Best Grocery Credit Cards in India – Cashback & Rewards

What are Grocery Credit Cards?

Grocery credit cards are credit cards designed to reward you for your regular spending on groceries. They often come with benefits like cashback rewards, points, or discounts specifically for purchases at supermarkets, online grocers, and wholesale clubs. This can help you save a significant amount on a category that makes up a large portion of most household budgets. These cards may also offer additional perks like extended warranties on perishables or bonus rewards on other spending categories that complement groceries, such as dining out.

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HDFC Swiggy Credit Card

The HDFC Swiggy Credit Card is a great option for foodies and grocery shoppers alike. It particularly shines for those who frequently use Swiggy's grocery delivery service, Swiggy Instamart. With this card, you can earn a high 10% cashback on Swiggy Instamart purchases, effectively reducing your grocery bill. The cashback applies to orders above Rs. 199, making it perfect for your regular grocery needs. Additionally, the card offers 10% cashback on all Swiggy food orders, including restaurants, and even covers other Swiggy services like Genie (deliveries) and Dineout (restaurant reservations). There's also a complimentary 3-month Swiggy One membership for free deliveries and discounts, further enhancing your savings potential on Swiggy.

Joining Fee: ₹500 /- + Applicable Charges

Welcome Benefit: Earn free Swiggy One membership for 3 months, with exclusive discounts and benefits like free deliveries and priority customer service. Special Feature: 10% Cashback earned on Swiggy HDFC Bank Credit Card is redeemable as Swiggy Money only on Swiggy application on following Swiggy platforms - Food ordering, Instamart, Dineout, and Genie.

Fees and Charges

3.6% per month (i.e., 43.2% per annum).

ICICI Amazon Pay Credit Card

The Amazon Pay ICICI Bank Credit Card is a great option for frequent Amazon shoppers and grocery buyers. While it offers a baseline 1% cashback on all other payments, it shines with a boosted 3% cashback on grocery purchases made directly on Amazon.in. This can translate to significant savings on your monthly grocery bills. For non-Prime members, the card still offers a respectable 3% cashback on all Amazon purchases, making it a well- rounded card for those who heavily utilize Amazon for various needs. However, if you're not a loyal Amazon customer, the grocery cashback benefit might be less attractive compared to cards offering wider grocery store coverage.

Joining Fee / Renewal Membership Fee: NIL

Welcome Benefit: Rs 600 Amazon Gift Card for non-Prime applications, and Rs 750 Amazon Gift Card for Prime members. Special Feature: There is no maximum cap for the rewards earned on Amazon Pay ICICI Bank credit card.

Fees and Charges

3.5% - 3.8%p.m. or 42% - 45.6%p.a.

Flipkart Axis Bank Credit Card

Joining/Renewal Membership Fee: INR 500 + Applicable Taxes

Welcome Benefit: INR 600 as card activation benefit. Along with that customers can also get Rs. 500 worth of Flipkart vouchers on their first transaction, and 50 % off upto INR 100 on 1st order on Swiggy. Special Feature: 5% unlimited cashback on Flipkart and Myntra.

Fees and Charges

3.40% per month (49.96% per annum).

Reliance SBI Card Prime

Reliance SBI Card Prime doesn't offer a specific cashback benefit for groceries. However, it earns you 10 reward points for every Rs. 100 spent on groceries, departmental stores and movies. These points can be redeemed for vouchers or other rewards. The card also offers other benefits like complimentary lounge access at domestic airports and fuel surcharge waiver, making it a good option for frequent travelers and those who spend a lot on these categories. Since reward points can be redeemed for vouchers that can be used for groceries, it can be indirectly beneficial for grocery shopping.

Joining/Renewal Membership Fee:₹ 2,999/- + Applicable Taxes

Welcome Benefit: Get a Reliance Retail voucher worth INR 3,000 as a welcome benefit.

Special Feature: 10 points on spend of every INR 100 on Reliance Retail stores. Value of 1 point = INR 0.25. Effective Reliance Retail store cashback rate: 2.5%.

Fees and Charges

3.50% per month (42% per annum)

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TATA Neu Infinity Credit Card

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.

Joining Fee / Renewal Membership Fee: ₹1,499/- + Applicable Taxes

Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as a reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.

Fees and Charges

3.49% per month i.e 41.88% annually

Axis Bank Select Credit Card

With the Axis Bank Select Credit Card, stock your pantry while saving money! Get 20% of 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!

