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QUICK COMMERCE · 3 APPS · RATES AS OF 28 OCTOBER 2026

Best credit card for quick commerce

For Blinkit, Swiggy Instamart and Zepto together, HSBC Live+ earns the most: about ₹1,140 a month on typical spending, ahead of Cashback SBI and Cashback+ Kotak.

★ Earns the most for you

HSBC Live+

HSBC Live+

₹1,140 a month

Blinkit 10% · Swiggy Instamart 10% · Zepto 10%

On ₹11,400 a month across Blinkit, Swiggy Instamart and Zepto.

Every card, by what it’d earn you

  1. HSBC Live+Blinkit 10% · Swiggy Instamart 10% · Zepto 10%₹1,140a month
  2. Cashback SBIBlinkit 5% · Swiggy Instamart 5% · Zepto 5%₹570a month
  3. Cashback+ KotakBlinkit 5% · Swiggy Instamart 5% · Zepto 5%₹570a month
  4. PhonePe SBI BlackBlinkit 5% · Swiggy Instamart 5% · Zepto 5%₹570a month
  5. Swiggy BLCK HDFCBlinkit 1% · Swiggy Instamart 10% · Zepto 1%₹492a month
  6. Swiggy HDFCBlinkit 1% · Swiggy Instamart 10% · Zepto 1%No new applications₹492a month
  7. HDFC Diners BlackBlinkit 3.33% · Swiggy Instamart 3.33% · Zepto 3.33%₹380a month
  8. HDFC InfiniaBlinkit 3.33% · Swiggy Instamart 3.33% · Zepto 3.33%₹380a month
  9. Shoprite RBLBlinkit 5% · Swiggy Instamart 0.25% · Zepto 5%₹370a month
  10. BPCL Octane SBIBlinkit 2.5% · Swiggy Instamart 2.5% · Zepto 2.5%₹285a month
  11. SBI EliteBlinkit 2.5% · Swiggy Instamart 2.5% · Zepto 2.5%₹285a month
  12. SBI PrimeBlinkit 2.5% · Swiggy Instamart 2.5% · Zepto 2.5%₹285a month
  13. Swiggy Ornge HDFCBlinkit 1% · Swiggy Instamart 5% · Zepto 1%₹282a month
  14. Airtel AxisBlinkit 10% · Swiggy Instamart 1% · Zepto 1%₹278a month
  15. Eternal SBIBlinkit 5% · Swiggy Instamart 1% · Zepto 1%₹258a month
  16. PhonePe SBI PurpleBlinkit 2% · Swiggy Instamart 2% · Zepto 2%₹228a month
  17. ScapiaBlinkit 2% · Swiggy Instamart 2% · Zepto 2%₹228a month
  18. Smart StanChartBlinkit 2% · Swiggy Instamart 2% · Zepto 2%₹228a month
  19. Ultimate StanChartBlinkit 2% · Swiggy Instamart 2% · Zepto 2%₹228a month
  20. SBI SimplySAVEBlinkit 1.67% · Swiggy Instamart 1.67% · Zepto 1.67%₹190a month
  21. Tata Neu InfinityBlinkit 1.5% · Swiggy Instamart 1.5% · Zepto 1.5%₹171a month
  22. Axis ACEBlinkit 1.5% · Swiggy Instamart 1.5% · Zepto 1.5%No new applications₹171a month
  23. SmartEarn AmexBlinkit 5% · Swiggy Instamart 0.5% · Zepto 0.5%No new applications₹164a month
  24. HDFC Regalia GoldBlinkit 1.25% · Swiggy Instamart 1.25% · Zepto 1.25%₹142a month
  25. SBI SimplyCLICKBlinkit 1.25% · Swiggy Instamart 1.25% · Zepto 1.25%₹142a month
  26. Axis MagnusBlinkit 1.2% · Swiggy Instamart 1.2% · Zepto 1.2%₹137a month
  27. IndianOil HDFCBlinkit 4.8% · Swiggy Instamart 0.64% · Zepto 4.8%₹123a month
  28. Amazon Pay ICICIBlinkit 1% · Swiggy Instamart 1% · Zepto 1%₹114a month
  29. Flipkart AxisBlinkit 1% · Swiggy Instamart 1% · Zepto 1%₹114a month
