All categories
Cards ranked for grocery
By effective returnmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance
4%
cap: none
VerifiedAbout grocery rewards
Supermarkets and quick-commerce grocery deliveries. Most transactions in this category route through merchant category codes 5411, 5499, which is how reward rules identify them. The Axis Bank Reserve leads for grocery today at 7% effective return. Tapwise tracks reward coverage at 7 grocery merchants.
What you would earn
Example calculationA ₹1,200 grocery purchase
₹84 reward
Axis Bank Reserve, 7% effective miles.
Frequently asked
5 questionsWhich credit card earns the most on grocery in India?
The Axis Bank Reserve earns 7% effective return on grocery, the highest of the 8 cards Tapwise tracks in this category.
Which MCC codes count as grocery?
Tapwise treats merchant category codes 5411, 5499 as grocery when matching reward rules. Card networks assign the MCC at the merchant level, so the same purchase will be tagged the same way across cards.
How many grocery cards have a category-specific reward?
4 of the 8 ranked cards have a rule specifically for grocery. The rest fall back to their base rate at this category.
Which merchants count as grocery on Tapwise?
Common grocery merchants include BigBasket, Blinkit, DMart. See the merchant list on this page for the full set; each has its own dedicated reward breakdown.
How often does Tapwise update grocery reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.