Joining Fees, and Annual Fees: INR 3,000

Welcome Benefit: Amazon voucher worth Rs 2000 on your first card transaction within 90 days of issuance.

Special Feature: 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.

Fees and Charges

3.6% per month (52.86% per annum).

SBI Card Elite

The SBI Card Elite rewards you with 5X reward points on every Rs. 100 spent at grocery stores. This means you earn points at a much faster rate compared to other spending categories. These points can be redeemed for various rewards like cashback, vouchers, or merchandise. So, if you're a frequent grocery shopper, the SBI Card Elite could be a good option to consider.

Joining Fees: INR 4499/-

Welcome Benefit: E- Gift Voucher worth Rs. 5,000 which can be redeemed for various brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop. Special Feature: Get 5X Reward Points on Dining, Departmental stores, and Grocery Spends

Fees and Charges

3.50% per month (42% per annum)

​ Tata Neu Plus HDFC Bank Credit Card

The Tata Neu Plus HDFC Bank Credit Card offers rewards for grocery shoppers. You can earn 2% cashback in the form of NeuCoins on groceries, with a monthly cap of 1,000 NeuCoins. Additionally, if you opt for NeuPass membership, you can earn an additional 5% cashback on groceries. You can redeem NeuCoins for purchases on various Tata Neu partner brands including Bigbasket. Overall, this card can be a good option if you spend a significant amount on groceries every month.

Joining fee: INR 499 + GST

Welcome Benefit: Get 499 NeuCoins on Tata Neu App (as a reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction. Special Feature: None

Fees and Charges

3.49% per month i.e 41.88% annually

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Welcome Benefits

HDFC Swiggy Credit Card -  Complimentary Swiggy One Membership for 3 months on card activation.

ICICI Amazon Pay Credit Card -  Rs 600 Amazon Gift Card for non-Prime applications, and Rs 750 Amazon Gift Card for Prime members.

Flipkart Axis Bank Credit Card - INR 600 as a card activation benefit. Along with that customers can also get Rs. 500 worth of Flipkart vouchers on their first transaction, and 50 % off up to INR 100 on 1st order on Swiggy.

Reliance SBI Credit Card - Prime Get Reliance Retail voucher worth INR3,000 as welcome benefit.

TATA Neu Infinity Credit Card -  Get 499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.

Axis Bank Select Credit Card - Amazon voucher worth Rs 2000 on your first card transaction within 90 days of issuance.

SBI Card Elite -  E- Gift Voucher worth Rs. 5,000 which can be redeemed for various brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.

Tata Neu Plus HDFC Bank Credit Card - Get 499 NeuCoins on Tata Neu App (as a reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction. Yes Prosperity Cashback Credit -  Card INR 250 Cashback on your first transaction of INR 2500.

Rewards Table

HDFC Swiggy Credit Card -  Get flat 10% cashback on swiggy order (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. Earn 1% cashback on all other eligible spends, capped at INR 500 per month.

ICICI Amazon Pay Credit Card -  The reward rate is between 1% to 5% based on Prime membership status and purchase category. So if you shop for Rs 20000 every month from Amazon India as a Prime member, you get Rs 1000 as Amazon Pay Rewards! Each reward point is equal to Rs 1 for this card.  There is no maximum cap for the rewards earned on Amazon Pay ICICI Bank credit card.

Reliance SBI Credit Card Prime -10 point on spend of every INR 100 on Reliance Retail stores. Value of 1 point =INR 0.25. Effective Reliance Retail store cashback rate: 2.5%. Get 5 points on spend of every INR 100 on dinning, movies & entertainment, domestic airlines and international spends. Effective dining/entertainment cashback rate: 1.25%. Get 2 points on all other retail spends. Effective general cashback rate: 0.5%.

Flipkart Axis Bank Credit Card - 5% unlimited cashback on Flipkart and Myntra. 4% unlimited cashback on Swiggy, Uber, Cleartrip, Cultfit, and PVR. 1.5% unlimited cashback on other categories. Reliance SBI Credit Card Prime 10 point on spend of every INR 100 on Reliance Retail stores. Value of 1 point = INR 0.25. Effective Reliance Retail store cashback rate: 2.5%. Get 5 points on spend of every INR 100 on dinning, movies & entertainment, domestic airlines and international spends. Effective dining/entertainment cashback rate: 1.25%. Get 2 points on all other retail spends. Effective general cashback rate: 0.5%. TATA Neu Infinity Credit Card - NeuCoins Redemption: You can use your NeuCoins for purchases on Tata Neu App/Website for various brands. For every Rs. 100 spent you get 1NeuCoin. 1 NeuCoin = ₹1, redeemable on Tata Neu App.The cashback earned is capped at Rs. 1500 per calendar month for Tata Neu transactions, Rs. 500 per calendar month for accelerated categories, and Rs. 2000 per calendar month for all other retail transactions. The effective Cashback rate varies from 1% to 5%.

