Best Credit Card for Groceries in India (2026)
Groceries are where most cards fail. Only a few give more than 1% on your weekly shopping.
Groceries are a blind spot for Indian credit cards. Most cards give 0.5-1% on grocery spending — essentially nothing on your ₹8,000-15,000 monthly grocery bill. Only a handful of cards treat groceries as a rewarded category.
We found the exceptions. Here's where to earn actual cashback on your BigBasket, Blinkit, DMart, and supermarket spending.
All cashback figures below are calculated at ₹10,000/month spend in this category, using our cap-aware calculator that accounts for monthly limits and fallback rates.
Our Picks
5% at grocery stores is unmatched. The 5,000 pts/month cap limits beneficial spend to ₹25K (shared with fuel). For pure grocery rewards, nothing else comes close.
2.5% on groceries is solid for a mainstream card. Plus BookMyShow BOGO and 14 lounge visits. The all-round premium card that also happens to reward groceries.
1.5% on groceries (uncapped). Not the highest, but reliably above average. And 5% on utility bills via GPay covers your household spending broadly.
Cap: ₹500/mo (you're under it)
Set groceries as your Feature Pack category for up to 5%. Requires active management but the rate matches RBL ShopRite.
RBL ShopRite is the clear winner for dedicated grocery spending at 5%. Pair it with Axis ACE for everything else. If you want one card for groceries + other categories, SBI ELITE at 2.5% is the best compromise.
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Try Smart Swipe →❓ Frequently Asked Questions
Does BigBasket/Blinkit count as grocery?+
It depends on the MCC code. Physical grocery stores reliably code as grocery. Online platforms like BigBasket may code as online shopping instead. Check your statement for the specific category.
Why don't more cards reward groceries?+
Groceries are high-frequency, low-margin transactions. Banks earn less interchange on grocery merchants, so they don't incentivize the category. This is why grocery-focused cards like ShopRite are rare.
Is 5% on groceries sustainable?+
RBL ShopRite caps it at 5,000 pts/month. This limits the bank's liability while giving genuine value to typical grocery spenders (₹10-25K/month range).