10% CASHBACK ON GROCERY PURCHASES & DINING, AIRPORT LOUNGE ACCESS

HSBC Live+ Credit Card

HSBC Live+ Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
10% cashback on grocery, dining & food delivery. Monthly cashback limit - ₹1000
✔︎
1.50% unlimited cashback on other card spends
✔︎
Domestic airport lounge access - 4 per year
Annual Fee

₹999

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: ₹1000 cashback, at card spend of ₹20000 within 30 days of card issuance
  • Renewal offer: Annual fee waived on annual spend of ₹2 lakhs

10% cashback on grocery purchases, dining, food delivery  (up to ₹1000 per month)

  • Earning rate: ₹10 per ₹100 spent in these categories
  • Monthly cashback limit: ₹1000 (reached at 10,000 spending)

1.50% unlimited cashback on other card spends

  • Earning rate: ₹1.50 per ₹100 spent

Important exclusions (no cashback)

  • Fuel, e-wallets, property management fees
  • Rent, education, government related spends
  • Insurance, jewelry & antique items
  • Gambling, business to business transactions
  • Tolls and bridge fees, financial and non-financial institutions, 
  • Security broker services, collection agencies, charity, money transfers and wholesale clubs

Domestic airport lounge access - 1 time per quarter

View More

Benefits

  • Best-in-class cashback rate on grocery purchases, dining, and food delivery
  • Airport lounge access - not common in cards in this category, although the number of free visits is quite limited
  • No spending requirements for airport lounge access, unlike many competitor cards

Drawbacks to consider

  • High cashback on a few categories only. You would need to consider other credit cards to earn higher rewards on other card spends (other than grocery purchases, dining, and food delivery)
  • Cashback restrictions: Cashback given is restricted to ₹1000 per month; hence, you will not be able to earn 10% cashback in the promotion categories on high card spends

To read the full review of the card , please click here

BEST FOR DINING & ONLINE SHOPPING

Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
10% cashback on Swiggy apps - Food orders, Instamart groceries, Dineout restaurants. Monthly cashback limit - ₹1500
✔︎
5% cashback on online purchases across various categories including Amazon and Flipkart. Monthly cashback limit - ₹1500
✔︎
4 free golf rounds per year, 1 free golf lesson per month
Annual Fee

₹500

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: 3-month Swiggy One Membership
  • Renewal offer: Annual fee waived on ₹2 lakhs annual spend

▶︎ 10% cashback on Swiggy apps: 

  • Food delivery orders 
  • Instamart grocery shopping   
  • Dineout restaurant bookings 
  • Genie delivery services

Monthly cashback limit: ₹1,500 (reached at ₹15,000 spending)

Important exclusions: Cashback is not given on Swiggy Money wallet, Swiggy liquor, and Swiggy minis

▶︎ 5% cashback on online purchases including Amazon and Flipkart:

  • Large online discount stores like Flipkart, Amazon, Meesho, and Ajio.
  • Department stores, apparel, and home decor
  • Electronics
  • Local cabs
  • Entertainment
  • Pharmacies & personal care
  • Online pet stores 

Monthly cashback limit: ₹1,500 (reached at ₹30,000 spending)

Important exclusions: 

  • Cashback will not be given on any grocery purchases and gift card purchases in the above categories.
  • Starting 10th May 2025 onwards, grocery transactions on Amazon and Flipkart (MCC 5411) will also earn 5% cashback

▶︎ 1% basic cashback benefit on all other card spends 

Monthly cashback limit: ₹500 (reached at ₹50,000 spending)

Important exclusions: No cashback is given on fuel purchases, rent payments, government-related transactions, jewellery, wallet transactions, EMI transactions

▶︎ Welcome offer: Up to 12 Month complimentary Swiggy One membership

  • All new customers get a 3 month Swiggy One membership
  • Customers who apply through the Swiggy app receive extra 9 months of Swiggy One Membership

▶︎ Complimentary golf

  • 4 free golf rounds per year (maximum 1 per month) 
  • 1 free golf lesson per month
View More

Ideal for-

  • Regular Food Delivery Users: If you order from Swiggy 2-3 times weekly, the 10% cashback can result in significant savings of ₹500-1000 every month.
  • Online Grocery Shoppers: Regular Swiggy Instamart users can take advantage of the 10% cashback on grocery purchases, combining convenience with significant savings.
  • E-commerce Fans: Frequent shoppers on large platforms like Amazon and Flipkart benefit from the best-in-class 5% cashback on a wide range of online purchases.
  • Urban Professionals: Busy professionals who rely on food delivery, online shopping, and occasional dine-out experiences can maximize all card benefits.
  • Occasional Golfers: The complimentary golf benefits add substantial value for those who enjoy the sport on an intermittent basis.

Not ideal for consumers who:

  • Prefer in-store shopping over online purchases
  • Frequent travellers looking for airport lounge access
  • Rarely order food or groceries online
  • Cannot meet the minimum income requirements
  • Travel internationally frequently (due to the 3.5% foreign transaction fee)

To read the full review of the card , please click here

UP TO 25% CASHBACK ON UTILITY BILL PAYMENTS, 10% ON DINING & GROCERIES

Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
25% cashback (up to ₹250 per month) on Airtel services via Airtel Thanks app - mobile, broadband, wifi, DTH TV
✔︎
10% cashback (up to ₹250 per month) on utilities via Airtel Thanks app - electricity, water, gas bills
✔︎
10% cashback (up to ₹500 per month) on the following apps – Swiggy, Zomato, BigBasket
✔︎
Complimentary airport lounge access in India - 4 times per year
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: ₹500 Amazon voucher on first card transaction (within the first 30 days of card issuance)
  • Renewal offer: Annual fee waived on ₹2 lakhs annual spend

Airtel Services: 25% cashback (up to ₹250 per month)

  • Covers mobile, broadband, WiFi, and DTH services through Airtel Thanks app
  • Monthly cashback limit: ₹250, reached at ₹1000 monthly spend

Utility Bills via Airtel App: 10% cashback (up to ₹250 per month)

  • Electricity, water, and gas bill payments via Airtel Thanks app
  • Monthly cashback limit: ₹250, reached at ₹2500 monthly spend

Food Delivery & Groceries: 10% cashback (up to ₹500 per month)

  • BigBasket grocery orders and Swiggy/Zomato food delivery
  • Monthly cashback limit: ₹500, reached at ₹5,000 monthly spend