Axis Bank Select Credit Card - You can earn 5 Axis EDGE REWARDS Points on every INR 100 that you spend with the Axis Bank Select Credit Card. The value of each point is INR 0.2. The effective cashback rate is 1%.

SBI Card Elite -  Get 5X reward points on dining,departmental stores and grocery spends. Value of 1 reward point = INR 0.25. Effective cashback rate: 1.25% Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective cashback rate: 0.5%.

Tata Neu Plus HDFC Bank Credit Card -  1 NeuCoin = ₹1, redeemable on the Tata Neu App 2% cash back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands. 1% cash back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends. 1% cash back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month.7% cash back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App.

Yes Prosperity Cashback Credit Card- Get up to 5% cashback on your movie ticket bookings and grocery shopping, and get 0.50% cashback on all other spends except fuel. Effective Cashback Rate: 2.5%

Annual Fees

HDFC Swiggy Credit Card -Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges. ICICI Amazon Pay Credit Card -Lifetime Free Credit Card Flipkart Axis Bank Credit Card - Joining fee: Rs. 500. Annual fee -2nd year Onwards: Rs. 50.  Annual fee waived off on annual spends greater than Rs. 2,00,000). Reliance SBI Credit Card - Prime Annual Fee (one time): INR. 2,999 + Taxes Renewal Fee (per annum): INR 2,999 + Taxes. TATA Neu Infinity Credit Card - Joining/Renewal Membership Fee –₹1,499/- + Applicable Taxes. Axis Bank Select Credit Card -  Joining Fee: INR 3,000. Annual Fee - 2nd Year onwards: Rs 3,000. SBI Card Elite- Annual Fee (one time): Rs. 4,499 + Taxes Renewal Fee (per annum): Rs. 4,499 +Taxes from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000. Tata Neu Plus HDFC Bank Credit Card -  Joining/Renewal Membership Fee – ₹499/- + Applicable Taxes Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived. Yes Prosperity Cashback Credit Card - First Year Membership Fee of INR 999 +Applicable Taxes. Renewal Membership Fee of INR 999 +Applicable Taxes.

FAQs

Q: Rewards programs: What kind of rewards should I look for? Many grocery cards offer cash back or points specifically for grocery purchases. Choose a card that matches your spending habits. Some offer bonus rewards in other categories like gas  or dining. Q: Annual fees: Are they worth it? Cards with higher annual fees often have richer rewards programs. If you spend a lot on groceries and can pay your balance in full each month, the rewards can outweigh the fee. Consider cards with waived annual fees if you spend less.

Q: Welcome bonuses: How much do they matter? Welcome bonuses can be a nice perk, but focus on long-term rewards. A card with a smaller bonus but a higher ongoing cash back rate might be better in the long run. Q: Interest rates: Do they matter if I pay my balance in full? If you always pay your balance on time, interest rates are less important. However, unexpected situations can arise. Consider a low APR (Annual Percentage Rate) for a safety net. Q: Foreign transaction fees: Do I need to worry about them? Most grocery shopping happens domestically, but if you shop at international stores, choose a card with no foreign transaction fees. Q: Other benefits: Are there any extras to consider? Some cards offer extended warranties on purchases, purchase protection, or free grocery delivery services. These can add value depending on your needs. Q: Credit score requirement: What credit score do I need? Grocery credit cards can range from cards with no annual fee requiring a fair credit score to premium cards with high rewards requiring excellent credit. Check the credit score requirement before applying. Q: Multiple cards: Can I have more than one grocery card? Yes, but consider the management hassle. If you have two cards with different benefits, keep track of which card to use for specific purchases. Q: Security features: How important are they? Choose a card with chip and PIN technology and fraud protection features for added security. Q: Balance transfer offers: Are they a good idea? Balance transfer offers with a 0% APR period can be tempting for existing credit card debt,but ensure you can pay it off before the introductory period ends and high regular APR kicks in.