Best Grocery Credit Cards in India 2026
Cards that actually earn on supermarket and grocery spends, ranked with monthly caps applied honestly. We compared 60 credit cards (including 5 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
Airtel Axis Bank Credit Card
10.0% effective earn on groceries
Airtel Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on utilities
HSBC Live+ Credit Card
Annual Fee
₹999
Headline Rate
10% on dining
ICICI HPCL Super Saver Credit Card
Annual Fee
₹500
Headline Rate
0% on fuel
RBL ShopRite Credit Card
Annual Fee
₹500
Headline Rate
20x on groceries
Manhattan Credit Card
Annual Fee
₹999
Headline Rate
5% on groceries
AU Xcite Credit Card
Annual Fee
₹249
Headline Rate
15x on dining
AU Xcite Ace Credit Card
Annual Fee
₹749
Headline Rate
3% on online
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
ANQ Phi Credit Card
Annual Fee
₹499
Headline Rate
12x on travel
HDFC MoneyBack+ Credit Card
Annual Fee
₹500
Headline Rate
10x on amazon
IndianOil HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on fuel
SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
BPCL SBI Card OCTANE
Annual Fee
₹1,499
Headline Rate
1x on fuel
RBL Bank Platinum Maxima Plus Credit Card
Annual Fee
₹2,500
Headline Rate
10x on dining
RBL Bank Patanjali Vishisht Credit Card
Annual Fee
₹499
Headline Rate
10x on groceries
RBL Bank Patanjali Swarn Credit Card
Annual Fee
₹1,499
Headline Rate
10x on groceries
Bank of Maharashtra SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
UCO Bank SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
PSB SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
PSB SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
AU Altura Credit Card
Annual Fee
₹199
Headline Rate
2% on groceries
IndianOil Kotak Credit Card
Annual Fee
₹449
Headline Rate
4% on fuel
UCO Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
PSB Simply SAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Karnataka Bank SimplySave SBI Credit Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Tata Neu Infinity HDFC Bank Credit Card
Annual Fee
₹1,499
Headline Rate
1.5% on groceries
SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
BPCL SBI Card
Annual Fee
₹499
Headline Rate
13x on fuel
Shaurya SBI Card
Annual Fee
₹250
Headline Rate
5x on dining
Shaurya Select SBI Card
Annual Fee
₹1,499
Headline Rate
5x on dining
AU LIT Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
AU Zenith Credit Card
Annual Fee
₹7,999
Headline Rate
5x on dining
AU Laksya Credit Card
Annual Fee
₹1,000
Headline Rate
5x on groceries
IDFC FIRST Power+ Credit Card
Annual Fee
₹499
Headline Rate
5x on fuel
IndusInd Jio-bp Mobility+ Credit Card
Annual Fee
Free
Headline Rate
12x on fuel
Bank of Maharashtra SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
Equitas Selfe Credit Card
Annual Fee
₹1,000
Headline Rate
3.5x on dining
ICICI Emeralde Private Metal Credit Card
Annual Fee
₹12,499
Headline Rate
3x on groceries
ICICI Expressions Credit Card
Annual Fee
₹499
Headline Rate
1x on utilities
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
RBL Bank Aspire Banking Credit Card
Annual Fee
₹1,500
Headline Rate
1% on travel
Bandhan Bank Ignite Credit Card
Annual Fee
₹999
Headline Rate
4x on groceries
Union UNICORN RuPay Credit Card
Annual Fee
₹2,400
Headline Rate
4x on online
HDFC Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Headline Rate
3.33x on dining
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12,500
Headline Rate
3.33x on travel
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Headline Rate
3x on groceries
IDFC FIRST LIC Classic Credit Card
Annual Fee
Free
Headline Rate
4.8x on insurance
HDFC Regalia Gold Credit Card
Annual Fee
₹2,500
Headline Rate
2.5x on online
ICICI Bank Coral Credit Card
Annual Fee
₹500
Headline Rate
1x on utilities
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3,500
Headline Rate
4x on other
Ultimate Credit Card
Annual Fee
₹5,000
Headline Rate
2x on utilities
Suryoday SFB RuPay Platinum Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB RuPay Select Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
IndianOil Axis Bank Premium Credit Card
Annual Fee
₹1,000
Headline Rate
6x on fuel
Axis Bank Select Credit Card
Annual Fee
₹3,000
Headline Rate
1x on groceries
IndiGo Axis Bank Credit Card
Annual Fee
₹799
Headline Rate
1x on travel
IndiGo Axis Bank Premium Credit Card
Annual Fee
₹5,000
Headline Rate
3x on travel
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