fee ₹999 · Rewards up to 10% · You keep ₹15,480* a year
The HSBC Live+ Credit Card suits people who spend on food, groceries and bills. It gives 10% cashback on those spends, up to ₹1,200 a month, and 1.5% on most other spends with no limit.
- 10% on dining and food delivery
- 10% on groceries
- 10% on bills and utilities
- 1.5% on other spends
2. HDFC Bank Pixel Play Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹7,560* a year
The HDFC Bank Pixel Play Credit Card lets you pick two 5% cashback packs, such as food, travel or fashion, and one shopping site for 3%. It suits people who spend most of their money with a few favourite brands.
- 5% on Zomato
- 5% on BookMyShow
- 5% on MakeMyTrip, Uber
- 5% on Blinkit, Reliance Smart Bazaar
3. Kotak Cashback+ Credit Card
Annual fee ₹750 · Rewards up to 5% · You keep ₹6,600* a year
The Kotak Cashback+ Credit Card gives 5% back on online food and grocery delivery, movie tickets and OTT, and 3% on fuel, up to ₹750 a billing cycle. Other spends earn 0.5% with no limit.
- 5% on Swiggy, Zomato
- 5% on BigBasket, Blinkit
- 5% on BookMyShow
- 3% on fuel
- SBI CardTata Neu Infinity SBIVISA
4. Tata Neu Infinity SBI Credit Card
Annual fee ₹1,499 · Rewards up to 5% · You keep ₹6,571* a year
The Tata Neu Infinity SBI Credit Card gives 5% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1.5% on other eligible spends. 1 NeuCoin equals ₹1 of savings.
- 5% on Tata Neu brands
- 5% on BigBasket
- 1.5% on bills and utilities
- 1.5% on other spends
5. HSBC RuPay Cashback Credit Card
Annual fee ₹499 · Rewards up to 10% · You keep ₹4,800* a year
The HSBC RuPay Cashback Credit Card gives 10% cashback on dining, food delivery and groceries and 1% on other spends, up to ₹400 a month, and works on UPI. The ₹499 fee is waived on ₹2 lakh of yearly spends.
- 10% on dining and food delivery
- 10% on groceries
- 1% on other spends
6. BPCL SBI Card OCTANE
Annual fee ₹1,499 · Rewards up to 6.25% · You keep ₹4,470* a year
The BPCL SBI Card OCTANE gives 25 reward points per ₹100 on BPCL fuel and 10 points per ₹100 on groceries, department stores, dining and movies. Reward points can be used for free fuel at BPCL outlets.
- 6.25% on BPCL pumps
- 6.25% on Bharat Gas
- 2.5% on groceries
- 2.5% on dining and food delivery
- SBI CardTata Neu Plus SBIVISA
7. Tata Neu Plus SBI Credit Card
Annual fee ₹499 · Rewards up to 2% · You keep ₹3,960* a year
The Tata Neu Plus SBI Credit Card gives 2% back as NeuCoins on the Tata Neu app and partner Tata brands, and 1% on other eligible spends. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 2% on Tata Neu brands
- 2% on BigBasket
- 1% on bills and utilities
- 1% on other spends
8. RBL Bank ShopRite Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹3,390* a year
The RBL Bank ShopRite Credit Card gives 20 reward points per ₹100 on groceries, up to 5% back, with a ₹500 annual fee waived on ₹1.5 lakh of yearly spends.
- 5% on groceries
- 0.25% on other spends
9. IndianOil HDFC Bank Credit Card
Annual fee ₹500 · Rewards up to 4.8% · You keep ₹3,076* a year
The IndianOil HDFC Bank Credit Card gives 5% back as Fuel Points at IndianOil outlets and on groceries and bill payments, within small monthly caps. Fuel Points give the most value when you use them for free fuel at IndianOil.
