Top 5 Grocery Credit Cards

Are you tired of spending a significant chunk of your budget on groceries? Well, you're not alone. Groceries form an essential part of our regular household expenses, and finding ways to save on these costs is crucial. Luckily, credit card issuers in India have recognized this need and offer specialized credit cards that provide value back on your grocery expenses. Whether it's extra rewards, cashback, or direct discounts, these cards can help you save more on your regular grocery bills. In this blog, we'll explore the best grocery credit cards in India that can make your trips to the supermarket more rewarding. Let's dive in!

HDFC Swiggy Credit Card

• Joining Fee / Renewal Membership Fee – ?500 /- + Applicable Charges
• Interest Rate: 3.6% per month (i.e., 43.2% per annum)
• Rewards: Get flat 10% cashback on swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. Enjoy 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month.

HDFC Swiggy Credit is a credit card that offers exclusive dining benefits and offers for Swiggy customers. With this card, you can enjoy up to 20% cashback on food orders, free Swiggy Super membership for a year, and access to premium restaurants and cuisines. HDFC Swiggy Credit also comes with other features such as zero annual fees, fuel surcharge waivers, and reward points on other categories. Whether you are ordering food for yourself, your family, or your friends, HDFC Swiggy Credit is the perfect card for you.

ICICI Amazon Pay Credit Card

• Joining Fees, Annual Fees, and Supplementary Card Fees: There is no joining fee for the Amazon Pay ICICI Bank Credit Card.
• Interest Rate: 3.5% - 3.8%p.m. or 42% - 45.6%p.a.
• Rewards: Cardholders can avail of 5% cashback on Amazon.in and Amazon Pay and Customers can avail of 15% savings on dining bills at over 2,500 partner restaurants.

If you're looking for a credit card that rewards your grocery shopping, the Amazon Pay ICICI Credit Card might be a perfect fit. The card offers 3% cashback on all grocery purchases made on Amazon.in, whether you're a Prime member or not. Additional 2% cashback on payments using Amazon Pay at select grocery supermarkets (limited-time offers may apply). Card helps you seamlessly pay for groceries through Amazon Pay, both online and in-store.

Reliance SBI Credit Card

• Annual Fee (one time): INR.?499 + Taxes
• Interest Rate: 3.50% per month (42% per annum)
• Rewards: 5 Reward Points per Rs. 100/- spent on the participating Reliance Retail Stores, and Rs. 500/- worth Reliance Retail Voucher on Annual Spends of Rs. 25,000/- at participating Reliance Retail Stores.

Reliance SBI Credit Card is an excellent choice for frequent shoppers at Reliance Stores who want to save more on their purchases. The Card Reliance Retail voucher worth ?500 as a welcome benefit. The card also helps you earn 5 reward points per ?100 spent on selected Reliance Retail stores. Additionally, there's an additional discount voucher worth ?3,200, which can be redeemed at Reliance brands such as JioMart, Ajio, Netmeds, and more. These vouchers will be delivered within 45 days of payment of joining fees.

TATA Neu Infinity Credit Card

• Joining/Renewal Membership Fee – ?1,499/- + Applicable Taxes?
• Interest Rate: 3.49% per month i.e 41.88% annually
• Rewards: 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands, 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends, and 1% back as NeuCoins on UPI spends. 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass.

Indulge in a world of Tata rewards with the TATA Neu Infinity HDFC Credit Card! Earn 5% NeuCoins on spends at Tata brands like BigBasket, AirAsia India, Tata Cliq, and partner brands like Cleartrip, Swiggy, and Zomato. Along with that enjoy 2% NeuCoins on all other spends and and a welcome bonus of 499 NeuCoins. So, if you're a loyal Tata enthusiast or simply enjoy valuable rewards, consider unlocking a world of benefits with the TATA Neu Infinity HDFC Credit Card.

Axis Bank Select Credit Card

• Joining Fee: INR 3,000
• Interest Rate: 3.6% per month (52.86% per annum)
• Rewards: 20% off up to Rs. 500 p.m. on a minimum purchase of Rs 2000 on the BigBasket mobile app, and 40% off up to a maximum of Rs. 200 on the Swiggy mobile app/ website.?

With the Axis Bank Select Credit Card, stock your pantry while saving money! Get 20% off your BigBasket orders up to ?500 every month when you stock up on basics (minimum purchase ?2000). Savor the convenience of online grocery shopping with this exclusive discount, available only once a month. The savings, however, don't stop there! Earn twice as many EDGE reward points (10 base points plus 10 bonus points) for every ?200 spent at grocery stores and other retail establishments. Utilize these points to maximize your shopping budget by exchanging them for fun prizes or deals. Now go ahead and use your Axis Bank Select Card at BigBasket or any other grocery store to enjoy the delectable blend of benefits and savings!

Conclusion

In conclusion, selecting the right grocery credit card can significantly enhance your purchasing power and savings at the checkout counter. After thorough research and analysis, we've identified the top five grocery credit cards that offer an array of benefits tailored to your shopping needs. Whether it's earning generous cash-back rewards, enjoying exclusive discounts, or receiving valuable perks like bonus points on groceries and gas purchases, these cards provide exceptional value for the savvy shopper.

Remember to consider your spending habits, lifestyle, and preferences when choosing the ideal grocery credit card for you. By leveraging the rewards and benefits offered by these cards, you can maximize your savings and make every trip to the grocery store more rewarding.

Ultimately, with the right grocery credit card in your wallet, you can turn everyday purchases into valuable rewards, helping you stretch your budget further and achieve your financial goals. So, take advantage of these top picks and start earning more on your grocery shopping today!