Category
Offline spend
Swiping or tapping your card at a shop counter.
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
Pays 10% on dining, groceries, shopping and utilities against a ₹1,200 monthly cap, on Visa Infinite. 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. The 4% and 5% accelerators add real value on food delivery and bills.
The 5% on utilities works only via Google Pay. Category-based exclusions apply and all jewellery is excluded. Axis changes terms more often than any other major issuer, so re-check before relying on it.
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.