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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.

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.

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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).

Interest Rate

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.

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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.

Interest Rate

Flipkart Axis Bank Credit Card

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.The Flipkart Axis Bank Credit Card offers a great way to earn rewards on your online
shopping, especially for Flipkart regulars. You'll get 5% unlimited cashback on Flipkart
purchases, including groceries. While there aren't any current special promotions for
groceries specifically, the 5% cashback applies to all grocery purchases on Flipkart, making it
a good option for everyday savings on your shopping bills.

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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).

Interest Rate

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.

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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)

Interest Rate

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.

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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

Interest Rate

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!

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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).

Interest Rate

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.

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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)

Interest Rate

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.

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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

Interest Rate