Best card by app
Best credit card for Zepto
Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026
Quick answer. For ₹5,000 a month on Zepto, HSBC Live+ returns about ₹6,000 a year, or ₹5,001 after its ₹999 annual fee. With no annual fee, CheQ AU returns ₹1,500 a year.
Most back at ₹5,000 a month HSBC Live+ ₹5,001 a year after the fee Most back at ₹15,000 a month HSBC Live+ ₹13,941 a year after the fee Best with no annual fee CheQ AU ₹1,500 a year
Pick your monthly Zepto spend
₹1,000 ₹2,000 ₹3,000 ₹5,000 ₹7,500 ₹10,000 ₹15,000 ₹20,000 ₹30,000
₹3,000 a month on Zepto # Card Rewards a year Annual fee Net a year Link 1 HSBC RuPay Cashback HSBC India ₹3,600 ₹499 ₹3,101 Apply 2 HSBC Live+ HSBC India ₹3,600 ₹999 ₹2,601 Apply 3 Shoprite RBL Bank ₹1,800 ₹500 ₹1,300 Apply 4 Kotak Cashback+ Kotak Mahindra Bank ₹1,800 ₹750 ₹1,050 Apply 5 Kotak Cashback+ Prime Kotak Mahindra Bank ₹1,800 ₹750 ₹1,050 Bank page 6 CheQ AU AU Small Finance Bank ₹900 Free ₹900 Bank page 7 ICICI Bank Parakram Select ICICI Bank ₹900 Free ₹900 Bank page 8 Jalsa RBL Bank ₹1,800 ₹999 ₹801 Bank page 9 Standard Chartered Manhattan Platinum Standard Chartered Bank India ₹1,800 ₹999 ₹801 Bank page 10 Axis Bank Cashback Axis Bank ₹1,800 ₹1,000 ₹800 Apply
₹5,000 a month on Zepto # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹6,000 ₹999 ₹5,001 Apply 2 HSBC RuPay Cashback HSBC India ₹4,800 ₹499 ₹4,301 Apply 3 Shoprite RBL Bank ₹3,000 ₹500 ₹2,500 Apply 4 Kotak Cashback+ Kotak Mahindra Bank ₹3,000 ₹750 ₹2,250 Apply 5 Kotak Cashback+ Prime Kotak Mahindra Bank ₹3,000 ₹750 ₹2,250 Bank page 6 Jalsa RBL Bank ₹3,000 ₹999 ₹2,001 Bank page 7 Standard Chartered Manhattan Platinum Standard Chartered Bank India ₹3,000 ₹999 ₹2,001 Bank page 8 Axis Bank Cashback Axis Bank ₹3,000 ₹1,000 ₹2,000 Apply 9 PhonePe SBI Card SELECT BLACK SBI Card ₹3,000 ₹1,499 ₹1,501 Bank page 10 CheQ AU AU Small Finance Bank ₹1,500 Free ₹1,500 Bank page
₹7,500 a month on Zepto # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹9,000 ₹999 ₹8,001 Apply 2 HSBC RuPay Cashback HSBC India ₹4,800 ₹499 ₹4,301 Apply 3 Kotak Cashback+ Kotak Mahindra Bank ₹4,500 ₹750 ₹3,750 Apply 4 Kotak Cashback+ Prime Kotak Mahindra Bank ₹4,500 ₹750 ₹3,750 Bank page 5 Jalsa RBL Bank ₹4,500 ₹999 ₹3,501 Bank page 6 Standard Chartered Manhattan Platinum Standard Chartered Bank India ₹4,500 ₹999 ₹3,501 Bank page 7 Axis Bank Cashback Axis Bank ₹4,500 ₹1,000 ₹3,500 Apply 8 PhonePe SBI Card SELECT BLACK SBI Card ₹4,500 ₹1,499 ₹3,001 Bank page 9 Shoprite RBL Bank ₹3,075 ₹500 ₹2,575 Apply 10 CheQ AU AU Small Finance Bank ₹2,250 Free ₹2,250 Bank page
₹10,000 a month on Zepto # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹12,000 ₹999 ₹11,001 Apply 2 Standard Chartered Manhattan Platinum Standard Chartered Bank India ₹6,000 Free ₹6,000 Bank page 3 Kotak Cashback+ Kotak Mahindra Bank ₹6,000 ₹750 ₹5,250 Apply 4 Kotak Cashback+ Prime Kotak Mahindra Bank ₹6,000 ₹750 ₹5,250 Bank page 5 Jalsa RBL Bank ₹6,000 ₹999 ₹5,001 Bank page 6 Axis Bank Cashback Axis Bank ₹6,000 ₹1,000 ₹5,000 Apply 7 PhonePe SBI Card SELECT BLACK SBI Card ₹6,000 ₹1,499 ₹4,501 Bank page 8 HSBC RuPay Cashback HSBC India ₹4,800 ₹499 ₹4,301 Apply 9 PVR INOX Kotak Kotak Mahindra Bank ₹3,600 ₹499 ₹3,101 Bank page 10 CheQ AU AU Small Finance Bank ₹3,000 Free ₹3,000 Bank page
