Leaderboards / Spend Categories

Best for Groceries

Supermarket and grocery rewards with Value for Money weighted boost for everyday essentials.

87 cards ranked | Updated February 2026

Key Ranking Factors

45% Grocery Rate

Supermarket rewards

25% Caps

Monthly earning limits

20% Coverage

Online + offline

10% Value

Rate vs annual fee

🥇
Axis Bank Airtel

Axis Bank Airtel

Axis Bank
Cashback Co-Branded ₹500/yr
3.8 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 902

Top 2%
🥈
Swiggy HDFC Bank

Swiggy HDFC Bank

HDFC Bank
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 863

Top 3%
🥉
HSBC RuPay Cashback

HSBC RuPay Cashback

Cashback Dining ₹499/yr
2.8 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 837

Top 4%
#4
HSBC Live+

HSBC Live+

Cashback Dining ₹999/yr
3.6 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 658

Top 5%
#5
HDFC Pixel Play

HDFC Pixel Play

HDFC Bank
Cashback Dining ₹500/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 515

Top 6%
#6
HDFC Bharat

HDFC Bharat

HDFC Bank
Cashback Entry Level ₹500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 412

Top 7%
#7
Flipkart Axis Bank

Flipkart Axis Bank

Axis Bank
Co-Branded Shopping ₹500/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 399

Top 9%
#7
Axis Bank Ace

Axis Bank Ace

Axis Bank
Cashback Entry Level ₹499/yr
3.7 Our Rating
APPLY NOW

on Axis Bank's website

Score

Score: 399

Top 9%
#9
HDFC Millennia

HDFC Millennia

HDFC Bank
Cashback Entry Level ₹1,000/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 354

Top 11%
#10
HDFC Biz Grow

HDFC Biz Grow

HDFC Bank
Business Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 335

Top 12%
#10
Paytm HDFC Bank SELECT Business

Paytm HDFC Bank SELECT Business

HDFC Bank
Business Cashback ₹500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 335

Top 12%
#12
HDFC MoneyBack Plus

HDFC MoneyBack Plus

HDFC Bank
Entry Level Rewards ₹500/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 258

Top 14%
#12
Tata Neu Plus SBI Card

Tata Neu Plus SBI Card

SBI Cards
Co-Branded Entry Level ₹499/yr
3.4 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 258

Top 14%
#14
HDFC Bank UPI RuPay

HDFC Bank UPI RuPay

HDFC Bank
Cashback Entry Level ₹99/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 206

Top 17%
#15
PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE

SBI Cards
Co-Branded Entry Level ₹499/yr
3.6 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 193

Top 18%
#16
Standard Chartered Smart

Standard Chartered Smart

Cashback Entry Level ₹499/yr
3.6 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 180

Top 19%
#17
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

Lounge Access Premium ₹0/yr
4.7 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 180

Top 20%
#18
HDFC Diners Club Privilege

HDFC Diners Club Privilege

HDFC Bank
Dining Lifestyle ₹1,000/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 172

Top 21%
#19
IDFC FIRST Power

IDFC FIRST Power

IDFC First Bank
Co-Branded Entry Level ₹199/yr
3.6 Our Rating
APPLY NOW

on IDFC First Bank's website

Score

Score: 167

Top 22%
#20

SBI Card Prime Advantage

SBI Cards
Lounge Access Premium ₹2,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 160

Top 23%
#21
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

ICICI Bank
Cashback Co-Branded ₹0/yr
4.2 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 150

Top 25%
#22
HDFC InterMiles Signature

HDFC InterMiles Signature

HDFC Bank
Co-Branded Lounge Access ₹2,500/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 144

Top 26%
#23
SimplyCLICK SBI Card

SimplyCLICK SBI Card

SBI Cards
Entry Level Rewards ₹499/yr
3.6 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 135

Top 27%
#24
Standard Chartered Ultimate

Standard Chartered Ultimate

Lounge Access Premium ₹5,000/yr
3.7 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 129

Top 28%
#25
Flipkart SBI Card

Flipkart SBI Card

SBI Cards
Cashback Co-Branded ₹500/yr
3.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 129

Top 29%
#25
HDFC Freedom

HDFC Freedom

HDFC Bank
Entry Level Rewards ₹500/yr
3.2 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 129

Top 29%
#25
HDFC Pixel Go

HDFC Pixel Go

HDFC Bank
Cashback Entry Level ₹250/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 129

Top 29%
#28

PhonePe HDFC Bank Ultimo

HDFC Bank
Co-Branded Entry Level ₹999/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 121

Top 33%
#29
SBI Card Elite

SBI Card Elite

SBI Cards
Dining Lifestyle ₹4,999/yr
3.1 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 107

Top 34%
#30
Tata Neu Plus HDFC Bank

Tata Neu Plus HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 103

Top 35%
#30

Paytm HDFC Bank Business

HDFC Bank
Business Cashback ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 103

