Best Credit Cards for Groceries in India
Updated March 2026 · 77 cards evaluated
Groceries are most Indian households' largest recurring spend after rent. The right card can save you 2-5% on every grocery run.
Quick Answer
The best card in this category is Airtel Axis Bank Credit Card (Score: 8.2/10) — ₹500/year, up to 25% rewards. Runner-up: SimplyCLICK Advantage SBI Card (7.9/10).
Axis · ₹500/yr · Up to 25% rewards
Up to 25% back on cashback, general
SBI · ₹499/yr · Up to 10% rewards
Up to 10% back on online-shopping, cashback
HDFC · ₹500/yr · Up to 10% rewards
Up to 10% back on food-delivery, cashback, beginner
HDFC · ₹500/yr · Up to 10% rewards
Up to 10% back on food-delivery, swiggy, cashback
HSBC · ₹999/yr · Up to 10% rewards
Up to 10% back on cashback, online-shopping
HDFC · ₹1,000/yr · Up to 10% rewards
Up to 10% back on food-delivery, swiggy, cashback
Kotak · ₹500/yr · Up to 7.5% rewards
Up to 7.5% back on shopping, cashback
SBI · ₹2,999/yr · Up to 7.5% rewards
Up to 7.5% back on shopping, cashback
HDFC · ₹4,500/yr · Up to 7% rewards
Up to 7% back on shopping, lifestyle, lounge
ICICI · ₹5,000/yr · Up to 7% rewards
Up to 7% back on shopping, travel
How We Ranked These Cards
We evaluated 77 cards matching this category criteria, scored them using the CardTrail Score methodology (net value, feature depth, bank trust, accessibility), and ranked by maximum reward rate. All data is from official bank sources, verified March 2026.