PayperWIZ

Which credit card pays the most on groceries in India?

Of the cards whose terms were read off the issuer, HSBC Live+ (HSBC) publishes the highest rate on groceries in India: 10.00% (INR 999 a year, waived above INR 200,000 of spending a year). This is a ranking of published rates, not a recommendation to apply.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

10 read cards · India · groceries

The answer, from 10 read cards

Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.

Read cards in India by their published rate on groceries, with what limits each one.
#ReturnCard
110.00%HSBC Live+checkedHSBC · INR 999 a year, waived above INR 200,000 of spending a year · checked 18 Sep 2026
210.00%HSBC RuPay CashbackcheckedHSBC · INR 499 a year, waived above INR 200,000 of spending a year · checked 18 Sep 2026
32.50%BPCL SBI Card OCTANEcheckedSBI Card · INR 1,499 a year, waived above INR 200,000 of spending a year · checked 20 Sep 2026at most INR 1,875 back a month
42.50%SBI Card ELITEcheckedSBI Card · INR 4,999 a year, waived above INR 1,000,000 of spending a year · checked 20 Sep 2026
52.50%SBI Card PRIMEcheckedSBI Card · INR 2,999 a year, waived above INR 300,000 of spending a year · checked 19 Sep 2026
62.00%Axis SelectcheckedAxis Bank · INR 3,000 a year, waived above INR 800,000 of spending a year · checked 20 Sep 2026at most INR 400 back a month
72.00%RBL Platinum Maxima PluscheckedRBL Bank · INR 2,500 a year · checked 20 Sep 2026at most INR 200 back a month
81.67%SimplySAVE SBI CardcheckedSBI Card · INR 499 a year, waived above INR 100,000 of spending a year · checked 19 Sep 2026
90.75%ICICI Emeralde Private MetalcheckedICICI Bank · INR 12,499 a year, waived above INR 1,000,000 of spending a year · checked 19 Sep 2026at most INR 250 back a month; the terms say: Groceries, at the same rate but capped at 1,000 Reward Points a statement cycle — about Rs 33,000 of shopping.
100.50%Kotak Cashback+checkedKotak Mahindra Bank · INR 750 a year, waived above INR 200,000 of spending a year · checked 20 Sep 2026
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here; 5 other cards in the catalogue publish a rate on groceries that nobody has yet read off the issuer, and are not listed here at all. Points and miles are valued at the redemption rate the programme publishes, the rate anyone can take rather than the best one after a transfer. A rate that covers only part of groceries — one chain of shops, one kind of merchant — is shown with what it covers and is not ranked, because it is not what the card pays on groceries.

The right card depends on what you have already spent.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.

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