Credit Cards · Groceries
Best Credit Cards for Groceries
Grocery credit cards give boosted rewards at supermarkets and grocery delivery apps. Ranked below by grocery-category reward rate.
Ranked
21 cards ranked for groceries
HSBC Live+ Credit Card
HSBC
10.00%
on groceries
- ✓10% cashback on dining, food delivery, and groceries (capped ₹1,000/month each)
- ✓1.5% unlimited cashback on all other spends
- ✓4 complimentary domestic airport lounge visits per year
RBL Platinum Maxima Plus Credit Card
RBL Bank
10.00%
on groceries
- ✓10X reward points on dining, entertainment, grocery, and international spends (max 1,000 pts/month per category)
- ✓2 reward points per ₹100 on all other spends
- ✓10,000 welcome reward points on card issuance
SBI Card ELITE
SBI Card
10.00%
on groceries
- ✓Unlimited international Priority Pass lounge access
- ✓10X rewards on dining, grocery, and entertainment
- ✓10,000 welcome reward points worth ₹2,500
SBI Card PRIME
SBI Card
10.00%
on groceries
- ✓10X rewards on dining, grocery, and entertainment
- ✓5X on travel and departmental stores
- ✓4 domestic lounge visits per quarter
SBI SimplySAVE Credit Card
SBI Card
10.00%
on groceries
- ✓10X reward points on dining, grocery, and movies
- ✓2,000 bonus reward points on first spend milestone
- ✓Fuel surcharge waiver up to ₹100/month
RBL Bank Shoprite Credit Card
RBL Bank
5.00%
on groceries
- ✓5X reward points on grocery and supermarket spends
- ✓1 reward point per ₹100 on all other spends
- ✓1% fuel surcharge waiver
IDFC First Power+ Credit Card
IDFC FIRST Bank
5.00%
on groceries
- ✓6.5% rewards on HPCL fuel purchases (up to ₹10,000/month)
- ✓5% rewards on grocery and utility bill payments
- ✓Complimentary domestic airport lounge access (4 visits/year)
IDFC First Power Credit Card
IDFC FIRST Bank
5.00%
on groceries
- ✓6.5% rewards on HPCL fuel spends (up to ₹10,000/month)
- ✓5% rewards on grocery and utility bill payments
- ✓5% rewards on FASTag recharges (up to ₹1,000/month)
SBI Card BPCL Octane
SBI Card
5.00%
on groceries
- ✓25X reward points on BPCL fuel — 7.25% effective savings
- ✓6,000 welcome reward points worth ₹1,500 on joining
- ✓1 domestic lounge visit per quarter
Standard Chartered Manhattan Credit Card
Standard Chartered Bank
5.00%
on groceries
- ✓5% cashback at supermarkets, capped at 500/month
- ✓5,000 bonus reward points on card setup
- ✓3 reward points per 150 on all other spends
IndianOil HDFC Bank Credit Card
HDFC Bank
5.00%
on groceries
- ✓5% fuel points at IndianOil outlets, up to 50 litres of free fuel annually
- ✓5% fuel points on groceries and bill payments (capped per category)
- ✓1 fuel point per 150 on all other spends including UPI
AU Vetta Credit Card
AU Small Finance Bank
4.00%
on groceries
- ✓4 reward points per ₹100 on grocery spends
- ✓2 reward points per ₹100 on all other retail spends
- ✓Complimentary domestic and international lounge access (8 visits/year)
SBI Card Flipkart
SBI Card
4.00%
on groceries
- ✓5% cashback on Flipkart, Myntra, and Flipkart grocery
- ✓4% on preferred partners (Swiggy, PVR, Cleartrip)
- ✓₹500 Flipkart joining voucher
Axis Bank ACE Credit Card
Axis Bank
4.00%
on groceries
- ✓2% flat cashback on all spends via Google Pay / PhonePe
- ✓4% cashback on Swiggy, Zomato, and Ola
- ✓5% cashback on utility bill payments via Google Pay
IDFC FIRST Earn Credit Card
IDFC FIRST Bank
3.00%
on groceries
- ✓FD-backed credit card — credit limit based on fixed deposit
- ✓5% cashback on online shopping (capped ₹500/month)
- ✓3% on groceries and fuel
SBI Card SPRINT
SBI Card
3.00%
on groceries
- ✓5% cashback on fuel at all petrol pumps
- ✓3% cashback on grocery purchases
- ✓Fuel surcharge waiver up to ₹100/month
AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank
2.50%
on groceries
- ✓Premium super-premium card with 3% base reward rate on all spends
- ✓20 points per 100 (5%) on standalone restaurant dining
- ✓8 domestic and 8 international lounge visits annually via Priority Pass
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
2.00%
on groceries
- ✓FD-backed secured credit card — guaranteed approval
- ✓Lifetime free — zero annual and joining fee
- ✓3X rewards on online shopping and dining
HDFC Bank RuPay Platinum Credit Card
HDFC Bank
2.00%
on groceries
- ✓Lifetime free RuPay credit card
- ✓UPI credit payments via PhonePe, Google Pay, BHIM
- ✓2X rewards on grocery and online shopping
IndusInd Bank Platinum RuPay Credit Card
IndusInd Bank
2.00%
on groceries
- ✓Lifetime free RuPay credit card
- ✓Works on UPI for seamless payments
- ✓2X rewards on grocery and online shopping
AU Small Finance Bank Altura Credit Card
AU Small Finance Bank
2.00%
on groceries
- ✓Low joining and annual fee of just 199, easily waivable
- ✓2% cashback on groceries, departmental stores and utility bills (capped 50/month)
- ✓8 complimentary railway lounge visits per year
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