Best grocery credit cards in October 2026
Swiggy BLCK HDFC Bank Credit Card comes first (₹18,000, ₹/yr at ₹15,000/mo of groceries) and is worth ₹8,500 a year at ₹75,000 a month after the fee.
The top 3
Most back on every ₹100 of groceries & supermarkets: HSBC TravelOne, 4.00% .
The full ranking
219 cards, best first. Ranked by ₹/yr at ₹15,000/mo of groceries; the ₹ a year column follows the spend you pick.
| Card | ₹/yr at ₹15,000/mo of groceries | ₹ a year | Fee |
|---|---|---|---|
| 1. Swiggy BLCK HDFC Bank Credit CardHDFC Bank · 10.00% at Swiggy and Instamart | ₹18,000 | ₹3,400 ₹8,500 ₹12,000 ₹12,000 ₹12,000 | ₹1,000 fee |
| 2. HSBC Live+HSBC · 10.00% on a grocery bill | ₹14,940 | ₹5,100 ₹12,700 ₹25,400 ₹50,800 ₹84,600 | ₹999 fee |
| 3. Federal Bank Paisabazaar Paisaback Credit CardFederal Bank · 7.50% at DMart and 6 other named merchants | ₹12,200 | ₹3,600 ₹9,000 ₹12,000 ₹12,000 ₹12,000 | ₹500 fee |
| 4. HSBC Premier (Metal)HSBC · 6.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹10,800 | ₹300 ₹30,800 ₹81,500 ₹1,83,000 ₹3,18,400 | ₹12,000 joining + ₹20,000/yr |
| 5. Swiggy Ornge HDFC Bank Credit CardHDFC Bank · 5.00% at Swiggy and Instamart | ₹9,000 | ₹3,400 ₹8,500 ₹12,000 ₹12,000 ₹12,000 | ₹500 fee |
| 6. Tata Neu Infinity SBI CardSBI Card · 5.00% at BigBasket | ₹9,000 | ₹5,100 ₹12,700 ₹25,400 ₹50,800 ₹81,600 | ₹1,499 fee |
| 7. Axis Magnus for BurgundyAxis Bank · 4.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹8,640 | −₹15,500 ₹6,300 ₹42,600 ₹2,57,800 ₹5,40,000 | ₹30,000 fee |
| 8. HSBC TravelOneHSBC · 4.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹7,200 | ₹7,100 ₹25,200 ₹80,500 ₹1,41,000 ₹2,21,600 | ₹4,999 fee |
| 9. HDFC Diners Club Black MetalHDFC Bank · 3.33% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹5,994 | ₹1,300 ₹28,200 ₹96,300 ₹1,52,700 ₹2,27,800 | ₹10,000 fee |
| 10. Axis Miles & More World SelectAxis Bank · 3.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹5,400 | ₹8,600 ₹22,200 ₹44,900 ₹90,200 ₹1,50,700 | ₹10,000 joining + ₹4,500/yr |
| 11. Axis Bank ReserveAxis Bank · 3.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹5,400 | −₹40,900 −₹27,300 −₹4,600 ₹40,700 ₹1,51,200 | ₹50,000 fee |
| 12. HSBC RuPay CashbackHSBC · 10.00% on a grocery bill | ₹4,800 | ₹2,800 ₹4,800 ₹4,800 ₹4,800 ₹4,800 | ₹499 fee |
| 13. BPCL SBI Card OCTANESBI Card · 2.50% on a grocery bill | ₹4,500 | ₹2,900 ₹4,300 ₹6,500 ₹10,800 ₹16,400 | ₹1,499 fee |
| 14. SBI Card PRIMESBI Card · 2.50% on a grocery bill | ₹4,500 | ₹5,700 ₹15,200 ₹19,500 ₹27,900 ₹39,200 | ₹2,999 fee |
| 15. SBI Card ELITESBI Card · 2.50% on a grocery bill | ₹4,500 | −₹800 ₹11,700 ₹21,000 ₹29,400 ₹40,700 | ₹4,999 fee |
| 16. Axis MagnusAxis Bank · 2.40% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹4,320 | −₹5,200 ₹5,600 ₹23,800 ₹1,28,900 ₹2,70,000 | ₹12,500 fee |
| 17. YES Bank MarqueeYES Bank · 2.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹4,050 | ₹7,300 ₹18,100 ₹36,300 ₹72,500 ₹1,20,900 | ₹9,999 joining + ₹4,999/yr |
