RBL ShopRite given away as LTF gives 5% valueback in form of reward points on all Grocery MCC (5411) so Dmart, Zepto, Jiomart, Reliance SmartBazaar, BlinkIt and everywhere. The RuPay variant has UPI so maybe it does via UPI too for 5411 MCC. But they take ₹99+GST charges for point redemption. Points are valid for 2 years so can be redeemed once in 2 years. HSBC Cashback/Live+ gives 10% up to ₹1000 direct statement cashback but is never LTF.