Spends · category 08 of 15
Which credit cards still earn on Groceries & supermarkets — September 2026
Of the 1119 cards on the desk, 225 publish a rule for groceries & supermarkets — and 18 of those pay ABOVE the card's own normal rate here, against 145 at full rewards. The rest: 50 capped, 4 at a reduced rate, 5 earn nothing, 3 can't do it at all. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for groceries & supermarkets spends in India?
IDFC FIRST Private (IDFC FIRST Bank) pays 6.67% on groceries & supermarkets — the best rate of any card with a published rule here. 225 cards publish one, 5 of which earn nothing at all.
Open to everyone: Axis Magnus for Burgundy (Axis Bank) pays 4.80% on groceries & supermarkets for ₹30,000/yr — the best rate of any card you can actually apply for, whatever the fee.
On a budget: Kotak Solitaire (Kotak Mahindra Bank) pays 3.00% on groceries & supermarkets for ₹0/yr or less, and it's open to apply.
MCC 5411, 5422, 5451, 5499 · 225 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of groceries & supermarkets returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 IDFC FIRST Private
Flat 10 RP/₹150 (~6.67% at the ₹1 app-travel value) — groceries are on neither the 1X list nor the no-earn list, so the full domestic rate applies with no monthly threshold since 17 Jul 2026
6.67% full earn - 02 Axis Bank PRIMUS
Earns the standard 1 EDGE Mile/₹100
5.00% full earn - 03 Axis Magnus for Burgundy
Same as Magnus
4.80% full earn
Every card with a published rule
225 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| Fibe Axis Bank Credit Card Axis Bank | accelerated | 1.00% | 3% on MCC 5499 (miscellaneous food stores), the only grocery-adjacent code on the accelerated list |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | accelerated | 1.00% | 5% through Swiggy Instamart inside the Swiggy app. A supermarket swipe (MCC 5411 and neighbours) is not on HDFC's eligible list and earns the 1% base |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | accelerated | 1.00% | 10% through Swiggy Instamart inside the Swiggy app. A supermarket swipe (MCC 5411 and neighbours) is not on HDFC's eligible list and earns the 1% base |
| Swiggy HDFC Bank Credit Card HDFC Bank | accelerated | 1.00% | Instamart counts as Swiggy app spend at 10%, inside the ₹1,500-a-cycle Swiggy ceiling; a department store online earns the 5% rung inside its separate ₹1,500 ceiling; a physical grocer earns 1% inside the ₹500 ceiling. Three different answers for the same weekly shop, decided by where it is bought |
| AU Altura Credit Card AU Small Finance Bank | accelerated | 1.00% | 2% cashback at grocery and departmental stores — capped at ₹50 of cashback a statement cycle, so ₹2,500 of grocery exhausts it and everything after earns the 1% tier, which has its own ₹50 ceiling |
| Axis Bank Cashback Axis Bank | accelerated | 0.75% | Online groceries ride the 2/5/7% ladder; the same basket bought in the shop earns the 0.75% base |
| Kotak Cashback+ Kotak Mahindra Bank | accelerated | 0.50% | 5% on ONLINE groceries only — 20 Reward Points per ₹100 at the ₹0.25 house value; the same basket bought in the shop earns the 0.5% base. Shares the 750-point monthly bucket with the other 5% legs and the 3% fuel leg, about ₹3,750 of online grocery spend a month at that rate |
| Kotak Cashback+ Prime Kotak Mahindra Bank | accelerated | 0.50% | 5% on ONLINE groceries only — 20 Reward Points per ₹100 at the ₹0.25 house value; offline grocery earns the 0.5% base. Shares the 750-point monthly bucket with the other 5% legs and the 3% fuel leg, about ₹3,750 of online grocery spend a month at that rate |
| ICICI Bank Parakram Select ICICI Bank | accelerated | 0.50% | 10 RP per ₹100 (2.5% at ₹0.25 a point) on grocery and department stores, capped at 1,000 RP a month — about ₹10,000 of accelerated spend, half what the base Parakram gets before its cap bites. Spend past it earns the 2 RP base. |
| Shaurya Select SBI Card SBI Card | accelerated | 0.50% | 5X Reward Points on departmental stores and grocery, and on CSD canteen spends, which is the benefit designed for this card's household |
| ICICI Bank Parakram ICICI Bank | accelerated | 0.25% | 5 RP per ₹100 (1.25% at ₹0.25 a point) on grocery and department stores, capped at 1,000 RP a month — about ₹20,000 of accelerated spend. Spend past it earns the 1 RP base. The MITC additionally caps grocery and departmental spend at ₹40,000 a statement cycle for this card's tier. |
| RBL Shoprite RBL Bank | accelerated | 0.25% | 20 RP/₹100 on grocery — RBL defines it as MCC 5411, 5422, 5441, 5451 and 5499 — capped at 1,000 RP a month, so roughly ₹5,000 of grocery a cycle exhausts it and the rest earns the base 2 RP/₹100. Every rupee still counts toward the ₹1.5 lakh waiver |
| RBL Patanjali Vishisht RBL Bank | accelerated | 0.25% | A Patanjali store bills as grocery and pays 10% cashback, which RBL caps at ₹6,000 a year — every other grocer pays the base 1 RP/₹100. All of it counts toward the annual milestone |
| RBL BankBazaar SaveMax RBL Bank | accelerated | 0.25% | 5 RP/₹100 on grocery — five times the base — capped at 1,000 RP a month, so about ₹20,000 of grocery a cycle exhausts the rung and the rest earns 1 RP/₹100 |
| AU LIT Credit Card AU Small Finance Bank | accelerated | 0.25% | 1 RP/₹100 base, or 5X/10X (5–10 RP/₹100) if the online or offline feature is bought, and there is a separate 5% grocery cashback feature capped at ₹500 per 30-day period. AU defines grocery as MCC 5411, 5422, 5441, 5451, 5462, 5499 and 5921. All of it is a PAID feature — LIT's rungs cost money to switch on |
| Shaurya SBI Card SBI Card | accelerated | 0.25% | Departmental stores and grocery earn 5 Reward Points per ₹100, inside the same 5,000-point monthly ceiling |
| RBL vCard RBL Bank | accelerated | 0.25% | 20 Reward Points per ₹100 — WEDNESDAYS ONLY, and the bonus stops at 1,000 RP a billing cycle |
| SimplySAVE SBI Card SBI Card | accelerated | 0.17% | 10 Reward Points per ₹150 — MCC 5411 grocery and supermarkets, plus MCC 5311 departmental stores. Shares the 5,000-point monthly ceiling |
| IDFC FIRST Private IDFC FIRST Bank | full earn | 6.67% | Flat 10 RP/₹150 (~6.67% at the ₹1 app-travel value) — groceries are on neither the 1X list nor the no-earn list, so the full domestic rate applies with no monthly threshold since 17 Jul 2026 |
| Axis Bank PRIMUS Axis Bank | full earn | 5.00% | Earns the standard 1 EDGE Mile/₹100 |
| Axis Magnus for Burgundy Axis Bank | full earn | 4.80% | Same as Magnus |
| Axis Olympus Axis Bank | full earn | 4.00% | Base 1 EDGE Mile/₹100 — not on the official closed exclusion list (T&C §4) |
| Axis Atlas Axis Bank | full earn | 4.00% | Earns full 2/₹100, counts toward tiers and milestones |
| IDFC FIRST Gaj IDFC FIRST Bank | full earn | 3.33% | Flat 5 RP/₹150 ≈ 3.33% at the ₹1 travel value — no ₹20k/statement tier to clear first |
| Air India SBI Signature Card SBI Card | full earn | 3.20% | Groceries earn the 4 points per ₹100 base — this card accelerates on Air India tickets and nothing else, so no cap is published on groceries and there is no multiplier here for one to bite |
| HSBC Premier (Metal) HSBC | full earn | 3.00% | Full 3 RP/₹100 — not in Premier's exclusion table, no cap |
| Axis Bank Reserve Axis Bank | full earn | 3.00% | Full 15/₹200 |
| Axis Miles & More World Select Axis Bank | full earn | 3.00% | Base 6 miles/₹200 — community/flag |
| Kotak Solitaire Kotak Mahindra Bank | full earn | 3.00% | Base 3 Air Miles/₹100 — not in the official exclusion MCC table |
| Axis Magnus Axis Bank | full earn | 2.40% | Full 12/₹200; counts toward monthly ₹1.5L accelerated (35/₹200) threshold |
| Axis Bank Vistara Infinite Credit Card Axis Bank | full earn | 2.40% | 6 Maharaja Points per ₹200 |
| YES Bank Marquee YES Bank | full earn | 2.25% | 36 RP/₹200 online / 18 offline — the channel, not the category, sets the rate |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | full earn | 2.00% | Supermarkets are NOT on the official Annexure-1 list (22-06-2026 MITC) — 2 miles/₹100; early community coverage said otherwise, official wins |
| RBL Nova RBL Bank | full earn | 2.00% | Not on the official exclusion list — earns base 4 RP/₹200 (inferred from absence, flag) |
| HSBC TravelOne HSBC | full earn | 2.00% | Earns full 2 pts/₹100 — not in exclusion table |
| Kotak Air+ Kotak Mahindra Bank | full earn | 2.00% | Not on the published closed no-earn list — earns base 2 Air Miles/₹100 (inferred from absence, flag) |
| ICICI Times Black ICICI Bank | full earn | 2.00% | 2% — no cap is published on groceries; inferred from absence in official docs — flag |
| Axis Horizon Axis Bank | full earn | 2.00% | Full 2 EDGE Miles/₹100 — not in the exclusion table |
| Scapia (Federal Bank) Federal Bank | full earn | 2.00% | 10% coins ≈ 2% effective — not excluded |
| Axis Miles & More World Axis Bank | full earn | 2.00% | Base 4 miles/₹200 — community/flag |
| DBS Vantage DBS Bank India | full earn | 2.00% | Base 2 VP/₹100 — not on the published closed list (flag) |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%, with no ceiling on a month's grocery spend |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | full earn | 2.00% | 10% coins ≈ 2% effective — not excluded |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | full earn | 1.80% | 2 Skywards Miles/₹100 |
| IDFC FIRST Mayura IDFC FIRST Bank | full earn | 1.67% | Base 5 RP/₹150; 10 RP/₹150 on incremental spend past ₹20k/cycle |
| Axis Bank Vistara Signature Credit Card Axis Bank | full earn | 1.60% | 4 Maharaja Points per ₹200 |
| IndusInd Avios Visa Infinite IndusInd Bank | full earn | 1.50% | Base 3 Avios/₹200 — not in the reduced bucket (inferred, flag) |
| Tata Neu Infinity HDFC Bank HDFC Bank | full earn | 1.50% | Base 1.5%; BigBasket (a Tata brand) earns 5% via Tata Neu (community) |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | full earn | 1.50% | Base 3 BluChips/₹100 (community) |
