Verified 2026 Guide49 Cards Ranked

Best Grocery Credit Cards in India 2026

Cards that actually earn on supermarket and grocery spends, ranked with monthly caps applied honestly. We compared 49 credit cards (including 4 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.

#1 Overall Top PickLifetime Free (₹0 Fee)

AU Small Finance Bank

CheQ AU Credit Card

Earn: 12x on amazon

12.0% effective earn on groceries

Calculate Net Value & View Benefits

Showing 49 of 49 cardsRanked by Base Earn Rate & Net Value

CheQ AU Credit Card

LTF

Annual Fee

Free

Headline Rate

12x on amazon

12.0% effective earn on groceries

Points

VISARuPay❯

Airtel Axis Bank Credit Card

Annual Fee

₹500

Headline Rate

25% on utilities

10.0% effective earn on groceries

Cashback

VISA

HSBC Live+ Credit Card

Annual Fee

₹999

Headline Rate

10% on dining

10.0% effective earn on groceries

Lounge Cashback

VISA

ICICI HPCL Super Saver Credit Card

Annual Fee

₹500

Headline Rate

5% on fuel

5.0% effective earn on groceries

Cashback

VISA

mastercard

RBL ShopRite Credit Card

Annual Fee

₹500

Headline Rate

20x on groceries

5.0% effective earn on groceries

Points

mastercardVISARuPay❯

HDFC Bank UPI RuPay Credit Card

Annual Fee

₹99

Headline Rate

3% on groceries

3.0% effective earn on groceries

Cashback

RuPay❯

HDFC MoneyBack+ Credit Card

Annual Fee

₹500

Headline Rate

2.5% on amazon

2.5% effective earn on groceries

Cashback

VISA

mastercard

IndianOil HDFC Bank Credit Card

Annual Fee

₹500

Headline Rate

5x on fuel

2.5% effective earn on groceries

Points

VISA

mastercard

RBL Bank Platinum Maxima Plus Credit Card

Annual Fee

₹2,500

Headline Rate

10x on dining

2.5% effective earn on groceries

Lounge Points

VISA

#10

RBL Bank Patanjali Vishisht Credit Card

Annual Fee

₹499

Headline Rate

10x on groceries

2.5% effective earn on groceries

Points

RuPay❯

#11

RBL Bank Patanjali Swarn Credit Card

Annual Fee

₹1,499

Headline Rate

10x on groceries

2.5% effective earn on groceries

Lounge Points

RuPay❯

#12

Central Bank of India SBI Card Prime

Annual Fee

₹2,999

Headline Rate

10x on dining

2.5% effective earn on groceries

Lounge Points

VISARuPay❯

#13

UCO Bank SBI Card PRIME

Annual Fee

₹2,999

Headline Rate

20x on utilities

2.5% effective earn on groceries

Lounge Points

VISA

#14

UCO Bank SBI Card ELITE

Annual Fee

₹4,999

Headline Rate

10x on dining

2.5% effective earn on groceries

Lounge Points

VISA

#15

PSB SBI Card PRIME

Annual Fee

₹2,999

Headline Rate

20x on utilities

2.5% effective earn on groceries

Lounge Points

VISA

#16

PSB SBI Card ELITE

Annual Fee

₹4,999

Headline Rate

10x on dining

2.5% effective earn on groceries

Lounge Points

VISA

#17

AU Altura Credit Card

Annual Fee

₹199

Headline Rate

2% on groceries

2.0% effective earn on groceries

Cashback

VISA

#18

IndianOil Kotak Credit Card

Annual Fee

₹449

Headline Rate

5% on fuel

2.0% effective earn on groceries

Cashback

VISA

mastercard

#19

Central Bank of India SimplySave SBI Card

Annual Fee

₹499

Headline Rate

6.67x on dining

1.7% effective earn on groceries

Points

VISARuPay❯

#20

UCO Bank SimplySAVE SBI Card

Annual Fee

₹499

Headline Rate

6.67x on dining

1.7% effective earn on groceries

Lounge Points

VISA

#21

PSB Simply SAVE SBI Card

Annual Fee

₹499

Headline Rate

6.67x on dining

1.7% effective earn on groceries

Points

VISA

#22

Karnataka Bank SimplySave SBI Credit Card

Annual Fee

₹499

Headline Rate

6.67x on dining

1.7% effective earn on groceries

Points

VISARuPay❯

#23

SBI Card ELITE

Annual Fee

₹4,999

Headline Rate

5x on dining

1.3% effective earn on groceries

Lounge Points

VISA

mastercardAMEX

#24

AU LIT Credit Card

LTF

Annual Fee

Free

Headline Rate

5x on groceries

1.3% effective earn on groceries

Points

VISARuPay❯

#25

AU Zenith Credit Card

