Grocery shopping is something we all have to do regularly. We make large or small purchases either at department stores or through online shopping apps like Big Basket, Instamart, Amazon, and Flipkart. By using your credit card for these grocery purchases, you can earn rewards such as cashback or points. These rewards can be redeemed later for vouchers or products or applied directly to your statement. Those of us who are familiar with credit cards should definitely have a specific card for grocery shopping to maximize our spending. Apart from groceries, these cards also offer a good reward rate and offers on shopping, dining, and food expenses.
Keep on reading to learn more about the best credit cards for grocery shopping.
By using the right credit card for your unavoidable expenditure on groceries, you can save big every time. Following is a list of some of the best grocery credit cards that provide you with benefits in the form of reward points or cashback.
10% Cashback On Swiggy App Spends (Food Delivery, Instamart, Dineout) – Up To ₹1,500/Month; 5% Cashback On Select Online Categories – Up To ₹1,500/Month; 1% Cashback On Other Spends – Up To ₹1,000/Month (Exclusions Apply)
3 Month Swiggy BLCK Membership
5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, and cult.fit), and 1% Cashback on All Other Spends
₹250 Flipkart Voucher + ₹100 Swiggy Discount
5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs; 1% Cashback on Other Eligible Spends
Free 12-Month Swiggy One Membership
2% & 1% cashback in the form of NeuCoins while shopping on Tata and non-Tata Brands respectively. Additional 5% back as NeuCoins on the Tata Neu app or website.
499 NeuCoins
10X EDGE Points/₹125 Spent at Departmental and Apparel Stores. 2 EDGE Points/₹125 on All Eligible Spends.
5,000 EDGE Reward Points (Worth ₹1,000) on Spending ₹1,000 or More Within the First Month of Card Issuance
5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Cashback and Discounts Up to ₹2,500 and One Month EazyDiner Membership
Up to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends
1,499 NeuCoins on Tata Neu App
Whenever you opt for a category-specific credit card, there are certain features that credit cardholders should look for before they choose a credit card. The following are the points that you should consider before opting for a shopping credit card –
Whenever you look for a credit card for grocery expenses, you should ensure that the credit card is packed with benefits that you will get whenever you shop using these cards. Benefits such as discounts on shopping bills, higher reward points on daily spending, generous cashback deals, etc.
Another point to consider before choosing a shopping credit card is to first carefully examine where you spend the most of your credit limit. If you are the one person who spends generously on online shopping, then you should opt for a credit card that will provide you with benefits while you spend money on online purchases. But if you spend more on offline purchases, then look for a card that provides you with maximum benefit on offline transactions.
Like any other credit card, a grocery credit card also comes with a certain amount of fees linked to it. Credit cardholders have to pay a membership fee and an annual fee on the credit card to enjoy the benefits of the credit card. They also charge an interest portion from credit cardholders if they fail to pay the bill amount by the due date. In addition to this, you should also read the terms and conditions of the particular credit card so that you have a thorough knowledge of all the fees associated with the credit card. Hence, an applicant should consider all such charges before applying for a card because our main motive is to gain maximum from credit card transactions, and we should not end up paying more with respect to fees than we actually earn from them.
People spend more using their credit cards than they would have actually spent if they were transacting in cash. It is never a good idea to live beyond your means and spend on things that you actually do not require. We should not get attracted to things and benefits that are just freebies; we have to put in a huge amount of money to enjoy those freebies. Therefore, an applicant should deeply analyze their income and the budget that they have set apart to get a credit card. Once you have a defined budget, scroll through the grocery credit cards of different banks and then choose one that fits your budget perfectly.
| Credit Cards | Annual Fees | Rewards on Grocery/Departmental Stores |
| Swiggy BLCK HDFC Bank Credit Card | ₹1,000 + GST | 10% Cashback On Swiggy App Spends (Food Delivery, Instamart, Dineout) – Up To ₹1,500/Month; 5% Cashback On Select Online Categories – Up To ₹1,500/Month |
| Flipkart Axis Bank Credit Card | ₹500 + GST | 5% Cashback on Flipkart |
| Swiggy Ornge HDFC Bank Credit Card | ₹500 + GST | 5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs |
| Tata Neu Plus HDFC Bank Credit Card | ₹499 + GST | Upto 7% Back as NeuCoins on Tata 1MG and BigBasket |
| Axis Bank Rewards Credit Card | ₹1,000 + GST | 10X EDGE Reward Points/₹125 on Departmental Store Spends |
| Amazon Pay ICICI Bank Credit Card | Lifetime Free | 5% Cashback on Amazon |
| Tata Neu Infinity HDFC Bank Credit Card | ₹1,499 + GST | 5% Back as NeuCoins on Tata 1MG and BigBasket |
The Swiggy BLCK HDFC Bank Credit Card is especially useful for groceries if you regularly order through Swiggy Instamart. It offers 10% cashback on grocery deliveries, which can lead to solid monthly savings on everyday essentials like fruits, vegetables, and household items. Since the cashback is credited directly to your card statement, it’s simple and hassle-free. However, the benefit is capped at ₹1,500 per billing cycle and applies only on orders above ₹249, so it works best for users who place frequent or slightly larger grocery orders rather than small, one-off purchases.
With the Flipkart Axis Bank Credit Card, you get 5% cashback on all your purchases made on Flipkart, including groceries. Flipkart Groceries are already considered low-priced, and adding credit card savings on top of it would make a great savings combo.
The Swiggy ORNGE HDFC Bank Credit Card is a good option for grocery shopping if you use Swiggy Instamart regularly but want a lower annual fee card. It offers 5% cashback on grocery deliveries, helping you save on everyday essentials without much effort, as the cashback is directly credited to your card statement. While the rewards are lower than the premium variant, the ₹500 fee makes it a budget-friendly choice for users who want steady savings on groceries without paying a higher annual fee.
Avid shoppers and foodies can save huge on their purchases made with the Axis Bank Rewards Credit Cards. This card can be availed at a joining and annual fee of ₹1,000 plus applicable taxes. Cardholders shall get 10X EDGE Reward Points on all spends made at departmental stores, enabling you to save on your grocery spends. These accelerated Reward Points are capped at 1,008 Reward Points per month, so you can only earn these till you reach the spends of ₹7,000.
Amazon Pay ICICI Bank Credit Card is considered to be one of the most popular cards in India. With this card, you can get 5% cashback in your Amazon Pay account on all your purchases made on Amazon. So, if you plan to purchase groceries and things for daily use from Amazon, you will have a great, rewarding experience with this card.
Having a credit card for grocery shopping allows you to save on your regular and essential spending. Our list of the best credit cards for grocery shopping not only offers you accelerated rewards for groceries but also lets you take part in exciting offers and deals offered by various platforms.
Different banks offer credit cards that highly reward grocery and departmental spends. You can refer to our complete list above to check the most suitable grocery credit card for you.
Yes, the Amazon Pay ICICI Credit Card can be availed without any joining or annual charges. It is one of the most popular lifetime-free credit cards in India.