Other Purchases: 1% cashback

  • Applies to all other eligible card transactions
  • Excludes: utilities (non-Airtel platforms), fuel, wallets, EMIs, government services, education services, rent, jewelry, insurance, annual fees and other fees, cash advances, payment of outstanding card balances, returns & cancellations

Other Benefits

▶︎ Airport Lounge Access

  • Domestic airport lounge access - 4 visits per year
  • Requires minimum ₹50,000 spend in previous 3 months 

▶︎ Dining Discount

  • 15% off at EazyDiner partner restaurants (up to ₹500 discount)
  • Minimum order requirement of ₹2500
  • Valid once per month

▶︎ Partner Offers

  • Additional cashback deals through Axis Grab Deals platform (up to ₹1,000 per month)
  • Exclusive discounts with select Axis Bank partners

▶︎ Fuel surcharge waiver (up to ₹500 per month), valid only on fuel transactions between ₹400 and ₹4000

View More

Benefits

  • Good cashback on utilities, especially on Airtel services 
  • Attractive cashback on food ordering (Zomato & Swiggy) & small grocery purchases (BigBasket)
  • Free airport lounge access in India, 4 times per year

Drawbacks to consider

  • May not suit consumers with very high utility bills
  • Low rewards on non-preferred partner spends, especially travel spends
  • High minimum spending criteria for lounge access

To read the full review of the card , please click here

LIFETIME FREE CREDIT CARD WITH OFFERS ON DINING, MOVIES, GROCERIES, UTILITY BILLS

Axis Bank NEO Credit Card

Axis Bank NEO Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Blinkit - 10% discount (up to ₹250), once a month | Minimum order of ₹999 required
✔︎
Zomato - ₹120 discount, 2 times per month | Minimum order of ₹499
✔︎
Utility bills through Paytm - 5% cashback (up to ₹150), once per month - mobile recharge, broadband, DTH
✔︎
BookMyShow movie tickets - 10% discount (up to ₹100 per month)
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer: Nil

Lifetime free credit card (no annual fee credit card) - limited time offer 

Zomato Discount Offer

  • Discount: ₹120 off on Zomato orders
  • Frequency: 2 times per month
  • Minimum Order: ₹499
  • Effective Discount: 24% on orders of ₹500

EazyDiner Restaurant Benefits

  • Discount: 15% off (up to ₹500)
  • Minimum Order: ₹2,500
  • Frequency: 1 time per month
  • Payment Method: Through EazyDiner app (PayEazy)

Blinkit Grocery Discount

  • Discount: 10% off (up to ₹250)
  • Frequency: 1 time per month
  • Minimum Order: ₹750

Myntra Shopping Discount

  • Discount: ₹150 off on select styles
  • Minimum Order: ₹999
  • Usage Limit: Once per customer

Cashback on Utliity Bills through Paytm

  • Eligible Bills: Mobile recharge, broadband, DTH
  • Cashback: 5% (up to ₹150)
  • Minimum Transaction: ₹299
  • Frequency: 1 time per month

BookMyShow Movie Discount

  • Discount: 10% off (up to ₹100 per month)
  • Frequency: Unlimited transactions

EDGE Reward Points on Card Spending

  • Earning Rate: 1 EDGE point per ₹200 spent
  • Point Value: ₹0.20 per point
  • Effective Return: 0.10% on all other purchases
  • Redemption: Gift vouchers, products via EDGE Rewards platform
  • Important Exclusions: Utilities, education, insurance, government, wallet, rent, fuel transactions

Axis Bank Partner Offers

  • Grab Deals Cashback: Up to ₹1,000 cashback per month, across partner merchants
  • Gift Voucher Discounts: Special rates on select vouchers
  • Seasonal Offers: Regular promotional deals on various categories
View More

Who Should Apply for Axis Bank NEO Credit Card?

Ideal Candidates

  • First-time credit card users looking for a reliable starter card
  • Budget-conscious shoppers who want guaranteed savings, with no annual fee
  • Regular Zomato/Blinkit users who can maximize dining and grocery benefits
  • Young consumers starting their credit journey
  • Existing Axis Bank customers with pre-approved offers

Not Ideal For

  • Heavy spenders who need higher benefit limits, and higher rewards on non-promotional categories
  • Frequent travellers requiring lounge access and travel benefits
  • Premium lifestyle users who prefer luxury card features

To read the full review of the card , please click here

BEST FOR AMAZON SHOPPERS, NO ANNUAL FEE

Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card - Our Money Guide Our Rating 4.5
Top Reasons to Choose
✔︎
Lifetime free card
✔︎
5% unlimited cashback on Amazon for Prime members (including flights & hotels), 3% for Non-Prime
✔︎
2% cashback on 100+ Amazon Pay partners
Annual Fee

₹0

Minimum Income

Salaried : ₹20,000 per month || Self-employed : ₹3,60,000 per year

Annual Fee Offers
  • Welcome offers: ₹2000 + ₹500 discount on Amazon Prime membership

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

  • 5% cashback for Amazon Prime members
  • 3% cashback for Non-Prime members

Exceptions & important exclusions-

  • 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
  • No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

  • Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
  • Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

View More

The Amazon Pay ICICI Credit Card stands out as one of India's most popular cashback credit cards, particularly for online shopping enthusiasts. Besides high cashback rewards, it is lifetime free which further enhances its appeal.

Benefits

  • High Cashback Rates: 5% on Amazon for Prime members 
  • No Annual Fee 
  • No Spending Limits on Earning Cashback: Unlimited cashback earning potential 
  • Wide Partner Network offering 2% Unlimited Cashback: 100+ Amazon Pay merchants 
  • Instant Redemption: Automatic Amazon Pay balance credit

Drawbacks

  • Limited Offline Benefits: Primarily designed for online shopping 
  • Poor Non-Amazon Rewards: Only 1% cashback on non-Amazon purchases
  • No Lounge Access
  • Prime Dependency: Maximum benefits require Amazon Prime membership

To read the full review of the card , please click here

MID-PREMIUM CARD: BEST FOR LIFESTYLE BENEFITS & PARTNER OFFERS

Axis Bank SELECT Credit Card

Axis Bank SELECT Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
2% reward on shopping, on purchases up to ₹20,000 per month
✔︎
BigBasket - ₹500 discount on a minimum order of ₹2500 , once a month
✔︎
​Swiggy - ₹200 discount on a minimum order of ₹1000, twice a month
✔︎
Free movie tickets - 2 per month (up to ₹250 each)
✔︎
International airport lounge access – 12 times per year
✔︎
Domestic airport lounge access – 2 times per quarter (quarterly card spend of ₹50,000 required)
✔︎
12 free golf rounds per year - 6 unconditional, additional 6 at ₹3 lakh yearly card spend
Annual Fee

₹3000

Minimum Income

₹6 lakhs per year

Annual Fee Offers
  • Welcome offer: 10,000 EDGE reward points worth ₹2000
  • Renewal offer: Renewal fee waived at ₹8 lakhs annual card spend

2% reward on shopping purchases 

  • 10 EDGE reward points worth ₹2, per ₹100 spent
  • Month spending limit - ₹20,000 per month

1% reward on other card spends

  • 5 EDGE reward points worth ₹1, per ₹100 spent
  • Important exclusions: No reward points on fuel, rent, wallet load, gold/jewellery, EMI, cash advances, education, insurance, utilities, payment of outstanding balances, card fees and other charges.

