Category
Groceries
The weekly shop. DMart, Reliance Smart, BigBasket and your local supermarket.
No card in your wallet earns rewards on groceries yet.
When you add a card that does, it will rank here automatically.
Best in market
Blinkit/Zepto/Instamart bill as online grocery MCCs, so category-cashback cards beat store co-brands. Especially after SBI Cashback's April 2026 cap cut hurt the old default pick. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
HSBC Live+
10% cashback on grocery MCCs. Blinkit, Zepto, BigBasket, Instamart, DMart Ready all qualify
₹999 + GST, waived on ₹2L/yr
One card covers every quick-commerce app plus offline supermarkets at 10%, post-July-2026 cap of ₹1,200/cycle. Nothing attainable comes close for mixed grocery + quick-commerce households.
Same ₹1,200/mo cap is shared with dining/shopping/utilities. Heavy spenders exhaust it fast. Occasional merchants bill under non-grocery MCCs and earn only 1.5%.
HDFC Bank Swiggy
10% cashback on Swiggy Instamart (shares the ₹1,500/cycle Swiggy cap)
₹500 + GST, waived on ₹2L/yr
If Instamart is your quick-commerce app, this is the highest earner on it, 10% statement cashback with a generous ₹1,500 monthly ceiling across the Swiggy ecosystem.
Instamart-only for groceries. Blinkit/Zepto/BigBasket fall to the 5% online tier which EXCLUDES groceries (so they earn ~1%). Card is closed to new applicants, so don't build a strategy around getting one.
SBI Card Cashback
5% cashback on ALL online spends. Blinkit, Zepto, BigBasket, Zomato, Amazon Fresh. No merchant list to track
₹999 + GST, waived on ₹2L/yr
The simplest quick-commerce backstop: everything ordered online earns 5% as statement credit, covering apps that dodge grocery MCCs.
Online cashback is capped at ₹2,000 per cycle, so only the first ₹40,000/mo of online spend counts. Offline earns 1%, capped at ₹2,000. There is no lounge access or other frills, making it a one-trick card.
Your wallet · Groceries
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on groceries. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on groceries at your spend. raw rates, before caps.
Every card in your wallet is excluded from groceries. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.