  30. Flipkart SBIBlinkit 1% · Swiggy Instamart 1% · Zepto 1%₹114a month
  31. HDFC MillenniaBlinkit 1% · Swiggy Instamart 1% · Zepto 1%₹114a month
  32. MakeMyTrip ICICIBlinkit 1% · Swiggy Instamart 1% · Zepto 1%₹114a month
  33. PaisaSave YESBlinkit 1% · Swiggy Instamart 1% · Zepto 1%₹114a month
  34. Tata Neu PlusBlinkit 1% · Swiggy Instamart 1% · Zepto 1%₹114a month
  35. IRCTC SBIBlinkit 0.8% · Swiggy Instamart 0.8% · Zepto 0.8%₹91a month
  36. Rewards AmexBlinkit 0.67% · Swiggy Instamart 0.67% · Zepto 0.67%No new applications₹76a month
  37. ICICI CoralBlinkit 0.5% · Swiggy Instamart 0.5% · Zepto 0.5%₹57a month
  38. Reliance SBI PrimeBlinkit 0.5% · Swiggy Instamart 0.5% · Zepto 0.5%₹57a month
  39. Axis MY ZoneBlinkit 0.4% · Swiggy Instamart 0.4% · Zepto 0.4%₹46a month
  40. EazyDiner IndusIndBlinkit 0.4% · Swiggy Instamart 0.4% · Zepto 0.4%₹46a month
  41. Tiger IndusIndBlinkit 0.4% · Swiggy Instamart 0.4% · Zepto 0.4%₹46a month
  42. IDFC FIRST MillenniaBlinkit 0.38% · Swiggy Instamart 0.38% · Zepto 0.38%₹43a month
  43. IDFC FIRST SelectBlinkit 0.38% · Swiggy Instamart 0.38% · Zepto 0.38%₹43a month
  44. IDFC FIRST WealthBlinkit 0.38% · Swiggy Instamart 0.38% · Zepto 0.38%₹43a month
  45. HDFC MoneyBack+Blinkit 0.2% · Swiggy Instamart 0.2% · Zepto 0.2%₹23a month
  46. OneCardBlinkit 0.2% · Swiggy Instamart 0.2% · Zepto 0.2%No new applications₹23a month
  47. HDFC FreedomBlinkit 0.07% · Swiggy Instamart 0.07% · Zepto 0.07%₹8a month
  48. Axis NeoBlinkit 10% · Swiggy Instamart 0.1% · Zepto 0.1%₹8a month

Amounts count each card’s minimum order and monthly limits. Points are valued the way the bank shows first.

Best card in each app

BlinkitAirtel Axis10%Swiggy InstamartHSBC Live+10%ZeptoHSBC Live+10%

Questions people ask

Which credit card is best for quick commerce?

For Blinkit, Swiggy Instamart and Zepto together, HSBC Live+ earns the most: about ₹1,140 a month on typical spending, ahead of Cashback SBI and Cashback+ Kotak. Amounts count each card’s minimum order and monthly limits, including limits shared across apps.

Is one card enough for Blinkit, Swiggy Instamart and Zepto?

Often, yes. HSBC Live+ earns Blinkit 10%, Swiggy Instamart 10%, Zepto 10%. If one app matters most, its own page shows the single best card there.

How did you work out the monthly amounts?

We multiply your spend in each app by the card’s reward there, skip apps where your usual order is below the card’s minimum, and stop at the card’s monthly limit. Where one limit is shared across apps, it is counted once. How we check rates.

Other categories

FashionOnline shoppingGroceryMovies and eventsTravelFood delivery

Rewards are as per each bank’s published terms and can change. Pickkard isn’t a bank and isn’t paid by any bank for these rankings.