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Best credit card for groceries in India

Updated 30 September 2026

On groceries, Standard Chartered DigiSmart Credit Card on Blinkit gives 10% back, capped at Rs 1,000 per month shared with that card's other rewards; Axis MY Zone Easy Credit Card on Amazon Fresh gives 10% back and Axis SELECT Credit Card on BigBasket gives Flat Rs 500 off. Rates differ by merchant inside this category, and the cap usually matters more than the rate, so check the merchant page before you pay.

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Card offers

Showing the 25 highest value of 119 offers.

AU Altura Credit Card at Supertails

AU Small Finance Bank
up to 15% back, depending on what you buyEstimate
Cap
No cap we could read
Minimum
Rs 1,500
Valid
Valid until 31 December 2026

Visa T&Cs: Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merc…

In the published termsFlat 15% Off, Flat 15% Off up to 250 on MOV of 1500 How to redeem: Click on Redeem Now Copy the coupon Code. Visit Website Add products to…

Published by AU Small Finance Bank · Read on 31 Aug 2026 · Source ↗

Standard Chartered DigiSmart Credit Card at Blinkit

Standard Chartered
10% backEstimate
Cap
Rs 1,000 per month
Valid
No end date published
Where
Online

Valid for up to 5 transactions per calendar month

In the published termsYou can avail an instant discount of 10%, which is subjected to a maximum discount of INR 1000, per calendar month, on Blinkit app or website using the Standard Chartered DigiSmart credit card. As a cardholder, you will be eligible for the discount during 5 transactions each calendar month…

Published by Standard Chartered · Read on 14 Jul 2026 · Source ↗

Axis MY Zone Easy Credit Card at Amazon Fresh

Axis Bank
10% backLikely
Cap
No cap we could read
Valid
No end date published

Wednesday Delight offer.

In the published terms10% off on orders via Amazon Fresh

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

Axis SELECT Credit Card at BigBasket

Axis Bank
Flat Rs 500 offLikely
Cap
No cap we could read
Minimum
Rs 2,500
Valid
No end date published
Where
Online

Applicable once per month per user. Offer applicable on transactions done through Select Credit Card via mobile app/website.

In the published termsFlat ₹500 off p.m. on minimum purchase of ₹2500 on BigBasket mobile app/website

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

RBL Platinum ShopDaily Credit Card

RBL Bank
up to 5% back, depending on what you buyEstimate
Cap
Rs 250 per month
Valid
No end date published

Cashback will be credited in form of reward points. Redeem on rblrewards.rbl.bank.in

In the published terms5% Cashback^^ on all Grocery spends (up to INR 250 per month)

Published by RBL Bank · Read on 10 Aug 2026 · Source ↗

AU Laksya Credit Card at Amazon

AU Small Finance Bank
up to 15% back, depending on what you buyEstimate
Cap
Rs 250 per month
Minimum
Rs 500
Valid
No end date published
Where
Online

max cashback ₹250 per month, minimum transaction ₹500, once per month

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsEarn up to 15% instant discount on groceries via Amazon Fresh, on food delivery via Zomato

Published by AU Small Finance Bank · Read on 10 Aug 2026 · Source ↗

HSBC RuPay Platinum Credit Card at Swiggy Instamart

HSBC
10% backLikely
Cap
Rs 200
Minimum
Rs 500
Valid
No end date published

T&Cs apply

In the published termsEnjoy 10% off on orders of INR500 and above (max discount INR200) using coupon code HSBCRUPAY

Published by HSBC · Read on 10 Aug 2026 · Source ↗

HSBC Live+ Credit Card at Zepto

HSBC
Flat Rs 100 offLikely
Cap
Rs 100
Minimum
Rs 999
Valid
Valid until 31 December 2026
In the published termsGet INR 100 off when you spend INR 999 or more

Published by HSBC · Read on 31 Aug 2026 · Source ↗

Axis RuPay Credit Card at IndiGo

Axis Bank
2 reward points per Rs 100Estimate
Cap
No cap we could read
Valid
No end date published

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsAccelerated rewards up to 2 IndiGo BluChips per Rs.100 on Grocery spends

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

AU Altura Plus Credit Card at Supertails

AU Small Finance Bank
up to 15% back, depending on what you buyEstimate
Cap
No cap we could read
Minimum
Rs 1,500
Valid
Valid until 31 December 2026

Visa T&Cs: Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merc…

In the published termsFlat 15% Off, Flat 15% Off up to 250 on MOV of 1500 How to redeem: Click on Redeem Now Copy the coupon Code. Visit Website Add products to…

Published by AU Small Finance Bank · Read on 31 Aug 2026 · Source ↗

Axis RuPay Credit Card at Blinkit

Axis Bank
10% backLikely
Cap
No cap we could read
Valid
No end date published
In the published terms10%* off on Blinkit and BookMyShow*

