Best card for
Best credit card for DMart (in store)
Which card to use for DMart (in store) in India - all 187 cards ranked
by what you actually get back on ₹5,000, after caps, exclusions and fees.
Top cardson ₹5,000
1
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹500
10%
2
HSBC RuPay Cashback
Swipe / tap at the terminal · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹400
8%
3
Paisabazaar Paisaback
Swipe / tap at the terminal · 7.5% on grocery (MCC 5411) · cap Rs 1,000 a month across all spends
federal.bank.in · 1 Oct 2026
₹375
7.5%
4
FIRST Private
Swipe / tap at the terminal
idfcfirstbank.com · 25 Sep 2026
₹330
330 pts · 6.6%
5
Axis Burgundy Private
Swipe / tap at the terminal
axis.bank.in · 21 Aug 2026
₹319
375 pts · 6.38%
6
PIXEL Play
Swipe / tap at the terminal · 5% on grocery (selected pack) · cap 500 CashPoints per selected category per calendar month
hdfc.bank.in · 21 Sep 2026
₹250
5%
7
AU LIT
Swipe / tap at the terminal · 5% cashback on grocery (paid feature, ₹299/90 days) · cap ₹500 cashback per 30-day feature cycle
au.bank.in · 20 Aug 2026
₹250
5%
8
Shoprite Credit Card
Swipe / tap at the terminal · 20 pts / Rs 100 on grocery shopping · cap 1,000 reward points per month
rbl.bank.in · 25 Sep 2026
₹250
1,000 pts · 5%
9
Axis Magnus for Burgundy
Swipe / tap at the terminal · Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above · cap 12 ERP/₹200 to ₹1.5L/month, then 35 ERP/₹200 (bank-capped at credit limit + ₹1.5L spends/month)
axis.bank.in · 22 Aug 2026
₹180
300 pts · 3.6%
10
HDFC Infinia Metal
Swipe / tap at the terminal · Grocery: base rate capped 2,000 pts/month · cap 2,000 pts/month
hdfc.bank.in · 22 Aug 2026
₹165
165 pts · 3.3%
Best with no annual fee3
1
AU LIT
Swipe / tap at the terminal · 5% cashback on grocery (paid feature, ₹299/90 days) · cap ₹500 cashback per 30-day feature cycle
au.bank.in · 20 Aug 2026
₹250
5%
2
Kotak Solitaire Credit Card
Swipe / tap at the terminal
kotak.bank.in · 30 Sep 2026
₹150
150 pts · 3%
3
IndusInd Tiger
Swipe / tap at the terminal · Up to 6 pts / ₹100 via annual spend slabs · cap 5,000 pts/month
indusind.bank.in · 21 Aug 2026
₹120
300 pts · 2.4%
Best if you pay directly3
1
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹500
10%
2
HSBC RuPay Cashback
Swipe / tap at the terminal · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹400
8%
3
Paisabazaar Paisaback
Swipe / tap at the terminal · 7.5% on grocery (MCC 5411) · cap Rs 1,000 a month across all spends
federal.bank.in · 1 Oct 2026
₹375
7.5%
Cards that earn nothing here9
BOBCARD Eterna
UNUSUAL: supermarket/convenience/variety retail MCCs are on the exclusion annexure - grocery earns nothing on BOBCARD.
media.bobcard.co.in · 22 Aug 2026
Premier
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Select
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Easy
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Snapdeal BOBCARD
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Cashback
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Tiara
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
HPCL Energie
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Prime
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Questions
Which credit card is best for DMart (in store)?
HSBC Live+ is the best card for DMart (in store). It nets ₹500 on a ₹5,000 spend. Swipe / tap at the terminal.
Which cards give nothing on DMart (in store)?
9 of the cards we track earn nothing on DMart (in store), including BOBCARD Eterna, Premier, Select, Easy, Snapdeal BOBCARD and 4 more.
Is a gift voucher better than paying directly for DMart (in store)?
No voucher route earns more here. Pay directly with HSBC Live+ for ₹500 on ₹5,000.