Milestone benefits at ₹3 lakh annual card spend: 5000 EDGE points worth ₹1000, at ₹3 lakh annual card spend (rent and wallet spends are not included)

Value of reward points (EDGE points)

  • Value: 1 EDGE point = ₹0.20
  • Redemption: Axis Bank rewards platform

Airport lounge access

  • International access through Priority Pass: Up to 12 visits per year - 6 unconditional visits, additional 6 visits at ₹3 lakh annual spending
  • Domestic: 8 visits per year, maximum 2 times per quarter (requires ₹50,000 spending in the previous quarter)

Grocery & Dining offers

  • BigBasket: ₹500 discount once a month, on a minimum order of ₹2500
  • Swiggy: ₹200 discount twice a month, on a minimum order of ₹1000
  • EazyDiner restaurants: 15% discount (up to ₹500), once a month; minimum transaction of ₹2500 required

Movies & golf

  • 2 free movie tickets per month (up to ₹250 each), through District app
  • Up to 12 free golf rounds per year: 6 unconditional, additional 6 rounds at ₹3 lakh yearly card spend

Fuel surcharge waiver up to ₹400 per month, valid only on fuel transactions between ₹400 and ₹4000

View More

Benefits

  • Good lifestyle benefits (airport lounges and golf), free movie tickets and partner specific programs with BigBasket, Swiggy and Eazydiner.
  • Decent rewards on offline shopping (unlike most cards which excel on online rewards only) 

Drawbacks to consider

  • High annual spending requirement for annual fee waivers  
  • Spending requirements to unlock lounge access
  • Reward rate on card spending is comparatively low, especially on travel spends

To read the full review of the card , please click here

IDEAL FOR TATA BRAND LOYALISTS & UTILITY BILL PAYMENTS

Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Up to 10% reward on Tata brands through Tata Neu app - 5% reward on partner brands, additional 5% on select brands
✔︎
5% reward on utility bill payments through Tata Neu app
✔︎
1.50% reward on UPI spends (on Rupay card version)
✔︎
Domestic airport lounge access - 2 times per quarter || International access - once per quarter
✔︎
Up to 6% cashback on travel, shopping and more - through HDFC Smartbuy (capped at ₹1000 per month)
Annual Fee

₹1499

Minimum Income

Salaried : ₹1 lakh per month || Self-employed : ₹12 lakhs per year

Annual Fee Offers
  • Welcome offer: 1499 NeuCoins worth ₹1499
  • Renewal offer: Annual fee waived on ₹3 lakh annual spend

Up to 10% Reward on Tata Brands via Tata Neu App

1. 5% Reward on Partner Tata Brands via the Tata Neu App (5 NeuCoins worth ₹5, per ₹100 spent)

2. Additional 5% Reward on Select Tata Brands, as Tata NeuPass Member (5 NeuCoins worth ₹5, per ₹100 spent)

  • NeuPass members earn an extra 5 NeuCoins per ₹100, on select Tata brands via the Tata Neu App. 
  • Requires downloading the Tata Neu App and registering for NeuPass. 

5% Reward on Bill Payments via Tata Neu App (5 NeuCoins worth ₹5, per ₹100) 

1.50% Reward on Other Card Purchases (1.5 NeuCoins worth ₹1.50, per ₹100) 

1.50% Reward on UPI Spends (RuPay Card)

  • 1.5 NeuCoins worth ₹1.50, per ₹100 
  • Capped at 500 NeuCoins per month

Value of Reward Points & Redemption

  • Reward points earned as NeuCoins
  • NeuCoins can be redeemed offline and online at partner Tata brands
  • Conversion Rate: 1 NeuCoin = ₹1

Excluded Transactions (No Rewards)

  • Fuel purchases & rental transactions
  • Government-related payments & wallet loads
  • Gift card, prepaid card & voucher purchases
  • Education payments through third-party apps 
  • Online gaming & betting transactions
  • Cash advances & cash withdrawals
  • Credit card bill payments, card fees & charges

Participating Tata brands include: 

  • Shopping: BigBasket (groceries), Croma (electronics), Westside & Tata Cliq (fashion), Titan/Tanishq (watches, eyewear, jewelry). 
  • Travel: Air India, Air India Express (flights), Taj, Ginger, Vivanta, Seleqtions (hotels). 
  • Others: Tata Play (entertainment), Cult Fit (fitness), Tata 1mg (healthcare), QMin (food delivery).

Airport Lounge Access

  • International: 1 complimentary visit per quarter. 
  • Domestic: 2 complimentary visits per quarter. 

From June 10, 2025: Domestic lounge access requires ₹50,000 spend per calendar quarter.

Fuel Surcharge Waiver

  • 1% waiver on fuel transactions between ₹400–₹5,000, up to ₹500 per month.

Complimentary Insurance Benefits

  • Accidental air death cover: ₹1 crore. 
  • Emergency overseas hospitalization: Up to ₹15 lakh. 
  • Lost card liability protection: Up to ₹9 lakh.

