Category
Quick commerce
The ten-minute apps: Blinkit, Zepto, Instamart. Most banks bill these as groceries, so a card falls back to its grocery rate unless it names them on their own.
No card in your wallet earns rewards on quick commerce yet.
When you add a card that does, it will rank here automatically.
Best in market
This is the worst served category in the market and the headline rates mislead. The famous 10% deals are tied to one app each, Instamart on the Swiggy cards and Blinkit on Airtel Axis, so a card paying 10% at one ten minute app pays its ordinary grocery rate at the next. Across quick commerce generally nothing beats 1%. · Top-tier picks from the whole Indian market, researched 11 Aug 2026.
HDFC Bank Swiggy BLCK
10% on Instamart, 1% once you step outside the Swiggy app
₹1,000 + GST
If your quick commerce is mostly Instamart this is the best rate available anywhere, at ten times what a generic card manages. The honest framing is that you are buying an Instamart card rather than a quick commerce card.
Order from Blinkit or Zepto and the 10% vanishes and you are on 1%. HDFC also has not published a clean spend threshold for the fee waiver on this card, so the ₹2,00,000 figure in circulation is not confirmed against its own terms.
Axis Bank Airtel
The mirror image, 10% on Blinkit instead of Instamart
₹500 + GST, waived on ₹2L a year
The only card that names Blinkit specifically, so it covers the app the Swiggy cards miss. Cheap to hold at ₹500 and the waiver threshold is realistic.
Same trap in reverse. Instamart and Zepto drop to 1%. Between this and a Swiggy card you can cover two of the three big apps, but no single card covers all three at a good rate.
Your wallet · Quick commerce
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on quick commerce. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on quick commerce at your spend. raw rates, before caps.
Every card in your wallet is excluded from quick commerce. 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.