| 18. CASHBACK SBI CardSBI Card · 2.20% on a grocery bill — 5.00% bought online on the 30% of it this page assumes is online, 1.00% in the shop | ₹3,960 | ₹3,000 ₹7,600 ₹15,100 ₹24,000 ₹24,000 | ₹999 fee |
| 19. Scapia (Federal Bank)Federal Bank · 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹3,600 | ₹6,000 ₹15,100 ₹30,200 ₹60,500 ₹1,00,800 | ₹0 fee, lifetime free |
| 20. Tata Neu Plus SBI CardSBI Card · 2.00% at BigBasket | ₹3,600 | ₹3,400 ₹8,500 ₹16,900 ₹33,800 ₹50,400 | ₹499 fee |
| 21. Kotak Air+Kotak Mahindra Bank · 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹3,600 | ₹3,000 ₹15,100 ₹30,200 ₹60,500 ₹1,00,800 | ₹3,000 fee |
| 22. Axis HorizonAxis Bank · 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹3,600 | ₹4,500 ₹13,600 ₹28,700 ₹59,000 ₹99,300 | ₹3,000 fee |
| 23. Axis Bank SELECTAxis Bank · 2.00% on a grocery bill | ₹3,600 | ₹1,000 ₹5,300 ₹13,100 ₹22,800 ₹35,800 | ₹3,000 fee |
| 24. Axis Miles & More WorldAxis Bank · 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹3,600 | ₹5,500 ₹14,600 ₹29,700 ₹60,000 ₹1,00,300 | ₹3,500 fee |
| 25. BOBCARD Etihad Guest PremiumBOBCARD (Bank of Baroda) · 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published | ₹3,600 | ₹1,800 ₹22,900 ₹79,800 ₹1,13,700 ₹1,58,800 | ₹5,000 fee |
Ranks 26 to 219 194 cards
- Standard Chartered Ultimate ₹3,600
- RBL Nova ₹3,600
- ICICI Times Black ₹3,600
- ICICI Bank Parakram Select ₹3,300
- RBL Shoprite ₹3,300
- RBL BankBazaar SaveMax Pro ₹3,300 · Invite only
- RBL Platinum Maxima ₹3,300
- RBL Platinum Maxima Plus ₹3,300
- Emirates Skywards ICICI Bank Emeralde ₹3,240
- SimplySAVE SBI Card ₹3,001
- HDFC Regalia Gold ₹2,934
- Kotak Cashback+ ₹2,925
- Kotak Cashback+ Prime ₹2,925
- IndianOil Kotak Credit Card ₹2,700
- Tata Neu Infinity HDFC Bank ₹2,700
- IndiGo IDFC FIRST Dual Credit Card ₹2,700
- Equitas PowerMiles ₹2,700
- IndusInd Avios Visa Infinite ₹2,700
- HSBC Platinum ₹2,401
- HSBC RuPay Platinum ₹2,401
- ICICI Bank Parakram ₹2,250
- RBL BankBazaar SaveMax ₹2,250
- KrisFlyer SBI Card ₹1,980
- IDFC FIRST HPCL Power+ ₹1,980
- IndusInd Tiger ₹1,800
- IDBI Bank LIC Eclat Select ₹1,800
- Amazon Pay ICICI Bank ₹1,800 · Invite only
- BOBCARD Uni GoldX ₹1,800
- Fibe Axis Bank Credit Card ₹1,800
- LIC IDFC FIRST Select ₹1,800
- RBL Paisabazaar Duet ₹1,800
- SBM MobiKwik First Credit Card ₹1,800
- Paisabazaar Paisa Plus Credit Card ₹1,800
- HDFC PIXEL Go ₹1,800
- Tata Neu Plus HDFC Bank ₹1,800
- Standard Chartered Smart ₹1,800
- HDFC Bank PIXEL Play ₹1,800
- Union JCB Wellness ₹1,800
- HDFC Diners Club Privilege ₹1,800
- Paytm HDFC Bank Select ₹1,800
- RBL Apex ₹1,800
- SBI Card MILES PRIME ₹1,800
- Shoppers Stop Black HDFC Bank ₹1,800
- SBI Card MILES ELITE ₹1,800
- IDFC FIRST HPCL Power ₹1,639
- IndianOil Axis Bank Premium ₹1,603
- Kotak Zen Signature ₹1,499
- IDFC FIRST Ashva ₹2,399 · Ranked lower: includes points worth full value only in one app
- IDFC FIRST Mayura ₹3,001 · Ranked lower: includes points worth full value only in one app
- IndusInd Legend ₹1,440
