On ₹20,000 a month on groceries, plus ₹9,000 a month of other typical spending, the card that returns the most is HSBC Live+ Credit Card: about ₹14,760 a year after its fee, which is 4.24% of what you put on cards. HSBC Premier Credit Card comes next at ₹9,720. The middle card out of the 173 we could score returns ₹1,981, so the choice matters.
How this was worked out: ₹20,000 a month on groceries, plus ₹9,000 a month of other typical spending. Points counted as cashback. Figures are what each card returns in a year after its annual fee, read from the banks' own pages, last on 2026-09-30.
Your spending is not this spending. Put in your own numbers and the ranking re-sorts for you, with the working shown for every card.
On ₹20,000 a month on groceries, plus ₹9,000 a month of other typical spending, SahiCard ranks HSBC Live+ Credit Card first, returning about ₹14,760 a year after fees. Your own spending split can change the order, so check it on your numbers.
SahiCard takes each card's reward rates, monthly caps, excluded categories, foreign currency markup and annual fee from the bank's own pages and terms, applies them to the spending above, and shows the rupees left in a year. Cards are read from the banks' pages, last on 2026-09-30.
Probably, a little. Caps and bonus rates depend on where you spend, not just how much. Put in your own monthly spend by category on SahiCard to see your ranking.
No. SahiCard is independent: no bank pays us, sponsors us or sees what you type. The ranking is only the arithmetic.
No. It is information worked out from each bank's published terms. Eligibility, approval and offers are set by the bank, so check the bank's own page before you apply.