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Best credit cards for groceries (2026)

Groceries are a big, steady monthly spend. Here's what the top cards return on grocery apps and at supermarkets.

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The top picks

HSBC Live+

10% on dining, food delivery, groceries, shopping & utilities (capped ₹1,200/month)

Grocery apps: 10% Groceries (10%) · capped at ₹1,200 a month
Supermarkets & stores: 10% Groceries (10%) · capped at ₹1,200 a month
Annual fee: ₹999 a year (waived on ₹200,000 spend a year)

HDFC Bank Swiggy BLCK

10% on Swiggy (food, Instamart, Dineout); 5% on select online brands

Swiggy Instamart: 10% Swiggy app — food, Instamart, Dineout (10%) · capped at ₹1,500 a statement
Other grocery apps: 1% base rate
Supermarkets & stores: 1% base rate
Annual fee: ₹1,000 a year (waived on ₹200,000 spend a year)

HDFC Bank Swiggy Ornge

5% on Swiggy and select online brands

Swiggy Instamart: 5% Swiggy app — food delivery, Instamart, Dineout · capped at ₹1,500 a statement
Other grocery apps: 1% base rate
Supermarkets & stores: 1% base rate
Annual fee: ₹500 a year (waived on ₹150,000 spend a year)

Rates are the return per ₹100 spent, with points valued at each card's best redemption (usually transfer to airline or hotel partners); gift-card redemptions are worth less. Caps limit how much spend earns the top rate. Ranked by Cardology; card details last checked 2026-10-18.

Not sure which one fits you?

A card that wins on one category can lose overall once you add the rest of your spends and the annual fee. Tell Cardology roughly what you spend and it works out the best card, or pair of cards, for you.

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Questions

How do I know which card is best for me?

Your best card depends on all your spends together, not one category. Cardology's free chat compares cards on your own numbers, including cards you already have, in about a minute.