- IndusInd Pinnacle World ₹1,440
- IDBI Bank Royale Signature ₹1,350
- HDFC Bank UPI RuPay ₹1,350
- Axis Bank Cashback ₹1,350
- IDBI Bank Euphoria World ₹1,350
- IDFC FIRST WOW! Black ₹1,201
- Marriott Bonvoy HDFC Bank ₹1,197
- IndianOil HDFC Bank Credit Card ₹1,152
- ixigo AU ₹2,250 · Ranked lower: includes points worth full value only in one app
- MakeMyTrip ICICI Bank ₹1,800 · Ranked lower: includes points worth full value only in one app
- IDFC FIRST WOW! ₹900
- ICICI Bank Platinum Chip Credit Card ₹900
- Suryoday SFB RuPay Platinum ₹900
- Suryoday SFB RuPay Select ₹900
- AU Bank NOMO Credit Card ₹900
- ICICI Bank HPCL Coral Credit Card ₹900
- AU Altura Credit Card ₹900
- IRCTC HDFC Bank Credit Card ₹1,800 · Ranked lower: includes points worth full value only in one app
- Axis Bank Shoppers Stop Credit Card ₹900
- IDBI Bank Winnings ₹900
- RBL Bank Shoppers Stop Gold ₹900
- TVS Credit RBL Bank Gold ₹900
- RBL World Safari ₹900
- RBL Bank Shoppers Stop Platinum ₹900
- IDFC FIRST Select ₹675
- IDFC FIRST Millennia ₹675
- IDFC FIRST Classic ₹675
- IDFC FIRST Wealth ₹675
- Federal Bank Celesta ₹450
- AU LIT Credit Card ₹450
- RBL Patanjali Vishisht ₹450
- RBL Bank DMI Finance ₹450
- AU Altura Plus Credit Card ₹450
- RBL Platinum Choice ₹450
- RBL Platinum Advantage ₹450
- HDFC Bank MoneyBack+ ₹450
- RBL Binge ₹450
- RBL Movies and More ₹450
- RBL Bank SalarySe UP ₹360
- RBL Cookies ₹360
- IRCTC SBI Card Premier ₹1,440 · Ranked lower: includes points worth full value only in one app
- IRCTC RBL Bank Credit Card ₹900 · Ranked lower: includes points worth full value only in one app
- Unity Bank BharatPe Credit Card ₹3,600
- Axis Bank NEO ₹3,150
- Axis Bank REWARDS ₹2,995
- SpiceJet Axis Bank Voyage Black ₹2,700
- YES Bank RESERV ₹2,700
- IndiGo Axis Bank Premium Credit Card ₹2,700
- Emirates Skywards ICICI Bank Sapphiro ₹2,430
- ICICI Bank HPCL Super Saver ₹1,980
- IRCTC BOBCARD ₹1,800
- Paytm HDFC Bank ₹1,800
- IndiGo Axis Bank Credit Card ₹1,800
- PhonePe SBI Card SELECT BLACK ₹1,800 · Invite only
- RBL Paisabazaar Duet Plus ₹1,800
- Axis Bank Privilege ₹1,800
- IndiGo SBI Card ELITE ₹1,800
- ICICI Bank Emeralde ₹1,800
- ICICI Bank Expressions ₹1,350
- SpiceJet Axis Bank Voyage ₹1,350
- Standard Chartered EaseMyTrip ₹900
- ICICI Bank Coral ₹900
- ICICI Bank Coral against FD ₹900
- RBL Platinum Max ₹900
- RBL Platinum Prime ₹900
- RBL Platinum Delight ₹900
- IndiGo SBI Card ₹900
- SBI Card MILES ₹900
- SBI Card PULSE ₹900
- RBL Platinum Edge ₹900
- ICICI Bank Rubyx ₹900
- ICICI Bank Rubyx against FD ₹900
- RBL Icon ₹900
- ICICI Sapphiro ₹900
- RBL Bank Shoppers Stop Black ₹900
- Adani One ICICI Bank Signature ₹2,700 · Ranked lower: includes points worth full value only in one app
- Apollo SBI Card SELECT ₹810 · Ranked lower: includes points worth full value only in one app
- Kotak League Platinum ₹482
- Paisabazaar Step-Up SBM Credit Card ₹450
- TVS Credit RBL Bank ₹450
- RBL Platinum Plus ₹450
- RBL Bank Patanjali Swarn ₹450
- RBL Platinum ShopGain ₹450