- 4.8% on IndianOil pumps
- 4.8% on groceries
- 4.8% on bills and utilities
- 0.64% on other spends
- SBI CardSimplySAVE SBI CardVISA
10. SimplySAVE SBI Card
Annual fee ₹499 · Rewards up to 1.67% · You keep ₹2,982* a year
The SimplySAVE SBI Card gives 10 reward points per ₹150 (about 1.67% back) on dining, groceries, department stores and movies. It costs ₹499 a year, waived on ₹1 lakh of yearly spend.
- 1.67% on dining and food delivery
- 1.67% on groceries
- 0.17% on other spends
11. IndianOil Kotak Credit Card
Annual fee ₹449 · Rewards up to 4% · You keep ₹2,940* a year
The IndianOil Kotak Credit Card is Kotak's fuel card: 24 reward points per ₹150 at IndianOil pumps, worth 4%, plus a 1% surcharge waiver, for up to 5% savings on fuel. Groceries and dining earn 2%, and the ₹449 fee is waived on ₹50,000 of yearly spends.
- 4% on IndianOil pumps
- 2% on groceries
- 2% on dining and food delivery
- 0.5% on other spends
12. HDFC Bank RuPay IRCTC Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹2,760* a year
The HDFC Bank RuPay IRCTC Credit Card suits people who book train tickets often. It gives 5 reward points per ₹100 on IRCTC, worth ₹1 each on train tickets, and 8 railway lounge visits a year.
- 5% on IRCTC
- 1% on groceries
- 1% on other spends
13. Tata Neu Plus HDFC Bank Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹2,760* a year
The Tata Neu Plus HDFC Bank Credit Card gives 2% back as NeuCoins at partner Tata brands and 1% on other spends. NeuCoins are worth ₹1 each on Tata Neu and eligible Tata brands.
- 2% on Tata Neu brands
- 1% on groceries
- 1% on bills and utilities
- 1% on other spends
14. BPCL SBI Credit Card
Annual fee ₹499 · Rewards up to 3.25% · You keep ₹2,370* a year
The BPCL SBI Credit Card gives 13 reward points per ₹100 on BPCL fuel and 5 points per ₹100 on groceries, department stores, dining and movies. It suits people who fill fuel at BPCL pumps and want a low fee.
- 3.25% on BPCL pumps
- 1.25% on groceries
- 1.25% on dining and food delivery
- 0.25% on other spends
15. Shaurya SBI Card
Annual fee ₹250 · Rewards up to 1.25% · You keep ₹2,370* a year
The Shaurya SBI Card is SBI Card's low-fee RuPay card for defence and paramilitary staff, with 5 reward points per ₹100 at CSD canteens, grocery stores, restaurants and cinemas. Its ₹250 fee is waived on ₹50,000 of yearly spends, and interest is lower than on SBI Card's regular cards.
- 1.25% on groceries
- 1.25% on dining and food delivery
- 0.25% on other spends
16. IndusInd Bank Platinum Aura Edge Credit Card
Annual fee Free · Rewards up to 1.6% · You keep ₹2,362* a year
The IndusInd Bank Platinum Aura Edge Credit Card lets you pick a reward plan. On the Home Plan it earns 4 points per ₹100 on groceries, worth ₹0.40 each as cash credit (1.6% back), and IndusInd Bank lists no annual fee.
- 1.6% on groceries
- 0.56% on bills and utilities
- 0.2% on other spends
17. HPCL FIRST Power+ Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹1,800* a year
The HPCL FIRST Power+ Credit Card gives 5% back as reward points on HPCL fuel, grocery, utility bills and IDFC FIRST FASTag, plus 1.5% more on HPCL fuel paid through the HP Pay app. It costs ₹499 a year, reversed on ₹1.5 lakh of yearly spends.
