What's good

Uncapped 1.5% cashback on all online and offline spends
5% cashback on utility bill payments via Google Pay, PhonePe, or any BBPS-enabled UPI app
4% cashback on Swiggy, Zomato, and Ola

Watch out for

5% and 4% cashback categories have a strict combined cap of ₹500 per month
Lounge access requires a heavy ₹50,000 spend in the previous quarter
Cashback credited only after statement generation

Who should pick this card?

Best suited for someone focused on retail & groceries.

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.

All Grocery & Retail cards