HDFC Smartbuy Platform Rewards (Up to 6% Cashback)

  • 6% Cashback on Hotels
  • 1.5% Cashback on Other Travel: Flight booking, IRCTC train tickets, RedBus bus tickets. 
  • 1.5% Cashback on Gift Vouchers 
  • Select Partners: Flipkart (1.5%), Apple (1.5%), IGP.com (6%). 
  • Maximum cashback: ₹1,000 per month, credited as NeuCoins (1 NeuCoin = ₹1).
  • NeuCoin Redemption: Redeem at Tata brands (online and offline stores/hotels).
View More

Benefits

  • High rewards on Tata brand purchases (especially those eligible for 10% reward)
  • Flexible reward redemption across Tata ecosystem
  • Domestic airport lounge access
  • International lounge access (not very common for cards in this range)
  • High rewards on utilities (utilities are often excluded for rewards by most cards)
  • Decent UPI rewards on RuPay variant 
  • Consumers looking to earn decent rewards on UPI spends
  • Good insurance coverage for travel and emergencies
  • Decent emergency medical cover of up to ₹15 lakhs overseas (not offered by most cards)

Drawbacks

  • Limited reward opportunities outside Tata brands 
  • Quarterly spend requirements for domestic lounge access
  • No lifestyle privileges like golf and movie offers

To read the full review of the card , please click here

BEST IN CLASS REWARDS STRUCTURE (UP TO 33%) AND LIFESTYLE BENEFITS

HDFC Bank INFINIA Metal Credit Card

HDFC Bank INFINIA Metal Credit Card - Our Money Guide Our Rating 4.50
Top Reasons to Choose
✔︎
33.3% reward on hotels and select partners
✔︎
16.6% reward on flights, gift vouchers, holiday packages, and more
✔︎
10% reward on IRCTC train tickets
✔︎
3.3% reward on other card spends
✔︎
Unlimited domestic & international airport lounge access
✔︎
Unlimited golf rounds in India and abroad
Annual Fee

₹12500

Minimum Income

By Invite

Annual Fee Offers
  • Welcome Offer: ₹12500 + 1 year Marriott membership
  • Renewal Offer: Renewal fee waived at ₹10 lakh annual spend, else 12500 reward points worth ₹12500 on payment of renewal fee

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform:

  • 10X (33.3%): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 5X (16.6%): Flights, buses, holiday packages, gift vouchers, Apple, Myntra, Nykaa
  • 3X (10%): IRCTC train bookings

▶︎ Regular Card Spending:

  • 1X (3.3%): All other purchases (unlimited earning)

▶︎ Monthly Limits:

Smartbuy categories (3X-10X): 15,000 accelerated reward points limit. Limit reached between ₹50,000 - ₹2.25 lakh monthly spending, depending on category mix - 

  • 10X categories: Limit reached at ₹50,000 spending
  • 5X categories: Limit reached at ₹1.12 lakh spending
  • 3X categories: Limit reached at ₹2.25 lakh spending

Regular spending (1X): No limits

▶︎ Reward Point Values:

  • ₹1 per point: Flight/hotel bookings, Apple products, Tanishq 
  • ₹0.50 per point: Vouchers and products
  • ₹0.30 per point: Cashback redemption

Note: Reward rates shown above assume optimal redemption for travel bookings

Premium Benefits

▶︎ Airport Lounge Access

  • Unlimited domestic & international lounge access 
  • Available for add-on cardholders also

▶︎ Golf & Hotels

  • Unlimited golf rounds worldwide, unlimited coaching lessons in India
  • ITC Hotels: Pay for 2 nights, stay 3. Dining discounts
  • Marriott Club membership (1 year): 15-20% F&B discounts, room rate savings

▶︎ Insurance Coverage

  • ₹3 crore accidental air death
  • ₹50 lakh overseas medical emergency
  • ₹9 lakh lost card 
  • ₹9 lakh credit shield protection

▶︎ Fuel Surcharge Waiver

  • Surcharge waiver up to ₹1,000 per month
  • Valid only on fuel transactions between ₹400 and ₹1 lakh
View More

Benefits

  • Best-in-class rewards program with up to 33.3% value
  • Comprehensive travel benefits including unlimited lounge access
  • Premium lifestyle privileges like unlimited golf
  • Lower foreign currency fees (2%)
  • Variety of shopping rewards through shopping vouchers (16% reward on shopping voucher purchases)
  • Annual fee easily offset by benefits and rewards on card spending

Drawbacks to consider

  • Invitation-only availability limits accessibility
  • High broad-based shopping rewards available only through shopping vouchers (not direct purchases)
  • Monthly caps on accelerated rewards
  • High rewards available mostly through travel redemptions, hence more suitable for frequent travellers only

All in all, this HDFC premium credit card is one of the best super premium credit cards in India.


To read the full review of the card , please click here

ONE OF INDIA'S BEST SUPER PREMIUM CREDIT CARDS, IDEAL FOR FREQUENT TRAVELLERS

HDFC Bank Diners Club Black Metal Credit Card

HDFC Bank Diners Club Black Metal Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
33.3% reward on hotels, select partners
✔︎
16.6% reward on flights, holiday packages, select partners
✔︎
10% reward on gift vouchers, train tickets, select partners
✔︎
3.3% on other card spends
✔︎
Unlimited domestic & international airport lounge access
✔︎
Complimentary golf rounds worldwide - 24 per year
Annual Fee

₹10000

Minimum Income

Salaried: ₹2.50 lakhs per month | Self-employed: ₹30 lakhs per year

Annual Fee Offers
  • Welcome Offer: Annual memberships of Club Marriott, Amazon Prime and Swiggy One (on spending ₹1.50 lakhs within 90 days)
  • Renewal Offer: Annual fee waived on ₹8 lakhs annual spend

Up to 33.3% Rewards on Card Spending

▶︎ HDFC Smartbuy Platform (3X-10X)

  • 33.3% (10X): Hotels, select partners (Jockey, PharmEasy, IGP.com)
  • 16.6% (5X): Flights, buses, holiday packages, Myntra, Nykaa, Zoom Car
  • 10% (3X): Gift vouchers, IRCTC train tickets, Apple

▶︎ Regular Card Spending

  • 6.6% (2X): Weekend dining at restaurants (Saturday/Sunday, maximum 1,000 points per day)
  • 3.3% (1X): All other purchases

▶︎ Monthly Limits

  • Smartbuy accelerated rewards: 10,000 points (reached at ₹33,333 - ₹1.5 lakh monthly spending, depending on category mix)
  • Weekend dining: 1,000 points per day maximum

▶︎ Reward Point Values

  • ₹1.00: Flight/hotel bookings (Smartbuy), airline/hotel loyalty transfers
  • ₹0.50: Vouchers and products
  • ₹0.30: Cashback redemption

Reward rates assume optimal redemption for travel bookings

Up to 2.5% Additional Reward, at ₹4 lakh quarterly spend

  • 2.5% additional reward: 10,000 bonus points worth ₹10,000, at ₹4 lakh quarterly spend
  • This is earned on top of your regular rewards across all spending categories

Premium Benefits

▶︎ Travel: Unlimited Airport Lounge Access & More

  • Unlimited domestic & international airport lounge access (includes add-on cards)
  • 2% forex markup on international transactions
  • 24/7 global concierge services

