Best Credit Cards For Grocery Shopping

Groceries are an important monthly household expense, and you must be able to save on your grocery expenses. Top credit card issuers in India like HDFC Bank, ICICI Bank, and SBI Card give credit cards that offer value back on groceries in the form of rewards, cashback, or discounts with select platforms.

Here is a list of credit cards that help you save maximum on your grocery bills. 
 

Key Features of The Cards That Make Them Suitable For Grocery Shopping 

Citi Cash Back Credit Card

• This card provides great cashback benefits to its cardholders
• Upto 0.5% cashback on using the card for any expenditure
• The cashback rises to 5% when used for movie tickets or paying utility bills 
• Up to 20% discount on dining out and up to 10% discount on booking flights through MakeMyTrip.

Amazon Pay ICICI Bank Credit Card 

• It is one of the best grocery credit cards since Amazon deals with wide-ranging  items. 
• Lifetime Free Credit Cards
• Amazon Prime users can earn 5% cashback 
• The cashback will be within 3% if you don’t have a Prime membership
• The default cashback rate on Amazon Cards is as low as 1%
• It is ideal to buy this card if you use Amazon for most of your grocery needs

 Axis Bank Ace Credit Card

• One-time joining fee of Rs. 499
• Annual fee of Rs. 499
• 2% of 4% cash back on all purchases
• Cashback makes it a great choice for grocery shopping 
• 5% cashback on bill payments and recharging via Google Pay 

Axis Bank Select Credit Card

• It offers multidimensional benefits on your expenses
• You can not only save on grocery purchases but also on other verticals such as movie, travel, and lifestyle
• The rewards rate offered on this credit card is in the range of 1% to 2%
• You can earn 10 eDGE reward points per Rs. 200 spent (1% value) and 20 points on spends of Rs. 200 on the retail category (2% value)
• Annual fee of Rs. 3,000 
• It provides premium benefits like memberships, discounts, lounge access, rewards, and more
• You can apply for this card if you want to avail of premium benefits and are fine with paying a high annual fee

Yes Prosperity Cashback Credit Card

• Offers 5% cashback on grocery shopping 
• 5% cashback on utility bill payments, including rent payments, mobile recharge, telephone bill payments, and gas and electricity bill payments. 
• Rewards you for grocery purchases every month and heavy utility bill payments every month.

Nature’s Basket SBI Credit Card

• It offers great benefits for grocery shopping. 
• It also offers all-around benefits across other categories, such as dining, travel, and entertainment 
• You can choose this credit card if you are a Nature’s Basket loyalist
• You can afford to pay an annual fee of Rs. 1,499
• If you want to get better rewards and premium benefits on your grocery shopping, then you can also choose the other variant of this card - Nature’s Basket SBI Card Elite.  
• The premium variant comes with a big annual fee of Rs. 4,999.

Standard Chartered Manhattan Platinum Credit Card

• Standard Chartered Manhattan Platinum Credit Card is best suited for those who make big-ticket purchases at supermarkets
• There is no maximum restriction on the amount of cashback
• You can also obtain reward points on other transactions
• Wide range of offers on movies, dining, and travel 
• Annual fee of Rs. 999
• If you are looking for cashback across all categories, this card may not be an ideal pick.

Flipkart Axis Bank Credit Card

• You should consider getting this card if you buy groceries from Flipkart Supermart.
• It is amongst the best cashback credit cards in India 
• Offers up to 5% cashback on Myntra as well as Flipkart
• Offers 4% on other partner websites and 1.5% flat cashback on all other spends. 
• This falls second in line with respect to flat cashback rate in the market after Axis Bank ACE Credit Card that offers a cashback of 2%. 
• The flat cashback rate on Flipkart is ample as compared to other cards in the market. 
• Cashback earned will be credited directly to your credit card account thus providing hassle-free reward/ cashback conversion.

How To Choose The Best Grocery Credit Card?

• Check Discount/Cashback: Certain credit cards offer more cashback than others. Co-branded credit cards like Flipkart Axis Bank Credit Card or Amazon Pay ICICI Credit Card offer more cashback on the collaborated brands, as compared to other credit cards that offer universal cashback.
• Periodical Offers: Some credit cards give offers during fixed periods. Therefore, it is crucial to get a credit card that gives offers throughout. It should not be limited to a certain period, since you should be able to avail them whenever you want. 
• Capped Benefits: Many credit card issuers may have offers that have a cap on the maximum discount/cashback. You should read the terms and conditions carefully and choose a card accordingly. 

Conclusion 

The cards listed above are some of the best grocery credit cards. Before you choose the best grocery credit card, compare between different credit cards, understand their features, and read the terms and conditions for each credit card. 

 

FAQS Best Credit Cards For Grocery Shopping in 2023

1:Is it best to use credit cards for groceries?

Using credit cards for groceries will help you avoid immediate cash requirements. But, gathering debt can raise your grocery bill. Credit cards usually havedouble digit interest rates. If you accumulate them for a very long time, youwill be paying more. 

2:How to use credit cards in groceries?

Credit cards are easy to use. If you go into a store, you may be prompted to insert your card into a chip reader or swipe it at the checkout. You can do contactless payments in stores by adding your card to digital wallet apps.