Best Credit Cards for Grocery Shopping

CHOOSE THIS CARD IF YOU ORDER GROCERIES ONLINE FROM AMAZON

Annual Fee: Nil

Key Features:

• Lifetime free credit card
• 5% cashback on Amazon purchases for Prime Members
• 3% cashback on Amazon purchases for Non-prime Members
• 2% cashback on transactions made for flight bookings, recharges, bill payments, gift cards, and spends on Amazon Pay partner merchants
• 1% cashback on all other transactions

Suggested read: Amazon Pay ICICI Credit Card Review | Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

Amazon Pay ICICI Credit Card is definitely one of the best grocery credit cards in India. This is because Amazon itself is one of the most popular platforms and deals in wide-ranging items. You can find almost everything you need on Amazon Pantry. If you are a prime user, you will earn 5% cashback and if you do not have Prime Membership, the cashback will be limited to 3%. The default cashback rate on Amazon Card, however, stands low at 1% as compared to Flipkart Axis Bank Credit Card. You should only go for this card if you use Amazon for most of your grocery needs but being lifetime free, having it in your wallet does not harm.

CHOOSE THIS CARD IF YOU WISH TO EARN HIGH REWARDS ON GROCERY SPENDS

Annual Fee: Rs. 495

Key Features:

• 10X Membership Reward Points on Flipkart, Amazon and Uber
• 5X Membership Reward Points on Paytm Wallet, Swiggy, Grofers, Big Bazaar, PVR, Myntra and more
• 1 Membership Reward Point per Rs. 50 on all other categories
• Milestone benefit of up to 1,250 Membership Reward Points upon meeting spending conditions
• Spend Rs. 10,000 in the first 90 years and get Rs. 500 cashback

Suggested read: Best Credit Cards for Reward Points | Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

If you wish to get benefits in the form of reward points, American Express SmartEarn Credit Card could be a good choice for you. The card offers accelerated earning on Flipkart, Amazon, Grofers (now Blinkit), BigBazaar and, as a result, users would not be restricted to one platform. The base rate itself is impressive and with judicious use of the card, you can easily accumulate significant rewards and redeem them later to save more on groceries.

CHOOSE THIS CARD IF YOU ORDER GROCERIES ONLINE FROM FLIPKART

Annual Fee: Rs. 500

Key Features:

• 5% cashback on Flipkart
• 4% cashback on preferred merchants (Cure.fit, Swiggy, PVR and Uber)
• 1.5% unlimited cashback on Myntra and flight & hotel payments on Flipkart
• 1.5% cashback on other categories
• 1,100 worth of joining and activation benefits
• 4 complimentary domestic lounge visits every year

Suggested read: Flipkart Axis Bank Credit Card Review | Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

You should consider getting this card if you purchase groceries from Flipkart Supermart. Flipkart Axis Bank Credit Card is one of the best cashback credit cards in India that offers up to 5% cashback on Flipkart and 4% on other partner websites and 1.5% flat cashback on all other spends. This is the second-highest flat cashback rate in the market after Axis Bank ACE Credit Card which offers 2% cashback.

The flat cashback rate on Flipkart is quite generous as compared to other cards in the market. Also, unlike Amazon Pay ICICI Card where cashback is credited in the form of Amazon Pay balance, the Flipkart card has kept it simple with a direct statement credit model. Whatever cashback you earn will be directly credited to your credit card account thus taking away the hassle of reward/ cashback conversion.

CHOOSE THIS CARD IF YOU FREQUENTLY SPEND ON DEPARTMENTAL STORES & APPAREL

Annual Fee: Rs. 1,000

Key Features:

• 10X reward points, up to 7,000 points per month, on every Rs. 125 spent at departmental stores and on apparel
• 2 EDGE Reward points on every Rs. 125 spent
• 30% off up to Rs. 150 per food delivery via Swiggy
• 2 complimentary domestic airports lounge access per quarter
• 5,000 EDGE Reward points on spending at least Rs. 1,000 within 30 days after card issuance
• 1,500 EDGE Reward points on spending Rs. 30,000 in a statement cycle
• 15% off up to Rs. 500 at partner restaurants

Suggested read: Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

Axis Bank Rewards Credit Card offers accelerated reward benefits of 20 EDGE Reward points on apparel and department store spends, besides the base reward points on all other spending categories. This card also gives a discount of up to 30% on Swiggy food deliveries twice a month on using the code ‘AXIS30’. So, you can apply for this card if you frequently buy groceries from department stores or order food delivery from Swiggy. The EDGE Reward points that you earn are directly added to your account and can be redeemed against the products, vouchers or services available in the Axis Bank rewards catalogue. Overall, this is a decent option if you are looking for a card that lets you save on your grocery purchases and are ready to pay an annual fee of Rs. 1,000 which you can easily recover through the reward points you earn.

CHOOSE THIS CARD IF YOU PREFER GROCERY PURCHASES AT SUPERMARKETS

Annual Fee: Rs. 999

Key Features:

• 5% cashback on your expenses at supermarkets
• 3X reward points on your expenses at other categories
• Exclusive offers and discounts on select partnered merchants
• Contactless payments by tapping your credit card at the PoS machine

Suggested read: StanC Manhattan Platinum Credit Card Review | Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

Unlike Amazon ICICI and Paytm SBI Select credit cards that reward you for online grocery shopping, Standard Chartered Manhattan Platinum Credit Card is best suited for those who make big purchases at supermarkets. There is no maximum cap on the amount of cashback. The good thing is that you can also earn reward points on other transactions.

