Category
Groceries
Supermarkets and grocery stores — DMart, Reliance Smart, BigBasket.
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, the card you already hold 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. Still worth up to ₹24,000/yr post-devaluation.
Devalued 1 Apr 2026: online cashback now capped at ₹2,000/cycle (was ₹5,000), i.e. only first ₹40k/mo of online spend; offline earns 1% (capped ₹2,000); no lounge or other frills — it's 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.