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GROCERY · RATES CHECKED 22 OCT 2026

Best credit card for JioMart

HSBC Live+ earns the most on JioMart: 10% back. Next: Cashback SBI (5%) and Cashback+ Kotak (5%).

★ Earns the most for you

HSBC Live+

HSBC Live+

₹450 a month

10% back · no minimum order · up to ₹1,200 a month

On 3 JioMart orders of ₹1,500 a month.

Every card, by what it’d earn you

  1. HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹450a month
  2. Cashback SBI5% back · orders of ₹100+ · up to ₹2,000 a month₹225a month
  3. Cashback+ Kotak5% back · no minimum order · up to ₹750 a month₹225a month
  4. Reliance SBI Prime5% back · no minimum order₹225a month
  5. Shoprite RBL5% back · no minimum order · up to ₹250 a month₹225a month
  6. PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹225a month
  7. HDFC Diners Black3.33% back · no minimum order · up to ₹2,000 a month₹150a month
  8. HDFC Infinia3.33% back · no minimum order · up to ₹2,000 a month₹150a month
  9. IndianOil HDFC4.8% back · orders of ₹150+ · up to ₹96 a month₹96a month
  10. Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹90a month
  11. Ultimate StanChart2% back · no minimum order₹90a month
  12. Scapia2% back · orders of ₹20+₹90a month
  13. PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹90a month
  14. Tata Neu Infinity1.5% back · no minimum order · up to ₹2,000 a month₹68a month
  15. Axis ACE1.5% back · no minimum orderNo new applications₹68a month
  16. SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹56a month
  17. HDFC Regalia Gold1.25% back · orders of ₹200+ · up to ₹1,000 a month₹56a month
  18. Axis Magnus1.2% back · no minimum order₹54a month
  19. Airtel Axis1% back · no minimum order₹45a month
  20. Amazon Pay ICICI1% back · no minimum order₹45a month
  21. HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹45a month
  22. MakeMyTrip ICICI1% back · no minimum order₹45a month
  23. PaisaSave YES1% back · no minimum order₹45a month
  24. Tata Neu Plus1% back · no minimum order · up to ₹1,000 a month₹45a month
  25. Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹45a month
  26. Flipkart Axis1% back · orders of ₹100+₹45a month
  27. Flipkart SBI1% back · orders of ₹100+₹45a month
  28. Swiggy BLCK HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹45a month
  29. Swiggy Ornge HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹45a month
  30. Swiggy HDFC1% back · orders of ₹100+ · up to ₹500 a monthNo new applications₹45a month
  31. IRCTC SBI0.8% back · no minimum order₹36a month
  32. Rewards Amex0.67% back · no minimum orderNo new applications₹30a month
  33. ICICI Coral0.5% back · no minimum order · up to ₹100 a month₹22a month
  34. SBI Elite0.5% back · no minimum order₹22a month
  35. SBI Prime0.5% back · no minimum order₹22a month
  36. SmartEarn Amex0.5% back · no minimum orderNo new applications₹22a month
  37. Axis MY Zone0.4% back · no minimum order₹18a month
  38. EazyDiner IndusInd0.4% back · no minimum order · up to ₹750 a month₹18a month
  39. Tiger IndusInd0.4% back · no minimum order₹18a month
  40. IDFC FIRST Millennia0.38% back · no minimum order₹17a month
  41. IDFC FIRST Select0.38% back · no minimum order₹17a month
  42. IDFC FIRST Wealth0.38% back · no minimum order₹17a month
  43. BPCL Octane SBI0.25% back · no minimum order₹11a month
  44. HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹200 a month₹9a month
  45. OneCard0.2% back · no minimum orderNo new applications₹9a month
  46. SBI SimplySAVE0.17% back · no minimum order₹8a month
  47. Axis Neo0.1% back · no minimum order₹4a month
  48. HDFC Freedom0.07% back · orders of ₹200+ · up to ₹2,250 a month₹3a month

Amounts count each card’s minimum order and monthly limit. Some limits are shared with the card’s other apps, so you may earn less if you also use it elsewhere. Points are valued the way the bank shows first.

Where these numbers come from

Checked 22 Oct 2026. How we check rates.

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Questions people ask

Which credit card gives the most rewards on JioMart?

HSBC Live+ earns the most on JioMart: 10% back, up to ₹1,200 per statement cycle. Next come Cashback SBI (5% back on orders of ₹100+) and Cashback+ Kotak (5% back).

Do I get the same rewards on JioMart if I pay by UPI?

Not always. Cashback+ Kotak, Reliance SBI Prime, PhonePe SBI Black and IndianOil HDFC earn less when the payment goes through UPI (including a RuPay card on UPI). To get the rates above, pay with the card itself in the JioMart checkout.

Is there a limit on rewards for JioMart orders?

Yes, most cards cap the higher rate. HSBC Live+: Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate); Cashback SBI: Up to ₹2,000 per statement cycle; Cashback+ Kotak: Up to ₹750 per statement cycle (one limit shared with the card's other apps at this rate). Above the limit the card earns its lower base rate.

How up to date are these rates?

Each rate was checked against the bank’s own terms (or, where marked, cardholder reports) on 22 Oct 2026. Banks change their terms several times a year, so check the bank’s page before you apply. How we check rates.

Best card for other apps

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HDFC Millennia vs Cashback SBIHSBC Live+ vs Cashback SBISwiggy BLCK HDFC vs HSBC Live+Amazon Pay ICICI vs Cashback SBIFlipkart SBI vs Cashback SBIPhonePe SBI Black vs Cashback SBIEternal SBI vs HSBC Live+Axis ACE vs Cashback SBIAirtel Axis vs Cashback SBIHSBC Live+ vs HDFC MillenniaHSBC Live+ vs Cashback+ KotakPhonePe Ultimo vs PhonePe SBI BlackIRCTC SBI vs PhonePe SBI BlackCashback+ Kotak vs Cashback SBISBI SimplyCLICK vs Cashback SBIFlipkart Axis vs Cashback SBIPaisaSave YES vs Cashback SBI

Rewards are as per each bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t paid by any bank for these rankings. Always check the bank’s page before applying.