Best Grocery Credit Cards in India for December 2024
Here are some of the top grocery credit cards that will help you save considerably on your grocery expenses:
Amazon Pay ICICI Credit Card Joining fee: ₹0 Annual/Renewal Fee: ₹0 Up to 5% cashback on Amazon purchases 1% cashback across all offline spends Product Details American Express SmartEarn™ Credit Card Joining fee: ₹495 Annual/Renewal Fee: ₹495 10X* Membership Rewards® Points on Zomato, Flipkart, Myntra, etc. 5X* Membership Rewards® Points on spends at Amazon Product Details Flipkart Axis Bank Credit Card Joining fee: ₹500 Annual/Renewal Fee: ₹500 5% cashback on transactions at Flipkart and Cleartrip 4% cashback on partner merchants, like Swiggy, PVR, Uber, etc. Product Details Axis Bank Rewards Credit Card Joining fee: ₹1000 Annual/Renewal Fee: ₹1000 10X reward points on spends at departmental stores & apparel Product Details Swiggy HDFC Bank Credit Card Joining fee: ₹500 Annual/Renewal Fee: ₹500 10% cashback on Swiggy food orders, Instamart, Dineout & Genie 5% cashback on online spends Product Details Axis Bank SELECT Credit Card Joining fee: ₹3000 Annual/Renewal Fee: ₹3000 2X EDGE Reward Points acrosss all retail transactions 10,000 EDGE Reward Points worth Rs. 2,000 as welcome benefit Product Details SBI Card PRIME Joining fee: ₹2999 Annual/Renewal Fee: ₹2999 5X reward points on dining, groceries, departmental stores, and movies 8 international Priority Pass & 4 domestic airport lounge visits per year Product Details
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How to Choose Right Grocery Credit Card | Check Eligibility for Top Cards
1. Amazon Pay ICICI Bank Credit Card
Joining Fee: Nil | Annual Fee: Nil
If you are someone who prefers to order groceries online from Amazon, then this lifetime free ICICI bank credit card can be a great option for you to save on your household expenses. You can have accelerated savings on your online co-branded spends and earn cashback as Amazon Pay balance on every card spend.
Key Features and Benefits:
- 3 month Amazon Prime and 1 month EazyDiner Prime memberships with up to Rs. 1,750 back on various card spends as activation benefit
- 5% cashback on Amazon purchases for Prime members
- 3% cashback on Amazon purchases for Non-prime members
- 2% cashback on spends made on Amazon Pay partner merchants
- 1% cashback on all other transactions
| Amazon Pay ICICI Credit Card is definitely one of the best grocery credit cards in India. This is because Amazon itself is one of the most popular platforms and deals in wide-ranging items. You can find almost everything you need on Amazon Pantry. If you are a Prime user, you will earn 5% cashback. Though if you do not have Prime membership, the cashback will be limited to 3% which is still a good value-back. The default cashback rate on Amazon Card stands at 1% which is the same as that of Flipkart Axis Bank Credit Card. You should only go for this card if you use Amazon for most of your grocery needs but being lifetime free, having it in your wallet does no harm. |
Get the RIGHT CREDIT CARD for your requirements
2. American Express SmartEarn™ Credit Card
Joining Fee: Rs. 495 | Annual Fee: Rs. 495
This American Express® credit card lets the cardholders earn high rewards on their grocery spends made via Blinkit, Flipkart and Amazon. In addition, you also get accelerated rewards on other popular lifestyle brands spanning across spending categories like food delivery, shopping, entertainment and others.
