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Best Credit Card for BigBasket in India (2026)

Quick answer:

RBL ShopRite Credit Card gives you up to 5% back on online grocery shopping — the highest of any card we track. YES BANK POP-CLUB Credit Card is the best free alternative.

Updated April 2026·10 cards compared·No affiliate commissions

Top 10 Cards for BigBasket

1

RBL ShopRite Credit Card

RBL

Up to 5% on groceries

Reward rateUp to 5%
Annual fee₹500
Score6.7/10
2

Axis Citi Rewards Credit Card

Axis (formerly Citi)

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹1,000
Score8.4/10
3

HSBC Cashback Credit Card

HSBC

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹999
Score8.2/10
4

American Express SmartEarn Credit Card

American Express

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹495
Score7.9/10
5

SimplyCLICK Advantage SBI Card

SBI

Up to 10% on online shopping category

Reward rateUp to 10%
Annual fee₹499
Score7.9/10
6

YES BANK POP-CLUB Credit Card

YES Bank

Up to 10% on online shopping category

Reward rateUp to 10%
Annual feeFREE
Score7.8/10
7

Titan SBI Credit Card

SBI

Up to 7.5% on shopping category

Reward rateUp to 7.5%
Annual fee₹2,999
Score8.8/10
8

Shoppers Stop Black HDFC Bank Credit Card

HDFC

Up to 7% on shopping category

Reward rateUp to 7%
Annual fee₹4,500
Score8.1/10
9

Adani One ICICI Bank Signature

ICICI

Up to 7% on shopping category

Reward rateUp to 7%
Annual fee₹5,000
Score8.1/10
10

HDFC Millennia

HDFC

Up to 5% on online shopping category

Reward rateUp to 5%
Annual fee₹1,000
Score8.7/10

How We Ranked These

We ranked all 239 credit cards in our database against BigBasket using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with BigBasket (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that BigBasket falls under
  3. Broad match — cards that earn elevated rewards on related or overlapping categories

Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.

Tips to Maximise Rewards on BigBasket

→

BigBasket falls under 'Online Shopping' MCC on most cards

→

Tata Neu ecosystem cards may offer extra benefits since BigBasket is a Tata company

→

BB Star membership + credit card rewards = significant savings on monthly groceries

Free vs Paid: Is the Annual Fee Worth It?

Best Free Card

YES BANK POP-CLUB Credit Card

YES Bank · ₹0 annual fee

Up to 10% on online grocery shopping

Score: 7.8/10

Best Overall

RBL ShopRite Credit Card

RBL · ₹500 annual fee

Up to 5% on online grocery shopping

Score: 6.7/10

Cards to Avoid for BigBasket

These are popular, well-rated cards that earn only their base reward rate on online grocery shopping. If you carry one of these, use a different card for BigBasket purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on online grocery shopping

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on online grocery shopping

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on online grocery shopping

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on online grocery shopping

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on online grocery shopping

These are great cards for other spending categories — just not for online grocery shopping. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

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Frequently Asked Questions

Which credit card gives the highest cashback on BigBasket?
RBL ShopRite Credit Card from RBL gives up to 5% back on online grocery shopping. It has a CardTrail Score of 6.7/10 with an annual fee of ₹500.
Is there a no-annual-fee credit card good for BigBasket?
Yes — YES BANK POP-CLUB Credit Card is a free card (₹0 annual fee) that earns up to 10% on online grocery shopping. CardTrail Score: 7.8/10.
How do credit card rewards work on BigBasket?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. BigBasket transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.
Which popular credit cards should I avoid using for BigBasket?
Cards like IDFC FIRST Diamond Reserve Credit Card, American Express Platinum Charge Card, IndusInd Tiger Credit Card have high overall scores but earn only their base rate (0.5% or less) on online grocery shopping. Use a category-matched card instead.

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