PayperWIZ

Which credit card pays the most on supermarkets in India?

Of the cards whose terms were read off the issuer, HSBC Live+ (HSBC) publishes the highest rate on supermarkets 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.

8 read cards · India · supermarkets

The answer, from 8 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 supermarkets, 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
24.00%IndusInd EazyDinercheckedIndusInd Bank · INR 2,999 a year · checked 22 Oct 2026
33.20%Axis Bank RewardscheckedAxis Bank · INR 1,000 a year · checked 20 Sep 2026at most INR 224 back a month
42.50%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
52.50%SBI Card ELITEcheckedSBI Card · INR 4,999 a year, waived above INR 1,000,000 of spending a year · checked 20 Sep 2026
62.50%SBI Card PRIMEcheckedSBI Card · INR 2,999 a year, waived above INR 300,000 of spending a year · checked 19 Sep 2026
72.00%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
81.67%SimplySAVE SBI CardcheckedSBI Card · INR 499 a year, waived above INR 100,000 of spending a year · checked 19 Sep 2026
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here. 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 supermarkets — 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 supermarkets.

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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