- 5% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
18. ICICI Bank HPCL Super Saver Credit Card
Annual fee ₹500 · Rewards up to 5% · You keep ₹1,800* a year
The ICICI Bank HPCL Super Saver Credit Card is the higher of ICICI Bank's two HPCL cards: 4% cashback on HPCL fuel (up to ₹200 a month) plus 5% back as points on groceries, utility bills and department stores. It also adds roadside assistance and a quarterly lounge visit, which the cheaper HPCL Coral card does not have.
- 4% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
19. HDFC Bank UPI RuPay Credit Card
Annual fee ₹99 · Rewards up to 0.75% · You keep ₹1,620* a year
The HDFC Bank UPI RuPay Credit Card is a virtual card that lets you pay on UPI apps using credit. It is issued only as an add-on to another HDFC Bank credit card, and it earns CashPoints worth ₹0.25 each.
- 0.75% on groceries
- 0.75% on dining and food delivery
- 0.5% on bills and utilities
- 0.25% on other spends
20. HPCL FIRST Power Credit Card
Annual fee ₹199 · Rewards up to 3.5% · You keep ₹1,599* a year
The HPCL FIRST Power Credit Card is the lower-fee sibling of the Power+: ₹199 a year instead of ₹499, waived on just ₹50,000 of yearly spends, but it earns 3.5% as points on HPCL fuel instead of 5% and has no lounge access. Grocery, utility bills and IDFC FIRST FASTag earn 2.5%, and there is no foreign currency markup.
- 3.5% on HPCL pumps
- 2.5% on groceries
- 2.5% on bills and utilities
- 0.33% on other spends
21. Standard Chartered Ultimate Credit Card
Annual fee ₹5,000 · Rewards up to 3.33% · You keep ₹1,216* a year
The Standard Chartered Ultimate Credit Card pays a flat 5 reward points per ₹150, with each point worth ₹1, which is about 3.3% back on most spends. The ₹5,000 fee comes back as 5,000 points each year, and you also get golf, lounge visits and a 2% forex markup.
- 2% on bills and utilities
- 2% on groceries
- 3.33% on other spends
22. SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5% · You keep ₹1,201* a year
SBI Card PRIME gives 10 reward points per ₹100 (about 2.5% back) on dining, groceries, departmental stores and movies, with milestone vouchers and 4 international lounge visits. The ₹2,999 fee is waived on ₹3 lakh of yearly spends.
- 2.5% on dining and food delivery
- 2.5% on groceries
- 0.5% on other spends
23. HDFC Bank Freedom Credit Card
Annual fee ₹500 · Rewards up to 0.75% · You keep ₹1,017* a year
The HDFC Bank Freedom Credit Card is a low-fee card with a low income requirement. It gives 10X CashPoints at BigBasket, BookMyShow, OYO, Swiggy and Uber, and its fee is waived on spends of ₹50,000 in a year.
- 0.75% on BigBasket
- 0.75% on Swiggy
- 0.75% on OYO, Uber
- 0.75% on BookMyShow
24. ICICI Bank HPCL Coral Credit Card
Annual fee ₹199 · Rewards up to 2.5% · You keep ₹990* a year
The ICICI Bank HPCL Coral Credit Card is the low-fee HPCL card from ICICI Bank: ₹199 a year, waived on ₹50,000 of spends, with 2.5% cashback on HPCL fuel up to ₹100 a month. It suits a two-wheeler rider or small car owner who fills up for about ₹4,000 a month and wants a cheap card, not the bigger grocery and bill rewards of the HPCL Super Saver.
- 2.5% on HPCL pumps
- 0.25% on groceries
- 0.25% on bills and utilities
- 0.5% on other spends
- HDFC BankHDFC Bank BizPowerVISA
25. HDFC Bank BizPower Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹500* a year
The HDFC Bank BizPower Credit Card is a business card that earns 5 reward points per ₹200, and up to 5X on tax, GST, bill, ads and business travel payments once you spend ₹25,000 in a cycle. It suits business owners with ₹12 lakh or more in yearly income who can use points on SmartBuy travel.