| Adani One ICICI Bank Signature ICICI Bank | full earn | 1.50% | 1.5 Adani Reward Points/₹100 |
| YES Bank RESERV YES Bank | full earn | 1.50% | 24 RP/₹200 online / 12 offline — the channel sets the rate |
| SpiceJet Axis Bank Voyage Black Axis Bank | full earn | 1.50% | Base 6 SC/₹200 = 1.5%; no cap is published on groceries |
| Titan SBI Card SBI Card | full earn | 1.50% | Groceries earn the 6 points per ₹100 base — no grocery accelerator and no grocery exclusion on this card, just the shared 6,000-point monthly ceiling |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | full earn | 1.35% | 1.5 Skywards Miles/₹100 |
| IDFC FIRST Ashva IDFC FIRST Bank | full earn | 1.33% | Base 5 RP/₹150; 10 RP/₹150 on incremental spend past ₹20k/cycle |
| ixigo AU AU Small Finance Bank | full earn | 1.25% | Earns base 2.5 RP/₹100 — not excluded |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | full earn | 1.25% | Earns the 1.25% base; Utkarsh publishes no accelerated category on any of its cards |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | full earn | 1.25% | Earns the 1.25% base; Utkarsh publishes no accelerated category on any of its cards |
| Amex Platinum Charge American Express | full earn | 1.25% | 1 MR/₹40 |
| KrisFlyer SBI Card SBI Card | full earn | 1.10% | Base 1 mile/₹100 (community) |
| SBI Card MILES PRIME SBI Card | full earn | 1.00% | Earns 2 Travel Credits/₹200 (base) — not excluded |
| IDBI Bank LIC Eclat Select IDBI Bank | full earn | 1.00% | 4 Delight Points per ₹100 (1.0%), the best base rate IDBI pays — groceries and supermarkets appear nowhere on the MITC's exclusion annexure |
| Amazon Pay ICICI Bank ICICI Bank | full earn | 1.00% | 1% off-Amazon; on Amazon.in it rides the 5%/3% Prime tier like any other Amazon purchase. No cap is published on groceries for this card. |
| IndiGo SBI Card ELITE SBI Card | full earn | 1.00% | Base 2 BluChips/₹100 (community) |
| IndiGo Axis Bank Premium Credit Card Axis Bank | full earn | 1.00% | Accelerated 3 BluChips/₹100 (grocery & hotels band) |
| SBI Card MILES ELITE SBI Card | full earn | 1.00% | Earns 2 Travel Credits/₹200 — not excluded |
| MakeMyTrip ICICI Bank ICICI Bank | full earn | 1.00% | 1% myCash (6% only on MMT hotels, 3% on MMT flights/cabs/buses) |
| Axis Bank Privilege Axis Bank | full earn | 1.00% | Not on the no-earn list — earns the blanket 10 EDGE Reward Points per ₹200 (≈1% at Axis's own ₹0.20 point value) |
| HDFC PIXEL Go HDFC Bank | full earn | 1.00% | 1% CashPoints, and the product T&C's cap column for the 1% bucket reads "Unlimited" |
| RBL Signature Banking RBL Bank | full earn | 1.00% | Absent from the exclusion table — earns the 1% base cashback (2%, 3% or 4% only through the RBL rewards portal) |
| RBL Aspire Banking RBL Bank | full earn | 1.00% | Absent from the exclusion table — earns the 1% base cashback (2%, 3% or 4% only through the RBL rewards portal) |
| RBL Apex RBL Bank | full earn | 1.00% | Absent from the exclusion table — earns the 1% base cashback (2%, 3% or 4% only through the RBL rewards portal) |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | full earn | 1.00% | 1 Uni Coin per ₹1 (1%) — groceries appear nowhere in the MITC's closed exclusion list |
| SBI AURUM SBI Card | full earn | 1.00% | Base 4 RP/₹100 (community, flag) |
| CASHBACK SBI Card SBI Card | full earn | 1.00% | 5% bought online, 1% in the shop — the split is the network's online indicator, not the merchant |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | full earn | 1.00% | Earns the 1% base; Utkarsh publishes no accelerated category on any of its cards |
| RBL Paisabazaar Duet RBL Bank | full earn | 1.00% | Absent from the ineligible-MCC table — the full 1%, inside the ₹500-a-month ceiling |
| RBL Paisabazaar Duet Plus RBL Bank | full earn | 1.00% | Absent from the ineligible-MCC table — 1% inside the ₹300-a-month other-purchases ceiling |
| SBM MobiKwik First Credit Card SBM Bank (India) | full earn | 1.00% | On no exclusion list; earns the flat 1% at POS — MobiKwik's own worked example uses a ₹1,500 grocery swipe earning ₹15 |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | full earn | 1.00% | On no exclusion list; earns the base 1% at POS, or 1.5% if bought online with a fixed deposit of ₹10,000 or more |
| Amex Platinum Travel American Express | full earn | 1.00% | 1 MR/₹50; counts to milestones |
| Amex Membership Rewards Card American Express | full earn | 1.00% | 1 MR/₹50; a favourite for the 4x₹1,500 monthly bonus |
| Amex Platinum Reserve American Express | full earn | 1.00% | 1 MR/₹50 |
| Amex Gold Charge American Express | full earn | 1.00% | 1 MR/₹50 |
| Paytm SBI Card SELECT SBI Card | full earn | 1.00% | Groceries earn the 1% base, or 2% bought through the Paytm app; there is no grocery-specific rate and no grocery exclusion |
| Marriott Bonvoy HDFC Bank HDFC Bank | full earn | 0.86% | Base 2 pts/₹150; base-earn spend cap ₹1.5L/month on grocery per CardMaven — single-sourced |
| IndusInd Tiger IndusInd Bank | full earn | 0.80% | Full slab earn (1–6 RP/₹100 by anniversary-year spend) |
| IndusInd Legend IndusInd Bank | full earn | 0.80% | 1 RP/₹100 on weekdays, 2 RP/₹100 on weekends (official) |
| IndusInd Pinnacle World IndusInd Bank | full earn | 0.80% | 2.5 RP/₹100 if online, else base 1 RP/₹100 at POS (official earn tiers) |
| IndusInd Pioneer Heritage IndusInd Bank | full earn | 0.80% | Base 1 RP/₹100 (community, flag) |
| Flipkart Axis Bank Super Elite Axis Bank | full earn | 0.80% | Base 2 SuperCoins/₹100 off Flipkart; Flipkart grocery orders take the Flipkart rate |
| Axis Bank Vistara Credit Card Axis Bank | full earn | 0.80% | 2 Maharaja Points per ₹200 |
| IDBI Bank Euphoria World IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — groceries and supermarkets appear nowhere on the MITC's exclusion annexure |
| IDBI Bank Royale Signature IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — groceries and supermarkets appear nowhere on the MITC's exclusion annexure |
| AU Zenith AU Small Finance Bank | full earn | 0.75% | 5 RP/₹100 (accelerated dining/international/grocery) ≈ 1.25% |
| SpiceJet Axis Bank Voyage Axis Bank | full earn | 0.75% | Base 3 SC/₹200 = 0.75%; no cap is published on groceries |
| IDFC FIRST WOW! Black IDFC FIRST Bank | full earn | 0.67% | 4 RP/₹150 ≈ 2.67 RP per ₹100 |
| HSBC Platinum HSBC | full earn | 0.67% | 2 reward points per ₹150 — groceries appear nowhere in HSBC's exclusion table |
| HSBC RuPay Platinum HSBC | full earn | 0.67% | 2 reward points per ₹150 — groceries appear nowhere in HSBC's exclusion table |
| IDBI Bank Winnings IDBI Bank | full earn | 0.50% | 2 Delight Points per ₹100 (0.5%) — groceries and supermarkets appear nowhere on the MITC's exclusion annexure |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | full earn | 0.50% | Absent from the exclusion table — earns the base 2 RP per ₹100 |
| IDFC FIRST WOW! IDFC FIRST Bank | full earn | 0.50% | 4 RP/₹200 ≈ 0.5% at ₹0.25/pt |
| IndiGo SBI Card SBI Card | full earn | 0.50% | Base 1 BluChip/₹100 (community) |
| RBL Icon RBL Bank | full earn | 0.50% | 2 RP/₹100 base (~0.5%) |
| RBL World Safari RBL Bank | full earn | 0.50% | Earns 2 RP/₹100 (~0.5%) — not excluded; the rate, not the rules, is the problem |
| RBL Platinum Edge RBL Bank | full earn | 0.50% | Absent from both footnotes — earns the base 2 RP per ₹100, doubled to 4 if the purchase is online (shared 1,000-point monthly cap) |
| AU Ananta AU Small Finance Bank | full earn | 0.50% | 2 RP/₹100 base; supermarket spends coding as 'shopping' may catch the 5 RP/₹100 rate — treatment varies by merchant, flag |
| IndiGo Axis Bank Credit Card Axis Bank | full earn | 0.50% | Accelerated 2 BluChips/₹100 (grocery & dining band) |
| SBI Card MILES SBI Card | full earn | 0.50% | Earns 1 Travel Credit/₹200 (base) — not excluded |
| ICICI Bank Rubyx ICICI Bank | full earn | 0.50% | 2 RP/₹100 |
| AU Vetta AU Small Finance Bank | full earn | 0.50% | 4 RP/₹100 (accelerated groceries/departmental) ≈ 1% |
| IRCTC RBL Bank Credit Card RBL Bank | full earn | 0.50% | Absent from the exclusion list — earns the base 1 RP per ₹200 |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.50% | 4 RP/₹100 at grocery/departmental stores (accelerated category) |
| SBI Card PULSE SBI Card | full earn | 0.50% | Groceries earn the 2 points per ₹100 base. PULSE is the exception among SBI's own-brand range — its accelerator is chemist, pharmacy, dining, movies and sports, with no grocery or departmental-store tier at all |
| Standard Chartered EaseMyTrip Standard Chartered | full earn | 0.50% | Base 2 RP/₹100 |
| Union JCB Wellness Union Bank of India | full earn | 0.50% | Better than base, not merely unrestricted — groceries and departmental stores sit in this card's 4 RP per ₹100 band (1.0% at Union's own ₹0.25 a point), double the 2 RP per ₹100 it pays on other non-fuel spend, alongside dining, shopping and apparel |
| AU Bank NOMO Credit Card AU Small Finance Bank | full earn | 0.50% | Not excluded anywhere AU publishes — 2 RP/₹100, inside the 5,000-RP statement-cycle ceiling |
| Reliance SBI Card PRIME SBI Card | full earn | 0.50% | Groceries earn the 2 points per ₹100 base unless bought at a participating Reliance Retail format — JioMart online pays 20 points per ₹100 and in-store Reliance formats 10, matched by Merchant ID rather than by MCC |
| Axis Bank Shoppers Stop Credit Card Axis Bank | full earn | 0.50% | Earns the base rate, and the T&C proves it with a worked row: ₹2,000 at a grocery store credits 20 First Citizen points. There is no accelerated grocery rung on this card — the acceleration is a merchant, not a category |
| RBL Platinum Delight RBL Bank | full earn | 0.50% | Absent from both exclusion lists — 2 RP/₹100, or 4 RP/₹100 at the weekend inside the 1,000-RP monthly ceiling, and every rupee counts toward the ₹2 lakh waiver |
| RBL Platinum Max RBL Bank | full earn | 0.50% | Groceries (MCC 5411, 5422, 5451, 5499) are absent from the product page's exclusion table — 2 RP/₹100, the card's ordinary rate |