- RBL Bank Blockbuster ₹450
- IndusInd Platinum Aura Edge ₹360
- HDFC Bank Freedom ₹135
- Titan SBI Card ₹2,700 · Ranked lower: includes points worth full value only in one app
- Reliance SBI Card PRIME ₹9,000 · Ranked lower: includes points worth full value only in one app
- AU Zenith ₹2,250
- AU Vetta ₹1,800
- AU Ananta ₹900
- AU Zenith+ ₹450
- RBL EasySaver ₹113
- RBL MyFirst ₹113
- Swiggy HDFC Bank Credit Card ₹18,000 · Closed to new applicants
- Axis Bank PRIMUS ₹9,000 · Invite only
- Air India SBI Signature Card ₹7,200 · Closed to new applicants
- Axis Atlas ₹7,200 · Closed to new applicants
- Axis Olympus ₹7,200 · Invite only
- AU Xcite Credit Card ₹6,750 · Invite only
- HDFC Infinia Metal ₹5,994 · Invite only
- Axis Bank Vistara Infinite Credit Card ₹5,400 · Closed to new applicants
- Kotak Solitaire ₹5,400 · Invite only
- ICICI Emeralde Private Metal ₹5,400 · Invite only
- KVB SBI Platinum Card ₹4,500 · Not confirmed on sale
- South Indian Bank SBI Platinum Card ₹4,500 · Not confirmed on sale
- KVB SBI Signature Card ₹4,500 · Not confirmed on sale
- Scapia (BOBCARD) ₹3,600 · Not confirmed on sale
- Axis Bank Vistara Signature Credit Card ₹3,600 · Closed to new applicants
- DBS Altitude ₹3,600 · Invite only
- Standard Chartered Beyond ₹3,600 · Invite only
- DBS Vantage ₹3,600 · Invite only
- RBL vCard ₹3,300 · Closed to new applicants
- SimplySAVE UPI SBI Card ₹3,001 · Invite only
- IDFC FIRST Private ₹12,002 · Invite only · Ranked lower: includes points worth full value only in one app
- Utkarsh Eternal Credit Card ₹2,250 · Invite only
- Utkarsh Rhodium Credit Card ₹2,250 · Invite only
- Shaurya SBI Card ₹2,250 · Not confirmed on sale
- Amex Platinum Charge ₹2,250 · Issuing paused
- Axis Bank Vistara Credit Card ₹1,800 · Closed to new applicants
- Utkarsh SmartGen Credit Card ₹1,800 · Invite only
- Flipkart Axis Bank Super Elite ₹1,800 · Issuing paused
- Amex Membership Rewards Card ₹1,800 · Issuing paused
- Amex Gold Charge ₹1,800 · Issuing paused
- Paytm SBI Card SELECT ₹1,800 · Not confirmed on sale
- RBL Aspire Banking ₹1,800 · Invite only
- RBL Signature Banking ₹1,800 · Invite only
- HDFC Regalia ₹1,800 · Closed to new applicants
- HDFC Regalia Activ ₹1,800 · Closed to new applicants
- Amex Platinum Travel ₹1,800 · Issuing paused
- SBI AURUM ₹1,800 · Invite only
- Amex Platinum Reserve ₹1,800 · Issuing paused
- IDFC FIRST Gaj ₹5,999 · Invite only · Ranked lower: includes points worth full value only in one app
- IndusInd Pioneer Heritage ₹1,440 · Invite only
- Shaurya Select SBI Card ₹900 · Not confirmed on sale
- Chennai Super Kings ICICI Bank ₹900 · Closed to new applicants
- YES First Preferred ₹900 · Closed to new applicants
- Kotak Privy League Signature ₹900 · Closed to new applicants
- RBL World Prime ₹900 · Not confirmed on sale
- RBL World Max ₹900 · Not confirmed on sale
- RBL Bank Black ₹900 · Closed to new applicants
- RBL World Plus ₹900 · Not confirmed on sale
- RBL World Safari Plus ₹450 · Invite only
