Best Credit Cards for Grocery Shopping – Comprehensive Review

Selecting the ideal credit card for grocery shopping depends on your shopping preferences, including where you shop and the rewards structure you value. In this comprehensive review, we’ve compiled the best credit cards for groceries, categorized by features, fees, and benefits, to help you make an informed decision.

1. Amazon Pay ICICI Bank Credit Card

ICICI Bank Credit Card Apply Link - Click Here

Joining Fee: Nil | Annual Fee: Nil

Key Features & Benefits:

• 5% cashback on Amazon Fresh purchases for Prime members.

• 3% cashback on Amazon Fresh purchases for non-Prime members.

• 2% cashback on spends at Amazon Pay partner merchants.

• 1% cashback on all other transactions.

Overview:
This card is ideal for Amazon loyalists, particularly for groceries from Amazon Pantry, where you can earn a maximum of 5% cashback for Prime members. The lifetime free nature of the card makes it a solid option without any commitment.

2. American Express SmartEarn™ Credit Card
Amex SmartEarn Credit Card Apply Link - Click Here

Joining Fee: Rs. 495 | Annual Fee: Rs. 495

The American Express SmartEarn™ Credit Card offers high rewards on grocery purchases made via Blinkit, Flipkart, Amazon, and other popular lifestyle brands, making it versatile for grocery shoppers across multiple platforms.

Key Features & Benefits:

• 10X Membership Rewards® Points on Zomato (Capped at 500 Membership points per month).

• Also, earn 10X points on Flipkart, Myntra, BlinkIt, Uber, Nykaa, Ajio, PVR & BookMyShow (Capped at 500 Membership points per month).

• 5X Membership Reward on Amazon/Amazon Fresh (Capped at 250 Membership points per month).

• 1 Membership Reward® Point for every Rs. 50 spent on other categories Except – Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale.

• 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.

Additional Insight:
You can earn up to 1,250 Membership Rewards points on the SmartEarn Credit Card every month by spending only INR 7,500 (for example – 2,500 on Zomato, 2,500 on Blinkit/Flipkart, and 2,500 on Amazon). For reference, 4 Amex Reward Points = 1 Rs against the credit card, meaning 1,250 points equal approximately 312.5 Rs cashback every month, and if converted to other rewards, the value can be even greater.

3. Flipkart Axis Bank Credit Card

Axis Credit Card Apply Link - Click Here

Joining Fee: Rs. 500 | Annual Fee: Rs. 500

For those who prefer shopping on Flipkart for groceries, this credit card provides great cashback opportunities.

Key Features & Benefits:

• 5% cashback on Flipkart for grocery and other shopping.

• 4% cashback on preferred merchants like Swiggy, PVR, and Uber.

• 1% cashback on all other spends.

Overview:
This card offers solid cashback on Flipkart grocery purchases along with additional benefits for other lifestyle categories, making it ideal for users who shop on Flipkart for a wide range of products.

4. Axis Bank Rewards Credit Card

Axis Credit Card Apply Link - Click Here

Joining Fee: Rs. 1,000 | Annual Fee: Rs. 1,000

Designed for frequent shoppers at departmental stores, this card is perfect for those who want to maximize rewards on every spend, including groceries.

Key Features & Benefits:

• 10X EDGE reward points on every Rs. 125 spent at departmental stores (Offline/Online) for grocery and on apparel MCC categories. (Cap of 1,000 Points for accelerated reward)

• 2 EDGE reward points on every Rs. 125 spent on other categories (No Cap On Base Reward).

• One reward point on an Axis Bank Rewards Credit Card is worth Rs. 0.20.

Overview:
If you often shop in departmental stores, then this card provides a solid return on your grocery and departmental store shopping.

5. Swiggy HDFC Bank Credit Card

HDFC Credit Cards Apply Link - Click Here

Joining Fee: Rs. 500 | Annual Fee: Rs. 500

With some of the highest cashback rates on groceries, this card is perfect for those who frequently use Swiggy for grocery and food delivery.

Key Features & Benefits:

• 10% cashback (up to Rs. 1,500 per month) on Swiggy, Instamart, Dineout, and Genie.

