एक्सिस बैंक क्रेडिट कार्ड
भारत के अग्रणी निजी क्षेत्र के बैंकों में से एक एक्सिस बैंक, ग्राहकों की विभिन्न ज़रूरतों को पूरा करने के लिए कई तरह के क्रेडिट कार्ड प्रदान करता है। बैंक के क्रेडिट कार्ड पोर्टफोलियो में दैनिक खरीदारी, यात्रा, भोजन, ईंधन और बहुत कुछ के विकल्प शामिल हैं, जो कैशबैक, रिवॉर्ड पॉइंट और बिक्री और ऑफ़र तक विशेष पहुँच जैसे लाभों की एक श्रृंखला प्रदान करते हैं। इसके अतिरिक्त, बैंक के क्रेडिट कार्ड एक मजबूत क्रेडिट स्कोर बनाने में सहायता करने के लिए जाने जाते हैं, जो वित्तीय स्वास्थ्य के लिए महत्वपूर्ण है। आसान आवेदन प्रक्रिया, व्यापक ग्राहक सेवा और जीवनशैली के अनुभवों को बढ़ाने पर ध्यान देने जैसी सुविधाओं के साथ, एक्सिस बैंक के क्रेडिट कार्ड समझदार प्रबंधन और सुविधा के लिए एक योग्य वित्तीय उपकरण के रूप में सामने आते हैं।
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
Yes Prosperity Cashback Credit Card
The YES Prosperity Cashback Credit Card offers a cashback rate of 5% on your grocery
purchases. This can be a significant benefit for frequent grocery shoppers. On top of that,
you get 0.5% cashback on most other spending categories, excluding fuel. There is a
welcome offer of Rs. 250 cashback if you spend Rs. 2,500 within the first 30 days of getting the card. However, keep in mind there is a yearly fee of Rs. 999 (plus taxes) which you should factor in when deciding if this card is right for you.
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Credit CardAnnual Fee (one time): INR 999 + GST
Welcome Benefit: INR 250 Cashback on your first transaction of INR 2500.
Special Feature: 5% Cashback on Movie Ticket bookings and Grocery Shopping.
Fees and Charges
3.80% per month (45.6% annually)
Interest Rate
RBL Bank ShopRite Credit Card
Consider the RBL Bank ShopRite Credit Card if you're a frequent grocery shopper. It offers a
5% value back on groceries, translating to 20 reward points for every Rs. 100 spent. This can add up to significant savings over time. On top of that, you get a welcome bonus of 2,000 reward points just for signing up. There is an annual fee of Rs. 500, but it can be waived if you spend Rs. 1.5 lakhs in a year. Overall, this card is a decent option for grocery purchases with its cashback rewards and welcome bonus.
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Annual Fee (one time): INR 500 + GST
Welcome Benefit: The Cardholder is entitled to a ‘welcome benefit’ of 2000 reward
points on making a valid retail transaction within 30 days from the date of the Card
being issued by RBL Bank, and by paying the joining fees as reflected in the first Statement.
Special Feature: 20 Reward Points for every Rs.100 when you use your card for in store grocery shopping, effective in-store gorcery shopping cashback rate: 5%.
Fees and Charges
3.99% p.m (upto 47.88% p.a).
Interest Rate
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.
RBL Bank ShopRite Credit Card- The Cardholder is entitled to a ‘welcome benefit’ of 2000 reward points on making a
valid retail transaction within 30 days from the date of the Card being issued by RBL Bank, and by paying the joining fees as
reflected in the first Statement.
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%
RBL Bank ShopRite Credit Card- 1 Reward Point = INR 0.25. 1 Reward Point for every Rs.100 spent on all your purchases except fuel. 20 Reward Points for every Rs.100 when you use your card for in store grocery shopping, effective in-store
gorcery shopping cashback rate: 5%. 10 Reward Points for every Rs.100 when they use their card for fuel, effective fuel
cashback rate: 2.5%. General cashbackRate: 0.25% for all purchases except fueland grocery.
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.
RBL Bank ShopRite Credit Card - Joining/Annual Fees: Rs 500. 2nd Year Annual fees are waived off on annual spends of Rs 1.5 lac or more.
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.