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

Axis Aura Credit Card at Amazon Fresh

Axis Bank
10% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

Every Wednesday

In the published terms10% off on orders via Swiggy and Amazon Fresh

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IDBI Royale Signature Credit Card at BigBasket

IDBI Bank
up to 15% back, depending on what you buyEstimate
Cap
Rs 150 per month
Minimum
Rs 599
Valid
No end date published

Once per card per month; usable only 1st to 25th of every. Taxes additional; discount computed on net order amount

In the published terms15% Instant discount up to ₹150/

Published by IDBI Bank · Read on 31 Aug 2026 · Source ↗

RBL Platinum LifeEasy Credit Card

RBL Bank
5% backEstimate
Cap
Rs 200 per month
Valid
No end date published

Cashback will be credited in form of reward points. Redeem on rblrewards.rbl.bank.in

In the published termsGet 5% Cashback on Grocery spends (INR 200 per month)

Published by RBL Bank · Read on 10 Aug 2026 · Source ↗

IDBI Royale Signature Credit Card at Swiggy Instamart

IDBI Bank
up to 15% back, depending on what you buyEstimate
Cap
Rs 150 per month
Minimum
Rs 799
Valid
No end date published

Once per card per month till the offer period. Excludes Card/Cash on Delivery, Wallets, Mobile Banking, Net Banking and UPI; selected products only…

In the published terms15% Instant discount up to Rs. 150/

Published by IDBI Bank · Read on 31 Aug 2026 · Source ↗

HSBC Premier Credit Card at Zepto

HSBC
Flat Rs 100 offLikely
Cap
Rs 100
Minimum
Rs 999
Valid
Valid until 31 December 2026
In the published termsGet INR 100 off when you spend INR 999 or more

Published by HSBC · Read on 31 Aug 2026 · Source ↗

AU Ananta Credit Card at Supertails

AU Small Finance Bank
up to 15% back, depending on what you buyEstimate
Cap
No cap we could read
Minimum
Rs 1,500
Valid
Valid until 31 December 2026

Visa T&Cs: Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merc…

In the published termsFlat 15% Off, Flat 15% Off up to 250 on MOV of 1500 How to redeem: Click on Redeem Now Copy the coupon Code. Visit Website Add products to…

Published by AU Small Finance Bank · Read on 31 Aug 2026 · Source ↗

SBI Card ELITE Advantage at Blinkit

SBI Card
Flat Rs 600 offEstimate
Cap
Cap stated in the terms below
Valid
No end date published

American Express offer

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsGet up to Rs.600 instant discount at Blinkit

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

Axis Freecharge Credit Card at Amazon Fresh

Axis Bank
10% backLikely
Cap
No cap we could read
Valid
No end date published

Wednesday Delight offer

In the published terms10% off on orders via Swiggy and Amazon Fresh

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IDBI Euphoria World Credit Card at BigBasket

IDBI Bank
up to 15% back, depending on what you buyEstimate
Cap
Rs 150 per month
Minimum
Rs 599
Valid
No end date published

Once per card per month; usable only 1st to 25th of every. Taxes additional; discount computed on net order amount

In the published terms15% Instant discount up to ₹150/

Published by IDBI Bank · Read on 31 Aug 2026 · Source ↗

IndianOil Premium Axis Bank Credit Card

Axis Bank
2 EDGE MILES on every ₹150 spent on Grocery & Supermarket spendsEstimate
Cap
33 miles per month
Valid
No end date published

2 EDGE MILES per Rs 150 applies on Grocery and Supermarket spends up to Rs 5,000 per statement month, capped at 33 EDGE MILES. Above that, 1 EDGE MILE per Rs 150.

In the published termsEarn 2 EDGE MILES on every ₹150 spent on Grocery & Supermarket spends. Transact up to ₹5,000 per month

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IDBI Euphoria World Credit Card at Swiggy Instamart

IDBI Bank
up to 15% back, depending on what you buyEstimate
Cap
Rs 150 per month
Minimum
Rs 799
Valid
No end date published

Once per card per month till the offer period. Excludes Card/Cash on Delivery, Wallets, Mobile Banking, Net Banking and UPI; selected products only…

In the published terms15% Instant discount up to Rs. 150/

Published by IDBI Bank · Read on 31 Aug 2026 · Source ↗

HSBC RuPay Cashback Credit Card at Zepto

HSBC
Flat Rs 100 offLikely
Cap
Rs 100
Minimum
Rs 999
Valid
Valid until 31 December 2026
In the published termsGet INR 100 off when you spend INR 999 or more

