Top 10 Grocery Credit Cards (2026) Compared
Verified specs, published fees, and actual standout earn rates.
| Rank | Credit Card | Annual Fee | Key Standout / Rewards | Lounge Visits | Review |
|---|---|---|---|---|---|
| #1 |  Airtel Axis Bank Credit CardAxis Bank | ₹500Waived at ₹2.0L | 10.0% effective earn on groceries | None | Full Review |
| #2 | ₹999Waived at ₹2.0L | 10.0% effective earn on groceries | 2/yr | Full Review | |
| #3 | ₹499Waived at ₹2.0L | 10.0% effective earn on groceries | 10/yr | Full Review | |
| #4 |  Federal Bank Paisabazaar Paisaback Credit CardFederal Bank | ₹500Waived at ₹1.5L | 7.5% effective earn on groceries | None | Full Review |
| #5 |  ICICI HPCL Super Saver Credit CardICICI Bank | ₹500Waived at ₹1.5L | 5.0% effective earn on groceries | None | Full Review |
| #6 |  RBL ShopRite Credit CardRBL Bank | ₹500Waived at ₹1.5L | 5.0% effective earn on groceries | None | Full Review |
| #7 |  Jalsa Credit CardRBL Bank | ₹999 | 5.0% effective earn on groceries | None | Full Review |
| #8 |  Manhattan Credit CardStandard Chartered Bank | ₹999Waived at ₹1.2L | 5.0% effective earn on groceries | None | Full Review |
| #9 |  Dhanlaxmi Bank Dhan Namaste Credit CardDhanlaxmi Bank | ₹400Waived at ₹0.5L | 5.0% effective earn on groceries | None | Full Review |
| #10 |  Dhanlaxmi Bank Dhan Vriddhi Credit CardDhanlaxmi Bank | ₹400Waived at ₹0.5L | 5.0% effective earn on groceries | 2/yr | Full Review |
Why These Top 10 Cards Won Our 2026 Evaluation
Data-driven reasons behind each card's placement, highlighting real net value after fees.
Annual fee waived on ₹2.0L annual spend. Delivers 10% accelerated cashback on dining & food delivery and grocery shopping.
Annual fee waived on ₹2.0L annual spend. Delivers 10% accelerated cashback on dining & food delivery and grocery shopping.
Annual fee waived on ₹2.0L annual spend. Delivers 10% accelerated cashback on dining & food delivery and grocery shopping.
Annual fee waived on ₹1.5L annual spend. Delivers 7.5% accelerated cashback on grocery shopping.
Annual fee waived on ₹1.5L annual spend. Delivers 5% accelerated cashback on grocery shopping and utility bill payments.
Annual fee waived on ₹1.5L annual spend. Offers 20X reward acceleration on grocery shopping.
Verified data directly sourced from official issuer Most Important Terms and Conditions (MITC).
Annual fee waived on ₹1.2L annual spend. Delivers 5% accelerated cashback on grocery shopping.
Annual fee waived on ₹0.5L annual spend. Delivers 5% accelerated cashback on grocery shopping.
Annual fee waived on ₹0.5L annual spend. Delivers 5% accelerated cashback on grocery shopping.
How We Rank: Grocery Credit Cards Methodology
Zero Sponsored Placements
We do not accept commercial payments to rank one card above another. Every card is evaluated purely by audited math, official fees, and reward caps.
Honest Fee & Cap Deductions
Banks frequently market headline rates that are capped monthly. We apply these caps and deduct renewal fees to surface true net returns.
Verified MITC Policy Audits
Exclusion lists (fuel, rent, utility, insurance) and spend-gated requirements are audited directly from official Key Fact Statements (KFS).
Frequently Asked Questions: Grocery Credit Cards
Common questions answered objectively using official Reserve Bank of India (RBI) and issuer rules.
Which is the best grocery credit cards in India for 2026?
Based on verified data and net reward value, Airtel Axis Bank Credit Card ranks #1 in our 2026 assessment, closely followed by HSBC Live+ Credit Card. Rankings account for base rewards, category accelerators, annual fees, and hidden exclusion policies.
How are credit cards ranked on this page?
Our rankings are 100% algorithmic and objective. We calculate the honest net annual return based on verified issuer fee schedules, published category caps, and exclusion lists, without commercial bias or sponsored placements.
Can the annual fee be waived on these cards?
Most fee-charging cards include an annual spend waiver milestone (typically ₹1 Lakh to ₹4 Lakhs). Achieving this cumulative annual spend automatically waives the renewal fee for the subsequent membership year.
Are credit card rewards and cashback taxable in India?
Direct cashback credited against credit card statement bills is treated as a post-purchase discount or rebate, which is not taxable under the Indian Income Tax Act. Reward points converted to air miles or statement credits are similarly treated as consumer purchase discounts rather than taxable income.
Explore All 83 Grocery Credit Cards
Filter and compare every eligible card by annual fee, bank, and reward features.
Best Grocery Credit Cards in India 2026
Cards that actually earn on supermarket and grocery spends, ranked with monthly caps applied honestly. We compared 83 credit cards (including 10 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
HSBC RuPay Cashback Credit Card
Annual Fee
₹499
Headline Rate
10% on dining
Federal Bank Paisabazaar Paisaback Credit Card
Annual Fee
₹500
Headline Rate
7.5% on groceries
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
Jalsa Credit Card
Annual Fee
₹999
Headline Rate
5% on dining
Manhattan Credit Card
Annual Fee
₹999
Headline Rate
5% on groceries
Dhanlaxmi Bank Dhan Namaste Credit Card
Annual Fee
₹400
Headline Rate
5% on groceries
Dhanlaxmi Bank Dhan Vriddhi Credit Card
Annual Fee
₹400
Headline Rate
5% on groceries
Dhanlaxmi Bank Dhan Samriddhi Credit Card
Annual Fee
₹800
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
Platinum Maxima Credit Card
Annual Fee
₹2,000
Headline Rate
10x on dining
RBL Bank BankBazaar SaveMax Pro 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
South Indian Bank SBI Platinum Card
Annual Fee
₹2,999
Headline Rate
10x on dining
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
South Indian Bank SimplySAVE SBI 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
RBL Bank BankBazaar SaveMax Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
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
PhonePe SBI Card SELECT BLACK
Annual Fee
₹1,499
Headline Rate
5x on online
PhonePe SBI Card PURPLE
Annual Fee
₹499
Headline Rate
2x on online
Eternal SBI Card
Annual Fee
₹499
Headline Rate
1% on dining
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
RBL Bank Paisabazaar Duet Credit Card
Annual Fee
Free
Headline Rate
1% on online
RBL Bank Paisabazaar Duet Plus Credit Card
Annual Fee
₹1,499
Headline Rate
2.5% on dining
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
Karur Vysya SBI Gold Card
Annual Fee
₹499
Headline Rate
2.5x on dining
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
Suryoday SFB Stable Money RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Select Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
Google Pay Flex SBI Card
Annual Fee
₹499
Headline Rate
0.4x on online
IndianOil Axis Bank Premium Credit Card
Annual Fee
₹1,000
Headline Rate
6x on fuel
Karur Vysya SBI Platinum Card
Annual Fee
₹2,999
Headline Rate
1.25x on dining
Karur Vysya SBI Signature Card
Annual Fee
₹4,999
Headline Rate
1.25x on dining
Axis Bank Select Credit Card
Annual Fee
₹3,000
Headline Rate
1x on groceries
BOBCARD Ujjivan SFB Platinum Credit Card
Annual Fee
Free
Headline Rate
1x on other
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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