- 1.25% on groceries
- 1.25% on bills and utilities
- 1.25% on other spends
26. HDFC Bank Regalia Gold Credit Card
Annual fee ₹2,500 · Rewards up to 6.25% · You keep ₹500* a year
The HDFC Bank Regalia Gold Credit Card suits people who travel and spend ₹4 lakh or more a year. It gives 5 reward points per ₹200, a 2% forex markup and lounge visits in India and abroad.
- 6.25% on Myntra, Nykaa, Reliance Digital, Marks & Spencer
- 1.25% on groceries
- 1.25% on other spends
27. Axis Bank SELECT Credit Card
Annual fee ₹3,000 · Rewards up to 2% · You keep ₹60* a year
The Axis Bank SELECT Credit Card suits people who spend steadily and travel abroad. It gives 10 EDGE Reward points per ₹200, double on retail shopping up to ₹20,000 a month, and lounge access in India and abroad.
- 2% on groceries
- 1% on other spends
28. SBI ELITE Credit Card
Annual fee ₹4,999 · Rewards up to 2.5%
The SBI ELITE Credit Card is a premium card that gives 10 reward points per ₹100 on dining, groceries and department stores and 2 points on other spends. It also comes with a ₹5,000 welcome voucher, movie tickets and lounge access.
- 2.5% on groceries
- 2.5% on dining and food delivery
- 0.5% on other spends
29. Reliance SBI Card PRIME
Annual fee ₹2,999 · Rewards up to 5%
Reliance SBI Card PRIME pays 20 points per ₹100 (5% back) at AJIO and JioMart and 10 points (2.5%) at Reliance Retail stores, but points turn only into Reliance Retail vouchers. It suits families who shop mostly in the Reliance group and spend ₹3 lakh a year to waive the ₹2,999 fee.
- 5% on Reliance Retail
- 2.5% on Reliance Retail
- 1.25% on dining and food delivery
- 1.25% on travel
30. HDFC Bank Infinia Metal Credit Card
Annual fee ₹12,500 · Rewards up to 3.33%
The HDFC Bank Infinia Metal Credit Card earns 5 reward points per ₹150, worth ₹1 each on SmartBuy flights and hotels, with unlimited lounge access worldwide and a 2% forex markup. It is by invitation only, and the ₹12,500 fee is waived on ₹10 lakh of yearly spends.
- 3.33% on groceries
- 3.33% on bills and utilities
- 3.33% on other spends
31. ICICI Bank Emeralde Private Metal Credit Card
Annual fee ₹12,499 · Rewards up to 3%
The ICICI Bank Emeralde Private Metal Credit Card is an invite-only metal card for the bank's private banking customers, where each point is worth up to ₹1 on flight and hotel vouchers. It gives 3 points per ₹100, 12,500 bonus points every year, a 2% forex markup and unlimited lounge visits for you and add-on members.
- 3% on bills and utilities
- 3% on groceries
- 3% on other spends
Compare these cards
How to choose a credit card for groceries
- Whether the extra rate works at all grocery shops or only on one app.
- The monthly limit on the grocery rate.
- Whether quick commerce apps count as groceries on your card.
- The annual fee and how to get it waived.
How we ranked these cards
We work out what each card pays on ₹23,000 a month of regular grocery shopping, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at BigBasket, Blinkit or Reliance Smart Bazaar are counted, as if you shop there. Rates at other named brands are not counted. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Do these rankings assume I shop on one app?
Yes. Where a card pays its grocery rate only on one app, such as BigBasket or Blinkit, we assume you buy groceries there.
Does a local kirana shop count as groceries?
It depends on how the shop is listed with the card network. Many small shops are not coded as grocery stores, so the extra rate may not apply.
Are groceries paid on UPI covered?
Only with a RuPay credit card on UPI, and only if the card pays rewards on UPI. Check the card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money