| RBL Platinum Prime RBL Bank | full earn | 0.50% | Absent from the product page's exclusion table — 2 RP/₹100, the ordinary rate. RBL markets this card on grocery, electronics and fashion spend |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | full earn | 0.50% | Grocery MCCs appear nowhere on Suryoday's exclusion table, so grocery spend earns the full 0.5% up to the ₹3,000 cycle cap |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | full earn | 0.50% | Not on the exclusion table — earns the full 0.5% up to the ₹3,000 cycle cap |
| RBL Bank Shoppers Stop Black RBL Bank | full earn | 0.50% | Full 4 Reward Points per ₹200 unless bought inside the Shoppers Stop Universe, where the 15-point rung applies — RBL excludes no grocery MCC on this card |
| RBL Bank Shoppers Stop Platinum RBL Bank | full earn | 0.50% | Full 4 Reward Points per ₹200 — no grocery MCC is excluded on this card |
| RBL Bank Shoppers Stop Gold RBL Bank | full earn | 0.50% | Full 4 Reward Points per ₹200 — no grocery MCC is excluded on this card |
| RBL World Plus RBL Bank | full earn | 0.50% | Absent from both footnotes — earns the base 2 RP per ₹100 |
| RBL World Prime RBL Bank | full earn | 0.50% | Absent from both footnotes — earns the base 2 RP per ₹100 |
| RBL World Max RBL Bank | full earn | 0.50% | Absent from both footnotes — earns the base 2 RP per ₹100 |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | full earn | 0.50% | Named in the T&Cs own base-rate sentence — "2 reward points for every valid retail transaction worth INR 100 spent on all purchases like travel, groceries, dining" |
| Kotak Privy League Signature Kotak Mahindra Bank | full earn | 0.50% | Base 2 RP/₹100; 5 RP/₹100 if you pick the Shoppers plan |
| Apollo SBI Card SELECT SBI Card | full earn | 0.45% | Groceries earn the base rate — the accelerators on this card are Apollo's own health merchants, matched by merchant ID, not by grocery MCC |
| IDFC FIRST Wealth IDFC FIRST Bank | full earn | 0.38% | Base 3 RP/₹200 — groceries are not a 10X category, so this is the everyday rate |
| IDFC FIRST Select IDFC FIRST Bank | full earn | 0.38% | 3 RP/₹200 ≈ 0.375% at ₹0.25/pt |
| IDFC FIRST Millennia IDFC FIRST Bank | full earn | 0.38% | 3 RP/₹200 ≈ 0.375% at ₹0.25/pt |
| IDFC FIRST Classic IDFC FIRST Bank | full earn | 0.38% | 3 RP/₹200 ≈ 0.375% at ₹0.25/pt |
| Kotak League Platinum Kotak Mahindra Bank | full earn | 0.27% | Departmental stores sit in the 8-points-per-₹150 special-category tier; plain grocery and supermarket MCCs earn the 4-point base, rising to 8 once anniversary spend passes ₹2 lakh |
| RBL World Safari Plus RBL Bank | full earn | 0.25% | Absent from the exclusion sentence — earns the base 1 RP per ₹100 |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | full earn | 0.25% | Absent from the exclusion table — earns the base 1 RP per ₹100. Patanjalis own stores pay 10% cashback instead, capped ₹750 a month |
| TVS Credit RBL Bank RBL Bank / TVS Credit | full earn | 0.25% | Absent from the exclusion table — earns 1 RP per ₹100 in store, 2 per ₹100 online |
| RBL Bank Blockbuster RBL Bank / BookMyShow | full earn | 0.25% | Absent from the exclusion table — earns the base 1 RP per ₹100 |
| Federal Bank Celesta Federal Bank | full earn | 0.25% | Base 1 RP/₹100 (0.25%) — not excluded, flag |
| AU Zenith+ AU Small Finance Bank | full earn | 0.25% | Base 1 RP/₹100 — Zenith+ has no grocery accelerator (its 2X is dining/travel/international) |
| RBL Platinum ShopGain RBL Bank | full earn | 0.25% | Absent from the exclusion table — the card's ordinary 1 RP/₹100 |
| RBL Platinum Plus RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100, or 2 RP/₹100 if the grocer is billed as an online spend, to a 1,000-point cap |
| RBL Platinum Choice RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100, doubled to 2 RP/₹100 when the transaction is online, to a 1,000-point cap |
| RBL Platinum Advantage RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100, the card's only rate |
| RBL Binge RBL Bank | full earn | 0.25% | Absent from the exclusion table — 1 RP/₹100, or 12 RP/₹100 if the grocer bills as an online transaction, inside the 800-RP monthly ceiling |
| RBL Movies and More RBL Bank | full earn | 0.25% | Absent from the exclusion list — 1 RP/₹100, counting in full toward both milestone bars |
| RBL Bank DMI Finance RBL Bank | full earn | 0.25% | Absent from the exclusion list — 1 RP/₹100 in store, 2 RP/₹100 online, counting in full toward the ₹50,000 quarterly milestone |
| AU Altura Plus Credit Card AU Small Finance Bank | full earn | 0.25% | Not named in AU's exclusion note — 1.5% cashback offline while the ₹100-a-cycle ceiling lasts, then 1 RP/₹100 offline or 2 RP/₹100 for an online grocery order |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | full earn | 0.25% | On no exclusion list; earns the base 0.25% |
| IndusInd Platinum Aura Edge IndusInd Bank | full earn | 0.20% | Home Plan: grocery shopping is the plan's headline category at 4 savings points per ₹100 and the revision did not touch it |
| RBL Bank SalarySe UP RBL Bank | full earn | 0.20% | Absent from the card's MCC exclusion table — 1 RP/₹100, counting toward the ₹2 lakh waiver |
| RBL Cookies RBL Bank | full earn | 0.20% | Absent from the exclusion table — 1 RP/₹100, or 5X online |
| OneCard Metal OneCard (issued via partner banks) | full earn | 0.20% | Base 1 RP/₹50; groceries a common 5X category |
| Axis Bank NEO Axis Bank | full earn | 0.10% | 1 EDGE REWARD Point per ₹200 ≈ 0.1% — the base rate, and the Blinkit coupon (10% up to ₹250 a month) is where the real grocery value sits |
| RBL MyFirst RBL Bank | full earn | 0.06% | Absent from both exclusion footnotes — the base 1 RP per ₹400 |
| RBL EasySaver RBL Bank | full earn | 0.06% | Absent from both exclusion footnotes — the base 1 RP per ₹400 |
| Kotak White Reserve Kotak Mahindra Bank | full earn | — | No per-swipe points (the card's earn.base is 0). Grocery is not on the §4.34 milestone-exclusion list the desk already quotes in watchOut (rent/fuel/utility/education/government/insurance/wallet/skill-gaming), so this slice paces White Pass. treatment is full — same 0% as travel and other, which have no rule and already pace — not excluded. |
| DCB PayLess Select Credit Card DCB Bank | full earn | — | On no exclusion list; counts toward the quarterly milestone at face value |
| DCB PayLess Platinum Credit Card DCB Bank | full earn | — | On no exclusion list; counts toward the quarterly milestone at face value |
| HDFC Infinia Metal HDFC Bank | capped | 3.33% | 2,000 RP/month cap (≈₹60k spend) since 1-Jan-2023 |
| HDFC Diners Club Black Metal HDFC Bank | capped | 3.33% | 2,000 RP/month cap since 1-Jan-2023 |
| ICICI Emeralde Private Metal ICICI Bank | capped | 3.00% | Confirmed 1,000 RP/category/statement-cycle cap (about ₹33,333 of grocery spend) — same official 1,000-RP figure as utilities/education, verified 2026-07-14; the ₹40k/month spend-cap framing does not check out, flag resolved |
| DBS Altitude DBS Bank India | capped | 2.00% | DBS heads the capped row "Grocery, Utility, Telecom Transactions" but lists only utility/telecom MCCs (4814, 4816, 4899, 4900) beside it — the 1,200-point monthly ceiling is stated for the row, the grocery MCCs are not |
| HDFC Regalia Gold HDFC Bank | capped | 1.63% | 2,000 RP/month cap (Regalia Gold explicitly in the 2k list; most non-premium HDFC cards get 1k) |
| Tata Neu Infinity SBI Card SBI Card | capped | 1.50% | 5% at BigBasket as a Tata brand — 5 NeuCoins per ₹100, since 1 NeuCoin is ₹1 — but total grocery NeuCoins are capped at 2,000 NeuCoins a month, about ₹40,000 of grocery spend a month at that rate (§11.4i) |
| HSBC Live+ HSBC | capped | 1.50% | MCC 5411/5422/5441/5451/5462/5499/5921 earn the accelerated 10% — but the accelerator shares ONE ₹1,200 ceiling a month with dining, shopping and utilities (the guide never specifies calendar vs. billing-cycle month, only "a month") |
| Equitas PowerMiles Equitas Small Finance Bank | capped | 1.50% | Earns but capped at 2,000 RP/month (published cap) |
| HDFC Diners Club Privilege HDFC Bank | capped | 1.00% | ~2,000 RP/month cap (HDFC generic since 1-Jan-2023) — community, flag |
| HSBC RuPay Cashback HSBC | capped | 1.00% | 10% cashback — groceries and supermarkets are the accelerated band, and HSBC's own table names 5411, 5422, 5441, 5451, 5462, 5499 and 5921 as "Accelerated CB". But the cap is the fact that matters — "Cashback across both categories is capped at INR 400" a month, ACROSS the 10% and 1% rates together, so ₹4,000 of grocery spend exhausts a whole month's cashback for the entire card. One exception inside the category: Wholesale Clubs (5300) is Zero CB |
| Axis Bank SELECT Axis Bank | capped | 1.00% | Grocery Stores are on the 'Retail Shopping' list, so they earn the 2X (20 EDGE/₹200 ≈ 2%) — but only up to ₹20,000 of cumulative accelerated spend a month, then 10 EDGE/₹200 |
| Tata Neu Plus SBI Card SBI Card | capped | 1.00% | 2% at BigBasket as a Tata brand — 2 NeuCoins per ₹100, since 1 NeuCoin is ₹1 — but total grocery NeuCoins are capped at 1,000 NeuCoins a month, about ₹50,000 of grocery spend a month at that rate, and half the Infinity tier's 2,000 (T&C §11.4h) |
| Shoppers Stop Black HDFC Bank HDFC Bank | capped | 1.00% | "Accrual of Reward Points on Grocery Spends capped at 1000 points per month per customer" |
| Paytm HDFC Bank Select HDFC Bank | capped | 1.00% | "Accruals on grocery spends are capped at 1000 cashpoints per month" (1 January 2023) |
| ICICI Bank Emeralde ICICI Bank | capped | 1.00% | Grocery and departmental-store spend earns on the first ₹40,000 a statement cycle |
| IRCTC HDFC Bank Credit Card HDFC Bank / IRCTC | capped | 1.00% | "Reward Points on grocery is capped maximum at 1000 Reward Points per month and 12000 Reward Points Annually" — the same ceiling the 5X IRCTC accelerator carries |
