Best grocery credit cards in India
These cards pay elevated reward rates on grocery and supermarket spend — useful for everyday household budgets rather than occasional big-ticket purchases.
Ranked using our methodology. Want a personalized pick instead? Find my card →
Rates last verified 24 October 2026 · No bank pays us to rank higher.
Dhanlaxmi Bank
Dhan Vriddhi Credit Card
2% base reward · ₹400 annual fee
Why it's ranked here: No joining fee, low ₹400 annual fee
Dhanlaxmi Bank
Dhan Samriddhi Credit Card
2% base reward · ₹800 annual fee
Why it's ranked here: Quarterly domestic + half-yearly international lounge access
SBI Card ELITE Advantage
Visa
SBI Card
SBI Card ELITE Advantage
2% base reward · ₹4,999 annual fee
Why it's ranked here: 8 combined domestic + international lounge visits a year
Equitas Small Finance Bank
Equitas Selfe Credit Card
2% base reward · ₹1,000 annual fee
Why it's ranked here: Customizable bonus reward categories
AU Small Finance Bank
AU Bank Altura Credit Card
1.5% base reward · ₹199 annual fee
Why it's ranked here: Strong dining and grocery reward rates
HSBC India
HSBC Live+
1.5% base reward · ₹999 annual fee
Why it's ranked here: 10% cashback across everyday categories — dining, food delivery, groceries, utilities and shopping — plus 1.5% unlimited cashback on most other spends
HDFC Bank Equitas Excite Credit Card
Visa
HDFC Bank
HDFC Bank Equitas Excite Credit Card
1.33% base reward · ₹500 annual fee
Why it's ranked here: Low joining and annual fee
HDFC Bank Equitas Elegance Credit Card
Visa
HDFC Bank
HDFC Bank Equitas Elegance Credit Card
1.33% base reward · ₹1,000 annual fee
Why it's ranked here: 5x points on grocery and department-store spends
HDFC Bank
HDFC Millennia
1% base reward · ₹1,000 annual fee
Why it's ranked here: 5% CashPoints (accelerated cashback) on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow and other listed online merchants
RBL Bank
RBL Bank ShopRite
1% base reward · ₹500 annual fee
Why it's ranked here: Strong grocery cashback
Bank of India Visa Gold International Credit Card
Visa
Bank of India
Bank of India Visa Gold International Credit Card
1% base reward · ₹500 annual fee
Why it's ranked here: Low annual fee (₹300) with no separate joining fee
SBI Card
BPCL SBI Card OCTANE
1% base reward · ₹1,499 annual fee
Why it's ranked here: Up to 7.25% effective value back on BPCL fuel spends via 25x points plus surcharge waiver