Everyday essentials / 9 matches

Groceries

Cards that reward supermarket, grocery-delivery or Tata grocery spend.

Supermarket and delivery-app transactions can code differently; accelerated caps usually combine with dining or utilities.

01 / Visa Infinite

HSBC Live+

HSBC Bank

Why it qualifies

10% cashback on eligible groceries

Shared Rs 1,200 billing-cycle accelerated 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

10% cashback on eligible Swiggy Instamart

Shared Swiggy cashback cap per billing cycle.

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

5% cashback on eligible Swiggy Instamart

Swiggy and eligible online 5% share one ₹1,500 billing-cycle cap; minimum ₹249 for 5%, ₹100 for 1%.

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

5% NeuCoins on eligible BigBasket spends through Tata Neu

Use the eligible Tata Neu route and observe category caps.

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 / Mastercard World

Axis Cashback

Axis Bank

Why it qualifies

2% to 7% cashback on eligible online grocery purchases

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

06 / Visa

SBI Cashback

SBI Card

Why it qualifies

5% cashback on eligible online grocery purchases

The online cashback cap and excluded MCC list 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

07 / RuPay Select

IDFC HPCL Power+

IDFC FIRST Bank

Why it qualifies

5% value on eligible groceries within the published cap

Accelerated utility, grocery and FASTag rewards share programme conditions.

Card highlights

Fuel: 5% value back on HPCL fuel up to Rs 12K/statement
UPI: RuPay Select card works for eligible UPI spends
Utilities: 5% value on groceries, utilities and FASTag within caps

View card details Apply for IDFC HPCL Power+

08 / Visa Signature

BPCL SBI Octane

SBI Card

Why it qualifies

10 RP per Rs 100 on eligible grocery spends

Accelerated lifestyle rewards have a monthly cap.

Card highlights

Fuel: Up to 7.25% within BPCL caps; RuPay UPI fuel excluded
Sweet spot: Best at ₹5k-₹10k fuel/month
Yearly value: Around ₹8,700/year fuel upside

View card details Apply for BPCL SBI Octane

09 / Visa Signature

HDFC Regalia Gold

HDFC Bank

Why it qualifies

Base reward points on eligible grocery purchases

Merchant coding and HDFC caps apply.

Card highlights

Travel Rewards: SmartBuy travel/voucher accelerators; check current card-specific multiplier and caps
Brand Rewards: 5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps
Accor transfer: 2 HDFC Reward Points = 1 ALL Reward point, subject to partner terms

View card details Apply for HDFC Regalia Gold

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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