Best grocery credit cards

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: The 5X rate caps at 1,000 Reward Points a month, about Rs. 20,000 of CSD, grocery and departmental store spending.

Heads-up: IndusInd publishes no rupee value for the point, so the 12-point fuel rate cannot be turned into a percentage and compared.

Heads-up: No airport lounge access. The lounge benefit is eight railway lounge visits a year.

Heads-up: Blinkit is capped at Rs. 1,000 a month and five transactions; Zomato at Rs. 150 per transaction; Ola at Rs. 600 a month. Past those, the…

Heads-up: SBI Card discontinued issuance of the Yatra SBI Card with effect from 28 March 2025. The welcome gift and all Yatra.com travel discount…

Heads-up: Lounge access needs Rs. 40,000 of spending in the preceding quarter, twice the Signet's threshold.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Heads-up: 4 Reward Points are worth Re. 1, so 25 points per Rs. 100 on BPCL is an effective 6.25% back, and 7.25% only once the 1% surcharge waiver…

Heads-up: 4 Reward Points are worth Re. 1, so 13X on BPCL is an effective 3.25% back and 4.25% only once the 1% surcharge waiver is counted. The base…

Heads-up: NeuCoins are spendable on Tata Neu and across Tata brands. They cannot be taken as cashback or statement credit.

Heads-up: 4 Reward Points are worth Re. 1, so 10 points per Rs. 150 is an effective 1.67% back and the base rate is about 0.17%.

Heads-up: All cashback stops at ₹400 a statement cycle — the 10% categories share that ceiling rather than each having their own. About ₹4,000 of…

Heads-up: IndiGo does not publish a fixed value for a BluChip. Redemption is dynamic — roughly Rs. 0.40 to Rs. 0.60 a chip — so the headline earn…

Heads-up: NeuCoins can only be spent inside the Tata Neu ecosystem. They cannot be taken as cash or credited to the statement.

Heads-up: IndiGo does not publish a fixed value for a BluChip. Redemption is dynamic — roughly Rs. 0.40 to Rs. 0.60 a chip — so the headline earn…

Heads-up: A Reward Point is worth Rs. 0.25, so the headline rates convert at a quarter of their face value. 20 points per Rs. 100 is an effective 5%…

Heads-up: The 10-point rate stops at 1,000 reward points a month across dining, groceries, entertainment and international together — about Rs.…

Heads-up: A monthly cashback cap applies. Past it, spending earns nothing.

Heads-up: The 10-point rate on online shopping and departmental stores is capped at 2,000 Reward Points a statement — Rs. 500 of value a month.

Heads-up: The two chosen 5% packs share a cap of 500 CashPoints a month. Past that, accelerated spending earns the base rate.

Heads-up: The 40-point rail rate applies only to travel dates between 15 Jan and 31 Mar and 15 Jul and 15 Sep. Other dates earn 16 points, which is…

Heads-up: A CashPoint is worth Rs. 0.25 against the statement, so 10X on the partner brands is an effective 3.3% back and the base rate is about…

Heads-up: A Reward Point redeems at about Rs. 0.07, so 8 points per Rs. 150 is an effective return of roughly 0.4%. The headline rate is not the…

Heads-up: The 5% stops at ₹2,000 a billing cycle. Past about ₹40,000 of online spend a month, extra spending earns the 1% base rate.

Heads-up: Zero Vantage Points on ALL international spends, effective 10 July 2026 — a major devaluation from the earlier terms, which paid 8 points…