5 Best Credit Cards in India For Daily Spends: Grocery Bills, Online Shopping, More

Best Credit Cards in India: Beyond airport lounge access, hotel discounts, and international travel offers, many credit cards in India now reward everyday spending such as grocery purchases, fuel transactions, utility bills, and online shopping. When used wisely, credit cards can help users earn reward points and cashback on routine expenses, translating into meaningful savings on future spends.

Premium cards still appeal to frequent travellers and higher spenders who value lounges and elite benefits. Yet a growing base of users are tracking how much value a card returns every month on groceries, utilities and commutes. The key question is less about prestige now, and more about steady returns without extra friction or hidden charges.

Several credit card providers are offering attractive rewards and discounts on small UPI payments. Here are top 5 credit cards in India for daily spends.

Federal Bank Scapia RuPay Credit

The Federal Bank Scapia RuPay Credit Card comes as a lifetime-free product, with no joining or annual fees. Cardholders can earn faster rewards on travel bookings and related services made via the Scapia app, while also collecting rewards on other eligible online and offline spends as defined by card terms.

PhonePe HDFC Ultimo Card

The credit card can be used to make payments within the PhonePe ecosystem and beyond. Users can earn up to 10% cashback on PhonePe transactions such as recharges, utility payments, travel bookings and other eligible everyday spends, within monthly limits. Select online merchants, including e-commerce and food delivery platforms, offer up to 5% cashback, again within defined caps.

The same card also encourages QR-based UPI usage. Cardholders get 1% cashback on Scan and Pay transactions, which can apply to payments at local shops and neighbourhood services.

Axis Bank SuperMoney RuPay Credit Card

The Axis Bank SuperMoney RuPay Credit Card brings cashback and UPI together through the SuperMoney app. Cardholders can get up to 3% cashback on UPI payments made via this app, with rewards credited back to the card account. Other eligible retail spends also earn cashback, according to the card's reward structure and published rules.

This product is also effectively structured for routine transport costs. It enables credit-based UPI payments at supported RuPay merchant QR codes. A fuel surcharge waiver is available on eligible fuel transactions, easing regular commuting expenses.

ICICI Bank Coral Credit Card

The ICICI Bank Coral Credit Card grants reward points on eligible retail transactions, with higher earn rates on general spends and lower rates on utilities or insurance. Additional bonus reward points can be earned by reaching specific annual spend thresholds set by the bank.

ICICI Bank Coral Credit Card holders also get complimentary domestic airport lounge access, for example one visit per quarter after meeting spend conditions, along with railway lounge access. Discounts on movie tickets and selected dining offers form part of its lifestyle appeal.

HDFC Bank UPI Credit Card

The HDFC Bank UPI Credit Card is positioned squarely around digital transactions. Cardholders can make UPI payments directly from a credit account instead of a savings balance. The card rewards CashPoints on qualifying UPI and standard card transactions, with rates like up to 3% on groceries, dining and PayZapp spends, 2% on utilities and 1% on other spends, all within monthly caps.