CardTrail

🏃

Best Credit Card for Zepto in India (2026)

Quick answer:

RBL ShopRite Credit Card gives you up to 5% back on 10-minute grocery 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 Zepto

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 Zepto using three tiers of relevance:

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

→

Zepto codes under 'Online Shopping' MCC for most banks

→

Frequent small orders can add up — pick a card with uncapped rewards

→

Check if your card's online shopping accelerated rate applies to quick-commerce apps

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 10-minute grocery delivery

Score: 7.8/10

Best Overall

RBL ShopRite Credit Card

RBL · ₹500 annual fee

Up to 5% on 10-minute grocery delivery

Score: 6.7/10

Cards to Avoid for Zepto

These are popular, well-rated cards that earn only their base reward rate on 10-minute grocery delivery. If you carry one of these, use a different card for Zepto purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on 10-minute grocery delivery

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on 10-minute grocery delivery

IndusInd Tiger Credit Card

IndusInd · Score: 8.7/10 — but only 1.2% on 10-minute grocery delivery

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on 10-minute grocery delivery

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on 10-minute grocery delivery

These are great cards for other spending categories — just not for 10-minute grocery delivery. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Blinkit Best for BigBasket Best for Swiggy

Frequently Asked Questions

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

Found this useful?

Get notified when card rules change, benefits get devalued, or new cards launch. One email, only when it matters.

Explore more

All Best CardsCard DirectoryCompare CardsCalculators