Leaderboards / Spend Categories

Best for Groceries

Supermarket and grocery rewards with Value for Money weighted boost for everyday essentials.

5 cards ranked | Updated January 2026

Key Ranking Factors

45% Grocery Rate

Supermarket rewards

25% Caps

Monthly earning limits

20% Coverage

Online + offline

10% Value

Rate vs annual fee

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Flipkart Axis Bank Credit Card

Co-Branded Shopping ₹500/yr

Score

Score: 129

Top 20%

Score

Score: 129

Top 20%

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HDFC Diners Club Black Credit Card

Lounge Access Premium ₹10,000/yr

Unlimited lounges 2.00% forex

Score

Score: 35

Top 40%

Score

Score: 35

Top 40%

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ICICI Bank Emeralde Private Metal Credit Card

Lounge Access Premium ₹12,499/yr

₹3.0-6.0/₹100 rewards Unlimited lounges 2.00% forex

Score

Score: 33

Top 60%

Score

Score: 33

Top 60%

HDFC Infinia Metal Edition

Lounge Access Premium ₹12,500/yr

₹3.3-33.3/₹100 rewards Unlimited lounges 2.00% forex

Score

Score: 14

Top 80%

Score

Score: 14

Top 80%

HDFC Regalia Gold

Lifestyle Lounge Access ₹2,500/yr

18 lounge visits/yr

Score

Score: 9

Top 100%

Score

Score: 9

Top 100%

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 better

Caps

Higher is better

What 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.

Learn more about our methodology