45 open cards whose structured reward, lounge, or fee data qualifies them for groceries.
ICICI Bank
ICICI's top card, by invitation through a relationship manager only. Unlimited lounge access and golf, the lowest forex markup in the portfolio, and no late payment fee at all — but the reward rate is stated per ₹200, not per ₹100, and capped hard on everyday categories.
ICICI Bank
A fuel card that only pays off at HPCL. The 5% on fuel is ICICI's own stated figure and is the reason to hold it; away from HPCL pumps and the HP Pay app it earns the same unpriced points as the entry cards.
SBI Card
An entry card whose 10x rate is worth a real 2.5% at dining, movies, grocery and department stores — the card that supplied the ₹0.25-per-point rate the rest of the SBI portfolio is priced against.
SBI Card
SBI's premium tier: 1.99% forex against the portfolio's 3.5% default, real lounge access, and the same ₹0.25 point value as the ₹499 entry card — the fee difference buys benefits, not a better redemption rate.
SBI Card
The lowest-fee card in the SBI Card portfolio verified so far, at ₹250, with the same ₹0.25 point value as the flagship Elite card and a lower APR tier — though nothing on the card's own page states an occupational restriction, despite its name and its grouping in the KFS's Defence/Secured APR tier.
SBI Card
The higher-fee sibling of the ₹250 Shaurya SBI Card — first-year fee waived, ₹1,499 from year two — with the same unresolved occupational-restriction ambiguity: nothing on its own page states the Defence/Paramilitary restriction its name and tagline imply.
SBI Card
A ₹2,999 mid-premium card with real golf and lounge benefits, and — unusually for this dataset — an explicit multi-network statement on its own page (Mastercard, Visa and American Express) rather than silence on the point.
SBI Card
The FD-backed secured counterpart to SimplySAVE SBI Card — identical ₹150-denominator earn structure, and its own "Cash Points" FAQ independently states the same ₹0.25 rate the unsecured card was one of the three original sources for.
SBI Card
A fuel co-brand whose own "4.25% value back" headline is a marketing bundle of a 3.25% reward rate and a separately-real 1% fuel surcharge waiver — the two are kept apart here rather than recorded as one number, the same discipline every other card's fee-vs-reward split in this dataset follows.
SBI Card
The higher BPCL tier — nearly double the base card's fuel-spend rate, real domestic lounge access, and a welcome benefit whose own math (6,000 points worth ₹1,500) independently cross-checks the same ₹0.25 rate the base card states directly.
SBI Card
Verified only from a 2020 stock-exchange disclosure filing — the only official document found, since the card has no live product page and doesn't even appear in SBI Card's current live product listing, making whether it's still actively issued at all genuinely uncertain.
SBI Card
An older TATA-retail co-brand, distinct from the newer Tata Neu cards — its "Empower Points" state a direct 1:1 rupee value, a different currency and rate from SBI's own ₹0.25 standard.
SBI Card
The higher TATA Card tier — triple the base card's Departmental/Grocery rate, real lounge access, and the same ₹1 Empower Point value.
SBI Card
Structurally identical to the base TATA Card — same fee, same Empower Point value, same earn structure — differentiated mainly by its own welcome benefit rather than its rewards shape.
SBI Card
The higher Croma tier — same shape as TATA Card SELECT, with real lounge access confirmed independently on SBI's own lounge-access page.
SBI Card
A Tata Star Bazaar co-brand whose own page states "1 Reward Point = Rs. 1" — the clearest example in this dataset of a card using the generic "Reward Points" name while explicitly NOT carrying SBI's standard ₹0.25 rate.
SBI Card
The higher STAR tier — same ₹1 point value as its sibling, real lounge access, and the highest welcome voucher of the three SELECT-tier TATA cards.
Axis Bank
A mixed-currency card — EDGE Reward Points on general spend, plus a separate 10% direct cashback specifically on Samsung purchases — whose own page independently confirms Axis's 55.55% default APR in so many words.
Axis Bank
A low-fee IndiGo co-brand earning IndiGo's own BluChips — genuinely unpriced by Axis, with no forex discount and only quarterly-gated domestic lounge access.
Axis Bank
The affluent IndiGo co-brand tier — a reduced 2.5% forex markup, real international lounge access via Priority Pass, and a ₹6 lakh income floor the base card does not require.
Axis Bank
The higher IOCL tier — earning a distinctly-branded, unpriced "EDGE MILES" currency at 6 per ₹150 on fuel (double the base card's rate structure), plus an uncapped fuel surcharge waiver and 8 domestic lounge visits a year.
Kotak Mahindra Bank
A RuPay fuel co-brand earning genuine Reward Points at an issuer-confirmed 4% value back on IndianOil fuel spend — the founding confirmation of this portfolio's ₹0.20-₹0.25 point-value range, with both a per-transaction fuel surcharge waiver and the portfolio's usual cumulative-fuel-spend fee waived entirely.
