🥇SBI· ₹999 annual
SBI Cashback
5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.
₹25
5.00% back
Best credit card for Zepto in India
The best credit card for Zepto in 2026 is SBI Cashback, earning 5.00% back (₹25 on a ₹500 spend). Runner-up: HDFC Infinia Metal Edition at 3.33%.
Rates last verified: 27 April 2026
🥈HDFC· ₹12,500 annual
HDFC Infinia Metal Edition
5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels
₹17
3.33% back
🥉HDFC· ₹10,000 annual
HDFC Diners Club Black
5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels
₹17
3.33% back
Zepto rewards compared
| Card | Effective return | Back on ₹500 | Annual fee |
|---|---|---|---|
| SBI Cashback | 5.00% | ₹25 | ₹999 |
| HDFC Infinia Metal Edition | 3.33% | ₹17 | ₹12,500 |
| HDFC Diners Club Black | 3.33% | ₹17 | ₹10,000 |
| ixigo AU Credit Card | 2.50% | ₹13 | Lifetime free |
| Axis Bank Atlas | 2.00% | ₹10 | ₹5,000 |
Does Zepto have its own credit card?
No — Zepto has no co-branded credit card as of 2026. Zepto Pass is a savings membership, not a payment product, so the question is simply which existing card pays the most on Zepto orders.
Quick-commerce baskets are small and frequent, which favours flat-rate online cashback cards over points cards: a 5% cashback credited to your statement beats “5X points” you must remember to redeem, especially on ₹300–800 orders.
Cap math and the Zepto Pass angle
At a typical ₹8,000/month on Zepto, a 5% online card returns ₹400/month — ₹4,800 a year, comfortably inside SBI Cashback's ₹5,000/month cap (which needs ₹1,00,000 of monthly online spend to hit).
A Zepto Pass membership fee paid by card is an online spend like any other, so it earns rewards too. As with all quick commerce: pay the card directly at checkout — wallet or “add money” balances earn nothing on most cards.
How we picked these cards
For every Zepto transaction, we calculate the effective % return on each card — the actual rupees back at the best realistic redemption (Smartbuy, EDGE portal, statement credit, or airline transfer). Capped categories are honored, exclusions are noted, and redemption fees are factored in.
Reward rates are sourced from the bank's product page and re-verified by an automated weekly pipeline. The rate you see is what you actually earn, not the headline promo rate. Read the full methodology.
Top recommendations explained
1. SBI Cashback
5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.
SBI·₹999 annual fee·Earn ₹25 on this purchaseSource: www.sbicard.com2. HDFC Infinia Metal Edition
5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels
HDFC·₹12,500 annual fee·Earn ₹17 on this purchaseSource: www.hdfc.bank.in3. HDFC Diners Club Black
5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels
HDFC·₹10,000 annual fee·Earn ₹17 on this purchaseSource: www.hdfcbank.com
Frequently asked questions
Which credit card gives the most cashback on Zepto?
SBI Cashback earns 5.00% effective back on Zepto — 5% cashback on online spends (excludes utilities, rent, fuel), capped at ₹5000/month. 1% offline.
How is the "best" card on Zepto calculated?
We rank cards by effective rupee return at the best realistic redemption — accounting for monthly caps, exclusions, and redemption fees. Sources are bank product pages, verified within the last quarter.
Can I stack offers and credit card rewards on Zepto?
Yes, in most cases bank offers (e.g., 10% off) stack on top of credit card rewards. Always check the offer terms — some "no-cost EMI" or instant discounts disable cashback.
Do reward points expire?
Most Indian banks let you keep points active by spending at least once a year. HDFC and Axis points typically expire after 2–3 years. Amazon Pay ICICI rewards never expire.
Related: best cards for other groceries spends
Last verified: 27 April 2026. Reward rates are sourced from bank product pages and may change. Always confirm with the card issuer before applying.