Annual Fee

₹7,999

Headline Rate

5x on dining

1.3% effective earn on groceries

Lounge Points

VISARuPay❯

#26

AU Laksya Credit Card

Annual Fee

₹1,000

Headline Rate

5x on groceries

1.3% effective earn on groceries

Lounge Points

VISA

mastercard

#27

IDFC FIRST Power+ Credit Card

Annual Fee

₹499

Headline Rate

5x on fuel

1.3% effective earn on groceries

Lounge Points

RuPay❯

#28

IndusInd Jio-bp Mobility+ Credit Card

LTF

Annual Fee

Free

Headline Rate

12x on fuel

1.3% effective earn on groceries

Points

RuPay❯

#29

Central Bank of India SBI Card ELITE

Annual Fee

₹4,999

Headline Rate

5x on dining

1.3% effective earn on groceries

Lounge Points

VISARuPay❯

#30

Equitas Selfe Credit Card

Annual Fee

₹1,000

Headline Rate

3.5x on dining

1.2% effective earn on groceries

Lounge Points

VISARuPay❯

#31

ICICI Emeralde Private Metal Credit Card

Annual Fee

₹12,499

Headline Rate

3x on groceries

1.2% effective earn on groceries

Lounge Points

mastercard

#32

AU InstaPay RuPay Credit Card

LTF

Annual Fee

Free

Headline Rate

1% on groceries

1.0% effective earn on groceries

Cashback

RuPay❯

#33

Union UNICORN RuPay Credit Card

Annual Fee

₹2,400

Headline Rate

4x on online

1.0% effective earn on groceries

Lounge Points

RuPay❯

#34

HDFC Diners Club Black Metal Edition Credit Card

Annual Fee

₹10,000

Headline Rate

6.67x on dining

1.0% effective earn on groceries

Lounge Points

Diners

#35

HDFC Infinia Metal Edition Credit Card

Annual Fee

₹12,500

Headline Rate

33.33x on travel

1.0% effective earn on groceries

Lounge Points

VISA

#36

SBI Card PRIME

Annual Fee

₹2,999

Headline Rate

2.5x on dining

0.6% effective earn on groceries

Lounge Points

VISA

mastercardAMEX

#37

BPCL SBI Card OCTANE

Annual Fee

₹1,499

Headline Rate

7.25x on fuel

0.6% effective earn on groceries

Lounge Points

VISA

#38

Delhi Metro SBI Card

Annual Fee

₹499

Headline Rate

2.5x on dining

0.6% effective earn on groceries

Points

VISA

mastercardRuPay❯

#39

HDFC Regalia Gold Credit Card

Annual Fee

₹2,500

Headline Rate

12.5x on online

0.5% effective earn on groceries

Lounge Points

VISA

mastercard

#40

ICICI Bank Coral Credit Card

Annual Fee

₹500

Headline Rate

1x on utilities

0.5% effective earn on groceries

Lounge Points

VISA

mastercardAMEXRuPay❯

#41

ICICI Bank Sapphiro Credit Card

Annual Fee

₹3,500

Headline Rate

4x on other

0.5% effective earn on groceries

Lounge Points

mastercardAMEXVISARuPay❯

#42

SimplySAVE SBI Card

Annual Fee

₹499

Headline Rate

1.667x on dining

0.4% effective earn on groceries

Points

VISA

mastercardRuPay❯

#43

IndianOil Axis Bank Premium Credit Card

Annual Fee

₹1,000

Headline Rate

6x on fuel

0.4% effective earn on groceries

Points

VISA

#44

BPCL SBI Card

Annual Fee

₹499

Headline Rate

4.25x on fuel

0.3% effective earn on groceries

Points

VISA

mastercardRuPay❯

#45

Shaurya SBI Card

Annual Fee

₹250

Headline Rate

1.25x on dining

0.3% effective earn on groceries

Points

RuPay❯

#46

Shaurya Select SBI Card

Annual Fee

₹1,499

Headline Rate

1.25x on dining

0.3% effective earn on groceries

Lounge Points

RuPay❯

#47

Axis Bank Select Credit Card

Annual Fee

₹3,000

Headline Rate

1x on groceries

0.2% effective earn on groceries

Points

VISA

#48

IndiGo Axis Bank Credit Card

Annual Fee

₹799

Headline Rate

2x on travel

0.0% effective earn on groceries

Points

VISA

#49

IndiGo Axis Bank Premium Credit Card

Annual Fee

₹5,000

Headline Rate

7x on travel

0.0% effective earn on groceries

Points

VISA

Base Earn Calculation: Represents ₹ value earned per ₹100 of everyday spend at standard earn rates before milestone or category multipliers. Real Net Annual Value depends on your exact monthly spend breakdown — use any card's detail page for full calculator.

Head-to-Head Matchups