Grocery shopping is a major expense for most households. While it's an essential cost, finding ways to save on it is important. Key credit card issuers in India, like HDFC Bank, SBI Card, and ICICI Bank, provide credit cards that offer rewards for your grocery spending. These rewards can be in the form of extra points, cashback, or direct discounts with specific brands or platforms. Explore our list of the best grocery credit cards in India to make the most of your savings on everyday grocery bills.
GCheck out these Top Grocery credit cards to save big on your grocery bills:
| Credit Card | Annual Fee | Key Features |
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| Amazon Pay ICICI Bank Credit Card | Nil | 5% cashback for Prime users and 3% cashback for others on transactions via Amazon |
| American Express SmartEarn Credit Card | Rs. 495 | 10X membership rewards on Uber, Amazon and Flipkart; 5X rewards on transactions at Paytm Wallet, Swiggy, Grofers, Big Bazaar, PVR, Myntra, etc. |
| Flipkart Axis Bank Credit Card | Rs. 500 | 5% cashback on Flipkart; 4% cashback on preferred merchants (Cure.fit, Swiggy, PVR & Uber) |
| Axis Bank Rewards Credit Card | Rs. 1,000 | 10X reward points on every Rs. 125 spent on departmental stores & apparel |
| Standard Chartered Manhattan Platinum Credit Card* | Rs. 999 | 5% cashback on your expenses at supermarkets; 3X reward points on your expenses at other categories |
| YES Prosperity Cashback Credit Card | Rs. 999 | 5% cashback on movie ticket bookings and grocery shopping; 0.50% cashback on all other retail spends |
| Nature’s Basket SBI Credit Card | Rs. 1,499 | 10 reward points on spends done via Nature’s Basket; 5 reward points on travel, dining and movies and 1 reward point on other categories |
| Axis Bank Select Credit Card | Rs. 3,000 | 20% off (max. Rs. 500) on BigBasket (once per month); 10 Axis EDGE reward points on every Rs. 200 spent |
*Standard Chartered Bank is no longer accepting new applications for this credit card.
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Why is this suitable for Grocery Shopping?
The Amazon Pay ICICI Credit Card is a great choice for grocery shopping in India. It's linked to Amazon,
a widely popular platform with a vast range of products, including groceries on Amazon Pantry. If you're a Prime
member, you get a higher cashback of 5%, while non-Prime members receive 3%. The standard cashback rate
is 1%, which is lower than the Flipkart Axis Bank Credit Card. It's a good option if you frequently shop
for groceries on Amazon, and the best part is, it's a lifetime free card, so having it won't cost you anything.
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Why is this suitable for Grocery Shopping?
If you want to earn rewards, The American Express SmartEarn Credit Card is a great choice. It gives you extra
points when you shop at Flipkart, Amazon, Grofers (now Blinkit), and BigBazaar. This means you're not limited
to just one platform. The regular earning rate is already good, and by using the card wisely, you can collect a
lot of rewards. Later, you can use these rewards to save money on your grocery purchases.
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Why is this suitable for Grocery Shopping?
If you buy groceries from Flipkart Supermart, The Flipkart Axis Bank Credit Card is a top choice. It's
among the best cashback credit cards in India, providing up to 5% cashback on Flipkart and 4% on other
partner websites. Additionally, you get a consistent 1.5% flat cashback on all other expenses. This rate is
the second-highest in the market, just after the Axis Bank ACE Credit Card, which offers 2% cashback.
The flat cashback rate on Flipkart stands out generously compared to other cards in the market.
Unlike the Amazon Pay ICICI Card, where cashback is provided in the form of Amazon Pay balance, the Flipkart
card keeps it straightforward with a direct statement credit model. Any cashback you earn will be directly
credited to your credit card account, eliminating the hassle of reward/cashback conversion.
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Why is this suitable for Grocery Shopping?