Key Features and Benefits:
- 10X Membership Rewards® Points on Zomato spends, up to 500 points per month
- 10X Membership Rewards® Points on Blinkit, Flipkart, Myntra, Uber, Nykaa, Ajio, PVR & BookMyShow, up to 500 points per month
- 5X Membership Rewards® Points on Amazon & Paytm Wallet, up to 250 points per month on both the merchants combined
- 1 Membership Rewards® Point per Rs. 50 spent on other categories
- Rs. 500 cashback on spending Rs. 10,000 within the first 90 days
- Rs. 500 voucher each on reaching annual spends of Rs. 1.20 lakh, Rs. 1.80 lakh & Rs. 2.40 lakh respectively
- Annual fee waived off on spending Rs. 40,000 and above in the previous year
| If you wish to get benefits in the form of reward points, American Express SmartEarn™ Credit Card could be a good choice for you. The card offers accelerated earning on Blinkit, Flipkart, and Amazon which allows the users to not be restricted to any one platform to save on their grocery spends. The base rate itself is good and with judicious use of the card, you can easily accumulate significant rewards and redeem them later to save more on groceries. |
3. Flipkart Axis Bank Credit Card
Joining Fee: Rs. 500 | Annual Fee: Rs. 500
If Flipkart is your favoured platform for most of your shopping needs, including groceries, then this Axis bank credit card is the right choice for you. You can save on your spends in the form of cashback that is credited against statement credit, unlike Amazon Pay ICICI which offers similar co-branded benefits but accrues cashback as Amazon Pay balance.
Key Features and Benefits:
- Rs. 500 Flipkart voucher on making the 1st card transaction within 30 days from issuance
- 50% off, up to Rs. 100, on the 1st transaction for new Swiggy customers
- Unlimited 5% cashback on Flipkart and Cleartrip spends
- Unlimited 4% cashback on preferred merchants (Swiggy, cult.fit, PVR, Uber)*
- Unlimited 1% cashback on other spends merchants
- 4 complimentary domestic lounge visits every year (max. 1 per quarter) on spending Rs. 50,000 during the previous quarter
- Up to 20% off on dining at partner restaurants
*Subject to change from time to time
| Flipkart Axis bank credit card comes with a good cashback rate of 5% on your grocery spends made via Flipkart app and travel bookings made via Cleartrip. Moreover, you also get 4% cashback on Swiggy which further helps you save on your food-related spends. Apart from offering these grocery benefits, this card helps you save on movies, fitness, travel, cab fares and overall retail shopping related spends in the form of cashback. With a low annual fee, this card provides ample retail and lifestyle benefits to the users who can make the most of this card by spending on Flipkart and other preferred merchants. |
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4. Axis Bank Rewards Credit Card
Joining Fee: Rs. 1,000 | Annual Fee: Rs. 1,000
If you frequently spend on departmental stores and apparel, then Axis Rewards credit card can be a suitable choice for you. Designed to allow you to maximise your rewards earning on every spend, and as welcome and milestone benefits, this card also comes with discount offers on dining and food-delivery.
Key Features and Benefits:
- 10X EDGE reward points, up to 7,000 points per month, on every Rs. 125 spent at departmental stores and on apparel
- 2 EDGE reward points on every Rs. 125 spent
- 30% off, up to Rs. 150, per food delivery worth Rs. 200 or more via Swiggy, twice a month
- 2 complimentary domestic airport lounge access per quarter
- 5,000 EDGE reward points on spending at least Rs. 1,000 within 30 days after card issuance
- 1,500 EDGE reward points on spending Rs. 30,000 in a statement cycle
- 15% off, up to Rs. 500, on dining at partner restaurants
- Membership benefits worth Rs. 1,000 every year
- Annual fee waiver on spending Rs. 2 lakh in the previous year
| Axis Bank Rewards Credit Card offers accelerated reward benefits of 20 EDGE reward points on department store spends and up to 30% off on Swiggy twice a month. So, you can apply for this card if you frequently buy groceries from department stores or order food delivery from Swiggy. The EDGE reward points that you earn are directly added to your account and can be redeemed against the products, vouchers or services available in the Axis Bank rewards catalogue. Overall, this is a decent option if you are looking for a card that lets you save on your grocery purchases and are ready to pay an annual fee of Rs. 1,000 which you can recover through the rewards you earn and other card benefits. |
5. Swiggy HDFC Bank Credit Card
Joining Fee: Rs. 500 | Annual Fee: Rs. 500
With cashback benefits inclined towards Swiggy loyalists and frequent online shoppers, this HDFC bank credit card is suitable for those who purchase their groceries on Swiggy Instamart. Cardholders can earn cashback of up to Rs. 3,500 every month using this card.