Kotak Mahindra Bank
A genuine flat-cashback card — 1 reward point always equals ₹1, no catalogue/cash split — at 5% on online groceries/food/entertainment and 3% on fuel, both sharing one combined ₹750/cycle cap; cash advance is not available at all.
Kotak Mahindra Bank
The Cashback+ sibling with an added 5% auto-dealer accelerator and a 0.5% base rate on insurance spends (capped at ₹25,000/cycle) — but the issuer's own FAQ explicitly confirms this card has no lounge access at all.
AU Small Finance Bank
A low-fee entry card stacking up to 5 AU Rewardz points per ₹100 with a separate 10% cashback layer on five named merchants (Amazon Fresh, Zomato, District, Uber/Ola/Rapido, AU 0101), each capped at ₹50/month.
AU Small Finance Bank
A genuine cashback card (2% groceries/departmental/utility, 1% other retail) rather than AU Rewardz points — its "8 lounge visits/year" benefit is railway lounge access, not airport, and its cash-advance limit (40%) is double the entry-tier cards'.
AU Small Finance Bank
The entry tier of AU Bank's 3-card SwipeUp/Xcite family — 15 points per ₹100 on dining/movies/grocery, but railway lounge access only, no airport lounge at all.
AU Small Finance Bank
A virtual-only, invite-only card offered exclusively to existing AU Bank credit cardholders — explicitly stated as "currently applicable for the select base only" — sharing its credit limit with the cardholder's primary card but billed separately.
AU Small Finance Bank
Earns 5 points per ₹100 on grocery/departmental/contactless spend (capped 1,000 points/cycle, except contactless which is uncapped), with spend-gated domestic airport lounge access and 15% merchant discounts at Amazon Fresh, Zomato, and District.
AU Small Finance Bank
One of AU Bank's Aditya Birla co-brand pair (with ABC Flex) — marketed identically on a shared page, earning up to 6 points per ₹200 on utilities/grocery/education, with a quarterly milestone that DOUBLES every earn rate above ₹50,000 spend.
AU Small Finance Bank
The other half of AU Bank's Aditya Birla co-brand pair (with ABC Nxt) — identical terms on the same shared page, distinguished only by a separate login portal and co-brand name.
AU Small Finance Bank
Charges a recurring MONTHLY ₹49+GST fee (waivable each statement cycle on ₹10,000 spend) rather than an annual fee — earns 10 points per ₹200 on grocery/utilities/education/insurance, with no welcome benefit, no milestone, and no Ola cashback, unlike its three ABC siblings.
Federal Bank
The mass-market Federal Bank tier — 3x/2x/1x Federal Reward Points on healthcare/grocery, utility, and other spend — confirmed at a 2% forex markup, resolving an earlier, unconfirmed 3.5% claim found nowhere on the issuer's own site.
Federal Bank
The Mastercard network variant of Imperio, sharing identical fees, rewards, and lounge terms with its Visa sibling — no Mastercard-exclusive benefit (like Celesta's Golf Programme) was found for this tier.
IndusInd Bank
IndusInd's first dedicated fuel co-brand — earns genuinely unpriced "Smiles" at 12 per ₹100 on Jio-bp fuel/lubes/EV-charging/cafe spend, redeemable only at Jio-bp outlets, but its own fuel surcharge waiver terms could not be found anywhere despite being a fuel-focused card.
RBL Bank
An entry Patanjali co-brand card built around 10% cashback at Patanjali stores, with no lounge access and no published point redemption value for its general spend.
RBL Bank
The higher-fee Patanjali co-brand tier, adding domestic lounge access and a bigger Patanjali cashback cap over Vishisht, at a fixed ₹1,499 fee with no spend waiver.
RBL Bank
A no-fee entry rewards card with an accelerated grocery rate, undercut by an unpublished point redemption value.
RBL Bank
An invite-only upgrade to SaveMax, tripling the grocery rate and adding a fuel earn category, with the same unpublished point redemption value.
RBL Bank
A dining/grocery/international rewards card with real spend-gated domestic lounge access, undercut by an unpublished point redemption value.
RBL Bank
The entry tier of RBL's Maxima family, with the same dining/grocery/international earn structure as Maxima Plus at a lower fee and smaller milestone ceiling.
RBL Bank
A flat-rate cashback card on fuel, ride-hailing, and groceries, with real (if modest) domestic lounge access.
RBL Bank
A low-fee grocery cashback card with no lounge access or fuel benefit, and an unstated redemption value for its points-form cashback.
RBL Bank
ShopDaily's sibling, adding a monthly BookMyShow offer, but with the same discontinued-lounge contradiction seen on Binge and ShopSmart's own marketing page.
RBL Bank
A grocery-accelerated points card marketed as "lifetime free" on RBL's own landing page, while its current MITC and card-specific Terms & Conditions both charge ₹500/year unless a ₹1.5 lakh spend waiver is met.