- OneCard Metal ₹360 · Issuing paused
Not ranked — no grocery number we will stand behind 35 cards
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Zero reward points · Annexure 1's "Supermarket and convenience store, Variety Stores, Retail Store" row covers 5261, 5331, 5411… (22): Snapdeal BOBCARD , ICAI Exclusive BOBCARD , ICSI Diamond BOBCARD , CMA One BOBCARD , Varunah Premium BOBCARD , Varunah Plus BOBCARD , Varunah BOBCARD , Indian Army YODDHA BOBCARD , Assam Rifles SENTINEL BOBCARD , Coast Guard RAKSHAMAH BOBCARD , BOBCARD VIKRAM , PRAGATI BOBCARD (RRB) , BOBCARD Select , BOBCARD Easy , Nainital Bank RENAISSANCE BOBCARD , BOBCARD Swavlamban , UJJIVAN SFB Platinum BOBCARD , UJJIVAN SFB Elite BOBCARD , BOBCARD Easy (FD Backed) , BOBCARD Select (FD Backed) , BOBCARD Premier (FD Backed) , BOBCARD Prime .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Zero points · Annexure 1's "Supermarket and convenience store, Variety Stores, Retail Store" row covers 5261, 5331, 5411 and 5499 (2): BOBCARD Tiara , BOBCARD Premier .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — On no exclusion list · counts toward the quarterly milestone at face value (2): DCB PayLess Select Credit Card , DCB PayLess Platinum Credit Card .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Zero earn · supermarkets/convenience/variety/retail (5261/5331/5411/5499) sit in Annexure 1 (official rewards T&C) (1): BOBCARD Eterna .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — RBL publishes no earn rate for general spend on this card · only domestic travel merchants and its own flights/hotels portal… (1): RBL World Safari Lite .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — HDFC publishes no earn rate for general spend on this card · groceries outside the seven named online brands earn nothing at all (1): PhonePe HDFC Bank Ultimo .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Grocery is not on the §4.34 milestone-exclusion list this site already quotes in the card's watch-outs… (1): Kotak White Reserve .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — HDFC publishes no earn rate for general spend on this card · groceries outside the seven named online brands earn nothing (1): PhonePe HDFC Bank Uno .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Zero points · "Supermarkets" is named outright in HDFC's exclusion list for this card, alongside bakeries and package stores… (1): Shoppers Stop HDFC Bank .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Zero points, and this is the trap on a card whose accelerator is "departmental store": the accelerated MCC is 5311, which is NOT… (1): HPCL ENERGIE BOBCARD .
Nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Zero cashback · Annexure 1's "Supermarket and convenience store, Variety Stores, Retail Store" row covers 5261, 5331, 5411 and… (1): BOBCARD Cashback .
The issuer's own page and its footnote disagree about this card's grocery earn — we won't rank a number we can't settle (1): RBL Platinum LifeEasy .
