CardTrail

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Best Credit Card for Blinkit in India (2026)

Quick answer:

RBL ShopRite Credit Card gives you up to 5% back on quick grocery and essentials delivery — 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 Blinkit

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 Blinkit using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Blinkit (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Blinkit 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 Blinkit

→

Blinkit transactions code as 'Online Shopping' on most cards

→

Smaller, frequent orders still earn rewards — no minimum transaction usually

→

Consider cards with no reward cap for daily quick-commerce purchases

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 quick grocery and essentials delivery

Score: 7.8/10

Best Overall

RBL ShopRite Credit Card

RBL · ₹500 annual fee

Up to 5% on quick grocery and essentials delivery

Score: 6.7/10

Cards to Avoid for Blinkit

These are popular, well-rated cards that earn only their base reward rate on quick grocery and essentials delivery. If you carry one of these, use a different card for Blinkit purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on quick grocery and essentials delivery

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on quick grocery and essentials delivery

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on quick grocery and essentials delivery

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on quick grocery and essentials delivery

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on quick grocery and essentials delivery

These are great cards for other spending categories — just not for quick grocery and essentials delivery. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Zepto Best for BigBasket Best for Swiggy

Frequently Asked Questions

Which credit card gives the highest cashback on Blinkit?
RBL ShopRite Credit Card from RBL gives up to 5% back on quick grocery and essentials delivery. 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 Blinkit?
Yes — YES BANK POP-CLUB Credit Card is a free card (₹0 annual fee) that earns up to 10% on quick grocery and essentials delivery. CardTrail Score: 7.8/10.
How do credit card rewards work on Blinkit?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Blinkit 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 Blinkit?
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 quick grocery and essentials delivery. Use a category-matched card instead.

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