₹15,000 a month on Zepto # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹14,940 ₹999 ₹13,941 Apply 2 Kotak Cashback+ Kotak Mahindra Bank ₹9,000 ₹750 ₹8,250 Apply 3 Kotak Cashback+ Prime Kotak Mahindra Bank ₹9,000 ₹750 ₹8,250 Bank page 4 Axis Bank Cashback Axis Bank ₹9,000 ₹1,000 ₹8,000 Apply 5 PhonePe SBI Card SELECT BLACK SBI Card ₹9,000 ₹1,499 ₹7,501 Bank page 6 Standard Chartered Manhattan Platinum Standard Chartered Bank India ₹6,300 Free ₹6,300 Bank page 7 Jalsa RBL Bank ₹6,000 ₹999 ₹5,001 Bank page 8 PVR INOX Kotak Kotak Mahindra Bank ₹5,400 ₹499 ₹4,901 Bank page 9 CheQ AU AU Small Finance Bank ₹4,500 Free ₹4,500 Bank page 10 Shaurya Select SBI Card SBI Card ₹4,500 Free ₹4,500 Bank page
₹20,000 a month on Zepto # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹15,840 Free ₹15,840 Apply 2 Axis Bank Cashback Axis Bank ₹12,000 ₹1,000 ₹11,000 Apply 3 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 ₹1,499 ₹10,501 Bank page 4 Kotak Cashback+ Kotak Mahindra Bank ₹9,300 Free ₹9,300 Apply 5 Kotak Cashback+ Prime Kotak Mahindra Bank ₹9,300 Free ₹9,300 Bank page 6 Hello Cashback IDFC FIRST Bank ₹7,200 Free ₹7,200 Apply 7 PVR INOX Kotak Kotak Mahindra Bank ₹7,200 ₹499 ₹6,701 Bank page 8 Standard Chartered Manhattan Platinum Standard Chartered Bank India ₹6,600 Free ₹6,600 Bank page 9 CheQ AU AU Small Finance Bank ₹6,000 Free ₹6,000 Bank page 10 BPCL SBI Card OCTANE SBI Card ₹6,000 Free ₹6,000 Apply
₹30,000 a month on Zepto # Card Rewards a year Annual fee Net a year Link 1 HSBC Live+ HSBC India ₹17,640 Free ₹17,640 Apply 2 Axis Bank Cashback Axis Bank ₹18,000 ₹1,000 ₹17,000 Apply 3 PhonePe SBI Card SELECT BLACK SBI Card ₹12,000 Free ₹12,000 Bank page 4 Hello Cashback IDFC FIRST Bank ₹10,800 Free ₹10,800 Apply 5 PVR INOX Kotak Kotak Mahindra Bank ₹10,800 ₹499 ₹10,301 Bank page 6 Kotak Cashback+ Kotak Mahindra Bank ₹9,900 Free ₹9,900 Apply 7 Kotak Cashback+ Prime Kotak Mahindra Bank ₹9,900 Free ₹9,900 Bank page 8 CheQ AU AU Small Finance Bank ₹9,000 Free ₹9,000 Bank page 9 Bank of Maharashtra SBI Card PRIME SBI Card ₹9,000 Free ₹9,000 Bank page 10 BPCL SBI Card OCTANE SBI Card ₹9,000 Free ₹9,000 Apply
Rewards a year: what the card pays back on Zepto alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.
Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked.
Questions Which credit card gives the most back on Zepto? At ₹5,000 a month, HSBC Live+ gives the most after its annual fee: about ₹5,001 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.
Is there a lifetime free card for Zepto? CheQ AU charges no annual fee and returns about ₹1,500 a year on ₹5,000 a month of Zepto spends.
How does Saifu work these figures out? Each card's reward rules, caps and exclusions from its bank's terms are run on three months of Zepto spends at each amount, then scaled to a year. Only Zepto spends count towards the caps here; if your other spends share the same cap, you get less.
See also: best cards by type , find a card for all your spends , compare two cards .