The wide variety of offers on movies, dining and travel indeed make this credit card worth the annual fee of Rs. 999, especially if you can make the most of these features. Though the card offers cashback on only one specific category, it still rewards you for other expenses, which is good. However, if you are looking for cashback across all categories, this card may not be a perfect choice.

CHOOSE THIS CARD IF YOU WANT CASHBACK ON GROCERY PURCHASES ON ANY PLATFORM

Annual Fee: Rs. 999

Key Features:

• 5% cashback on movie ticket bookings and grocery shopping
• 0.50% cashback on all other retail spends
• 5% cashback on bill payments via YES PayNow
• Welcome cashback of Rs. 250 on spending Rs. 2,500 within 30 days of card activation
• 1% fuel surcharge waiver at all fuel stations across India

Suggested read: Best Cashback Credit Cards | Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

YES Bank Prosperity Cashback Credit Card not only offers 5% cashback on grocery shopping but also on utility bill payments, including rent payments, mobile recharge, telephone bill payment, gas and electricity bill payments via YES Bank’s PayNow service. Unlike Amazon and Flipkart credit cards which are only useful on their respective websites, this card lets you earn 5% cashback on all your grocery purchases, irrespective of where you make the purchase.

Another card with similar benefits is Axis ACE and it comes with a higher universal cashback rate of 2%, thus beating YES Prosperity Cashback. However, if you are not eligible for Axis Bank ACE Credit Card but specifically looking for a card that rewards you for heavy utility bill payments and grocery purchases every month, YES Prosperity Cashback can be a great alternative.

CHOOSE THIS CARD IF YOU SHOP FREQUENTLY AT NATURE’S BASKET

Annual Fee: Rs. 1,499

Key Features:

• Welcome benefit worth Rs. 1,499 along with Nature’s Basket ‘Epicure’ loyalty program.
• 10 reward points on Nature’s Basket; 5 reward points on travel, dining and movies and 1 reward point on other categories – on every Rs. 100 spent
• 4 complimentary visits per year (subject to 1 per quarter)
• 1% fuel surcharge waive across all petrol pumps
• Gift voucher worth Rs. 3,000 on spending Rs. 3 lakh or more

Suggested read: Nature’s Basket SBI Cards Review | Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

Nature’s Basket SBI Credit Card is one of the two co-branded credit cards that SBI Cards launched with Nature’s Basket. The card is designed for features around gourmet while offering benefits across other categories as well, such as dining, travel and entertainment.

If you are looking for a card that offers all-rounder benefits but is equally focused on grocery shopping, then you should consider opting for this card. You can also opt for this credit card if you are a Nature’s Basket loyalist and can afford to pay an annual fee of Rs. 1,499. If you want to avail better rewards and premium benefits on your grocery shopping, then you can also opt for the other variant of this card – Nature’s Basket SBI Card Elite. However, the premium variant comes with a high annual fee of Rs. 4,999.

CHOOSE THIS CARD IF YOU ORDER GROCERIES ONLINE FROM BIGBASKET

Annual Fee: Rs. 3,000

Key Features:

• 20% off (max. Rs.500) on BigBasket, once per month
• 40% off (max. Rs.200) on Swiggy, twice a month
• 10 Axis EDGE reward points for every Rs. 200 spent
• 2X reward points per Rs. 200 on retail shopping spends
• Amazon voucher worth Rs. 2,000 on your first transaction
• 2 complimentary domestic lounge visits per quarter

Suggested read: Axis Bank Select Credit Card Review | Check Eligibility for Similar Cards

Why is this suitable for Grocery Shopping?

Axis Bank Select Credit Card is a premium credit card that offers multidimensional benefits on your expenses. You can save not only on your grocery purchases but also on other categories be it movie, lifestyle or travel. The rewards rate offered on this credit card falls between 1% to 2%, which is a great deal. You can earn 10 eDGE reward points for every Rs. 200 spent (1% value) and 20 points per Rs. 200 spent on the retail category (2% value). However, the annual fee of Rs. 3,000 can take a toll on your pocket. But, this card justifies the fee by providing premium benefits like memberships, discounts, rewards, lounge access and more. Overall, you can apply for this card if you want to avail premium benefits and are ready to pay a high annual fee.

Many credit cards offer a great value back on your grocery spends. However, in order to find the right grocery credit card, you should bear the below-given points in mind:

Service Area: A co-branded credit card like SPAR SBI Credit Card must have its retail outlets in your area. Otherwise, there is no point in getting it. The same goes for Amazon Pantry/ Flipkart Supermart; if you live in an area that is not serviced by these companies, then it is not a good idea to get these cards.

Discount/Cashback Offered: Certain credit cards offer more cashback than others. A co-branded credit card like Amazon Pay ICICI Credit Card or Flipkart Axis Bank Credit Card offers more cashback on the collaborated brands, as compared to other credit cards that offer universal cashback.

Periodical Offers: Many credit cards give discounts or cashback on grocery spends for a fixed period. Afterwards, you might not get any offers on your grocery spends. Therefore, it is important to get a credit card whose offers are not limited to a set date and you can avail them as per your convenience.

Capped Benefits: Many credit card issuers advertises that they offer better cashback or discount on their credit cards. But, these offers might have a limit on the maximum discount/ cashback you can avail. Therefore, you should read the terms and conditions carefully to know what is the cap on the benefits.