| HDFC Bank PIXEL Play HDFC Bank | capped | 1.00% | 5% CashPoints if Grocery is one of your two chosen brand packs — Blinkit online and Reliance Smart Bazaar physical stores only, capped 500 CashPoints a month, and JioMart's online portal is expressly excluded; otherwise the 1% base |
| LIC IDFC FIRST Select IDFC FIRST Bank | capped | 1.00% | MCC 5411, inside the same 600-RP-a-month essentials ceiling shared with utilities, telecom, education and government; IDFC publishes no split of that ceiling, so none of it belongs to groceries alone |
| Paytm HDFC Bank HDFC Bank | capped | 1.00% | Groceries earn the 1% but accrual is capped at 1,000 CashPoints a month |
| Standard Chartered Smart Standard Chartered | capped | 1.00% | No category rate exists on this card — grocery spend earns 2% if the transaction is online and 1% if it is not, and both buckets are capped in rupees at ₹1,000 and ₹500 a month respectively |
| PhonePe SBI Card SELECT BLACK SBI Card | capped | 1.00% | Groceries are neither accelerated nor excluded, so they earn 1 point per ₹100 in store against the 2,000-point monthly "other spends" ceiling, or 5 per ₹100 bought online against the separate 1,000-point online ceiling |
| HDFC Regalia HDFC Bank | capped | 1.00% | 2,000 RP/month — Regalia named in the official 2k-cap list alongside Regalia Gold (w.e.f. 1-Jan-2023) |
| HDFC Regalia Activ HDFC Bank | capped | 1.00% | "Reward points earned on grocery transaction will be capped at 2000 RP per calendar month" w.e.f. 1-Jan-2023 |
| Kotak Zen Signature Kotak Mahindra Bank | capped | 0.83% | Departmental stores are part of the 10-points-per-₹150 shopping tier; plain grocery and supermarket MCCs fall to the 5-point base. Either way the 6,500-point billing-cycle ceiling binds first |
| ICICI Bank Expressions ICICI Bank | capped | 0.75% | Grocery and departmental-store spend earns on the first ₹20,000 a statement cycle |
| IndianOil Axis Bank Premium Axis Bank | capped | 0.67% | 2 EDGE Miles per ₹150 (MCC 5411) on the first ₹5,000 a statement month — the accelerated leg capped at 33 miles — then 1 per ₹150 |
| IndianOil HDFC Bank Credit Card HDFC Bank | capped | 0.64% | 5 Fuel Points per ₹100 on MCC 5411, 5499, 5921 and 5462, with a minimum transaction of ₹150 — but capped at 100 Fuel Points a month, about ₹2,000 of spend, after which the category earns nothing. Note the tension in HDFC's own documents — Table 1.1 accelerates these grocery MCCs while §2.1 lists "Supermarkets" among the categories that accrue no points at all, so a supermarket outside those four codes is a dead spend |
| RBL Platinum Maxima RBL Bank | capped | 0.50% | 10 RP per ₹100 — but grocery shares a single 1,000-point monthly ceiling with dining, entertainment and international spend, so the accelerator runs out around ₹10,000 of combined accelerated spend a cycle |
| RBL Platinum Maxima Plus RBL Bank | capped | 0.50% | 10 RP per ₹100 — but grocery shares a single 1,000-point monthly ceiling with dining, entertainment and international spend, so the accelerator runs out around ₹10,000 of combined accelerated spend a cycle |
| SBI Card ELITE SBI Card | capped | 0.50% | 10 points per ₹100 (2.5%) on departmental stores and groceries, but the accelerated pool caps at 10,000 points a calendar month and then reverts to the 2-point base. The register also switches the accelerated rate off entirely at Metro Cash & Carry, Flipkart Wholesale and Walmart, naming ELITE among the cards it applies to |
| SBI Card PRIME SBI Card | capped | 0.50% | 10 points per ₹100 (2.5%) on MCC 5311 and 5411, sharing a 7,500-point monthly ceiling with dining and movies, after which it drops to 2 points per ₹100. Switched off entirely at Metro Cash & Carry, Flipkart Wholesale and Walmart, which the register names PRIME among |
| ICICI Sapphiro ICICI Bank | capped | 0.50% | 2/₹100 up to ₹20k–40k spend/month (Nov-2024; tier wording ambiguous — flag) |
| ICICI Bank Coral ICICI Bank | capped | 0.50% | Grocery and departmental-store spend earns only on the first ₹20,000 a statement cycle — half the utility ceiling, and the tightest cap on the card |
| ICICI Bank HPCL Super Saver ICICI Bank | capped | 0.50% | Inside the same 5% bucket as utilities and sharing the same 400-point statement-cycle ceiling — the two categories do not get 400 each |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | capped | 0.50% | 30 RP/₹150 — 5% — on just ₹2,000 of grocery spend a statement cycle, and grocery and utility SHARE that ₹2,000 ceiling: 400 reward points a cycle between them, then nothing |
| ICICI Bank HPCL Coral Credit Card ICICI Bank | capped | 0.50% | Grocery and departmental-store spend earns on the first ₹20,000 a statement cycle (MCC 3333, 5411, 5412, 5441, 9751, 5311, 5331, 5499) and nothing after |
| ICICI Bank Platinum Chip Credit Card ICICI Bank | capped | 0.50% | Grocery and departmental-store spend (MCC 3333, 5411, 5412, 5441, 9751, 5311, 5331, 5499) earns on the first ₹20,000 a statement cycle — half the utility ceiling — and nothing beyond it |
| IndianOil Kotak Credit Card Kotak Mahindra Bank | capped | 0.50% | 12 Reward Points per ₹150 — 2% at 25p — on MCC 5411, 5311, 5399, 5422, 5451 and 5441, sharing an 800-point statement-cycle ceiling with dining, which is about ₹10,000 of combined spend. Past it, the 3-per-₹150 base |
| ICICI Bank Coral against FD ICICI Bank | capped | 0.50% | Grocery and departmental-store spend earns only on the first ₹20,000 a statement cycle — the tightest cap on the card |
| ICICI Bank Rubyx against FD ICICI Bank | capped | 0.50% | Grocery and departmental-store spend earns only on the first ₹40,000 a statement cycle |
| KVB SBI Signature Card SBI Card | capped | 0.50% | 10 points per ₹100 (2.5%) on departmental stores and groceries up to 10,000 points a month, then back to the 2-point base — and switched off entirely at Metro Cash & Carry, Flipkart Wholesale and Walmart, which the register applies to the Signature tier by name |
| KVB SBI Platinum Card SBI Card | capped | 0.50% | 10 points per ₹100 (2.5%) on departmental stores up to 7,500 points a month, then back to base, and switched off at Metro Cash & Carry, Flipkart Wholesale and Walmart |
| South Indian Bank SBI Platinum Card SBI Card | capped | 0.50% | 10 points per ₹100 (2.5%) on departmental stores up to 7,500 points a month, then back to base, and switched off at Metro Cash & Carry, Flipkart Wholesale and Walmart |
| Chennai Super Kings ICICI Bank ICICI Bank | capped | 0.50% | Departmental-store and grocery spend earns on the first ₹20,000 a statement cycle only; the card T&C carves "departmental Store purchases" out of the 2 RP base line as well |
| Axis Bank REWARDS Axis Bank | capped | 0.32% | Departmental stores are the card's 10X category — 20 EDGE REWARD Points per ₹125 ≈ 3.2% at ₹0.20 — but the 9X bonus is capped at 1,008 points a statement month, which is ₹7,000 of spend. Past that it falls to the 2-per-₹125 base. |
| BPCL SBI Card OCTANE SBI Card | capped | 0.25% | 10 Reward Points per ₹100 (2.5%) on groceries MCC 5411 and departmental stores MCC 5311, but the 10X pool is shared with dining and movies and caps at 7,500 Reward Points a month across all four; the accelerated rate is switched off entirely at Metro Cash & Carry and Walmart, which then earn the 1 point per ₹100 base |
| HDFC Bank UPI RuPay HDFC Bank | capped | 0.25% | 3 CashPoints per ₹100 (0.75% at ₹0.25 a point) on groceries and supermarkets, sharing a 500-CashPoint calendar-month ceiling with dining and PayZapp — about ₹16,700 of combined spend exhausts it, after which grocery earns nothing more that month. HDFC reads the category from the MCC RuPay assigns: "If in case the MCC is not available in the set-up, such transactions will not qualify for the benefit" |
| HDFC Bank MoneyBack+ HDFC Bank | capped | 0.25% | BigBasket and Reliance Smart SuperStore sit inside the 10X list; grocery spend anywhere else earns the base rate and is capped at 1,000 Reward Points a calendar month, in force since 1 Jan 2023 |
| HDFC Bank Freedom HDFC Bank | capped | 0.07% | "With effect from 1st January 2023, Reward points earned on Grocery transactions will be capped per month to 1,000 reward points" — half the utility ceiling |
| RBL Platinum LifeEasy RBL Bank | capped | — | 5% back (paid in Reward Points) capped at ₹200 a month — the only one of the pages three advertised rates the exclusion footnote does not contradict |
| Standard Chartered Beyond Standard Chartered | reduced | 2.00% | 3 RP per ₹150 (2%) — "Supermarkets" in the §4.1.2 list |
| Standard Chartered Ultimate Standard Chartered | reduced | 2.00% | 3 RP/₹150 (2%) on supermarkets MCC 5411 since 2-Apr-2023 |
| IRCTC SBI Card Premier SBI Card | reduced | 0.80% | Base 1 RP/₹125 (0.8%) retail rate |
| YES First Preferred YES Bank | reduced | 0.50% | 4 points per ₹200 vs 8 points per ₹200 — groceries (5411) and convenience stores (5499) are Select categories on Preferred, and they survived the 15-Jun-2026 cut |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | earns nothing | — | Zero earn — supermarkets/convenience/variety/retail (5261/5331/5411/5499) sit in Annexure 1 (official rewards T&C) |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1's "Supermarket and convenience store, Variety Stores, Retail Store" row covers 5261, 5331, 5411 and 5499 |
| BOBCARD Premier BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1's "Supermarket and convenience store, Variety Stores, Retail Store" row covers 5261, 5331, 5411 and 5499 |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | Zero points, and this is the trap on a card whose accelerator is "departmental store": the accelerated MCC is 5311, which is NOT a grocery code. Annexure 1's supermarket row covers 5261, 5331, 5411 and 5499, so an actual supermarket swipe earns nothing at all |
| Shoppers Stop HDFC Bank HDFC Bank | earns nothing | — | Zero points — "Supermarkets" is named outright in HDFC's exclusion list for this card, alongside bakeries and package stores selling beer, wine and liquor |
