Best credit cards for online shopping and groceries we compare
Most shopping cards pay their best rate only on named apps or merchants, with a monthly cap. Match the card to where you actually spend.
23 cards · last verified 20 Oct 2026 · how we rank
Compare online shopping and groceries cards
- 1CASHBACK SBI Card
5% on online shopping · 1% base · ₹999 joining, ₹999 a year
Apply nowVia our referral partner. We may earn a commission. - 2HDFC Bank Millennia Credit Card
5% on online shopping · 1% base · ₹1,000 joining, ₹1,000 a year
Apply nowVia our referral partner. We may earn a commission. - 3Swiggy BLCK HDFC Bank Credit Card
5% on online shopping · 1% base · ₹1,000 joining, ₹1,000 a year
View on HDFC Bank siteIssuer's site. We don't earn from this card. - 4PhonePe SBI Card SELECT BLACK
5% on online shopping · 1% base · ₹1,499 joining, ₹1,499 a year · UPI
View on PhonePe siteIssuer's site. We don't earn from this card. - 5HDFC Bank Diners Club Black Metal Edition Credit Card
3.33% on online shopping · 3.33% base · ₹10,000 joining, ₹10,000 a year
View on HDFC Bank siteIssuer's site. We don't earn from this card. - 6HDFC Bank INFINIA Credit Card Metal Edition
3.33% on online shopping · 3.33% base · ₹12,500 joining, ₹12,500 a year
View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. - 7HDFC Bank PIXEL Play Credit Card
3% on online shopping · 1% base · ₹500 joining, ₹500 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 8ICICI Bank Emeralde Private Metal Credit Card
3% on online shopping · 3% base · ₹12,499 joining, ₹12,499 a year
View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. - 9HSBC Premier Credit Card
3% on online shopping · 3% base · ₹12,000 joining, ₹20,000 a year
View on HSBC siteIssuer's site. We don't earn from this card. - 10CheQ AU Credit Card (AU Small Finance Bank)
2.5% on online shopping · 0.5% base · Lifetime free · UPI
Apply nowVia our referral partner. We may earn a commission. - 11PhonePe SBI Card PURPLE
2% on online shopping · 1% base · ₹499 joining, ₹499 a year · UPI
View on PhonePe siteIssuer's site. We don't earn from this card. - 12HDFC Bank MoneyBack+ Credit Card
2% on online shopping · 0.2% base · ₹500 joining, ₹500 a year
Apply nowVia our referral partner. We may earn a commission. - 13HSBC Live+ Credit Card
1.5% on online shopping · 1.5% base · ₹999 joining, ₹999 a year
Apply nowVia our referral partner. We may earn a commission. - 14Tata Neu Infinity HDFC Bank Credit Card
1.5% on online shopping · 1.5% base · ₹1,499 joining, ₹1,499 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 15Amazon Pay ICICI Bank Credit Card
1% on online shopping · 1% base · Lifetime free
View on Amazon siteIssuer's site. We don't earn from this card. - 16HSBC RuPay Cashback Credit Card
1% on online shopping · 1% base · ₹499 joining, ₹499 a year · UPI
View on HSBC siteIssuer's site. We don't earn from this card. - 17Tata Neu Plus HDFC Bank Credit Card
1% on online shopping · 1% base · ₹499 joining, ₹499 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 18Flipkart Axis Bank Credit Card
1% on online shopping · 1% base · ₹500 joining, ₹500 a year
Apply nowVia our referral partner. We may earn a commission. - 19RBL Bank ShopRite Credit Card
0.25% on online shopping · 0.25% base · ₹500 joining, ₹500 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 20Jupiter Edge+ RuPay Credit Card (CSB Bank)
– on online shopping · 1% base · ₹999 joining, no annual fee · UPI
Apply nowVia our referral partner. We may earn a commission. - 21YES BANK POP-CLUB Credit Card
– on online shopping · – base · Free joining, ₹399 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 22IDFC FIRST Bank HPCL FIRST Power+ Credit Card
– on online shopping · 0.5% base · ₹499 joining, ₹499 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 23SimplyCLICK SBI Card
– on online shopping · – base · ₹499 joining, ₹499 a year
Apply nowVia our referral partner. We may earn a commission.
