Best Credit Card for Grocery and Utility Bills in India 2026
Last verified May 2026. Best credit cards for BigBasket, Blinkit, Zepto, Swiggy Instamart and utility bill payments. Updated for 2026 RBI utility cap rules.
The 5 best grocery & utility-bill credit cards in 2026
1 Axis Bank ACE Credit Card
The flat-rate champion for utility bills. 5% via Google Pay covers electricity, gas, mobile, broadband. Bigger 4% Swiggy/Zomato bonus stacks for grocery delivery. Best single-card option for grocery + utility combo. Full review: Axis Bank ACE Credit Card review.
2 HDFC Tata Neu Infinity
Best for BigBasket-loyal households. NeuCoins redeem 1:1 against future BigBasket spend. Worth it if grocery is concentrated on BigBasket. Full review: HDFC Tata Neu Infinity review.
3 HDFC Swiggy Credit Card
Highest grocery-delivery rate in India — 10% on Swiggy Instamart (capped ₹1,500/cycle). Pair with Axis ACE for utility bills. Full review: HDFC Swiggy Credit Card review.
4 Amazon Pay ICICI
Best for Amazon Fresh shoppers. Zero fee + 5% Amazon cashback works as a backup grocery card. Full review: Amazon Pay ICICI review.
5 SBI Cashback Credit Card
Backup for grocery apps (Zepto, FreshToHome). Excludes utility bills post April 2026 — don't pair with ACE for utilities. Full review: SBI Cashback Credit Card review.
Head-to-head comparison
| Card | Fee | Headline Rate |
|---|---|---|
| Axis Bank ACE Credit Card | ₹499 + GST (waived ₹2L) | 5% utilities via Google Pay, 4% Swiggy/BigBasket |
| HDFC Tata Neu Infinity | ₹1,499 + GST | 5% NeuCoins on BigBasket, 1.5% elsewhere |
| HDFC Swiggy Credit Card | ₹500 + GST | 10% on Swiggy + Instamart |
| Amazon Pay ICICI | Nil (lifetime free) | 5% on Amazon Fresh/Pantry (Prime) |
| SBI Cashback Credit Card | ₹999 + GST | 5% online capped ₹2,000/cycle (post-April 2026) |
Sources & references
All fees and reward rates verified against issuer official T&C pages as of May 2026. Reward programmes change frequently — confirm with the issuer before applying.
