Category
Offline spend
In-store swipes and taps at a POS machine.
No card in your wallet earns rewards on offline spend yet.
When you add a card that does, it will rank here automatically.
Best in market
Offline/POS rewards remain thin in India; the winners are HSBC's category 10% (which works in-store), unlimited flat cashback on swipes, and RuPay-UPI credit for QR-heavy spending. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
HSBC Live+
10% on dining, groceries, food delivery, shopping & utilities — in-store POS included — plus 1.5% on everything else
₹999 + GST, waived on ₹2L/yr
Upgraded to Visa Infinite from 26 July 2026 with shopping and utilities added to the 10% bucket and the monthly cap raised to ₹1,200; no other attainable card pays double digits on everyday offline swipes like restaurants and supermarkets.
10% capped at ₹1,200/month (~₹12k accelerated spend); fuel earns 0%; HSBC issues mainly in metro cities with a relatively high income bar (~₹12L stated by reviewers).
Axis Bank ACE
Uncapped 1.5% cashback on offline swipes, plus 4% Swiggy/Zomato/Ola and 5% GPay utility bills
₹499 + GST, waived on ₹2L/yr
The most dependable uncapped auto-credit cashback on general POS spends after the 2024 cut from 2%; the 4%/5% accelerators still add real value on food delivery and bills.
Devalued repeatedly: base cut to 1.5% (Apr 2024), category-based exclusions from June 2025 (all jewellery excluded), and the 5% on utilities works only via Google Pay; Axis devaluation risk is the highest among major issuers.
YES Bank Paisabazaar PaisaSave
6% on dining & travel plus 1% unlimited everywhere — including RuPay credit-on-UPI scan-and-pay
No joining fee; ₹499 annual, waived on ₹1.2L/yr
Upgraded in Dec 2025: 6% on dining and travel (capped ₹3,000/month) and a virtual RuPay variant that earns 1% on UPI QR payments — the cheapest way to earn on India's small-merchant QR spending where cards aren't accepted.
Base rate is only 1% (dining/travel cap ₹3,000/month, then 1%); no rewards on fuel, rent, utilities, insurance, jewellery, hospitals or pharma; YES Bank service quality is a common community complaint.
Your wallet · Offline spend
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on offline spend. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on offline spend at your spend — raw rates, before caps.
Every card in your wallet is excluded from offline spend — 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.