▶︎ Golf: 6 complimentary golf rounds per quarter globally

▶︎ Marriott Club Membership (1 year)

  • Up to 25% discount on F&B bills (max 20 guests)
  • Up to 20% discount on room rates in India, weekend rates in Asia Pacific
  • 20% discount on spa services at select hotels in India
  • Up to 20% off F&B at Asia Pacific Marriott hotels, ex-India (max 10 guests)
  • Up to 15% off Marriott Bonvoy on Wheels orders
  • 1 room upgrade certificate (max 2 nights, India hotels)
  • 1 certificate for 30% off best available rate (max 2 consecutive nights)

▶︎ Swiggy One Membership (1 year)

  • Dineout restaurants: Up to 40% off, 2 monthly ₹150 coupons (on bills of ₹1500+)
  • Food delivery: Free delivery on ₹149+ orders, up to 30% extra discounts, no surge fees
  • Instamart groceries: Free delivery on ₹199+ orders, exclusive discounts, no surge fees
  • Genie: Flat 10% off delivery fees on all orders

Insurance Coverage

  • ₹2 crore accidental air death cover
  • ₹50 lakh overseas medical emergency coverage
  • ₹9 lakh lost card liability protection
  • ₹55,000 baggage delay coverage (8+ hours, international flights)

Additional Benefits

  • Exclusive Diners Club offers and privileges
  • Premium customer service with dedicated support lines


View More

Suitable For:

  • Frequent travelers who can maximize the value of reward points, and value lounge access 
  • High spenders who can easily reach annual fee waiver & quarterly milestones 
  • Golf enthusiasts who will utilize the complimentary rounds
  • Status-conscious individuals who appreciate premium metal cards

Consider Alternatives If:

  • Your annual card spending is low (won't justify ₹10,000 fee)
  • You primarily shop at local merchants with limited Diners acceptance
  • You rarely travel or use premium services (lounge access, golf)
  • You prefer simple cashback over reward points management
  • You want a card with no annual fee

To read the full review of the card , please click here

ATTRACTIVE CASHBACK ON POPULAR PLATFORMS, WITH EASY ANNUAL FEE WAIVER REQUIREMENTS

HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
5% cashback at preferred partners - Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber. Monthly cashback limit - ₹1000
✔︎
At ₹1 lakh quarterly card spend - ₹1000 gift voucher OR Dreamsfolks airport lounge access voucher
Annual Fee

₹1000

Minimum Income

Salaried - ₹35,000 per month || Self-employed - ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : 1000 cashpoints worth ₹1000
  • Renewal offer : Annual fee waived on ₹1 lakh annual card spend

▶︎ 5% cashback at Amazon, Flipkart, Myntra, Tata CLiQ, Swiggy, Zomato, BookMyShow, Sony LIV, Cult.fit, and Uber

  • Monthly cashback limit: ₹1,000 (reached at ₹20,000 spending)
  • Note: Gift card/prepaid cards & voucher purchases earn 1% cashback.

▶︎ 1% cashback on other card spends 

Monthly cashback limit - ₹1000, reached at ₹1 lakh spending

Important exclusions include -

  • Fuel transactions
  • EMI transactions
  • Rent payments
  • Government transactions
  • Wallet loads 
  • Education payments through third-party apps

▶︎ Quarterly Milestone Benefit: Spend ₹1 lakh per quarter and choose:

  • ₹1,000 gift vouchers from select brands, OR
  • Dreamsfolks airport lounge access voucher

▶︎ Up to 10% cashback on travel, shopping, and more – through HDFC Smartbuy platform (maximum cashback of ₹1,000 per month)

  • 5% cashback on travel spends: flight bookings, hotel bookings, and bus tickets through RedBus or MakeMyTrip holiday packages.
  • 5% cashback on various gift vouchers: shopping, travel, dining, entertainment, and more.
  • 5% cashback at select partners: Myntra, Apple Imagine Tresor, Nykaa, and Zoom Car.
  • 10% cashback at select partners: Pharmeasy, IGP, and Jockey.

▶︎ 1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5,000

View More

Benefits

  • High cashback rates on popular online platforms
  • Reasonable annual fee with easy waiver conditions
  • Airport lounge access through milestone program
  • Comprehensive coverage of shopping and lifestyle needs
  • Additional benefits through Smartbuy platform

Drawbacks

  • Limited offline benefits for in-store shopping
  • Monthly spending caps on bonus cashback limits high spenders
  • Partner restrictions for 5% cashback rate

To read the full review of the card , please click here

BEST FOR ONLINE SPENDING

Cashback SBI Credit Card

Cashback SBI Credit Card - Our Money Guide Our Rating 4.50
Top Reasons to Choose
✔︎
5% cashback on online spends, 1% on other spends. Monthly cashback limit - ₹5000.
Annual Fee

₹999

Minimum Income

Not specified

Annual Fee Offers
  • Renewal fee offer: Annual fee waived on ₹2 lakhs annual spend
  • Welcome offer: Nil

▶︎ 5% cashback on online spends, 1% cashback on other spends (up to ₹5000 per month)

Important exclusions: No cashback given on the following spends – 

  • Rent/property management
  • Fuel purchases
  • Utility bills
  • Insurance payments
  • Wallet loads
  • School & educational services
  • Jewelry purchases
  • Railway bookings
  • EMI transactions
  • Standing instructions
  • Cash advances
  • Balance transfer
  • Non-customer-initiated spending like annual fees, late fees, and other fees & charges
  • Disputed transactions, returns, refunds & cancellations

Monthly cashback limit: 

  • ₹5,000 combined across all spending categories. 
  • Example: If you spend ₹1 lakh online (5% category), you'll earn the full ₹5,000 cashback limit, but no cashback on other purchases that month.

