HSBC Live+ Credit Card

HSBC Live+ Credit Card

Built for one very 2020s pattern — the urban household whose statement is a scroll of Swiggy, Zomato, Blinkit, BigBasket, shopping and bill payments. Since the 26 July 2026 revamp it pays a flat 10% on all of that — the widest 10% basket in India — wrapped around a 1.5% base and a 1.99% forex markup. If your spending looks like that, this is your card. The only thing holding it back is the ₹1,200 shared monthly cap, which a moderate quick-commerce habit exhausts quickly.

Best Credit Cards for Grocery Shopping in India 2026

Grocery is one of the largest spend categories for Indian households — yet most cards earn only 1%. The best grocery cards earn 5–10%: HSBC Live+ (10% on quick-commerce), RBL ShopRite (5% at offline supermarkets) and SBI Cashback (5% on all online grocery). This guide ranks the 2026 picks by where you actually shop.

Best Credit Cards for Dining in India 2026: Restaurants, Food Delivery and Fine Dining

The best dining credit cards in India offer 10–20% off at partner restaurants, accelerated rewards on Swiggy and Zomato, and complimentary memberships like EazyDiner Prime. Amex Gold, IndusInd EazyDiner, HDFC Infinia and Axis Magnus each lead in different dining contexts.

HSBC RuPay Cashback Credit Card

The UPI-linked sibling of HSBC Live+ — 10% on dining, food delivery and groceries, payable straight from PhonePe, GPay or Paytm, plus up to 10 lounge visits a year that Live+ does not offer. The constraint is a ₹400 combined monthly cashback ceiling: about ₹4,000 of accelerated spend exhausts it, after which you are holding a 1% card.

HSBC Cashback Credit Card (now HSBC Live+)

Built for the person who refuses to run a rewards programme — no portal, no points, no category to activate. Just flat 10% on dining, groceries and food delivery (capped ₹1,000/month), wrapped around a genuinely useful 1.5% unlimited base, auto-credited. Never optimal on any one transaction, always fine for all of them. The catches: the monthly cap and HSBC's lean ecosystem. (Now rebranded as HSBC Live+.)

HSBC Visa Platinum Credit Card

Easy to dismiss as a placeholder — free, no lounge, unremarkable earn — but that undersells it. The card's real value is the bundled membership: a year of Times Prime (worth more than many cards' entire benefit sheet), on a lifetime-free card. Judge it on rewards and it's forgettable; judge it on "what do I get for ₹0," and it's quietly worth holding.

Standard Chartered DigiSmart Credit Card

The DigiSmart has one of the smartest fee models in Indian credit cards — no annual fee, just ₹49/month, reversed the moment you spend ₹5,000 — wrapped around sharp partner discounts on delivery, groceries, movies and rides. There are no reward points at all, so it lives or dies on whether you actually use Blinkit, Zomato, Ola and INOX.

HSBC RuPay Platinum Credit Card

Lifetime free, links to any UPI app, and runs on JCB for acceptance in 160+ countries. The base rate is forgettable at about 0.33% cashed out — the reason to hold it is the fuel surcharge waiver worth up to ₹3,000 a year plus rotating partner discounts, all at zero cost forever. No lounge access, and 3.5% forex rules it out for travel.

YES Prosperity Cashback Plus Credit Card

Does one thing well and doesn't pretend otherwise — 5% cashback on utility bills paid by auto-pay standing instruction (capped ₹100 a cycle), a useful rate for a category most cards exclude or cap harshly. A focused bill-payment tool for the household with regular electricity, water, gas and broadband bills. Everything else is minor; pair it with a stronger card for general spend and accept the usual YES Bank trade-offs.

Swiggy HDFC Bank Credit Card

10% back across the entire Swiggy super-app — food delivery, Instamart, Dineout — for a ₹500 fee, and it came through 2026's HDFC devaluations untouched (with a handy new 5% Cleartrip benefit added). For a regular Swiggy household the fee pays for itself in weeks. The one risk is total app dependence; pair it with a good general card.

Best Cashback Credit Cards in India 2026: Top Picks for Straightforward Returns

The best cashback credit cards in India deliver 2–5% back on everyday categories without requiring you to manage points or transfer programmes. SBI Cashback leads for online spend; the Axis ACE — now closed to new applicants — remains the bills-and-recharges benchmark for those who hold it; HDFC Millennia bridges the gap.

Axis Bank MyZone Credit Card

An entry-level lifestyle card whose value is its perks, not its earn rate (a flat ~0.4%): a complimentary SonyLIV Premium membership worth ₹1,499 that alone outvalues the ₹500 fee, plus movie buy-one-get-one and dining/shopping offers. For pure everyday cashback the Axis ACE out-earns it for a rupee less — ₹499 against MyZone's ₹500, except the ACE's fee waives at ₹2 lakh of annual spend and MyZone's waives at nothing (the ACE is now closed to new applicants; if you're applying fresh, the still-open Axis SUPERMONEY is the closest everyday earner) — so the MyZone is a lifestyle pick, best for someone who'll actually use the OTT membership and entertainment offers.

IndusInd Bank EazyDiner Signature Credit Card

For people who genuinely dine out — sit-down restaurants, not delivery — the single highest-saving dining card in India. Built around EazyDiner Prime, it delivers up to 50% off at 2,000+ partner restaurants, so a couple of dinners a month can cover the fee. The whole value rests on one question: are your favourite restaurants actually on EazyDiner? Check the app before you apply.