| # | Card | Online shopping | Base rate | Fees | UPI | Apply |
|---|---|---|---|---|---|---|
| 1 | CASHBACK SBI CardSBI Card | 5% | 1% | ₹999 joining, ₹999 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 2 | HDFC Bank Millennia Credit CardHDFC Bank | 5% | 1% | ₹1,000 joining, ₹1,000 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 3 | Swiggy BLCK HDFC Bank Credit CardHDFC Bank | 5% | 1% | ₹1,000 joining, ₹1,000 a year | No | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 4 | PhonePe SBI Card SELECT BLACKSBI Card | 5% | 1% | ₹1,499 joining, ₹1,499 a year | Yes | View on PhonePe siteIssuer's site. We don't earn from this card. |
| 5 | HDFC Bank Diners Club Black Metal Edition Credit CardHDFC Bank | 3.33% | 3.33% | ₹10,000 joining, ₹10,000 a year | No | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 6 | HDFC Bank INFINIA Credit Card Metal EditionHDFC Bank | 3.33% | 3.33% | ₹12,500 joining, ₹12,500 a year | No | View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| 7 | HDFC Bank PIXEL Play Credit CardHDFC Bank | 3% | 1% | ₹500 joining, ₹500 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 8 | ICICI Bank Emeralde Private Metal Credit CardICICI Bank | 3% | 3% | ₹12,499 joining, ₹12,499 a year | No | View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| 9 | HSBC Premier Credit CardHSBC | 3% | 3% | ₹12,000 joining, ₹20,000 a year | No | View on HSBC siteIssuer's site. We don't earn from this card. |
| 10 | CheQ AU Credit Card (AU Small Finance Bank)AU Small Finance Bank | 2.5% | 0.5% | Lifetime free | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 11 | PhonePe SBI Card PURPLESBI Card | 2% | 1% | ₹499 joining, ₹499 a year | Yes | View on PhonePe siteIssuer's site. We don't earn from this card. |
| 12 | HDFC Bank MoneyBack+ Credit CardHDFC Bank | 2% | 0.2% | ₹500 joining, ₹500 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 13 | HSBC Live+ Credit CardHSBC | 1.5% | 1.5% | ₹999 joining, ₹999 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 14 | Tata Neu Infinity HDFC Bank Credit CardHDFC Bank | 1.5% | 1.5% | ₹1,499 joining, ₹1,499 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 15 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | 1% | Lifetime free | No | View on Amazon siteIssuer's site. We don't earn from this card. |
| 16 | HSBC RuPay Cashback Credit CardHSBC | 1% | 1% | ₹499 joining, ₹499 a year | Yes | View on HSBC siteIssuer's site. We don't earn from this card. |
| 17 | Tata Neu Plus HDFC Bank Credit CardHDFC Bank | 1% | 1% | ₹499 joining, ₹499 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 18 | Flipkart Axis Bank Credit CardAxis Bank | 1% | 1% | ₹500 joining, ₹500 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 19 | RBL Bank ShopRite Credit CardRBL Bank | 0.25% | 0.25% | ₹500 joining, ₹500 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 20 | Jupiter Edge+ RuPay Credit Card (CSB Bank)CSB Bank | – | 1% | ₹999 joining, no annual fee | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 21 | YES BANK POP-CLUB Credit CardYES BANK (co-brand with Pop Club) | – | – | Free joining, ₹399 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 22 | IDFC FIRST Bank HPCL FIRST Power+ Credit CardIDFC FIRST Bank | – | 0.5% | ₹499 joining, ₹499 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 23 | SimplyCLICK SBI CardSBI Card | – | – | ₹499 joining, ₹499 a year | No | Apply nowVia our referral partner. We may earn a commission. |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.Ranking never depends on whether we earn from a card.
The cards in detail
- Apply nowVia our referral partner. We may earn a commission.
1. CASHBACK SBI Card
Flat cashback card: 5% on online spends and 1% on offline spends, capped at ₹4,000 a statement cycle.
₹999 joining, ₹999 a year
- Apply nowVia our referral partner. We may earn a commission.
2. HDFC Bank Millennia Credit Card
Cashback as CashPoints worth ₹1 each against your bill: 5% at 10 online merchants (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV) and 1% on most other spends, each capped at ₹1,000 a month. Fuel, rent, wallet loads, EMI and government payments earn nothing.