The Axis Bank Rewards Credit Card gives you extra rewards, with 20 EDGE Reward points on apparel and
department store purchases, and regular points on other spending. Plus, you get a discount of up to 30%
on Swiggy food deliveries twice a month using the code ‘AXIS30’. If you often buy groceries from department
stores or order from Swiggy, this card is a good choice. The EDGE Reward points you earn are added directly to
your account and can be used for products, vouchers, or services in the Axis Bank rewards catalogue. Overall, it's
a good option if you want to save on grocery shopping, and the Rs. 1,000 annual fee is easily recoverable through
the reward points you earn.
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Why is this suitable for Grocery Shopping?
The Standard Chartered Manhattan Platinum Credit Card is great for people who make significant purchases
at supermarkets, unlike the Amazon ICICI and Paytm SBI Select credit cards that focus on rewarding online grocery
shopping. There's no maximum limit on the cashback, and you also earn reward points on other transactions.
With a variety of offers on movies, dining, and travel, the annual fee of Rs. 999 is worthwhile if you
can take advantage of these perks. Even though the card gives cashback only on supermarket expenses, it still
rewards you for other spending, which is a positive aspect. However, if you want cashback across all
spending categories, this card might not be the ideal choice.
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Why is this suitable for Grocery Shopping?
The YES Bank Prosperity Cashback Credit Card provides 5% cashback not only on grocery shopping but also
on utility bill payments, which include rent, mobile recharge, telephone bills, and gas/electricity payments through
YES Bank’s PayNow service. In contrast to Amazon and Flipkart credit cards that are limited to their respective
websites, this card allows you to earn 5% cashback on all your grocery purchases, regardless of where you
make them.
If you're looking for a card with similar perks, the Axis ACE card gives a higher cashback rate of 2%,
which is more than the cashback from YES Prosperity. However, if you can't get the Axis Bank ACE Credit Card
and want a card that gives rewards for significant monthly utility bill payments and grocery purchases,
YES Prosperity Cashback is a great choice.
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Why is this suitable for Grocery Shopping?
The Nature’s Basket SBI Credit Card, one of two co-branded cards by SBI Cards with Nature’s Basket, is
tailored for gourmet enthusiasts while offering perks across dining, travel, and entertainment.
If you're in search for a card with well-rounded benefits that also prioritizes grocery shopping,
this card is worth considering. It's a good choice for Nature’s Basket loyalists willing to pay an annual
fee of Rs. 1,499. If you're looking for even better rewards and premium benefits for your grocery
shopping, you can also explore the other version – Nature’s Basket SBI Card Elite, but it comes with
a higher annual fee of Rs. 4,999.
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Why is this suitable for Grocery Shopping?
The Axis Bank Select Credit Card is a high-end card that offers benefits across various expenses. It's not
just for saving on groceries, but also for movies, lifestyle, and travel. The rewards rate is good,
ranging from 1% to 2%. You earn 10 eDGE reward points for every Rs. 200 spent (1% value) and 20 points per
Rs. 200 spent on retail categories (2% value). Keep in mind, though, that the annual fee is Rs. 3,000, but
the card justifies it with premium perks like memberships, discounts, rewards, lounge access, and more. If
you're looking for premium benefits and don't mind the higher annual fee, this card is worth considering.
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When looking for a credit card that gives good value back on your grocery purchases, keep the following points in mind:
Make sure the card is associated with grocery stores or services available in your area. For example, if you're considering a card linked to Amazon Pantry or Flipkart Supermart, ensure they deliver to your location.
2. Discounts/Cashback:Different cards offer varying levels of cashback. Cards like Amazon Pay ICICI or Flipkart Axis Bank cards provide more cashback for purchases on their respective platforms compared to cards with universal cashback.
3. Periodical Offers:Some cards have limited-time offers for grocery spending. Look for a card with ongoing benefits rather than those tied to specific dates, allowing you to enjoy perks whenever you shop.
4. Capped Benefits:Be aware of any limits on discounts or cashback. Some cards may have a maximum amount you can earn, so check the terms and conditions to understand these caps.
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Top Credit Cards in India