How we rank
A RULE THAT SPLITS ONLINE FROM OFFLINE ("5% bought online, 1% in the shop") is credited at 30% of the month online — one share, the same for every card whose rule states the split, and only where the card's own earn table pays that online rate — so the row is the blend of the two published rates, never the online headline. ONE NUMBER, THREE FACTS INSIDE IT. (1) THE ACCELERATED RATE: the grocery tier the card's own earn table publishes, at its currency's house ₹/point — admitted only where our own groceries rule states the SAME number, so a tier that is merely grocery-adjacent cannot out-rank a published rate. A tier may only ever RAISE a card above what it pays across the whole category, never lower it. (2) THE CEILING, converted to ₹ of grocery spend a month — the issuer's own spend-equivalent where it published one, else its rupee ceiling divided by the rate, else its POINTS ceiling divided by the raw rate stated in the same sentence, which is the only division that survives a card baking a haircut into its earn. Above the ceiling the card earns its ordinary grocery rate, and the card's own monthly earn cap bounds the lot. A tier that SAYS it is capped and states the cap in units nothing here converts is refused outright rather than priced as uncapped — 0 cards are ranked at the category rate for that reason and each row says so. 2 more cards rank at the category rate for a different reason: our own rule puts their ceiling in ONE bucket shared across categories with no published split, so no ceiling is applied to a grocery bill — each row says so. (3) THE LOCK, printed and NOT discounted: a BigBasket-only, online-only, Wednesday-only or minimum-basket rate is priced at full, the way /best/fuel prices a BPCL-locked pump, because the reader picks the shop the way they pick the pump. ₹15,000 a month is an urban household's supermarket-and-quick-commerce bill, and it is stated because the ceilings here land between ₹50 and ₹2,500 of reward a month: the reference is what decides which of them bind. Grocery VOUCHERS and milestone benefits are not added to any row — a ₹1,000 BigBasket voucher for crossing an annual spend is not a rate, and /calculator prices milestones. 254 priced cards carry a grocery rule on the fine-print records and 219 of them are ranked above; 397 priced cards have no grocery rule here yet and appear on no part of this page.
The records behind this board — the card records this ranks and the grocery rules in our fine-print records — carry re-verification dates from 1 Jun 2026 to 26 Oct 2026; the ranking is recomputed from them on every build.
Every figure comes from each card's own published fee and earn rate. How we value cards.
Questions
Which is the best credit card for groceries in India?
Swiggy BLCK HDFC Bank Credit Card: ₹18,000 a year at ₹15,000 a month of groceries (₹1,80,000 a year). Swiggy BLCK HDFC Bank Credit Card gets there on 10.00% at Swiggy and Instamart, falling to 1.00% on the same basket bought anywhere else. Its rate is bounded — 10%, capped at ₹1,500 of cashback a billing cycle IN ITS OWN RIGHT · so the 10% runs out… — and at ₹15,000 a month that bound does not bind. THE CEILING IS THE PRODUCT HERE, and it is smaller than any grocery ad admits: of the 46 here whose grocery accelerator we can price, 19 stop before ₹15,000 a month does and 12 pay only inside a named chain, a channel, one day of the week or above a minimum bill. The other 173 ranked cards have no grocery accelerator at all and earn whatever the card earns everywhere.
How many cards are in this groceries ranking?
219 of the 990 Indian personal cards we track are ranked here. 35 are listed unranked with the computed reason — not ranked — no grocery number we will stand behind — because a card we can't rank honestly gets named, not hidden. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.
How up to date is this list?
The records behind this board — the card records this ranks and the grocery rules in our fine-print records — carry re-verification dates from 1 Jun 2026 to 26 Oct 2026; the ranking is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.
Which grocery credit cards in India have no annual fee?
31 of the 219 ranked here are lifetime free. The best on ₹/yr at ₹15,000/mo of groceries is Scapia (Federal Bank) at ₹3,600. This board's call, Swiggy BLCK HDFC Bank Credit Card, costs ₹1,000/yr and reaches ₹18,000 — that gap is what the fee buys.
Is Swiggy BLCK HDFC Bank Credit Card better than HSBC Live+?
On what this board ranks — ₹/yr at ₹15,000/mo of groceries — yes: ₹18,000 against ₹14,940. That is the whole claim, and a narrow one. HSBC Live+ takes our cashback board instead. No card wins overall: 24 boards, 24 questions.