₹1,000 joining, ₹1,000 a year
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
3. Swiggy BLCK HDFC Bank Credit Card
Cashback taken off your card bill: 10% on the Swiggy app (food delivery, Instamart, Dineout) up to ₹1,500 a billing cycle, 5% on online spends at listed merchants such as Amazon, Flipkart, Myntra, Nykaa, Cleartrip and BookMyShow up to ₹1,500, and 1% on most other spends up to ₹1,000, so at most ₹4,000 a cycle. Fuel, rent, wallet loads, gift cards, jewellery, gaming, education, EMI and government payments earn nothing. New cardholders get 3 months of Swiggy BLCK membership.
₹1,000 joining, ₹1,000 a year
- View on PhonePe siteIssuer's site. We don't earn from this card.
4. PhonePe SBI Card SELECT BLACK
Reward points worth ₹1 each: 10% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 5% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions.
₹1,499 joining, ₹1,499 a year
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
5. HDFC Bank Diners Club Black Metal Edition Credit Card
5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Double points at standalone restaurants on Saturdays and Sundays, 10,000 bonus points each calendar quarter you spend ₹4 lakh, and up to 10 times the points on travel and shopping through SmartBuy. Fuel, rent, wallet loads, EMI and government payments earn nothing.
₹10,000 joining, ₹10,000 a year
- View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
6. HDFC Bank INFINIA Credit Card Metal Edition
5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Up to 10 times the points on travel and shopping through SmartBuy, within 15,000 bonus points a month. Fuel, rent, wallet loads and government payments earn nothing.
₹12,500 joining, ₹12,500 a year
- Apply nowVia our referral partner. We may earn a commission.
7. HDFC Bank PIXEL Play Credit Card
Cashback as CashPoints: 5% on two merchant packs you choose, 3% on one e-commerce platform you choose, 5% on SmartBuy, 1% on everything else; all capped monthly, and fuel and rent earn nothing.
₹500 joining, ₹500 a year
- View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
8. ICICI Bank Emeralde Private Metal Credit Card
6 reward points per ₹200 on most spends: about 3% back if you use the points for flight and hotel vouchers or select brand vouchers (₹1 a point), 1.8% on catalogue products (₹0.60 a point) or 1.2% as statement credit (₹0.40 a point). 12,500 bonus points each time the joining or annual fee is paid, EaseMyTrip flight vouchers worth ₹6,000 at ₹8 lakh of yearly spend, and buy-one-get-one BookMyShow tickets (up to ₹750 off, twice a month). Fuel, rent, government, tax and wallet payments earn nothing.
₹12,499 joining, ₹12,499 a year
- View on HSBC siteIssuer's site. We don't earn from this card.
9. HSBC Premier Credit Card
3 reward points per ₹100, and HSBC values a point at ₹1 when you redeem it for Apple products or for flights and hotels on its Travel with Points portal, so about 3% back. Points also move 1:1 to 11 airline programmes (including Air India, Singapore Airlines and British Airways) and 4 hotel programmes, and never expire; gift cards and merchandise are priced in HSBC's app. Bookings made through the portal earn more (up to 36 points per ₹100 on hotels). New cards issued by 31 Dec 2026 get 20,000 bonus points on the first purchase within 30 days. Fuel earns nothing, and utility bills, insurance, rent, wallet loads and similar payments earn only on the first ₹1 lakh a month combined.
₹12,000 joining, ₹20,000 a year
- Apply nowVia our referral partner. We may earn a commission.
10. CheQ AU Credit Card (AU Small Finance Bank)
Earns CheQ Points at headline 1% to 12% rates, worth about half as much in rupees when redeemed on gift cards or travel; best on CheQ-app bills, flights and hotels.
Lifetime free
- View on PhonePe siteIssuer's site. We don't earn from this card.
11. PhonePe SBI Card PURPLE
Reward points worth ₹1 each: 3% back on recharges, bill payments, insurance and travel paid in the PhonePe app, 2% on other online spends and 1% on everything else, each with a monthly cap. UPI payments earn 1% only when made in the PhonePe app (other UPI apps earn nothing since July 2026). SBI Card's card terms say redemption is free, but its general fee schedule lists ₹99 for statement-credit redemptions.
₹499 joining, ₹499 a year
- Apply nowVia our referral partner. We may earn a commission.
12. HDFC Bank MoneyBack+ Credit Card
CashPoints worth ₹0.20 each as statement credit: 20 per ₹200 (about 2% back) at Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart stores, capped at 2,500 CashPoints (₹500) a month, and 2 per ₹200 (about 0.2%) on most other spends. Plus a ₹500 gift voucher each calendar quarter you spend ₹50,000. Fuel, rent, wallet loads, EMI and government payments earn nothing.
