SBI Grocery Shopping Credit Cards in India 2026

2.50% cashback on departmental store, grocery, and dining spends

• 10 reward points worth ₹2.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.
• Monthly limit - 10,000 reward points, reached at ₹1 lakh monthly spending

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
• Important exclusions: No reward points are given on fuel, utilities, rent, wallets, education, jewelry, gaming platforms, government spends

Up to 1.50% additional cashback based on annual card spending (milestone privileges program)

• You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend (0.8% reward)
• You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend (1.25% reward)
• You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend (1.75% reward)
• You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend (1.5% reward)
• Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.

Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback

Complimentary domestic airport lounge access – 8 times per year (maximum 2 times per quarter)

Complimentary international airport lounge access – 6 times per year (maximum 2 visits per quarter)

• The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
• You get complimentary Priority Pass membership worth US$ 99
• You also get 6 free airport lounge visits per year (maximum 2 visits per quarter)

2 free movie tickets (up to ₹250 each) every month through Bookmyshow

• To avail this offer, you need to book at least 2 movie tickets.
• For example, if you book 2 tickets costing ₹250 each, you will get a ₹500 discount and pay only the convenience fee.
• Hence, you can get free movie tickets worth ₹6,000 every year (₹500 per month).

Low fee of 1.99% on international spends 

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4000

Fraud liability cover: You get a complimentary credit card fraud liability cover of ₹1 lakh.

▶︎ 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

7.25% Reward on BPCL Fuel 

• 6.25% rewards: 25 points worth ₹6.25, per ₹100 spent. Monthly limit: 2500 reward points worth ₹625, reached at ₹10,000 monthly spend.
• 1% fuel surcharge waiver: Valid on fuel transactions up to ₹4,000. Monthly limit: - ₹100, reached at ₹10,000 monthly spend 
• Includes: BPCL lubricants and Bharat Gas (500 points monthly limit on Bharat Gas)

2.5% rewards on shopping & entertainment 

• Categories: Groceries, department stores, movies, dining
• Earning rate: 10 points worth ₹2.50, per ₹100 spent
• Monthly limit: 7,500 reward points across all categories combined, reached at ₹75,000 monthly spend 

0.25% rewards on other purchases

• Earning rate: 1 point per ₹100 (₹0.25 value)
• Coverage: Includes UPI spending on RuPay variants
• Important exclusions: Wallet loads, rent payments, non-BPCL fuel purchases

Value of reward points & redemption

• Value: 1 point = ₹0.25
• Method: BPCL voucher purchases via SBI Card rewards platform, instant redemption of points at select BPCL outlets

Upto 0.6% Annual Milestone Reward (At ₹3 lakh spend)

• Gift vouchers: ₹2,000 value (0.66% additional reward)
• Options: Aditya Birla Fashion, Yatra, Bata/Hush Puppies

Domestic airport lounge access: 4 visits annually (maximum 1 per quarter) 

Fraud protection: ₹1 lakh liability cover for card misuse

Up to 5.3% reward at participating Reliance Retail Stores

• 2.50% reward on AJIO & JioMart Online Stores, 1.25% reward on other Reliance stores 
• Up to 2.8% additional reward based on annual card spends at  Reliance stores 

Participating Reliance Stores include-

• Fashion : Ajio, Trends, Trends Footwear, Trends Man, Trends Woman, Trends Junior, Centro, Zivame, Centro Footwear
• Grocery : Smart Bazaar, Smart Point, Smart, Metro, Bismi Hypermart, Milkbasket, Freshpik
• Consumer electronics : Reliance Digital, JioMart Digital, MyJio stores, Jio Point, Bismi Connect
• Consumer marketplace : JioMart
• Home and living : Urban Ladder, Portico
• Pharma : Netmeds Pharmacy, NetMeds.com

1.25% benefit on the following spend categories –  dining || movies 

• 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.

0.25% benefit on all other card spends

• You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card transactions.
• 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.

Special discounts up to 5%, at participating Reliance Retail Stores

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

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.

UPI enabled card

1.66% reward on departmental stores & grocery spends || dining spends || movie spends

• 6.66 reward points worth ₹1.66, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), can be redeemed on SBI Card’s rewards redemption platform.

0.16% reward on all other card spends

• 0.66 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card transactions
• 1 reward point = ₹0.25 (25 paise), can be redeemed on SBI Card’s rewards redemption platform.

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

2.50% cashback on departmental store, grocery purchases, movie & dining spends

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback
• Monthly limit: 7500 reward points, reached at ₹7500 monthly spending 

0.50% cashback on all other credit card spends 

• Earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.
• Exceptions: No reward points are given on the following card spends - fuel, rent, government transactions.

Up to 2.2% additional reward through milestone benefits

• Pizza Hut e-voucher worth ₹1000, at ₹50000 quarterly card spend - 2% benefit
• Yatra.com/Pantaloons e-gift voucher worth ₹7000, at ₹5 lakh annual card spend - 1.4% benefit
• Hence you could earn vouchers worth ₹11000 if you achieve all the above quarterly spend targets, as well as the annual card spend target of ₹5 lakhs - 2.2% benefit

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 4 times per year (maximum 2 per quarter)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Complimentary credit card fraud liability cover of ₹1 lakh: This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders

1.66% reward (10X) on the following card spends - departmental stores || groceries || dining || movies 

• Earn 6.6 reward points worth ₹1.6, on every ₹100 you spend in these categories
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

0.16% reward (X) on all other card purchases 

• Earn 0.6 reward points worth ₹0.16 (16 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed on SBI Card's rewards redemption platform

Fuel surcharge waiver up to ₹100 per month, valid only on fuel purchases between ₹500 and ₹3000

10% cashback on PhonePe transactions (including recharges, bills, insurance, travel). 

• Monthly limit: ₹2000 cashback, ₹20,000 spending

5% cashback on online spend 

• Monthly limit: ₹2000 cashback, ₹40,000 spending

1% cashback on UPI transactions (RuPay variant only)

• Monthly limit: ₹2000 cashback, ₹2 lakh spending

4 free domestic airport lounge visits per year

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500-₹4,000