| RBL World Safari Lite RBL Bank | n/a | — | RBL publishes no earn rate for general spend on this card — only domestic travel merchants and its own flights/hotels portal earn anything |
| PhonePe HDFC Bank Ultimo HDFC Bank | n/a | — | HDFC publishes no earn rate for general spend on this card — groceries outside the seven named online brands earn nothing at all |
| PhonePe HDFC Bank Uno HDFC Bank | n/a | — | HDFC publishes no earn rate for general spend on this card — groceries outside the seven named online brands earn nothing |
Best grocery credit cards in India (2026)
The desk's call for the category — a different question from the podium above. The podium ranks what ₹100 of groceries & supermarkets returns on a swipe today; this board ranks on ₹/yr at ₹15,000/mo of groceries , and 2 cards tie at the top. Same data, two views, and each says its own question.
Which is the best credit card for groceries in India?
2 cards tie at the top — Swiggy HDFC Bank Credit Card and Swiggy BLCK HDFC Bank Credit Card — on ₹18,000 a year at ₹15,000 a month of groceries (₹1,80,000 a year). Swiggy 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 a billing cycle · which it reaches at ₹15,000 of Swiggy spend — 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 39 here whose grocery accelerator we can price, 15 stop before ₹15,000 a month does and 10 pay only inside a named chain, a channel, one day of the week or above a minimum bill. The other 174 ranked cards have no grocery accelerator at all and earn whatever the card earns everywhere.
A 5% grocery card is a 5% card on the first few thousand rupees and a 1% card after that. 15 of the 39 accelerators here run out before ₹15,000 a month of shopping does. Priced with the lock and the ceiling applied.
Verified through · The records behind this board — the card records this ranks and the grocery rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build.
Ranks 1–15 of 213 · ranked by ₹/yr at ₹15,000/mo of groceries
| # | Card | ₹/yr at ₹15,000/mo of groceries | The math |
|---|---|---|---|
| 1 | Swiggy HDFC Bank Credit Card | ₹18,000 | 10.00% at Swiggy and Instamart · the rate stops at ₹15,000 of groceries a month · 1.00% on the same basket bought anywhere else — 10%, capped at ₹1,500 a billing cycle · which it reaches at ₹15,000 of Swiggy spend · ₹500/yr |
| 2 | Swiggy BLCK HDFC Bank Credit Card | ₹18,000 | 10.00% at Swiggy and Instamart · the rate stops at ₹15,000 of groceries a month · 1.00% on the same basket bought anywhere else — 10%, capped at ₹1,500 of cashback a billing cycle IN ITS OWN RIGHT · so the 10% runs out at ₹15,000… · ₹1,000/yr |
| 3 | HSBC Live+ | ₹14,940 | 10.00% on a grocery bill · the rate stops at ₹12,000 of groceries a month, which ₹15,000 walks past · 1.50% on every rupee past that ceiling — 10% accelerated cashback, hard-capped at ₹1,200 a month (HSBC never specifies calendar vs · Amazon… · ₹999/yr |
| 4 | Swiggy Ornge HDFC Bank Credit Card | ₹9,000 | 5.00% at Swiggy and Instamart · the rate stops at ₹30,000 of groceries a month · 1.00% on the same basket bought anywhere else — 5%, and it SHARES a ₹1,500-a-billing-cycle ceiling with the online leg below · Swiggy Money Wallet… · ₹500/yr |
| 5 | Tata Neu Infinity SBI Card | ₹9,000 | 5.00% at BigBasket · the rate stops at ₹40,000 of groceries a month · 1.50% on the same basket bought anywhere else — BigBasket, Croma, Westside, Tata Cliq, Tata 1mg, Titan & Tanishq, Qmin (5%) · 5% on non-EMI spends,… · ₹1,499/yr |
| 6 | Axis Magnus for Burgundy | ₹8,640 | 4.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹30,000/yr |
| 7 | HDFC Diners Club Black Metal | ₹5,994 | 3.33% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹10,000/yr |
| 8 | Kotak Solitaire | ₹5,400 | 3.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹25,000/yr |
| 9 | Axis Miles & More World Select | ₹5,400 | 3.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹10,000 joining, then ₹4,500/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 10 | HSBC Premier (Metal) | ₹5,400 | 3.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹12,000 joining, then ₹20,000/yr |
| 11 | Axis Bank Reserve | ₹5,400 | 3.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹50,000/yr |
| 12 | HSBC RuPay Cashback | ₹4,800 | 10.00% on a grocery bill · the rate stops at ₹4,000 of groceries a month — 10% cashback · but it shares the ₹400 monthly ceiling with everything else, so it is a faster route… · the card itself stops earning past ₹4,000 of spend a month — ₹400 a month is the card's whole reward ceiling, across every rate it pays, and nothing past it earns · ₹499/yr |
| 13 | BPCL SBI Card OCTANE | ₹4,500 | 2.50% on a grocery bill · the rate stops at ₹75,000 of groceries a month · 0.25% on every rupee past that ceiling — Groceries, departmental stores, dining and movies (10X) · 10 RP/₹100 × ₹0.25 on MCC 5411, 5311, 783… · ₹1,499/yr |
| 14 | SBI Card PRIME | ₹4,500 | 2.50% on a grocery bill · the rate stops at ₹75,000 of groceries a month · 0.50% on every rupee past that ceiling — 10 RP per ₹100 · ₹2,999/yr |
| 15 | SBI Card ELITE | ₹4,500 | 2.50% on a grocery bill · the rate stops at ₹1,00,000 of groceries a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100 · ₹4,999/yr |
the other 198 — ranks 16 to 213
| # | Card | ₹/yr at ₹15,000/mo of groceries | The math |
|---|---|---|---|
| 16 | Axis Magnus | ₹4,320 | 2.40% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹12,500/yr |
| 17 | YES Bank Marquee | ₹4,050 | 2.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹9,999 joining, then ₹4,999/yr |
| 18 | Scapia (Federal Bank) | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 19 | Tata Neu Plus SBI Card | ₹3,600 | 2.00% at BigBasket · the rate stops at ₹50,000 of groceries a month · 1.00% on the same basket bought anywhere else — BigBasket, Croma, Westside, Tata Cliq, Tata 1mg, Titan & Tanishq, Qmin (2%) · 2% on non-EMI spends,… · ₹499/yr |
| 20 | Kotak Air+ | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 21 | Axis Horizon | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000/yr |
| 22 | Axis Bank SELECT | ₹3,600 | 2.00% on a grocery bill · the rate stops at ₹20,000 of groceries a month · 1.00% on every rupee past that ceiling — 20 EDGE/₹200 ≈ 2.0% at Select's ₹0.20 redemption · accelerated earn stops at ₹20,000 of cumulative… · ₹3,000/yr |
| 23 | Axis Miles & More World | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,500/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 24 | HSBC TravelOne | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr |
| 25 | BOBCARD Etihad Guest Premium | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr |
| 26 | Standard Chartered Ultimate | ₹3,600 | 2.00% on a grocery bill — the card's REDUCED grocery rate — 3 RP/₹150 (2%) on supermarkets MCC 5411 since 2-Apr-2023 · ₹5,000/yr |
| 27 | RBL Nova | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹12,500/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 28 | ICICI Times Black | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹20,000/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 29 | ICICI Bank Parakram Select | ₹3,300 | 2.50% on a grocery bill · the rate stops at ₹10,000 of groceries a month, which ₹15,000 walks past · 0.50% on every rupee past that ceiling — 10 RP per ₹100 at ₹0.25/pt, capped at 1,000 RP a month (w.e.f · ₹0 — lifetime free |
| 30 | RBL Shoprite | ₹3,300 | 5.00% on a grocery bill · the rate stops at ₹5,000 of groceries a month, which ₹15,000 walks past · 0.25% on every rupee past that ceiling — 20 RP per ₹100 · max 1,000 RP a month · ₹500/yr |
| 31 | RBL Platinum Maxima | ₹3,300 | 2.50% on a grocery bill · the rate stops at ₹10,000 of groceries a month, which ₹15,000 walks past · 0.50% on every rupee past that ceiling — 10 RP per ₹100 ≈ 2.5% · capped at 1,000 Reward Points a month across the whole bucket · ₹2,000/yr |
| 32 | RBL Platinum Maxima Plus | ₹3,300 | 2.50% on a grocery bill · the rate stops at ₹10,000 of groceries a month, which ₹15,000 walks past · 0.50% on every rupee past that ceiling — 10 RP per ₹100 ≈ 2.5% · capped at 1,000 Reward Points a month across the whole bucket · ₹2,500/yr |
| 33 | Emirates Skywards ICICI Bank Emeralde | ₹3,240 | 1.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹10,000/yr |
| 34 | SimplySAVE SBI Card | ₹3,001 | 1.67% on a grocery bill · the rate stops at ₹74,963 of groceries a month · 0.17% on every rupee past that ceiling — Dining, movies, departmental stores & grocery (10X) · 10 RP per ₹150, so 6.67 RP per ₹100 · 1.67% a… · ₹499/yr |
| 35 | IDFC FIRST Mayura | ₹3,001 | 1.67% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,999/yr |
| 36 | HDFC Regalia Gold | ₹2,934 | 1.63% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,500/yr |
| 37 | Kotak Cashback+ | ₹2,925 | 5.00% bought online · the rate stops at ₹3,750 of groceries a month, which ₹15,000 walks past · 0.50% on the same basket bought anywhere else — 5% cashback · The same basket bought in the shop earns the 0.5% base, and Kotak says so explicitly… · ₹750/yr |
| 38 | Kotak Cashback+ Prime | ₹2,925 | 5.00% bought online · the rate stops at ₹3,750 of groceries a month, which ₹15,000 walks past · 0.50% on the same basket bought anywhere else — 5% cashback · Kotak pays this leg in rupees, so it is carried as its equivalent to 20 Reward Points… · ₹750/yr |
| 39 | IndianOil Kotak Credit Card | ₹2,700 | 2.00% on a grocery bill · the rate stops at ₹10,000 of groceries a month, which ₹15,000 walks past · 0.50% on every rupee past that ceiling — MCC 5812/5814/5813/5411/5311/5399/5422/5451/5499/5441 (2%) · 12 Reward Points per ₹150 ≈ 2% at 25p… · ₹449/yr |
| 40 | Tata Neu Infinity HDFC Bank | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr |
| 41 | IndiGo IDFC FIRST Dual Credit Card | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr |
| 42 | Equitas PowerMiles | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr |
| 43 | IndusInd Avios Visa Infinite | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹10,000 joining, then ₹5,000/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 44 | IndianOil Axis Bank Premium | ₹2,412 | 1.34% on a grocery bill · the rate stops at ₹3,73,134 of groceries a month · 0.67% on every rupee past that ceiling — Grocery & supermarkets (2X) · 2 EDGE Miles/₹150 ≈ 1.33% at ₹1 · only on the first ₹5,000 a statemen… · ₹1,000/yr |
| 45 | IDFC FIRST Ashva | ₹2,399 | 1.33% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,999/yr |
| 46 | ixigo AU | ₹2,250 | 1.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 47 | ICICI Bank Parakram | ₹2,250 | 1.25% on a grocery bill · the rate stops at ₹20,000 of groceries a month · 0.25% on every rupee past that ceiling — 5 RP per ₹100 at ₹0.25/pt, capped at 1,000 RP a month (w.e.f · ₹0 — lifetime free |
| 48 | KrisFlyer SBI Card | ₹1,980 | 1.10% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,999/yr |
| 49 | IDFC FIRST HPCL Power+ | ₹1,980 | 5.00% on a grocery bill · the rate stops at ₹2,000 of groceries a month, which ₹15,000 walks past · 0.50% on every rupee past that ceiling — 30X = 5%, but only on ₹2,000 of spend a cycle · 400 points, then nothing · ₹499/yr |
| 50 | IDBI Bank LIC Eclat Select | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 51 | BOBCARD Uni GoldX | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 52 | Fibe Axis Bank Credit Card | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 53 | LIC IDFC FIRST Select | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published; the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a grocery bill alone and none is applied here · ₹0 — lifetime free |
| 54 | RBL Paisabazaar Duet | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 55 | SBM MobiKwik First Credit Card | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 56 | Paisabazaar Paisa Plus Credit Card | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹499/yr |
| 57 | HDFC PIXEL Go | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹250/yr |
| 58 | Standard Chartered Smart | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr |
| 59 | IRCTC HDFC Bank Credit Card | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr |
| 60 | HDFC Bank PIXEL Play | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr |
| 61 | MakeMyTrip ICICI Bank | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹999/yr |
| 62 | Union JCB Wellness | ₹1,800 | 1.00% on a grocery bill · no ceiling published on this rung — 4 RP per ₹100 at ₹0.25/pt · ₹999/yr |
| 63 | CASHBACK SBI Card | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹999/yr |
| 64 | HDFC Diners Club Privilege | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 65 | Paytm HDFC Bank Select | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000/yr |
| 66 | RBL Apex | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000/yr |
| 67 | SBI Card MILES PRIME | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,999/yr |
| 68 | Shoppers Stop Black HDFC Bank | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,500/yr |
| 69 | SBI Card MILES ELITE | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr |
| 70 | SBI AURUM | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹9,999/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 71 | Marriott Bonvoy HDFC Bank | ₹1,556 | 0.86% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000/yr |
| 72 | Kotak Zen Signature | ₹1,499 | 0.83% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,500/yr |
| 73 | IndusInd Tiger | ₹1,440 | 0.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 74 | IRCTC SBI Card Premier | ₹1,440 | 0.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr |
| 75 | IndusInd Legend | ₹1,440 | 0.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0/yr · ₹5,000 joining (one-time) |
| 76 | IndusInd Pinnacle World | ₹1,440 | 0.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0/yr · ₹15,000 joining (one-time) |
| 77 | IDBI Bank Royale Signature | ₹1,350 | 0.75% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 78 | HDFC Bank UPI RuPay | ₹1,350 | 0.75% on a grocery bill · the rate stops at ₹16,700 of groceries a month · 0.25% on every rupee past that ceiling — 3 CashPoints per ₹100 at ₹0.25 apiece · HDFC's "3%" is three POINTS, not three rupees · Capped at 5… · ₹99/yr |
| 79 | Axis Bank Cashback | ₹1,350 | 0.75% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000/yr |
| 80 | IDBI Bank Euphoria World | ₹1,350 | 0.75% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr |
| 81 | IDFC FIRST WOW! Black | ₹1,201 | 0.67% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹750/yr |
| 82 | HSBC Platinum | ₹1,201 | 0.67% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 83 | HSBC RuPay Platinum | ₹1,201 | 0.67% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 84 | IndianOil HDFC Bank Credit Card | ₹1,152 | 0.64% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr |
| 85 | IDFC FIRST WOW! | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 86 | ICICI Bank Platinum Chip Credit Card | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 87 | Suryoday SFB RuPay Platinum | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹150/yr |
| 88 | Suryoday SFB RuPay Select | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹150/yr |
| 89 | AU Bank NOMO Credit Card | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0/yr · ₹199 joining (one-time) |
| 90 | ICICI Bank HPCL Coral Credit Card | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹199/yr |
| 91 | AU Altura Credit Card | ₹900 | 2.00% on a grocery bill · the rate stops at ₹2,500 of groceries a month, which ₹15,000 walks past · 1.00% on every rupee past that ceiling — 2% · but capped at ₹50 of cashback a statement cycle, so ₹2,500 of spend · the card itself stops earning past ₹5,000 of spend a month · ₹199/yr |
| 92 | IRCTC RBL Bank Credit Card | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr |
| 93 | Axis Bank Shoppers Stop Credit Card | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr |
| 94 | IDBI Bank Winnings | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹899/yr |
| 95 | RBL Bank Shoppers Stop Gold | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000/yr |
| 96 | TVS Credit RBL Bank Gold | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,500/yr |
| 97 | RBL World Safari | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000/yr |
| 98 | RBL Bank Shoppers Stop Platinum | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr |
| 99 | IDFC FIRST Wealth | ₹675 | 0.38% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 100 | IDFC FIRST Select | ₹675 | 0.38% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 101 | IDFC FIRST Millennia | ₹675 | 0.38% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 102 | IDFC FIRST Classic | ₹675 | 0.38% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 103 | Federal Bank Celesta | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · the desk's own rule here is flagged unverified — ranked, not crowned |
| 104 | RBL BankBazaar SaveMax | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 105 | AU LIT Credit Card | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free |
| 106 | RBL Platinum Choice | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr |
| 107 | RBL Platinum Advantage | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr |
| 108 | RBL Patanjali Vishisht | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr |
| 109 | RBL Bank DMI Finance | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr |
| 110 | AU Altura Plus Credit Card | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr |
| 111 | HDFC Bank MoneyBack+ | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr |
| 112 | RBL Binge | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹999/yr |
| 113 | RBL Movies and More | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000/yr |
| 114 | RBL Bank SalarySe UP | ₹360 | 0.20% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr |
| 115 | RBL Cookies | ₹360 | 0.20% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,200/yr |
| 116 | Reliance SBI Card PRIME | ₹9,000 | 5.00% at JioMart · no ceiling published on this rung · 0.50% on the same basket bought anywhere else — 20 RP per ₹100 · ₹2,999/yr · the desk's own verdict is downgrade |
| 117 | Unity Bank BharatPe Credit Card | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 118 | DBS Vantage | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹20,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 119 | Axis Bank NEO | ₹3,150 | 10.00% at Blinkit · the rate stops at ₹2,500 of groceries a month, which ₹15,000 walks past · 0.10% on the same basket bought anywhere else — 10% off, up to ₹250, on a minimum ₹750, once a month · a discount, not points, so it is carried as… · ₹250/yr · the desk's own verdict is downgrade |
| 120 | Axis Bank REWARDS | ₹2,995 | 3.20% on a grocery bill · the rate stops at ₹7,000 of groceries a month, which ₹15,000 walks past · 0.32% on every rupee past that ceiling — 20 EDGE Reward Points/₹125 ≈ 3.2% at ₹0.20 · accelerated bonus hard-capped at 1,008 points a statem… · ₹1,000/yr · the desk's own verdict is downgrade |
| 121 | SpiceJet Axis Bank Voyage Black | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,000/yr · the desk's own verdict is downgrade |
| 122 | YES Bank RESERV | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,499/yr · the desk's own verdict is downgrade |
| 123 | Titan SBI Card | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,999/yr · the desk's own verdict is downgrade |
| 124 | Adani One ICICI Bank Signature | ₹2,700 | 1.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr · the desk's own verdict is downgrade |
| 125 | IndiGo Axis Bank Premium Credit Card | ₹2,700 | 1.50% on a grocery bill · no ceiling published on this rung — 3 BluChips/₹100 = 1.5% effective · ₹5,000/yr · the desk's own verdict is downgrade |