₹500 joining, ₹500 a year
- Apply nowVia our referral partner. We may earn a commission.
13. HSBC Live+ Credit Card
Cashback card: 10% back on dining, food delivery, groceries, shopping and utility bills, capped at ₹1,200 a month (reached at ₹12,000 of these spends), and 1.5% on most other spends with no cap. Amazon, Flipkart and Myntra earn 1.5%, not 10%. Spends abroad earn no cashback, but the forex markup is a low 1.99%.
₹999 joining, ₹999 a year
- Apply nowVia our referral partner. We may earn a commission.
14. Tata Neu Infinity HDFC Bank Credit Card
NeuCoins worth ₹1 each on Tata Neu: 5% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1.5% on other spends, up to 1.5% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing.
₹1,499 joining, ₹1,499 a year
- View on Amazon siteIssuer's site. We don't earn from this card.
15. Amazon Pay ICICI Bank Credit Card
Rewards paid as Amazon Pay balance with no cap: 5% on Amazon.in (including flights and hotels booked on Amazon) for Prime members, 3% without Prime; 2% on bills, recharges and gift cards paid through Amazon Pay; 1% on other spends. Fuel, rent, tax, education and international spends earn nothing.
Lifetime free
- View on HSBC siteIssuer's site. We don't earn from this card.
16. HSBC RuPay Cashback Credit Card
10% cashback on dining, food delivery and groceries and 1% on other eligible spends, including UPI payments at shops, with all cashback capped at ₹400 a month (the 10% rate alone reaches the cap at ₹4,000 of spend). Links to UPI apps; abroad it works on the JCB network.
₹499 joining, ₹499 a year
- Apply nowVia our referral partner. We may earn a commission.
17. Tata Neu Plus HDFC Bank Credit Card
NeuCoins worth ₹1 each on Tata Neu: 2% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1% on other spends, up to 1% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing.
₹499 joining, ₹499 a year
- Apply nowVia our referral partner. We may earn a commission.
18. Flipkart Axis Bank Credit Card
Cashback card: 7.5% on Myntra, 5% on Flipkart and Cleartrip (each capped), 4% on preferred merchants, 1% on other eligible spends.
₹500 joining, ₹500 a year
- Apply nowVia our referral partner. We may earn a commission.
19. RBL Bank ShopRite Credit Card
20 reward points per ₹100 on grocery (capped at 1,000 points a month; RBL Bank calls this 5% value back) and 1 point per ₹100 on other eligible spends; no points on fuel, utilities or rent.
₹500 joining, ₹500 a year
- Apply nowVia our referral partner. We may earn a commission.
20. Jupiter Edge+ RuPay Credit Card (CSB Bank)
Earns 5% Jewels (about 1% value) on most spends and UPI via Jupiter's UPI app; much higher Jewels on select shopping brands, subject to monthly spend conditions.
₹999 joining, no annual fee
- Apply nowVia our referral partner. We may earn a commission.
21. YES BANK POP-CLUB Credit Card
10 POPcoins per ₹100 on online spends and 2 POPcoins per ₹100 on other spends including UPI; no coins on fuel, rent, utilities, insurance or wallet loads. YES does not publish the rupee value of a POPcoin.
Free joining, ₹399 a year
- Apply nowVia our referral partner. We may earn a commission.
22. IDFC FIRST Bank HPCL FIRST Power+ Credit Card
HPCL fuel earns 5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries, utilities and FASTag recharge 5%, other spends 0.5%; category caps apply, plus a free domestic lounge visit each quarter.
₹499 joining, ₹499 a year
- Apply nowVia our referral partner. We may earn a commission.
23. SimplyCLICK SBI Card
Online-shopping rewards card: 10X points at partner sites, 5X on other online spends, plus ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh online spends.
₹499 joining, ₹499 a year
What you'd get back on online shopping
- Apply nowVia our referral partner. We may earn a commission.
1. CASHBACK SBI Card
₹6,000 a year at 5% · ₹999 annual fee
- Apply nowVia our referral partner. We may earn a commission.
2. HDFC Bank Millennia Credit Card
₹6,000 a year at 5% · ₹1,000 annual fee
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
3. Swiggy BLCK HDFC Bank Credit Card
₹6,000 a year at 5% · ₹1,000 annual fee
- View on PhonePe siteIssuer's site. We don't earn from this card.
