Regular purchases / 11 matches

Everyday spending

Cards with a specific use case for regular shopping, dining, groceries or bills.

Compare the eligible merchant or payment route and its cap. Everyday does not mean every transaction earns rewards.

01 / Visa Infinite

HSBC Live+

HSBC Bank

Why it qualifies

10% cashback on eligible dining, food delivery, groceries and utilities

These categories share a Rs 1,200 billing-cycle cashback cap.

Card highlights

Cashback: 10% eligible everyday categories; Myntra offer ends 31 Oct 2026
Cap: ₹1,200 shared accelerated cashback per billing cycle
Forex: 1.99% currency conversion fee, plus applicable taxes

View card details Apply for HSBC Live+

02 / Mastercard World

HDFC Swiggy BLCK

HDFC Bank

Why it qualifies

Cashback on eligible Swiggy and selected online purchases

Each cashback bucket has separate eligibility and billing-cycle caps.

Card highlights

Swiggy: 10% cashback, capped at Rs 1,500 per billing cycle
Online: 5% cashback, capped at Rs 1,500 per billing cycle
Other spends: 1% cashback, capped at Rs 1,000 per billing cycle

View card details Apply for HDFC Swiggy BLCK

03 / Mastercard World

HDFC Swiggy Ornge

HDFC Bank

Why it qualifies

Cashback on eligible Swiggy and selected online purchases

Accelerated cashback is subject to billing-cycle caps.

Card highlights

Swiggy: 5%; shares ₹1,500/cycle cap with eligible online spends
Online: 5%; shared Swiggy/online cap ₹1,500/cycle
Other spends: 1% cashback, capped at Rs 1,000 per billing cycle

View card details Apply for HDFC Swiggy Ornge

04 / Visa / RuPay

Tata Neu Infinity

HDFC Bank

Why it qualifies

NeuCoins on eligible Tata Neu purchases and UPI payments

Use the qualifying Tata Neu route; merchant and category caps apply.

Card highlights

Tata Neu: 5% NeuCoins on eligible Tata ecosystem spends
Base: 1.5% NeuCoins on most retail spends
Bills: 5% NeuCoins on Tata Neu/Tata Pay utilities; insurance follows eligible terms

View card details Apply for Tata Neu Infinity

05 / Visa

SBI Cashback

SBI Card

Why it qualifies

Cashback on eligible online and offline purchases

Excluded merchant categories earn no cashback; statement-cycle caps apply.

Card highlights

Cashback: 5% cashback on online transactions.
Offline: 1% cashback on offline transactions.
Credit: Auto-credited every statement cycle.

View card details Apply for SBI Cashback

06 / Mastercard World

Axis Cashback

Axis Bank

Why it qualifies

Slab-based cashback on eligible online spending

Progressive eligible non-travel online slabs per statement cycle; accelerated online cap ₹4,000. Travel including rail earns unlimited 0.75%; utilities have a separate ₹100 cap.

Card highlights

Online: 2% to 7% cashback on eligible online spends
Cap: ₹4,000 accelerated online cap/cycle; 0.75% travel/offline unlimited
Offline: 0.75% unlimited eligible travel/offline cashback

View card details Apply for Axis Cashback

07 / RuPay

Jupiter Edge+

CSB Bank

Why it qualifies

Jewels on eligible Jupiter UPI purchases

Value depends on the merchant, app route and redemption choice.

Card highlights

Shopping: Up to 10% value; from 10 Oct 2026 the accelerated rate requires over Rs 15K qualified cycle spend
Flights: 25% Jewels on Jupiter Flights
Other spends: 5% Jewels on other eligible spends

View card details Apply for Jupiter Edge+

08 / RuPay

Kiwi RuPay

Yes Bank / PNB / AU Bank

Why it qualifies

Rewards on eligible merchant UPI payments

Excluded categories do not earn; paid Neon membership has separate milestone terms.

Card highlights

Fee: PNB virtual / AU free; PNB physical fees apply. Neon is separate
Neon: Up to 5% cashback on UPI transactions with Neon Membership
Lounge: Up to 3 domestic lounge visits with Neon milestones

View card details Apply for Kiwi RuPay

09 / RuPay / Visa / Mastercard

Axis Neo

Axis Bank

Why it qualifies

Recurring partner offers for selected everyday purchases

Offer availability, named platforms, minimum spend and caps apply.

Card highlights

Fee: Rs 250; LTF on select channels
Zomato: Flat Rs 120 off on Rs 499+, twice/month
Utilities: 5% off Paytm utility bills up to Rs 150 per order, once/month

View card details Apply for Axis Neo

10 / Visa Signature

BOB Eterna

Bank of Baroda

Why it qualifies

Accelerated rewards on eligible shopping, dining and movies

Accelerated categories share a statement-cycle cap; excluded transactions do not earn.

Card highlights

Value: 3.75% statement-credit value on eligible accelerated spends, subject to caps
Offer: Zero joining and first-year fee from 1 September 2026
Forex: 15 RP per Rs 100 on eligible international spends; forex markup and GST reduce net value

View card details Apply for BOB Eterna

11 / American Express

Amex Platinum Reserve

American Express

Why it qualifies

Membership and selected partner benefits for dining and shopping

Enrollment, merchant participation and Amex acceptance apply.

Card highlights

Welcome: 11,000 MR after fee + Rs 30k spend in 90 days; extra referral incentives are offer-dependent and must be confirmed live
Rewards: 2 MR points / Rs 100 6 MR points / Rs 100 on ShopWise
Transfers: Airline/hotel transfers; confirm current India catalogue ratios

View card details Check availability for Amex Platinum Reserve

These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.

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