Top 35%
#30
Flipkart Wholesale HDFC Bank

Flipkart Wholesale HDFC Bank

HDFC Bank
Cashback Co-Branded ₹499/yr
3.8 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 103

Top 35%
#30
SimplySAVE SBI Card

SimplySAVE SBI Card

SBI Cards
Dining Entry Level ₹499/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 103

Top 35%
#34
Cashback SBI Card

Cashback SBI Card

SBI Cards
Cashback Entry Level ₹999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 101

Top 40%
#34
MakeMyTrip ICICI Bank

MakeMyTrip ICICI Bank

ICICI Bank
Co-Branded Lounge Access ₹999/yr
3.8 Our Rating
APPLY NOW

on ICICI Bank's website

Score

Score: 101

Top 40%
#36
BPCL SBI Card OCTANE

BPCL SBI Card OCTANE

SBI Cards
Co-Branded Fuel ₹1,499/yr
2.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 97

Top 42%
#37
HDFC Business Platinum

HDFC Business Platinum

HDFC Bank
Business Cashback ₹299/yr
3.4 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 90

Top 43%
#38

SBI Card Elite Advantage

SBI Cards
Dining Lifestyle ₹4,999/yr
2.9 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 90

Top 44%
#39
Tata Neu Infinity SBI Card

Tata Neu Infinity SBI Card

SBI Cards
Co-Branded Lounge Access ₹1,499/yr
3.8 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 82

Top 45%
#40
Standard Chartered Beyond

Standard Chartered Beyond

Dining Lifestyle ₹25,000/yr
3.2 Our Rating
APPLY NOW

on Standard Chartered Bank's website

Score

Score: 81

Top 46%
#41
HDFC Solitaire

HDFC Solitaire

HDFC Bank
Entry Level Lifestyle ₹500/yr
3.1 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 80

Top 48%
#42
Apollo SBI Card

Apollo SBI Card

SBI Cards
Co-Branded Rewards ₹499/yr
3.5 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 77

Top 49%
#43
SBI Card Prime

SBI Card Prime

SBI Cards
Dining Lounge Access ₹2,999/yr
3.3 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 73

Top 50%
#44
BPCL SBI Card

BPCL SBI Card

SBI Cards
Co-Branded Entry Level ₹499/yr
3.5 Our Rating
APPLY NOW

on SBI Cards's website

Score

Score: 71

Top 51%
#45
HDFC Diners Club Miles

HDFC Diners Club Miles

HDFC Bank
Dining Lounge Access ₹1,000/yr
3.9 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 63

Top 52%
#46
HSBC RuPay Platinum

HSBC RuPay Platinum

Entry Level Lifetime Free ₹0/yr
3.2 Our Rating
APPLY NOW

on HSBC Bank's website

Score

Score: 60

Top 53%
#47

HDFC World MasterCard

HDFC Bank
Lounge Access Rewards ₹500/yr
3.7 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 54

Top 55%
#48
HDFC Regalia Gold

HDFC Regalia Gold

HDFC Bank
Lifestyle Lounge Access ₹2,500/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 54

Top 56%
#49
Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank

HDFC Bank
Co-Branded Lounge Access ₹1,499/yr
3.5 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 52

Top 57%
#50
IndianOil HDFC Bank

IndianOil HDFC Bank

HDFC Bank
Co-Branded Entry Level ₹500/yr
3.6 Our Rating
APPLY NOW

on HDFC Bank's website

Score

Score: 52

Top 58%

About Grocery Rankings

Groceries are a universal expense—everyone buys them. Cards with accelerated grocery rewards turn routine spending into meaningful earnings. We apply a VFM^1.2 boost because grocery rewards benefit everyone.

How We Rank Grocery Cards

  • Grocery rewards: Earning rate at supermarkets, grocery apps
  • Monthly caps: Higher caps = more earning potential
  • Cashback preference: Cashback on essentials is practical
  • VFM^1.2 boost: Everyday spending cards get extra weight

Grocery Rate

Higher is better

Caps

Higher is better

What Makes a Great Grocery Card

  • High grocery rate: 3-5% on supermarket spending
  • Broad acceptance: Works at your preferred stores/apps
  • Reasonable caps: ₹10,000+ monthly cap is comfortable
  • No exclusions: Includes online grocery platforms

Who Benefits from Grocery Cards

  • Families with significant grocery bills
  • Anyone who values everyday earning
  • Those who shop at consistent stores/apps

Maximizing Grocery Rewards

  • Consolidate spending: Use one card for all grocery shopping
  • Check online classification: Verify BigBasket, Blinkit count as grocery
  • Watch caps: Switch cards if you hit monthly limits

Grocery Card FAQ

Do online grocery apps count as grocery spending?

Usually yes, but verify with your card. BigBasket, Blinkit, Amazon Fresh typically classify as grocery. Some may classify as online shopping with different rates.

Bottom Line

Grocery rewards are universally valuable—everyone benefits. Even a modest 2-3% extra on ₹10,000+ monthly grocery spending adds up to meaningful annual savings.

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