4. PhonePe SBI Card SELECT BLACK
₹6,000 a year at 5% · ₹1,499 annual fee
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
5. HDFC Bank Diners Club Black Metal Edition Credit Card
₹3,996 a year at 3.33% · ₹10,000 annual fee
Uses each bank's published rate and monthly cap for this spend. Some merchants and payment types are excluded; see each card's page. Annual fees exclude GST and are often waived above a yearly spend.
Related guides and comparisons
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- Amazon Pay ICICI Bank vs Flipkart Axis BankSide by side: fees, rewards and which one suits whom
- CASHBACK SBI Card vs Flipkart Axis BankSide by side: fees, rewards and which one suits whom
- CASHBACK SBI Card vs HDFC Bank MillenniaSide by side: fees, rewards and which one suits whom
- CASHBACK SBI Card vs HSBC Live+Side by side: fees, rewards and which one suits whom
Questions people ask
Which online shopping and groceries card gives the most on online shopping?
Among the cards we compare, the CASHBACK SBI Card from SBI Card is first, at 5% value back on online shopping. Rates are capped on most cards, so check the monthly limit on its page.
Is there a lifetime free option?
Yes: CheQ AU Credit Card (AU Small Finance Bank), Amazon Pay ICICI Bank Credit Card. They charge no joining or annual fee on the bank's own terms.
Which of these cards work on UPI?
PhonePe SBI Card SELECT BLACK, HDFC Bank PIXEL Play Credit Card, CheQ AU Credit Card (AU Small Finance Bank), PhonePe SBI Card PURPLE, Tata Neu Infinity HDFC Bank Credit Card, HSBC RuPay Cashback Credit Card, Tata Neu Plus HDFC Bank Credit Card, RBL Bank ShopRite Credit Card, Jupiter Edge+ RuPay Credit Card (CSB Bank), YES BANK POP-CLUB Credit Card, IDFC FIRST Bank HPCL FIRST Power+ Credit Card. Only RuPay credit cards can be linked to UPI apps, and UPI rewards are often lower than card rewards.
How did you check these numbers?
Every fee, reward rate and eligibility rule comes from the issuing bank's official pages and terms, last verified 20 Oct 2026. Where a bank doesn't publish what a reward point is worth, we leave the rate blank instead of guessing.
Which credit card should I use on Amazon, Flipkart or Myntra?
It depends on the store, since most cards pay their top rate only on named sites. Amazon Pay ICICI pays 5% on Amazon.in for Prime members (3% without); Flipkart Axis pays 5% on Flipkart and 7.5% on Myntra, each capped at ₹4,000 a statement quarter; HDFC Millennia pays 5% on Amazon, Flipkart, Myntra and 7 other merchants, up to ₹1,000 a month. CASHBACK SBI pays 5% on most online spends, not just named sites, up to ₹2,000 a statement cycle.
Which credit card is good for Blinkit, Instamart or BigBasket?
A few cards name these apps. Swiggy BLCK HDFC pays 10% on the Swiggy app, Instamart included, up to ₹1,500 a billing cycle; Tata Neu Plus pays 2% at BigBasket as a Tata brand; Axis Neo gives discounts on Blinkit. Cards with a grocery rate, such as HSBC Live+, go by the merchant's category code, so a quick-commerce order can earn the grocery rate or the lower base rate depending on how it's coded.
Do I get cashback if I buy on EMI?
Usually not on a purchase you convert to EMI later. Amazon Pay ICICI and Flipkart Axis take back the rewards on a purchase later converted to EMI, and HDFC Millennia gives nothing on EMI transactions, even if you close the EMI early. Tata Neu Plus still pays 1% on a merchant EMI taken at checkout, but nothing on purchases converted to EMI afterwards.
Why did I get less cashback than the advertised rate?
Usually a cap, a merchant code or a minimum. Caps: CASHBACK SBI's 5% stops at ₹2,000 a statement cycle and HDFC Millennia's at ₹1,000 a month. Merchant codes: HSBC and HDFC set the rate by how the merchant codes the payment, so a purchase can earn 1% instead of 5% or 10%. Minimums: CASHBACK SBI and Flipkart Axis pay nothing on transactions under ₹100, and Swiggy BLCK HDFC pays nothing on Swiggy orders under ₹249.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.