| 126 | Emirates Skywards ICICI Bank Sapphiro | ₹2,430 | 1.35% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr · the desk's own verdict is downgrade |
| 127 | AU Zenith | ₹2,250 | 1.25% on a grocery bill · the rate stops at ₹1,00,000 of groceries a month · 0.75% on every rupee past that ceiling — 5 RP/₹100 ≈ 1.25% at ₹0.25 · the 5x dining line is standalone restaurants only, and dining is cappe… · ₹7,999/yr · the desk's own verdict is cancel |
| 128 | ICICI Bank HPCL Super Saver | ₹1,980 | 5.00% on a grocery bill · the rate stops at ₹2,000 of groceries a month, which ₹15,000 walks past · 0.50% on every rupee past that ceiling — 20 RP per ₹100 · but capped at 400 RP a statement cycle, so ₹100 a month and no more · ₹500/yr · the desk's own verdict is downgrade |
| 129 | IRCTC BOBCARD | ₹1,800 | 1.00% on a grocery bill · the rate stops at ₹25,000 of groceries a month · 0.50% on every rupee past that ceiling — 4 RP/₹100 ≈ 1% · accelerated earn capped at 1,000 RP per statement cycle · ₹500 joining, then ₹350/yr · the desk's own verdict is downgrade |
| 130 | Paytm HDFC Bank | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 131 | IndiGo Axis Bank Credit Card | ₹1,800 | 1.00% on a grocery bill · no ceiling published on this rung — 2 BluChips/₹100 = 1% effective · ₹799/yr · the desk's own verdict is downgrade |
| 132 | RBL Paisabazaar Duet Plus | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 133 | Axis Bank Privilege | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,500/yr · the desk's own verdict is downgrade |
| 134 | AU Vetta | ₹1,800 | 1.00% on a grocery bill · no ceiling published on this rung — 4 RP/₹100 ≈ 1% at ₹0.25 · ₹2,999/yr · the desk's own verdict is cancel |
| 135 | IndiGo SBI Card ELITE | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr · the desk's own verdict is downgrade |
| 136 | ICICI Bank Emeralde | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹12,000/yr · the desk's own verdict is downgrade |
| 137 | ICICI Bank Expressions | ₹1,350 | 0.75% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr · the desk's own verdict is downgrade |
| 138 | SpiceJet Axis Bank Voyage | ₹1,350 | 0.75% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹750/yr · the desk's own verdict is downgrade |
| 139 | Standard Chartered EaseMyTrip | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹350/yr · the desk's own verdict is downgrade |
| 140 | ICICI Bank Coral | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 141 | ICICI Bank Coral against FD | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 142 | RBL Platinum Max | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹999/yr · the desk's own verdict is downgrade |
| 143 | RBL Platinum Prime | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹999/yr · the desk's own verdict is downgrade |
| 144 | RBL Platinum Delight | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000/yr · the desk's own verdict is downgrade |
| 145 | IndiGo SBI Card | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 146 | SBI Card MILES | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 147 | SBI Card PULSE | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 148 | RBL Platinum Edge | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,999/yr · the desk's own verdict is downgrade |
| 149 | AU Ananta | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,000/yr · the desk's own verdict is cancel · the desk's own rule here is flagged unverified — ranked, not crowned |
| 150 | ICICI Bank Rubyx | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 151 | ICICI Bank Rubyx against FD | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 152 | RBL Icon | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr · the desk's own verdict is downgrade |
| 153 | ICICI Sapphiro | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹6,500 joining, then ₹3,500/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 154 | RBL Bank Shoppers Stop Black | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹10,000/yr · the desk's own verdict is downgrade |
| 155 | Apollo SBI Card SELECT | ₹810 | 0.45% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 156 | Kotak League Platinum | ₹482 | 0.27% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr · the desk's own verdict is downgrade |
| 157 | TVS Credit RBL Bank | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 158 | Paisabazaar Step-Up SBM Credit Card | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0/yr · ₹500 joining (one-time) · the desk's own verdict is downgrade |
| 159 | RBL Platinum Plus | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹999/yr · the desk's own verdict is downgrade |
| 160 | RBL Bank Patanjali Swarn | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 161 | RBL Platinum ShopGain | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · the desk's own verdict is downgrade |
| 162 | RBL Bank Blockbuster | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000/yr · the desk's own verdict is downgrade |
| 163 | AU Zenith+ | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr · the desk's own verdict is cancel |
| 164 | IndusInd Platinum Aura Edge | ₹360 | 0.20% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 165 | HDFC Bank Freedom | ₹135 | 0.07% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr · the desk's own verdict is downgrade |
| 166 | RBL EasySaver | ₹113 | 0.06% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹499/yr · the desk's own verdict is cancel |
| 167 | RBL MyFirst | ₹113 | 0.06% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹999/yr · the desk's own verdict is cancel |
| 168 | IDFC FIRST Private | ₹12,002 | 6.67% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹50,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 169 | Axis Bank PRIMUS | ₹9,000 | 5.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application |
| 170 | Axis Atlas | ₹7,200 | 4.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr · closed to new applicants |
| 171 | Axis Olympus | ₹7,200 | 4.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹20,000/yr · invite-only — not on open application |
| 172 | IDFC FIRST Gaj | ₹5,999 | 3.33% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹12,500/yr · invite-only — not on open application |
| 173 | HDFC Infinia Metal | ₹5,994 | 3.33% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹12,500/yr · invite-only — not on open application |
| 174 | Air India SBI Signature Card | ₹5,760 | 3.20% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr · closed to new applicants |
| 175 | ICICI Emeralde Private Metal | ₹5,400 | 3.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹12,499/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 176 | KVB SBI Platinum Card | ₹4,500 | 2.50% on a grocery bill · the rate stops at ₹75,000 of groceries a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100, until 7,500 RP have accrued in a month · ₹2,999/yr · availability not published |
| 177 | South Indian Bank SBI Platinum Card | ₹4,500 | 2.50% on a grocery bill · the rate stops at ₹75,000 of groceries a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100, until 7,500 RP have accrued in a month · ₹2,999/yr · availability not published |
| 178 | KVB SBI Signature Card | ₹4,500 | 2.50% on a grocery bill · the rate stops at ₹1,00,000 of groceries a month · 0.50% on every rupee past that ceiling — 5X = 10 RP per ₹100, until 10,000 RP have accrued in a month · ₹4,999/yr · availability not published |
| 179 | Axis Bank Vistara Infinite Credit Card | ₹4,320 | 2.40% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · closed to new applicants |
| 180 | Scapia (BOBCARD) | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · availability not published |
| 181 | DBS Altitude | ₹3,600 | 2.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr · invite-only — not on open application |
| 182 | Standard Chartered Beyond | ₹3,600 | 2.00% on a grocery bill — the card's REDUCED grocery rate — 3 RP per ₹150 (2%) · ₹15,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 183 | RBL vCard | ₹3,300 | 5.00% Wednesdays only · the rate stops at ₹5,000 of groceries a month, which ₹15,000 walks past · 0.25% on the same basket bought anywhere else — 20 Reward Points per ₹100 = 5%, on the same one-day-a-week rule and its own separate 1,000-point cy… · ₹0 joining, then ₹500/yr · closed to new applicants |
| 184 | Axis Bank Vistara Signature Credit Card | ₹2,880 | 1.60% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · closed to new applicants |
| 185 | Utkarsh Eternal Credit Card | ₹2,250 | 1.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹1,999/yr · invite-only — not on open application |
| 186 | Utkarsh Rhodium Credit Card | ₹2,250 | 1.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹4,999/yr · invite-only — not on open application |
| 187 | Shaurya SBI Card | ₹2,250 | 1.25% on a grocery bill · the rate stops at ₹1,00,000 of groceries a month · 0.25% on every rupee past that ceiling — 5 Reward Points per ₹100 · but the accelerated categories share a 5,000-point monthly ceiling, afte… · ₹250/yr · availability not published |
| 188 | Amex Platinum Charge | ₹2,250 | 1.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹66,000/yr · issuance paused |
| 189 | Amazon Pay ICICI Bank | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · invite-only — not on open application |
| 190 | Utkarsh SmartGen Credit Card | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹199/yr · invite-only — not on open application |
| 191 | Amex Membership Rewards Card | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000 joining, then ₹4,500/yr · issuance paused |
| 192 | Amex Gold Charge | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,000 joining, then ₹4,500/yr · issuance paused |
| 193 | Paytm SBI Card SELECT | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · availability not published |
| 194 | PhonePe SBI Card SELECT BLACK | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,499/yr · availability not published |