▶︎ 1% fuel surcharge waiver (up to ₹100 per month), valid only on fuel transactions between ₹500 and ₹3000

View More

Benefits

Strong online rewards program

  • 5% cashback on online purchases with minimal exclusions
  • ₹5,000 monthly cashback limit (higher than many competitors)
  • Annual fee waived at ₹2 lakh spending (reasonable given the high earning potential)

Ideal for digital-savvy consumers

  • Perfect for those who primarily shop online
  • Simple, transparent cashback structure
  • No complex redemption or point conversion required

Drawbacks

Limited offline value

  • Only 1% cashback on in-store purchases
  • Not suitable for cash/offline-heavy spenders

Missing features

  • No current welcome bonus or sign-up offer
  • Fewer premium perks compared to travel-focused cards (like airport lounge access)

To read the full review of the card , please click here

IDEAL FOR HEAVY FLIPKART & MYNTRA USERS AND OTHER PREFERRED PARTNERS

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
5% cashback on Flipkart (capped at ₹4000 per quarter)
✔︎
5% cashback on Cleartrip (capped at ₹4000 per quarter)
✔︎
7.50% cashback on Myntra (capped at ₹4000 per quarter)
✔︎
4% unlimited cashback on partners like Swiggy, Uber, PVR, Cult Fit
Annual Fee

₹500

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹30,000 per month

Annual Fee Offers
  • Welcome offers: Flipkart vouchers worth ₹250, 50% discount (up to ₹100) on Swiggy
  • Renewal offer: Annual fee waived on ₹3.50 lakh annual spending

7.50% cashback on Myntra. Quarterly Cashback Limit: ₹4000, reached at ₹53,333 spending

5% cashback on Flipkart. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

5% cashback on Cleartrip. Quarterly Cashback Limit: ₹4000, reached at ₹80,000 spending

4% unlimited cashback on Swiggy, Uber, PVR, Cult Fit

1% cashback on all other card spends 

Important exclusions (no cashback categories):

  • Utility & telecom bills
  • Education & rent payments
  • Wallet loads & government services
  • Insurance & gold/jewelry
  • Fuel purchases & financial institutions
  • Cash advances & loan repayments

EazyDiner restaurants: 15% discount, up to ₹500 per month

  • 15% discount, (up to ₹500) at restaurants through EazyDiner
  • Minimum order required to avail offer is ₹2500
  • Offer valid 1 time per month
  • Restaurant bill need to be paid through the EazyDiner app (PayEazy)

1% fuel surcharge waiver (up to ₹400 per month), valid only on fuel transactions between ₹400 and ₹4000

View More

Advantages 

  • High Cashback Rates on Large Online Platforms: 5% on Flipkart, 7.5% on Myntra
  • Other Diverse Preferred Partners: 4% cashback on popular merchants
  • Low Income Requirements: Accessible to middle-income earners
  • Additional Benefits: Dining discounts, fuel waivers
  • Simple Cashback System: No complex redemption process 

Disadvantages 

  • High Fee Waiver Threshold: ₹3.50 lakh annual spend requirement
  • Quarterly Caps: Limited cashback earning potential for very high spenders
  • Foreign Transaction Fee: 3.50% markup on international purchases

To read the full review of the card , please click here

DIGITAL CASHBACK CARD

HDFC Bank Pixel Play Credit Card

HDFC Bank Pixel Play Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
5%
Cashback on any 2 categories of your choice - travel || grocery || electronics || fashion || dining & entertainment (up to ₹500 per month)
3%
Cashback on any one of the following - Amazon || Flipkart || HDFC PayZapp (up to ₹500 per month)
5%
Cashback on HDFC Smartbuy platform (maximum cashback of ₹500 per month)
Annual Fee

₹500

Minimum Income

Salaried : ₹25000 per month || Self-employed : ₹6 lakhs per year

Annual Fee Offers
  • Welcome offer : Annual fee waived, if you spend ₹20,000 or more on your card within 90 days of card issuance
  • Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹1 lakh or more on your card in the previous year

5% cashback (up to ₹500 per month) on any 2 of the below categories-

  • Dining & entertainment category – BookMyShow & Zomato
  • Travel category – MakeMyTrip & Uber
  • Grocery category – Blinkit & Reliance Smart Bazaar
  • Electronics category – Croma & Reliance Digital
  • Fashion category – Nykaa & Myntra

- You get 5 PIXEL CashPoints, on every ₹100 you spend on your card in the 2 categories of your choice. 1 PIXEL CashPoint = ₹1

- Cashback is given in the form of PIXEL CashPoints in HDFC PayZapp wallet, and can be used to purchase brand vouchers inside the HDFC Payzapp app

3% cashback  (up to ₹500 per month) on any one of the following e-commerce merchants : Amazon or Flipkart or PayZapp

  • Earn 3 PIXEL CashPoints, on every ₹100 you spend on the merchant you choose. 
  • 1 PIXEL CashPoint = ₹1

1% cashback on all other card spends

  • You get 1 PIXEL CashPoints, on every ₹100 you spend on all other card spends. 1 PIXEL CashPoint = ₹1
  • Exceptions : No reward points are given on the following spends - fuel, EMI, rent, e-wallet loads, government related transactions.

5% cashback (up to ₹500 per month) through HDFC Smartbuy platform on the following merchants and categories-

  • IGP
  • Flights
  • Hotels
  • Bus
  • Rail
  • Instant Vouchers
  • Apple Imagine Tresor

1% fuel surcharge waiver (up to ₹250 per month), valid only on fuel transactions between ₹400 and ₹5000 

View More

Benefits

  • Good cashback rates on various categories
  • Ability to choose cashback categories of your choice

Drawbacks to consider

  • You could get higher cashback rates on some other cashback cards

To read the full review of the card , please click here

PREMIUM COBRANDED CARD, BEST FOR SHOPPING AT RELIANCE STORES

Reliance SBI Card PRIME

Reliance SBI Card PRIME - Our Money Guide Our Rating 4.0
Top Reasons to Choose
2.50%
Benefit at participating ‘Reliance Retail Stores’
Upto 2.9%
Additional benefit at participating ‘Reliance Retail Stores’– at ₹3 lakh annual card spend at Reliance Retail Stores
✔︎
Up to 10% special discounts, at participating Reliance Retail Stores
✔︎
Complimentary airport lounge access in India (2 per quarter), and abroad (4 times per year, maximum 2 times per quarter)
✔︎
1 free movie ticket (up to ₹250) every month
Annual Fee

₹2999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : Reliance Retail voucher worth ₹3000, on payment of joining fees || Additional discount vouchers worth ₹11999, of various participating Reliance Retail Stores.
  • Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹3 lakh or more in the previous year.

Up to 7.9% reward at participating Reliance Retail Stores

  • 5% reward on AJIO & JioMart Online Stores, 2.50% reward on other Reliance stores 
  • Up to 2.9% additional reward based on annual card spends at  Reliance stores

1.25% benefit on dining, movies & entertainment, domestic airlines, international spends

  • You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.
  • 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.50% benefit on all other card spends

  • You earn 2 reward points worth ₹0.50(50 paise), on every ₹100 you spend on all other spends.
  • 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.
  • Exceptions: No reward points are given on following card spends – fuel, property rental, wallet upload.

