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!
FAQs:
HDFC SWIGGY CREDIT CARD:
Q: What is the cashback rate on Swiggy spends?
You get 10% cashback on Swiggy orders (food, Instamart, Dineout & Genie).
Q: What is the cashback rate for other categories?
You get 5% cashback on online spends across certain categories and 1% on other spending.
Q: When do I receive my cashback?
Cashback is credited to your account within 90 days after the statement closing date.
Q: Is there a limit on the amount of cashback I can earn?
Yes, there are limits depending on the spending category. Check the HDFC website for details.
Q: I have a Swiggy One membership. Does this card offer any additional benefits?
Yes, you get a complimentary 3-month Swiggy One membership on card activation.
Q: What is the annual fee for this card?
₹500 + taxes are charged once a year. The fee is waived off if you spend ₹2 lakh or more in a year.
Q: Are there any foreign transaction charges?
Yes, 1% fee is charged on international transactions.
Q: What are the charges for cash advances?
2.5% of the amount withdrawn or ₹500, whichever is higher.
Q: What is the eligibility criteria for this card?
You need to be an Indian resident with a good credit score and meet HDFC's income requirements.
Q: How can I apply for this card?
You can apply online through the HDFC website or mobile app.
AMAZON PAY ICICI CREDIT CARD:
Q: What do I earn on Amazon purchases?
Prime members earn unlimited 5% reward points on Amazon.in (except certain exclusions), while others earn 2%.
Q: What rewards do I get on other purchases?
Earn 1% reward points on all other spending, including fuel and bill payments.
Q: What are these reward points called and how do I use them?
They are called Amazon Pay balance and can be used for purchases on Amazon.in and partner merchants using Amazon Pay.
Q: Are there any limits on earning or redeeming rewards?
No, there are no limits on earnings or minimums for redemption.
Q: Does this card offer any welcome bonus?
Yes, you may receive a welcome bonus depending on the offer currently available. Check the Amazon Pay website for details.
Q: Does this card have an annual fee?
No, there is no joining or annual fee for this card.
Q: Are there any foreign transaction charges?
Yes, a 1% fee is charged for international transactions.
Q: Does this card provide airport lounge access?
No, this card does not offer complimentary airport lounge access.
Q: What are the eligibility criteria for this card?
You need to be an Indian resident with a good credit score and meet ICICI Bank's income requirements.
Q: How can I apply for this card?
You can apply online through the Amazon Pay website or app, or visit an ICICI Bank branch.
RELIANCE SBI CREDIT CARD:
Q: What different types of Reliance SBI Credit Cards are available?
There are various cards catering to different needs, like co-branded cards with specific partners (Reliance Jewels, Yatra), fuel cards, cashback cards, and premium cards.
Q: What are the eligibility criteria for applying?
It depends on the specific card, but generally, you need to be an Indian resident with a good credit score and stable income.
Q: What rewards do I earn with this card?
Varies by card type. Some offer cashback, fuel surcharge waiver, reward points redeemable for various products, or discounts on specific brands like Reliance outlets.
Q: Is there a minimum spending requirement for earning rewards?
Yes, minimum spending requirements might apply depending on the card and specific reward. Check the specific card details.
Q: What is the annual fee for this card?
Fees vary depending on the card type. Some have annual fees, while others offer fee waivers based on annual spending.
Q: Are there any additional charges, like late payment fees or over-limit charges?
Yes, standard late payment, over-limit, and cash advance fees apply. See the card's terms and conditions for details.
Q: How can I apply for a Reliance SBI Credit Card?
Apply online through the SBI Card website or app, visit an SBI branch, or call customer service.
Q: How do I manage my card account?
You can manage your account online through the SBI Card website or app, or by calling customer service.
Q: Does this card offer any emergency assistance services?
Some premium cards offer emergency assistance features like travel concierge services. Check the specific card details.
Q: Is there a way to convert my existing credit card to a Reliance SBI Credit Card?
This depends on your current card and may not be possible for all cards. Contact SBI Card customer service for details.
TATA NEU INFINITY HDFC CREDIT CARD:
Q: What is the NeuCoin earning rate?
You earn 5% NeuCoins on spending at Tata brands (BigBasket, AirAsia India, Tata Cliq) and partner brands like Cleartrip, Swiggy, and Zomato. You earn 1.5% NeuCoins on all other eligible spends.
Q: What can I use NeuCoins for?
Redeem NeuCoins for discounts and purchases across Tata brands, partner brands, and the Tata Neu app.
Q: Is there a welcome bonus?
Yes, you receive a welcome bonus of 499 NeuCoins upon card activation.
Q: Are there any reward multipliers or bonus categories?
Yes, some cards offer additional NeuCoins on specific categories like dining or travel depending on the variant.
Q: Are there any other charges I should be aware of?
Yes, standard late payment and over-limit fees apply. Additionally, foreign transaction charges and cash advance fees apply.
Q: Does this card offer exclusive discounts or offers on Tata Neu platform?
Yes, cardholders enjoy exclusive discounts and early access to select sales on the Tata Neu platform.
Q: What are the eligibility criteria for this card?
You need to be an Indian resident with a good credit score and meet HDFC's income requirements.
Q: How can I apply for this card?
You can apply online through the HDFC website or mobile app, visit an HDFC branch, or call their customer service.
Q: Does this card offer airport lounge access?
Yes, you get complimentary domestic airport lounge access with select variants.
Q: Does this card offer any insurance benefits?
Yes, it offers travel insurance, accident insurance, and purchase protection insurance as per the specific variant.
AXIS BANK SELECT CREDIT CARD:
Q: What rewards do I earn with this card?
You earn 10 EDGE Reward points for every ₹200 spent on all transactions. Some specific categories like insurance, rent, fuel, educational services, utilities, and government payments are not eligible for these bonus points.
Q: What can I redeem my EDGE Reward points for?
You can redeem them for exciting rewards like flights, hotel stays, electronics, vouchers, and more through the Axis Bank website or app.
Q: Is there a welcome bonus?
Yes, you can earn a welcome bonus of 2,000 EDGE Reward points upon card activation and completion of initial spends.
Q: What is the annual fee for this card?
₹3000 + taxes. However, the annual fee is waived off if you spend ₹1 lakh or more in a year.
Q: Are there any other charges I should be aware of?
Yes, standard charges like late payment fees, over-limit fees, and cash advance fees apply. Check the Axis Bank website for detailed information.
Q: What are the eligibility criteria for this card?
You need to be an Indian resident with a good credit score and meet Axis Bank's income requirements.
Q: How can I apply for this card?
You can apply online through the Axis Bank website or mobile app, visit an Axis Bank branch, or call their customer service.
Q: Does this card offer any airport lounge access?
No, this card does not offer complimentary airport lounge access.
Q: Does this card offer any insurance benefits?
Yes, it offers complimentary purchase protection insurance and accidental death insurance with specific limits.
Q: Does this card offer any benefits for grocery shopping?
Yes, you can enjoy 20% off up to ₹500 per month on your BigBasket orders (minimum purchase ₹2000). This exclusive discount is available once a month.