| 195 | RBL Aspire Banking | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,500/yr · invite-only — not on open application |
| 196 | RBL Signature Banking | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,500/yr · invite-only — not on open application |
| 197 | HDFC Regalia | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,500/yr · closed to new applicants |
| 198 | HDFC Regalia Activ | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,500/yr · closed to new applicants |
| 199 | Amex Platinum Travel | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹5,000/yr · issuance paused |
| 200 | Amex Platinum Reserve | ₹1,800 | 1.00% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹10,000/yr · issuance paused |
| 201 | Axis Bank Vistara Credit Card | ₹1,440 | 0.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · closed to new applicants |
| 202 | Flipkart Axis Bank Super Elite | ₹1,440 | 0.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr · issuance paused |
| 203 | IndusInd Pioneer Heritage | ₹1,440 | 0.80% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹1,00,000 joining, then ₹25,000/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 204 | Shaurya Select SBI Card | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 joining, then ₹1,499/yr · availability not published |
| 205 | Chennai Super Kings ICICI Bank | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹500/yr · closed to new applicants |
| 206 | YES First Preferred | ₹900 | 0.50% on a grocery bill — the card's REDUCED grocery rate — 4 points per ₹200 vs 8 points per ₹200 · ₹999/yr · closed to new applicants |
| 207 | Kotak Privy League Signature | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,500/yr · closed to new applicants |
| 208 | RBL World Prime | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,999/yr · availability not published |
| 209 | RBL World Max | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹2,999/yr · availability not published |
| 210 | RBL Bank Black | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹3,000/yr · closed to new applicants |
| 211 | RBL World Plus | ₹900 | 0.50% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹4,999/yr · availability not published |
| 212 | RBL World Safari Plus | ₹450 | 0.25% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹6,000/yr · invite-only — not on open application |
| 213 | OneCard Metal | ₹360 | 0.20% on a grocery bill — the card's ordinary rate, no grocery accelerator published · ₹0 — lifetime free · issuance paused |
Not ranked — no grocery number this desk will stand behind — 12 cards, each with the reason
- BOBCARD Eterna — 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)
- BOBCARD Tiara — 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
- RBL World Safari Lite — 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 earn…
- PhonePe HDFC Bank Ultimo — 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
- Kotak White Reserve — nothing per rupee at the supermarket — this card's ongoing grocery rate is zero — Grocery is not on the §4.34 milestone-exclusion list the desk already quotes in watchOut (rent/fuel/utility/education/government/…
- RBL Platinum LifeEasy — 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
- PhonePe HDFC Bank Uno — 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
- BOBCARD Premier — 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
- HPCL ENERGIE BOBCARD — 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…
- Shoppers Stop HDFC Bank — 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 sell…
- DCB PayLess Select Credit Card — 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
- DCB PayLess Platinum Credit Card — 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
4 more questions about this board — how the rate is worked out, and what else readers ask
How is this ranking computed?
ONE NUMBER, THREE FACTS INSIDE IT. (1) THE ACCELERATED RATE: the grocery rung the card's own earn table publishes, at its currency's house ₹/point — admitted only where the desk's own `groceries` rule in data/mcc.yaml states the SAME number, so a rung that is merely grocery-adjacent cannot out-rank a published rate. A rung 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 rung 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. 1 more card ranks at the category rate for a different reason: the desk's own rule puts its 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. 225 priced cards carry a grocery rule on the fine-print desk and 213 of them are ranked above; 420 priced cards have no grocery rule here yet and appear on no part of this page.
How many cards are in this groceries ranking?
213 of the 973 Indian personal cards on the desk are ranked here. 12 are listed unranked with the computed reason — not ranked — no grocery number this desk will stand behind — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 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 /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
The records behind this board — the card records this ranks and the grocery rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board 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 213 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 HDFC Bank Credit Card, costs ₹500/yr and reaches ₹18,000 — that gap is what the fee buys.
Not published
886 cards on the desk have no rule we could read for groceries & supermarkets. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 886
Axis Burgundy PrivateKotak Air+ PrimeIndusInd PIONEER PrivateDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardIDFC FIRST Diamond ReserveKrisFlyer SBI Card APEXStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES PrivateYES Private PrimeHSBC PrivéHSBC TajScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardBOBCARD Etihad GuestAU CA MetalAU CSEquitas Selfe Credit CardKotak AirIndus SolitaireAdani One ICICI Bank PlatinumIndiGo Kotak Premium Credit CardNiyo Global SBM Credit CardYES Bank ELITE+RBL iGlobeIndiGo Kotak Credit CardYES EssenceEazyDiner IndusInd SignatureTata Neu Plus HDFC BankRBL Insignia Preferred Banking World CardMakeMyTrip ICICI Bank PlatinumKotak WhiteKotak NRI Royale SignatureStandard Chartered RewardsIRCTC SBI Platinum CardUnion Bank UNICORNIndusInd CelestaUnion Bank NEXTERIAFederal Bank ImperioUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardYES Bank SELECTYES Bank BYOC (Rewards)YES Bank Zagg Credit CardUnion JCB HealthUnion Bank RuPay PlatinumFederal Bank SignetIndusInd IndulgeIndusInd CrestIndusInd Pioneer LegacyAxis Bank My ZoneLIC Axis Bank SignatureAxis Bank ACEYES Bank Wellness PlusSamsung Axis Bank SignatureFlipkart Axis Bank Credit CardSimplyCLICK SBI CardAU Bank Traverse Credit Card (NRI)RBL LumièreHDFC Bank MillenniaFlipkart SBI CardIDFC FIRST SWYPLandmark Rewards SBI Card PRIMECRED IndusInd Bank RuPay Credit CardDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumAxis Bank Freecharge PlusAxis Bank SuperMoney RuPayPaytm HDFC Bank DigitalPaytm HDFC Bank MobilePaytm HDFC Bank BusinessKotak UPI RuPayAxis Bank FreechargeAxis Bank KwikAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Pride PlatinumAxis Bank Pride SignatureAxis Bank Titanium Smart TravellerBPCL SBI CardGoogle Pay Flex Axis BankIndianOil Axis Bank Credit CardIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak BizEdge Credit CardKotak811 Super Money CardLandmark Rewards SBI Card SELECTLandmark Rewards SBI CardReliance SBI CardLIC Axis Bank PlatinumICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd DuoIndusInd PlatinumIndusInd Platinum RuPayKotak811 Dream DifferentICICI Bank NRI CoralICICI Bank NRI SapphiroKrishak Unnati SBI CardUtkarsh superCardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredHDFC Bank UPI RuPay Mega SaverHDFC Bank GIGA BusinessHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB novio Credit Card (RuPay Select)DCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProCUB CSK Master PlatinumCUB SRH Master PlatinumCUB CSK RuPay PlatinumCUB SRH RuPay PlatinumCUB CSK Master WorldCUB SRH Master WorldIndianOil RBL Bank Credit CardIndianOil RBL Bank XTRA Credit CardDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Solitaire BusinessKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES First BusinessYES Prosperity BusinessYES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Corporate T&E PlatinumRBL Corporate T&E GoldRBL RazorpayX Corporate T&ERBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU BizAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)IB-VISA-BusinessYES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnPNB LUXURA Metal (RuPay)PNB LUXURA Metal (Visa Infinite)PNB Zaggle TwinCanara Bank Select / World / SignatureCanara Bank PlatinumPNB SALARY RuPay SelectPNB BLISSPNB SALARY RuPay PlatinumPNB EMT RuPay PlatinumPNB RuPay PlatinumPNB Patanjali RuPay SelectPNB RuPay MillennialPNB Visa SignaturePNB RuPay SelectPaytm SBI CardApollo SBI CardDoctor's SBI CardPhonePe SBI Card PURPLESBI Card UnnatiDelhi Metro SBI CardCentral SBI Select CardIndian Overseas Bank RuPay SelectIndian Overseas Bank RuPay PlatinumIndian Overseas Bank RuPay ClassicRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteHDFC Harley-Davidson Diners ClubMakeMyTrip ICICI Bank SignatureKotak Royale SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumEmirates Skywards ICICI Bank RubyxClub Vistara SBI Card PRIMEClub Vistara SBI CardAir India SBI Platinum CardIndusInd Iconia AmexIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAAxis Bank SignatureManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardIOB Gold Credit CardIOB Classic Credit CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaCSC Small Business MoneyBack HDFC BankHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicMyntra KotakKotak Best Price BusinessRBL Bank novioHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.