Best card for groceries and dining
HSBC Live+ offers 10% on eligible grocery, dining and food delivery within a combined ₹1,200 monthly cap across its accelerated categories. That means ₹12,000 monthly accelerated eligible spend can exhaust the cap. Check HSBC city eligibility and merchant coding. Swiggy HDFC returns 10% on eligible Swiggy app orders, capped at ₹1,500 per billing cycle. HDFC Millennia can be useful at Swiggy and Zomato, subject to its separate monthly cap.
Check your own spend
Caps reset monthly or per statement; merchant classification and exclusions matter. Redeemable value is more useful than a points headline. Annual fee, tax and interest can erase the gain.
Compare your spend →Issuer sources
https://www.hsbc.co.in/credit-cards/products/live-plus/
https://www.hdfcbank.com/personal/pay/cards/credit-cards/swiggy-hdfc-bank-credit-card
https://www.hdfcbank.com/content/api/contentstream-id/723fb80a-2dde-42a3-9793-7ae1be57c87f/ef2bb403-39aa-46ae-aa45-bcd1ac8a538b
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