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Best Grocery in India 2026

Compare the best grocery in India. 2 cards ranked by our experts.

Showing 2 cards

Best for: Individuals who spend heavily on dining, food delivery and groceries looking for high cashback with no brand restrictions.
HSBC Live+

HSBC Live+

3.6 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹999

#41

Rewards rate

₹1.50 - ₹7.50/₹100

#14

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Dining, Grocery, Lounge Access
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CardNitty's take

Pros

  • Industry-leading 10% cashback on dining, food delivery and groceries
  • 1.5% unlimited cashback on all other eligible retail spends
  • Low annual fee of Rs 999 easily waived on Rs 2L spend
  • Automatic cashback credit, no redemption hassle
  • 4 complimentary domestic airport lounge visits per year

Cons

  • High forex markup at 3.5%
  • No fuel surcharge waiver
  • Long list of cashback exclusions including utilities, fuel, rent, insurance
  • No international lounge access
  • Available only in select Indian cities
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Best for: Beginners and everyday spenders who shop at grocery stores, departmental stores, restaurants, and movie theaters regularly.
SimplySAVE SBI Card

SimplySAVE SBI Card

3.3 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹499

#9

Rewards rate

₹1.67/₹100

#71

Joining fee

₹499

#10

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Dining, Entry Level, Grocery, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Affordable Rs. 499 annual fee with easy waiver on Rs. 1L spend
  • 10X reward points on 4 everyday categories (dining, movies, grocery, dept stores)
  • 1% fuel surcharge waiver on all petrol pumps
  • Free add-on cards for family members
  • Flexipay EMI conversion for purchases above Rs. 2,500
  • Available on Visa, Mastercard, and RuPay networks

Cons

  • No airport lounge access
  • No insurance coverage
  • Low base reward rate of 0.17% on non-accelerated spends
  • Redemption fee of Rs. 99 + GST on reward points
  • No reward points on fuel, rent, government, or wallet transactions
Read full review

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