Key Features and Benefits:
- Complimentary 3 months Swiggy One membership on card activation
- 10% cashback, up to Rs. 1,500 per month, on Swiggy food ordering, Instamart, Dineout and Genie
- 5% cashback, up to Rs. 1,500 per month, on online spends
- 1% cashback, up to Rs. 500 per month, on all other card spends
- Card annual fee is waived off on reaching Rs. 2 lakh annual spends
| Swiggy HDFC Bank Credit Card comes with great savings on your grocery and food delivery spends with 10% cashback on Swiggy and 5% back on other online platforms. With one of the highest cashback rates on groceries, this card gives quite decent returns on overall spends as well. However, you must note that cashback is only provided on transactions worth Rs. 100 or above and comes with monthly capping. This capping may appear as a limitation to some, but since its value is quite high, it won’t act as a drawback for an average spender. Moreover, this cashback is credited automatically against the outstanding balance which lets you avoid the hassle of redemption. |
6. Axis Bank SELECT Credit Card
Joining Fee: Rs. 3,000 | Annual Fee: Rs. 3,000
You can choose this credit card if you order groceries online via BigBasket and prefer earning reward points on your card spends. Axis Rewards credit card comes with discount offers on food-related spends, including dining, groceries and food delivery, and lets you earn up to 20 EDGE reward points for every Rs. 200 spent.
Key Features and Benefits:
- Up to Rs. 500 off on BigBasket, once per month
- Up to Rs. 200 off on Swiggy, twice a month
- 10 EDGE reward points for every Rs. 200 spent
- 2X EDGE reward points on retail shopping spends
- Minimum Rs. 800 off on dining via EazyDiner
- 2 complimentary domestic lounge visits per quarter on spending Rs. 50,000 in the previous 3 months
- Up to 12 complimentary international airport lounge access via Priority Pass
- Up to 12 complimentary golf rounds per year
- 5,000 EDGE reward points on reaching Rs. 3 lakh annual spends
| Axis Bank Select Credit Card is a premium credit card that offers diverse benefits on your expenses. You can save not only on your grocery purchases but also on other categories be it dining, lifestyle or travel. You can earn 10 EDGE reward points for every Rs. 200 spent (1% value back) and 20 points per Rs. 200 spent on the retail category (2% value back). However, the annual fee of Rs. 3,000 can take a toll on your pocket whose waiver condition of Rs. 8 lakh annual spends is also on the higher side.. But, this card justifies the fee by providing premium benefits like memberships, discounts, rewards, lounge access and more. Overall, you can apply for this card if you want to avail premium benefits and are ready to pay a high annual fee. Moreover, this card is lifetime free for Burgundy customers. |
You are FEW CLICKS AWAY from getting the RIGHT CARD
7. SBI Card PRIME
Joining Fee: Rs. 2,999 | Annual Fee: Rs. 2,999
You can choose to get this SBI credit card if you are looking for a good rewards rate on your grocery and departmental store spends. Apart from this, this card also lets you save on retail shopping, entertainment as well as travel-related spends in the form of reward points, e-vouchers and complimentary services.
Key Features and Benefits:
- 10 reward points per Rs. 100 spent on movies, dining, departmental stores and groceries
- 20 reward points per Rs. 100 spent on birthday
- 2 reward points per Rs. 100 spent on other retail purchases, 1 Reward Point = Rs. 0.25
- E-gift vouchers worth Rs. 3,000 from Bata/Hush Puppies, Yatra.com, Pantaloons, Shoppers Stop or Aditya Birla Fashion on joining
- 8 complimentary visits to domestic & 4 to international Priority Pass airport lounges per year
- Rs. 1,000 Pizza-hut e-voucher on spending Rs. 50,000 in a calendar quarter
- Rs. 7,000 Yatra/ Pantaloons e-gift voucher on Rs. 5 lakh annual spends
- Complimentary Club Vistara Silver membership
- Annual fee waived off on reaching Rs. 3 lakh annual spends
| SBI Card PRIME offers a high rewards rate of 2.5% on grocery spends. Moreover, these rewards come without any capping making it easier to maximise on this benefit. In addition to the rewards program, it also comes with quite decent complimentary airport lounge benefits and e-voucher offers on reaching spending milestones. If you are looking for a rewards credit card with accelerated benefits on grocery, departmental, dining and movie spends or a card with overall lifestyle-related benefits then this credit card is quite suitable for you. Even the annual fee is compensated by the discount vouchers offered as welcome bonus, making it a truly profitable card option for the cardholders. |