Fuel surcharge waiver up to ₹100 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary international airport lounge access – 4 times per year (maximum 2 times per quarter)

Complimentary domestic airport lounge access – 2 times per quarter

Movie benefits at Book My Show, up to ₹3000 per year : You get 1 complimentary movie ticket each month, up to ₹250.

View More

Benefits

  • Good card for regular shoppers at various Reliance Retail outlets – you can earn up to 7.9% reward on these spends if you utilise the milestone benefits also
  • Complimentary access to airport lounges both in India (2 times per quarter) and abroad (4 times per year)
  • Movie benefits

Drawbacks to consider

  • You need to consider other credit cards to earn higher rewards on non-Reliance Retail card spends

To read the full review of the card , please click here

YES BANK PREMIUM CARD - ATTRACTIVE REWARDS ON ONLINE SPENDING || RANGE OF LIFESTYLE BENEFITS

Yes Bank Marquee Credit Card

Yes Bank Marquee Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
4.50% reward on online shopping
✔︎
2.25% reward on offline shopping
✔︎
Unlimited international airport lounge access
✔︎
Domestic airport lounge access – 6 times per quarter
✔︎
4 free golf rounds per year, 1 free golf lesson per month
✔︎
Bookmyshow movie tickets: 3 tickets per month (up to ₹800 each)
✔︎
Low forex fee of 1% on international transactions
Annual Fee

₹4999

Minimum Income

₹3 lakh per month (salaried) || ₹36 lakhs per year (self-employed)

Annual Fee Offers
  • Welcome offer : 40,000 reward points worth ₹10000
  • Renewal offer : Annual fee waiver at ₹10 lakh annual card spend

4.50% reward on online spend, 2.25% on offline 

  • Online spends: 18 rewards points worth ₹4.50, per ₹100 spent 
  • Offline spends: 9 rewards points worth ₹2.25 per ₹100 spent

Value of reward points: Each point valued at ₹0.25 (flight/hotel bookings), value varies on other redemption options

Monthly Reward Caps & Restrictions

  • Overall cap: 1 lakh reward points monthly (reached at ₹5.55 lakh spend, even at maximum 4.50% reward rate)
  • Utilities cap: 1,250 reward points monthly at reduced 1.25% rate
  • Reduced categories (1.25%): Utilities, insurance, education, media & streaming
  • No rewards: Fuel, rent, wallet loads, government, EMI, cash withdrawals, fees

Unlimited international airport lounge access (for both primary and add-on cardholders)

Domestic airport lounge access

  • 6 visits per quarter (for both primary and add-on cardholders)
  • Requires ₹1 lakh spend in the previous quarter.

4 free golf rounds per year (maximum 1 per month) , and 1 free golf lesson per month

Bookmyshow 'Buy One Get One Free' Offer: Free movie tickets (up to ₹800 each), valid 3 times per month 

Low forex fee of 1% on international transactions

Fuel surcharge waiver (up to ₹1000 per month), valid only on  fuel transactions between ₹400 and ₹5000 only

Complimentary insurance benefits

  • Lost card liability: ₹15 lakh fraud protection
  • Credit shield: ₹15 lakh coverage for dependents in case of cardholder death
  • Purchase protection: 6-month coverage for mobile/electronic devices bought online (accidental damage)
View More

Benefits

  • High online shopping rewards (4.50%)
  • Unlimited international lounge access
  • Generous domestic lounge access
  • Low foreign transaction fees (1%)
  • 3 free movie tickets per month (under BOGO offer)

Drawbacks to consider

  • High income requirements
  • High rewards possible only through travel redemptions, popular e-vouchers have lower redemption value
  • Compared to the best premium cards, relatively lower reward on travel spends 
  • Quarterly spend requirement for domestic lounges

To read the full review of the card , please click here

Good Grocery Shopping Rewards & Movie Discounts

RBL Bank Shoprite Credit Card

RBL Bank Shoprite Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
5%
Reward on grocery purchases up to ₹5000 per month
10%
Discount (up to ₹100) on BookMyShow movie tickets - 15 times a year
Annual Fee

₹500

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer: 2000 reward points worth ₹500
  • Renewal offer: Annual fee waived at ₹1.50 lakh annual spend

5% reward on grocery purchases up to ₹5000 per month

  • Earn 20 reward points worth ₹5, on every ₹100 spent on grocery purchases
  • Reward points redemption: 1 reward point = up to ₹0.25, and can be redeemed on RBL's rewards redemption platform. On certain redemptions you can get a lower reward point value.
  • Maximum reward points given at this earning rate is 1000 per month, which cardholders will reach when they spend ₹5000 on groceries in a month

0.25% reward on all other card spends

  • Earn 1 reward point worth ₹0.25, on every ₹100 spent on all other card purchases
  • 1 reward point = up to ₹0.25, and can be redeemed on RBL's rewards redemption platform. On certain redemptions you can get a lower reward point value.
  • Important exclusions: No fuel points are given on the following spends -  Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), Fees & Charges, and GST.

10% discount (up to ₹100) on movie tickets on BookMyShow -15 times a year

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹4000 

View More

Benefits

  • Good reward on grocery purchases
  • Movie discounts

Drawbacks to consider

  • High grocery shopping rewards are restricted to grocery shopping of ₹5000 per month
  • Reward rates on non-grocery spending is comparatively low

To read the full review of the card , please click here
Load More

Comparing Best Entry-Level Grocery Credit Cards: 10% Grocery Rewards

  • HSBC Live+ Credit Card provides 10% reward on all grocery purchases, the other cards provide grocery rewards at specific merchants like BigBasket, Blinkit or Instamart. 
  • Moreover, one should look at other factors before choosing the best card for oneself - annual fee and offers, eligibility requirements, and non-grocery rewards.
Card Name Annual Fee Benefits

Airtel Axis Bank Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 500
  • Welcome Offer: ₹500 Amazon voucher on first card transaction (within the first 30 days of card issuance)
  • Renewal offer: Annual fee waived on ₹2 lakhs annual spend
 Special Benefits
  • 25% cashback (up to ₹250 per month) on Airtel services via Airtel Thanks app (mobile, broadband, wifi, DTH TV)
  • 10% cashback (up to ₹250 per month) on utility bill payments via Airtel Thanks app (electricity, water, gas)
  • 10% cashback (up to ₹500 per month) at BigBasket, Swiggy, Zomato
  • Domestic airport lounge access - 4 times per year

