Yep but still not bad if you have bigbasket service in ur area. Other best is regalia rupay if you don't have dcb/infinia from hdfc already.
Most psu bank give max 0.5% on every 100 as regular rewards + you can add some cheap milestone. But you have to deal with idiots on every step if some support is needed.
Imo best cars is axis rupay iocl card but we need to wait for axis to join upi cc.