Published by HSBC · Read on 31 Aug 2026 · Source ↗

AU CheQ Credit Card at Supertails

AU Small Finance Bank
up to 15% back, depending on what you buyEstimate
Cap
No cap we could read
Minimum
Rs 1,500
Valid
Valid until 31 December 2026

Visa T&Cs: Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merc…

In the published termsFlat 15% Off, Flat 15% Off up to 250 on MOV of 1500 How to redeem: Click on Redeem Now Copy the coupon Code. Visit Website Add products to…

Published by AU Small Finance Bank · Read on 31 Aug 2026 · Source ↗

SBI Card ELITE at Blinkit

SBI Card
Flat Rs 600 offEstimate
Cap
Cap stated in the terms below
Valid
No end date published

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsGet up to Rs.600 instant discount at Swiggy, Zomato and Blinkit

Published by SBI Card · Read on 10 Aug 2026 · Source ↗

Card privileges

All 4 offers.

Memberships and perks a card includes. Not a discount on this purchase.

Axis Miles and More Credit Card at Amazon Fresh

Axis Bank
10% off on Amazon Fresh orders on WednesdaysLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

Wednesday Delights

In the published terms10% off on orders via Swiggy and Amazon Fresh

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

RBL Titanium Delight Credit Card

RBL Bank
Earn 10 reward points for every INR 100 spent on grocery shopping on WednesdaysEstimate
Cap
1,000 points per month
Valid
No end date published

Maximum of 1,000 reward points per month

In the published termsEarn 10 reward points for every INR 100 spent on grocery shopping on Wednesdays. Maximum of 1,000 reward points per month

Published by RBL Bank · Read on 10 Aug 2026 · Source ↗

BOI RuPay Select Credit Card at BigBasket

Bank of India
BigBasket discount voucherVerified
Cap
No cap we could read
Valid
No end date published
In the published termsDiscount voucher worth INR 200 per month on BigBasket

Published by Bank of India · Read on 27 Aug 2026 · Source ↗

BOI RuPay Bharat Credit Card at BigBasket

Bank of India
BigBasket discount vouchersVerified
Cap
No cap we could read
Valid
No end date published
In the published termsDiscount vouchers worth INR 250 per quarter on BigBasket

Published by Bank of India · Read on 27 Aug 2026 · Source ↗

What makes groceries different

Groceries carry some of the smallest caps in the database. 56% of offers are capped and the median cap is Rs 100, while 72% require a minimum order with a median of Rs 999.

The numbers behind groceries

Computed from the 119 live offers that pay on groceries, read from published terms as at 30 September 2026. Welcome offers and card privileges are listed separately below and are not in these figures.

MeasureValue
Offers tracked119
Share that publish a cap56%
Median published capRs 100
Most common cap periodper month
Share with a minimum order72%
Median minimum orderRs 999
Channel, where stated12 online, 0 offline
Share stated rather than estimated53%

The mistake people make on groceries

The ratio is the problem. Spending Rs 999 to save Rs 100 is a good rate on the first order and falls to nothing on the second if the cap is monthly, which 33 of these offers are. Grocery offers reward the first shop of the month and almost nothing after it.

Also worth knowing

Quick commerce apps and supermarket chains both appear here, and they behave differently. A quick commerce offer is usually a percentage with a small monthly cap; a supermarket offer is more often tied to one chain's own stores. Check which of the two you actually shop at before choosing on the headline rate.

Conditions worth knowing

  • Visa T&Cs: Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merc…

    AU Small Finance Bank · Source ↗

  • Valid for up to 5 transactions per calendar month

    Standard Chartered · Source ↗

  • Wednesday Delight offer.

    Axis Bank · Source ↗

  • Applicable once per month per user. Offer applicable on transactions done through Select Credit Card via mobile app/website.

    Axis Bank · Source ↗

  • Cashback will be credited in form of reward points. Redeem on rblrewards.rbl.bank.in

    RBL Bank · Source ↗

  • Page states "up to" or a range: this is a maximum, not a guaranteed rate.

    AU Small Finance Bank · Source ↗

  • max cashback ₹250 per month, minimum transaction ₹500, once per month

    AU Small Finance Bank · Source ↗

  • Once per card per month; usable only 1st to 25th of every. Taxes additional; discount computed on net order amount

    IDBI Bank · Source ↗

Shops in this category

AmazonBigBasketBlinkitZepto

Related

Best credit card for online shoppingBest credit card for food deliveryBest credit card for travelBest credit card for dining

Guides

How credit card reward caps workMinimum order value, explainedOnline or offline card rates

Figures on this page are computed from AskTula's offer database as read on 30 September 2026, and describe what issuers, merchants and card networks publish. They are not a promise of what any individual card will pay.

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