CardAgent

Best credit cards for grocery shopping in India (2026)

Best cards for grocery — online (Big Basket, Blinkit, Zepto, Instamart) and offline (DMart, Reliance Fresh, More).

  1. 1
    HDFC Bank
    Swiggy HDFC Bank Credit Card
    10% on Grocery₹590/yr incl. GST
    1.5% groceries (estimated)
    88
  2. 2
    HSBC India
    HSBC Live+ Credit Card
    10% on GroceryCap ₹1,000/mo₹1,179/yr incl. GST
    10% accelerated cashback on groceries. Combined cap with dining.
    78
  3. 3
    HDFC Bank
    Tata Neu Infinity HDFC Credit Card
    5% on Grocery₹1,769/yr incl. GST
    5% NeuCoins on Tata brands
    68
  4. 4
    Kotak Mahindra Bank
    Kotak Cashback+ Credit Card
    5% on GroceryCap ₹750/mo₹885/yr incl. GST
    Includes online grocery delivery. Combined cap with food and entertainment.
    49
  5. 5
    Standard Chartered
    Standard Chartered Manhattan Platinum Credit Card
    5% on Grocery₹1,179/yr incl. GST
    43
  6. 6
    Standard Chartered
    Standard Chartered Manhattan Credit Card
    5% on GroceryCap ₹500/mo₹1,179/yr incl. GST
    5% cashback directly applying to supermarket buys executed locally
    36
  7. 7
    Axis Bank
    Axis Bank Value+ Debit Card
    5% on GroceryCap ₹150/mo₹885/yr incl. GST
    5% cashback on grocery (MCC 5411) spends ≥₹2,000/transaction; capped ₹150/month; credited within 90 days.
    27
  8. 8
    HDFC Bank
    Infinia Credit Card
    3.33% on Grocery₹14,750/yr incl. GST
    1.5% groceries (estimated)
    84

How we rank

We compute an effective % back for each card's Grocery reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Do these cards work on DMart?

Cards with an unrestricted 'grocery' category earn on DMart POS; cards restricted to 'online grocery' only earn on delivery apps.

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