What's good
- 4 RP per ₹100 on grocery and departmental stores (~1% effective)
- 1 domestic + 1 international lounge visit per quarter via Priority Pass
- ₹2,000 welcome brand vouchers on ₹30,000 spend within 60 days
- Up to 30% dining discounts at partner restaurants
- ₹50L air accident insurance; birthday bonus of 1,000 RP
Watch out for
- Base rate of 0.5% on non-grocery spends is weak for a ₹3K-fee card
- 2.99% forex markup — not suitable for international travel despite offering international lounge
- Lounge access requires ₹50,000 quarterly spend (raised from ₹20K in April 2026)
- ₹99 + GST redemption fee per transaction reduces effective reward value
Who should pick this card?
Best suited for someone focused on grocery & lifestyle spends.
This sits in the Grocery & Retail category — Higher rewards on supermarkets, department stores, and local shopping. Best for in-store spenders.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
More Grocery & Retail picks
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Formerly HSBC Cashback Card. Provides an outstanding 10% cashback on dining and grocery shopping, making it a staple for offline weekend errands.
IDFC FIRST Select
The reward rate exponentially increases as you spend more in a billing cycle, rewarding heavy offline use.