Swiggy HDFC Bank Credit Card

Minimum Income

Salaried : ₹15,000 per month || Self-employed : ₹6 lakhs per year

 Annual Fee - ₹ 500
  • Welcome offer: 3-month Swiggy One Membership
  • Renewal offer: Annual fee waived on ₹2 lakhs annual spend
 Special Benefits
  • 10% cashback (up to ₹1500 per month) on Swiggy apps - Food orders, Instamart groceries, Dineout restaurants
  • 5% cashback (up to ₹1500 per month) on online purchases, including Amazon and Flipkart 
  • 4 free golf rounds per year, 1 free golf lesson per month

Axis Bank NEO Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 0
  • Welcome offer: Nil
 Special Benefits
  • Blinkit - 10% discount (up to ₹250 per month)
  • Zomato - ₹120 discount, 2 times per month | Minimum order of ₹499
  • Utility bills through Paytm - 5% discount (up to ₹150 per month), on mobile recharge, broadband, DTH
  • BookMyShow movie tickets - 10% discount (up to ₹100 per month)
  • Myntra - ₹150 discount | Minimum order of ₹999 required
  • EazyDiner restaurants - 15% discount (up to ₹500), 1 time per month. Minimum transaction of ₹2500 required
  • Lifetime free 

HSBC Live+ Credit Card

Minimum Income

₹6 lakhs per year

 Annual Fee - ₹ 999
  • Welcome offer: ₹1000 cashback, at card spend of ₹20000 within 30 days of card issuance
  • Renewal offer: Annual fee waived on annual spend of ₹2 lakhs
Special Benefits
  • 10% cashback on grocery, dining & food delivery. Monthly cashback limit - ₹1000  
  • 1.50% unlimited cashback on other card spends
  • Domestic airport lounge access - 4 per year

Comparing Best Premium Grocery Credit Cards: Up to 20% Grocery Rewards

  • Axis Bank SELECT Credit Card has an attractive BigBasket offer (up to 20% grocery reward).
  • While the base reward on the HDFC Bank INFINIA Credit Card (Metal) and HDFC Bank Diners Club Black Metal Edition Credit Card is 3.3%, cardholders can get high rewards on grocery shopping if they buy grocery shopping vouchers through HDFC Smartbuy platform. On grocery shopping voucher purchases, cardholders can earn up to 16.6% reward since these voucher purchases come under the 5X rewards program.
Card Name Annual Fee Benefits

Axis Bank SELECT Credit Card

Minimum Income

₹6 lakhs per year

 Annual Fee - ₹ 3000
  • Welcome offer: 10,000 EDGE reward points worth ₹2000
  • Renewal offer: Renewal fee waived at ₹8 lakhs annual card spend
 Special Benefits
  • 2% reward on shopping, on purchases up to ₹20,000 per month
  • BigBasket - ₹500 discount on a minimum order of ₹2500 , once a month
  • Swiggy - ₹200 discount on a minimum order of ₹1000, twice a month
  • Free movie tickets - 2 per month (up to ₹250 each)
  • International airport lounge access – 12 times per year
  • Domestic airport lounge access – 2 times per quarter (quarterly card spend of ₹50,000 required)
  • 12 free golf rounds per year - 6 unconditional, additional 6 at ₹3 lakh yearly card spend

HDFC Bank INFINIA Metal Credit Card

Minimum Income

By Invite

 Annual Fee - ₹ 12500
  • Welcome Offer: ₹12500 + 1 year Marriott membership
  • Renewal Offer: Renewal fee waived at ₹10 lakh annual spend, else 12500 reward points worth ₹12500 on payment of renewal fee
 Special Benefits
  • 33.3% reward on hotels & select partners 
  • 16.6% reward on flights, gift vouchers, holiday packages, and select partners
  • 10% reward on IRCTC train tickets 
  • 3.3% reward on other card spends (certain exceptions apply)

Monthly limit: 15,000 accelerated reward points, reached at spending between ₹50,000 and ₹2.25 lakhs depending on spend categories

  • Unlimited domestic & international airport lounge access
  • Unlimited golf in India & abroad

HDFC Bank Diners Club Black Metal Credit Card

Minimum Income

Salaried: ₹2.50 lakhs per month | Self-employed: ₹30 lakhs per year

 Annual Fee - ₹ 10000
  • Welcome Offer: Annual memberships of Club Marriott, Amazon Prime and Swiggy One (on spending ₹1.50 lakhs within 90 days)
  • Renewal Offer: Annual fee waived on ₹8 lakhs annual spend
 Special Benefits
  • 33.3% reward on hotels, select partners
  • 16.6% reward on flights, holiday packages, select partners
  • 10% reward on gift vouchers, train tickets, select partners
  • 3.3% reward on other card spends

Monthly limit: 10,000 accelerated reward points, reached at spending between ₹33,333 and ₹1.50 lakhs (depending on spending categories)

  • Up to 2.50% additional rewards at ₹4 lakh quarterly card spend
  • Unlimited airport lounge access in India and abroad. 
  • Complimentary golf rounds worldwide - 24 per year

Best Credit Card for Groceries and Dining

Swiggy HDFC Bank Credit Card is a good choice for the best credit card for groceries and dining. It offers 10% reward on groceries (through its Instamart grocery app), 10% reward on food delivery, and also 10% reward at restaurants (through Dineout). Hence it a very good choice if you are looking to earn high rewards on both groceries and dining through a single card. 

Lifetime Free Grocery Credit Card

Currently Axis Bank NEO Credit Card is being offered as a lifetime free credit card. This card offers 10% discount on Blinkit (online groceries) purchases up to ₹2500 per month, since the maximum cashback is capped at ₹250 per month, and hence can be a good card for looking for a lifetime free grocery credit card. 

In conclusion, the best grocery store credit card depends on your personal circumstances & preferences, your spending patterns, whether you want a specialist or an all-round credit card. There is no single card that is best for everyone.

How Our Money Guide Works

  • Wide Range of Credit Cards: Our Money Guide brings together a wide range of credit cards from the industry. This helps you choose from a wider bucket and make informed decisions.
  • Quick & Easy Comparison: Our Money Guide makes it easy to compare credit cards on the most important parameters like fees, benefits, eligibility, and annual fee-related offers.
  • Expert Insights: Our Money Guide's team has deep experience in consumer finance. This helps you get honest reviews and trusted information on the most important decision-making parameters, helping you choose better.
  • Simplified Application Process: Our Money Guide website pages contain Apply Now buttons at relevant spots, which help you apply easily from the comfort of your home or office.

Best Grocery Shopping Credit Cards - By Bank

Other Credit Card Features