Best Grocery Credit Cards in India for April 2026

Here are some of the top grocery credit cards that will help you save considerably on your grocery expenses:

1. Swiggy HDFC Bank Credit Card

Joining Fee: Rs. 500
Annual Fee: Rs. 500

Best For: Grocery purchase through Swiggy Instamart

Key Features and Benefits:

• Complimentary 3 months Swiggy One membership on card activation
• 10% cashback, up to Rs. 1,500 per month, on Swiggy food ordering, Instamart, Dineout and Genie
• 5% cashback, up to Rs. 1,500 per month, on online spends
• 1% cashback, up to Rs. 500 per month, on all other card spends
• Card annual fee is waived off on reaching Rs. 2 lakh annual spends

 

Swiggy HDFC Bank Credit Card comes with great savings on your grocery and food delivery spends with 10% cashback on Swiggy and 5% back on other online platforms. With one of the highest cashback rates on groceries, this card gives substantial returns on overall spends as well. Moreover, cashback is credited automatically against the outstanding balance which lets you avoid the hassle of redemption.

2. HSBC Live+ Credit Card

Joining Fee: Rs. 999
Annual Fee: Rs. 999

Best For: All online and offline grocery spends

Key Features and Benefits:

• 10% cashback on all grocery, dining and food delivery spends (capped at Rs. 1,000 per month)
• 5% unlimited cashback on all other spends
• 1 complimentary domestic lounge visit per quarter
• 1,000 cashback on spending Rs. 20,000 within 30 days of card issuance and on downloading and logging into HSBC India Mobile Banking App
• 250 Amazon voucher on online application and completion of video KYC
• Up to 15% off on dining bills at 200+ partner restaurants via Live+ Dining Programme

 

Offering 10% cashback, HSBC Live+ can be a great option for grocery spends- both online and offline. Since accelerated cashback is not limited to certain brands, users can purchase groceries from anywhere and avail the benefit. Though there is maximum capping of Rs. 1,000 on the accelerated category, you will continue earning 1.5% base cashback across all spends, which would help you save a decent amount- not just on groceries but across other spending categories.

3. Tata Neu Infinity HDFC Bank Credit Card

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499

Best For: Grocery purchase through BigBasket and other spends on Tata Group Brands

Key Features and Benefits:

• 5% back as NeuCoins on partner Tata Brands (BigBasket for groceries) and on Tata Neu App
• 5% back as NeuCoins on spends across Non-Tata Brands
• 5% back as NeuCoins on any merchant EMI spend
• 5% back as NeuCoins on eligible UPI spends (on Rupay variant)
• Additional 5% on selected categories on Tata Neu website/app
• 1,499 NeuCoins as welcome benefit on Tata Neu App
• 8 complimentary domestic lounge visits in a calendar year
• 4 complimentary international lounge visits in a calendar year via Priority Pass
• 1% fuel surcharge waiver up to Rs. 500 in a statement cycle

 

Consumers who prefer BigBasket for their grocery purchases can get 5% back every time they spend. Though the earning on grocery spends are capped at 2,000 NeuCoins per month, it should not be considered a drawback, as you can continue to get the benefit on spends up to Rs. 40,000 (considering 5% value-back). Since a number of popular brands are part of Tata Group, you can save a significant amount on spends other than groceries. Overall, this card can be a great option for someone who prefers Tata Group brands.

4. Reliance SBI Card Prime

Joining Fee: Rs. 2,999
Annual Fee: Rs. 2,999

Best For: Grocery purchase through Reliance Smart Bazaar and other Reliance stores

Key Features and Benefits:

• 3,000 Reliance Retail voucher as welcome benefit
• 10 reward points per Rs. 100 spent at participating Reliance Retail Stores including Reliance Smart Bazaar, JioMart, Metro, FreshPik, MilkBasket, Smart Point, Sahakari Bhandar, Bismi Hypermart and Metro
• 5% cashback up to Rs. 1,000 per month on JioMart spends
• Up to 10% instant discount at select Reliance Retail Brands
• Additional 1 RelianceOne Point per Rs. 200 spent on offline grocery spends
• 5 reward points per Rs. 100 spent on dining, movies, entertainment, domestic airlines and international spends
• 2 reward points per Rs. 100 on other retail spends
• 1 movie ticket per month worth Rs. 250 through BookMyShow
• 8 complimentary domestic lounge visits per calendar year (2 per quarter)
• 1% fuel surcharge waiver up to Rs. 100 per statement cycle

 

Since a number of grocery stores are part of the Reliance Retail network, the Reliance SBI Card Prime could be quite a rewarding grocery credit card. Value-back is offered in the form of reward points where 1 reward point equals to Rs. 0.25. Though this might look like a low redemption value for reward points, the earning opportunities are plenty, especially for consumers who often shop at Reliance Retail Stores and associated brands. Accelerated rewards on dining, entertainment, etc. and lounge visits add to its benefits.

5. Axis SELECT Credit Card

Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000

Best For: Grocery purchase through BigBasket and grocery stores

Key Features and Benefits:

• Up to Rs. 500 off on BigBasket, once per month
• Up to Rs. 200 off on Swiggy, twice a month
• 20 EDGE reward points per Rs. 200 spent on retail shopping spends including grocery stores
• 10 EDGE reward points for every Rs. 200 spent
• Minimum Rs. 800 off on dining via EazyDiner
• 2 complimentary domestic lounge visits per quarter on spending Rs. 50,000 in the previous 3 months
• Up to 12 complimentary international airport lounge access via Priority Pass
• Up to 12 complimentary golf rounds per year
• 5,000 EDGE reward points on reaching Rs. 3 lakh annual spends

 

Unlike most credit cards that provide accelerated value-back on online spends, Axis SELECT offers double the rewards on retail spends at grocery stores, departmental stores, clothing and accessory stores, apparel stores, etc. However, the redemption value on this card stands quite low at Rs. 0.20 for each reward point. Cardholders also get additional discount on BigBasket and Swiggy, further adding to their savings. Benefits like international lounge access, Priority Pass membership and golf access make this card a good all-rounder option.

6. Equitas Selfe Credit Card

Joining Fee: Nil (Under limited period offer)
Annual Fee: Rs. 1,000

Best For: Rewards on grocery purchase without brand restrictions

Key Features and Benefits:

• 10 reward points per Rs. 100 spent across any two selected categories – Apparel, Dining, Grocery, Utility, or Taxi
• 2 reward points per Rs. 100 on other spends
• 1 Reward Point = Rs. 0.35 for redemption against products, vouchers, and flight, bus, or hotel bookings
• 1 Reward Point = Rs. 0.15 for Insta Redemption
• 1 complimentary domestic airport lounge visit every quarter
• Complimentary memberships to any two platforms from Amazon Prime, Jio Hotstar, Sony LIV, Zee5, or Discovery+

 

The Equitas Selfe Credit Card stands out for its customisable rewards structure, allowing users to choose ‘Grocery’ as one of the top categories and earn accelerated rewards on their spends. With a redemption value of up to Rs. 0.35 per point, the effective return on grocery purchases is quite competitive compared to similar entry-level cards. While the card limits accelerated rewards to only two categories, it balances this with flexibility and decent base rewards on other spends.