QUICK COMMERCE · RATES CHECKED 22 OCT 2026
Best credit card for Zepto
HSBC Live+ earns the most on Zepto: 10% back. Next: Cashback SBI (5%) and Cashback+ Kotak (5%).
★ Earns the most for you
HSBC Live+
₹360 a month
10% back · no minimum order · up to ₹1,200 a month
Bank isn’t taking new applicationsOn 6 Zepto orders of ₹600 a month.
Every card, by what it’d earn you
- HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹360a month
Cashback SBI5% back · orders of ₹100+ · up to ₹2,000 a month₹180a month
Cashback+ Kotak5% back · no minimum order · up to ₹750 a month₹180a month
Shoprite RBL5% back · no minimum order · up to ₹250 a month₹180a month
PhonePe SBI Black5% back · orders of ₹100+ · up to ₹1,000 a month₹180a month
HDFC Diners Black3.33% back · no minimum order · up to ₹2,000 a month₹120a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,000 a month₹120a month
IndianOil HDFC4.8% back · orders of ₹150+ · up to ₹96 a month₹96a month
BPCL Octane SBI2.5% back · no minimum order · up to ₹1,875 a month₹90a month
SBI Elite2.5% back · no minimum order · up to ₹2,500 a month₹90a month
SBI Prime2.5% back · no minimum order · up to ₹1,875 a month₹90a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹72a month
Ultimate StanChart2% back · no minimum order₹72a month
Scapia2% back · orders of ₹20+₹72a month
PhonePe SBI Purple2% back · orders of ₹100+ · up to ₹750 a month₹72a month
SBI SimplySAVE1.67% back · no minimum order · up to ₹1,250 a month₹60a month
Tata Neu Infinity1.5% back · no minimum order · up to ₹2,000 a month₹54a month
Axis ACE1.5% back · no minimum orderNo new applications₹54a month
SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹45a month
HDFC Regalia Gold1.25% back · orders of ₹200+ · up to ₹1,000 a month₹45a month
Axis Magnus1.2% back · no minimum order₹43a month
Airtel Axis1% back · no minimum order₹36a month
Amazon Pay ICICI1% back · no minimum order₹36a month
HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹36a month
MakeMyTrip ICICI1% back · no minimum order₹36a month
PaisaSave YES1% back · no minimum order₹36a month
Tata Neu Plus1% back · no minimum order · up to ₹1,000 a month₹36a month
Eternal SBI1% back · orders of ₹100+ · up to ₹500 a month₹36a month
Flipkart Axis1% back · orders of ₹100+₹36a month
Flipkart SBI1% back · orders of ₹100+₹36a month
Swiggy BLCK HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹36a month
Swiggy Ornge HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹36a month
Swiggy HDFC1% back · orders of ₹100+ · up to ₹500 a monthNo new applications₹36a month
IRCTC SBI0.8% back · no minimum order₹29a month
Rewards Amex0.67% back · no minimum orderNo new applications₹24a month
ICICI Coral0.5% back · no minimum order · up to ₹100 a month₹18a month
Reliance SBI Prime0.5% back · no minimum order₹18a month
SmartEarn Amex0.5% back · no minimum orderNo new applications₹18a month
Axis MY Zone0.4% back · no minimum order₹14a month
EazyDiner IndusInd0.4% back · no minimum order · up to ₹750 a month₹14a month
Tiger IndusInd0.4% back · no minimum order₹14a month
IDFC FIRST Millennia0.38% back · no minimum order₹14a month
IDFC FIRST Select0.38% back · no minimum order₹14a month
IDFC FIRST Wealth0.38% back · no minimum order₹14a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹200 a month₹7a month
OneCard0.2% back · no minimum orderNo new applications₹7a month
Axis Neo0.1% back · no minimum order₹4a month
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
- HSBC Live+: Bank’s own terms: HSBC Live+ services guide: 10% cashback, checked 22 Oct 2026
- Cashback SBI: Bank’s own terms: Cashback SBI Card: revised terms from 1 April 2026, checked 22 Oct 2026
- Cashback+ Kotak: Bank’s own terms: Kotak Cashback+ Credit Card terms and conditions (PDF, file dated 27 March 2026), cashback table, annexure and terms, checked 22 Oct 2026
- Shoprite RBL: Bank’s own terms: RBL Bank ShopRite Credit Card terms and conditions, clauses 3.3 and 3.6, checked 22 Oct 2026
- PhonePe SBI Black: Bank’s own terms: PhonePe SBI Card SELECT BLACK terms and conditions booklet, clause 12 (Rewards Program), points 1 and 2, checked 22 Oct 2026
- HDFC Diners Black: Bank’s own terms: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the grocery cap, checked 21 Oct 2026
- HDFC Infinia: Bank’s own terms: Infinia reward points terms (HDFC Bank PDF, newest clause 1 July 2026; read 22 Oct 2026): the grocery cap, checked 22 Oct 2026
- IndianOil HDFC: Bank’s own terms: IndianOil HDFC card terms and conditions: rates, caps and merchant codes (HDFC Bank PDF), checked 22 Oct 2026
- BPCL Octane SBI: Cardholder reports: BPCL SBI Card OCTANE terms and conditions, clause 11.4 a (points earned), checked 22 Oct 2026
- SBI Elite: Cardholder reports: SBI Card ELITE terms and conditions booklet (file revised 8 October 2026), clause 11: 10 points per ₹100, checked 22 Oct 2026
Checked 22 Oct 2026. How we check rates.
Questions people ask
Which credit card gives the most rewards on Zepto?
HSBC Live+ earns the most on Zepto: 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 Zepto if I pay by UPI?
Not always. Cashback+ Kotak, 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 Zepto checkout.
Is there a limit on rewards for Zepto 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
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.