Best Grocery Credit Cards in India for April 2025
Here are some of the top grocery credit cards that will help you save considerably on your grocery expenses:
Swiggy HDFC Bank Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
10% cashback on Swiggy food orders, Instamart, Dineout & Genie
5% cashback on online spends
Product Details
- 1% cashback on other spends
- Up to Rs. 3,500 cashback in a month
- 3-month Swiggy One Membership worth Rs. 1,199 on card activation
- Renewal fee waived off on Rs. 2 lakh annual spends
HSBC Live+ Credit Card
Joining fee: ₹999
Annual/Renewal Fee: ₹999
10% cashback (max. Rs. 1,000/month) on dining, grocery & food delivery
Unlimited 1.5% cashback on other spends
Product Details
- 4 complimentary domestic airport lounge visits per year
- Rs. 1,000 cashback on making Rs. 20,000 worth of spends within the first 30 days of card issuance
- Up to 15% off at partner restaurants via Live+ Dining Programme
- Annual fee waived off on annual spends worth more than Rs. 2 lakh
Tata Neu Infinity HDFC Bank Credit Card
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
Up to 10% value-back on Tata Neu spends
8 domestic and 4 international Priority Pass lounge access per year
Product Details
- 5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
- Additional 5% NeuCoins on select spends at Tata Neu app/website
- 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
- 1,499 NeuCoins after the first spend within 30 days of card issuance
- Low forex markup fee of 2%
Amazon Pay ICICI Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
Up to 5% cashback on Amazon purchases
1% cashback across all offline spends
Product Details
- 5% cashback on Amazon spends for Prime members
- 3% cashback on Amazon spends for Non-prime members
- 2% cashback on spends at Amazon Pay partner merchants
- 1% cashback on other spends
- 1% waiver on fuel surcharge across all petrol pumps in India
Reliance SBI Card PRIME
Joining fee: ₹2999
Annual/Renewal Fee: ₹2999
10 Reward Points per Rs. 100 spent at Reliance Retail Stores
Reliance Retail vouchers of up to Rs. 14,999 on joining
Product Details
- 5 Reward Points per Rs. 100 spent on dining, movies/entertainment, domestic airlines and international spends
- 2 Reward Points per Rs. 100 spent on other retail spends; 1 Reward Point = Rs. 0.25 for Reliance Retail vouchers
- Reliance Retail vouchers of up to Rs. 8,750 on up to Rs. 3 lakh annual spends made at select Reliance Retail Stores
- 8 complimentary visits to domestic and 4 to international airport lounges every year, up to 2 per quarter each
- 1 free movie ticket a month of up to Rs. 250 & discount offers at select Reliance Retail stores
American Express SmartEarn™ Credit Card
Joining fee: ₹495
Annual/Renewal Fee: ₹495
10X* Membership Rewards® Points on Zomato, Flipkart, Myntra, etc.
5X* Membership Rewards® Points on spends at Amazon
Product Details
- 1 Membership Rewards® Point per Rs. 50 spent on other categories
- Rs. 500 voucher each on achieving annual spends of Rs. 1.20 Lakh, Rs. 1.80 Lakh & Rs. 2.40 Lakh respectively
- 0% convenience fee on fuel purchases below Rs. 5,000 at HPCL Petrol Pumps
Axis Bank SELECT Credit Card
Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
2X EDGE Reward Points acrosss all retail transactions
10,000 EDGE Reward Points worth Rs. 2,000 as welcome benefit
Product Details
- 10 EDGE Reward Points on every Rs. 200 spent
- Flat Rs. 500 off per month on BigBasket on minimum spend of Rs. 3,000
- Rs. 200 off on Swiggy, twice a month, on minimum spend of Rs. 1,000
- Up to 12 complimentary international lounge visits in a year & 2 domestic lounge visits per quarter
- Up to 12 complimentary golf rounds in a year
How to Choose Right Grocery Credit Card | Check Eligibility for Top Cards
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. Amazon Pay ICICI Bank Credit Card
Joining Fee: Nil
Annual Fee: Nil
Best For: Grocery purchase through Amazon Pantry and other Amazon Spends
Key Features and Benefits:
- 500 off on Amazon Prime membership and 1 month EazyDiner Prime memberships as activation benefit
- 5% cashback on Amazon purchases for Prime members
- 3% cashback on Amazon purchases for Non-prime members
- 2% cashback on spends made on Amazon Pay partner merchants
- 1% cashback on all other transactions
Amazon Pay ICICI Credit Card is one of the best grocery credit cards in India, typically for those who prefer Amazon Pantry. If you are a Prime user, you will earn 5% cashback and non-prime users get 3% back, which is still a good value-back. Apart from groceries, Amazon deals in wide-ranging products and those who frequently shop with Amazon can maximize the value offered by this card at zero joining or annual charges.
5. 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.
6. American Express SmartEarn™ Credit Card
Joining Fee: Rs. 2,999
Annual Fee: Rs. 2,999
Best For: Spends made on Blinkit and other associated brands
Key Features and Benefits:
- 10X Membership Rewards® Points on Blinkit, Flipkart, Myntra, Uber, Nykaa, Ajio, PVR & BookMyShow, up to 500 points per month
- 10X Membership Rewards® Points on Zomato spends, up to 500 points per month
- 5X Membership Rewards® Points on Amazon & Paytm Wallet, up to 250 points per month on both the merchants combined
- 1 Membership Rewards® Point per Rs. 50 spent on other categories
- 500 cashback on spending Rs. 10,000 within the first 90 days
- 500 voucher each on reaching annual spends of Rs. 1.20 lakh, Rs. 1.80 lakh & Rs. 2.40 lakh respectively
- Annual fee waived off on spending Rs. 40,000 and above in the previous year
For consumers who wish to get benefits in the form of reward points, American Express SmartEarn™ Credit Card could be a good choice. The card offers accelerated earning on Blinkit, Flipkart, and Amazon which allows the users to not be restricted to any one platform to save on their grocery spends. The base rate itself is good and with judicious use of the card, you can easily accumulate significant rewards and redeem them later to save more on groceries.
7. 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.