Best for Groceries
Supermarket and grocery rewards with Value for Money weighted boost for everyday essentials.
306 cards ranked | Updated December 2025
Key Ranking Factors
Supermarket rewards
Monthly earning limits
Online + offline
Rate vs annual fee
Score: 9068
Score: 1610
Federal Bank Scapia
Score: 961
Zomato Edition Black
Score: 502
Score: 477
Score: 477
Score: 386
Score: 354
Score: 345
Score: 315
Score: 296
Score: 296
Score: 296
Score: 225
Altura
Score: 180
Score: 180
Score: 168
Score: 167
Score: 167
Axis Bank Vistara Infinite
Score: 159
Score: 150
Score: 150
Score: 150
Score: 150
Score: 150
Score: 150
Score: 150
Score: 150
Score: 150
Score: 150
Score: 150
Score: 144
Fi AmpliFi Credit Card
Score: 135
Score: 132
Score: 132
Score: 132
Score: 129
Score: 129
Score: 129
AU SPONT Credit Card
Score: 129
Score: 129
Score: 129
Score: 129
Score: 129
Score: 129
Score: 127
AU Ixigo Credit Card
Score: 113
About Grocery Rankings
Groceries are a universal expense—everyone buys them. Cards with accelerated grocery rewards turn routine spending into meaningful earnings. We apply a VFM^1.2 boost because grocery rewards benefit everyone.
How We Rank Grocery Cards
- Grocery rewards: Earning rate at supermarkets, grocery apps
- Monthly caps: Higher caps = more earning potential
- Cashback preference: Cashback on essentials is practical
- VFM^1.2 boost: Everyday spending cards get extra weight
Grocery Rate
Higher is betterCaps
Higher is betterWhat Makes a Great Grocery Card
- High grocery rate: 3-5% on supermarket spending
- Broad acceptance: Works at your preferred stores/apps
- Reasonable caps: ₹10,000+ monthly cap is comfortable
- No exclusions: Includes online grocery platforms
Who Benefits from Grocery Cards
- Families with significant grocery bills
- Anyone who values everyday earning
- Those who shop at consistent stores/apps
Maximizing Grocery Rewards
- Consolidate spending: Use one card for all grocery shopping
- Check online classification: Verify BigBasket, Blinkit count as grocery
- Watch caps: Switch cards if you hit monthly limits
Grocery Card FAQ
Do online grocery apps count as grocery spending?
Usually yes, but verify with your card. BigBasket, Blinkit, Amazon Fresh typically classify as grocery. Some may classify as online shopping with different rates.
Bottom Line
Grocery rewards are universally valuable—everyone benefits. Even a modest 2-3% extra on ₹10,000+ monthly grocery spending adds up to meaningful annual savings.