🥬
Best Credit Card for Grocery Shopping in India (2026)
Quick answer:
RBL ShopRite Credit Card gives you up to 5% back on supermarket, kirana, and online grocery purchases — the highest of any card we track. YES BANK POP-CLUB Credit Card is the best free alternative.
Key insight
Grocery spending is the most consistent monthly expense. A card earning even 2% more on ₹8,000/month groceries saves ₹1,920 per year — enough for a free month of groceries.
Top 10 Cards for Grocery Shopping
RBL ShopRite Credit Card
RBLUp to 5% — directly optimised for groceries
Flipkart Axis Bank Super Elite Credit Card
AxisUp to 16% on online shopping (best on flipkart)
HDFC Tata Neu Infinity
HDFCUp to 10% on online shopping (best on tata neu)
Axis Citi Rewards Credit Card
Axis (formerly Citi)Up to 10% on online shopping
HSBC Cashback Credit Card
HSBCUp to 10% on online shopping
American Express SmartEarn Credit Card
American ExpressUp to 10% on online shopping
SimplyCLICK Advantage SBI Card
SBIUp to 10% on online shopping
YES BANK POP-CLUB Credit Card
YES BankUp to 10% on online shopping
Titan SBI Credit Card
SBIUp to 7.5% on shopping
Myntra Kotak Credit Card
KotakUp to 7.5% on shopping (best on myntra)
How We Ranked These
We ranked all 239 credit cards in our database against Grocery Shopping using three tiers of relevance:
- Direct match — cards specifically designed for or partnered with Grocery Shopping (co-branded cards, direct accelerated rewards)
- Category match — cards that earn accelerated rewards on the spending category that Grocery Shopping falls under
- 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.
The Math: How Much Can You Actually Earn?
| Monthly spend | RBL ShopRite Credit Card | Flipkart Axis Bank Sup… | HDFC Tata Neu Infinity |
|---|---|---|---|
| ₹5.0K/mo | ₹3.0K/yr | ₹9.6K/yr | ₹6.0K/yr |
| ₹15.0K/mo | ₹9.0K/yr | ₹28.8K/yr | ₹18.0K/yr |
| ₹30.0K/mo | ₹18.0K/yr | ₹57.6K/yr | ₹36.0K/yr |
Assumes consistent monthly spending at the card's maximum reward rate for the matching category. Actual returns may vary based on reward caps, tier structures, and point redemption value.
Common Pitfalls to Watch For
Physical supermarkets (D-Mart, Star Bazaar) code under 'Grocery Stores' MCC — different from online grocery apps
Quick-commerce apps (Blinkit, Zepto) usually code as 'Online Shopping', not 'Grocery'
Small kirana stores may not have card terminals — this category favours organised retail and online platforms
Free vs Paid: Is the Annual Fee Worth It?
Best Free Card
YES BANK POP-CLUB Credit CardYES Bank · ₹0 annual fee
Up to 10% on supermarket, kirana, and online grocery purchases
Score: 7.8/10
Best Overall
RBL ShopRite Credit CardRBL · ₹500 annual fee
Up to 5% on supermarket, kirana, and online grocery purchases
Score: 6.7/10
Cards to Avoid for Grocery Shopping
These are popular, well-rated cards that earn only their base reward rate on supermarket, kirana, and online grocery purchases. If you carry one of these, use a different card for Grocery Shopping purchases.
IDFC FIRST · Score: 9/10 — but only 0.5% on supermarket, kirana, and online grocery purchases
American Express · Score: 8.7/10 — but only 1.25% on supermarket, kirana, and online grocery purchases
IndusInd · Score: 8.7/10 — but only 1.2% on supermarket, kirana, and online grocery purchases
HDFC · Score: 8.7/10 — but only 1% on supermarket, kirana, and online grocery purchases
IDFC FIRST · Score: 8.7/10 — but only 0.75% on supermarket, kirana, and online grocery purchases
These are great cards for other spending categories — just not for supermarket, kirana, and online grocery purchases. Use the top-ranked card above instead.
Related: Best Cards for Similar Spending
Frequently Asked Questions
Which credit card gives the highest cashback on Grocery Shopping?
Is there a no-annual-fee credit card good for Grocery Shopping?
How do credit card rewards work on Grocery Shopping?
Which popular credit cards should I avoid using for Grocery Shopping?
Found this useful?
Get notified when card rules change, benefits get devalued, or new cards launch. One email, only when it matters.