Best credit cards for groceries in India
Ranked for ₹12,000 a month on groceries and quick-commerce apps plus everyday spending.
1. HSBC Live+ Credit Card
₹999 a year + GST · about ₹15,300 a year after fees on this spending.
One of the best everyday cashback cards if you spend roughly ₹10,000–12,000 a month on food, groceries, shopping and bills, because 10% back on that alone covers the fee many times over. If most of your spending is on Amazon or Flipkart, or abroad, look elsewhere.
2. Scapia Federal Bank Credit Card
Lifetime free · about ₹4,080 a year after fees on this spending.
A strong free card for anyone who travels, especially abroad, because it charges no forex markup and pays about 2% in travel coins on everyday spends. If you never book trips, the coins are hard to use, so a plain cashback card will suit you better.
3. BPCL SBI Card OCTANE
₹1,499 a year + GST · about ₹3,810 a year after fees on this spending.
Worth it if you fill up at BPCL every month and also eat out or buy groceries on the card, since the welcome points pay for the fee in year one. Light drivers or people who use other fuel brands will get little from it.
4. Airtel Axis Bank Credit Card
₹500 a year + GST · about ₹3,600 a year after fees on this spending.
Useful for Airtel customers who also put ₹15,000 to ₹25,000 a month of regular spending on the card, which unlocks the bill cashback. If you only want it for bills, the April 2026 caps make it far less rewarding.
5. Amazon Pay ICICI Bank Credit Card
Lifetime free · about ₹2,520 a year after fees on this spending.
A near-automatic pick for anyone who shops on Amazon and has Prime: it costs nothing and the 5% has no cap. If you rarely use Amazon, the 1% elsewhere and the growing list of excluded categories make it an average card.
6. Standard Chartered Smart Credit Card
₹499 a year + GST · about ₹2,520 a year after fees on this spending.
A simple, cheap card if you want a flat 2% on everything you buy online without chasing partner brands. Heavy spenders will hit the ₹1,500-a-cycle total cap, and the ₹2,500 minimum before you can redeem can be annoying.
7. HDFC Bank Millennia Credit Card
₹1,000 a year + GST · about ₹2,280 a year after fees on this spending.
A simple, low-cost cashback card for people who shop and order food online on the big Indian apps. It suits monthly online spends up to about ₹20,000; beyond that the caps bite and a card with higher caps will earn more. Skip it if you travel abroad or want lounge access.