• 5% cashback (up to Rs. 1,500 per month) on other online spends such as Amazon, Flipkart, Myntra, etc.

• 1% cashback on all other spends.

Excluded Spending Categories:

• Fuel, rent, EMIs, jewellery, wallet, government-related transactions, Swiggy Money wallet, Swiggy Minis, and Swiggy Liquor.

6. Axis Bank SELECT Credit Card

Axis Credit Card Apply Link - Click Here

Joining Fee: Rs. 3,000 | Annual Fee: Rs. 3,000

For those who prefer premium credit cards, the Axis Bank SELECT Credit Card offers rewards across various categories, including groceries, dining, and travel.

Key Features & Benefits:

• 10 EDGE reward points for every Rs. 200 spent on groceries and other categories
  (10 points every Rs. 200 = 2.5 Rs cashback = 1.25% Return).

• 2X EDGE reward points on retail shopping spends
  (20 points every Rs. 200 = 5 Rs cashback = 2.5% Return).

• Earn 2X EDGE REWARD Points up to cumulative transactions of Rs. 20,000 per month (2,000 Accelerated Reward Points per billing cycle). For transactions above Rs. 20,000 per month, earn base 10 EDGE REWARD Points.

• Up to Rs. 500 off on BigBasket purchases, once per month (20% Off on a minimum Rs. 3,000 transaction value).

• Up to Rs. 200 off on Swiggy twice a month.

• 1 EDGE Reward Point = Re. 0.20.

Additional Information:

• Retail Shopping MCC's Covered:
  5311 - Department Stores, 5411 - Grocery Stores, 5611 - Clothing and Accessory Stores, 5621 - Women's Wear Stores, 5641 - Children's Wear Stores, 5691 - Family Clothing Stores, and 5699 - Miscellaneous Apparel and Accessory Stores.

• Note: Rent, Insurance, Fuel, Educational Services, Utilities, Government MCC, and Gold/Jewellery transactions do not earn any reward points.

7. SBI Card PRIME

SBI Prime Credit Card Apply Link - Click Here

Joining Fee: Rs. 2,999 | Annual Fee: Rs. 2,999

Ideal for those who want to earn rewards on grocery and departmental store purchases, along with several lifestyle benefits.

Key Features & Benefits:

• 10 reward points per Rs. 100 spent on groceries and departmental stores
  (Equivalent to Rs. 2.5 cashback on every Rs. 100 spent).

• 20 reward points per Rs. 100 spent on birthdays
  (Capped at 2,000 points per calendar year, equivalent to Rs. 5 cashback on every Rs. 100 spent).

• 2 reward points for every Rs. 100 spent on all other retail purchases (Rs. 0.50 on every Rs. 100 spent), except for fuel, rent payments, government-related transactions, and digital gaming platforms/merchants.

• 4 reward points = Rs. 1 or 1 Reward = Rs. 0.25.

• Annual fee waiver on spending Rs. 3 lakh annually.

Overview:
If you’re looking for high reward rates on grocery purchases and other categories, along with travel perks, this card could be a great choice.

8. Airtel Axis Bank Credit Card

Axis Credit Card Apply Link - Click Here

Joining Fee: Rs. 500 + GST | Renewal Fee: Rs. 500 + GST

Welcome Benefits:

• Amazon Voucher worth Rs. 500 on card activation.

Benefits:

1. 1.25% cashback on Airtel mobile, DTH, WiFi, and broadband recharges via the Airtel Thanks app (capped at Rs. 250 per month).

2. 10% cashback on utility bill payments via the Airtel Thanks app (capped at Rs. 250 per month).

3. 10% cashback on partner brands such as Swiggy (on food and Dineout only), BigBasket, and Zomato (capped at Rs. 500 per month).

4. 1% cashback on all other retail spends.

Exclusions:

• Utility bills paid via any other platform except the Airtel Thanks app.

• Spends made on fuel, EMI transactions, purchases converted to EMI, outstanding balance, wallet loading, jewellery, rent, government services, insurance, education, cash advances, and card-related fee & charges.

9. Tata Neu Plus HDFC Bank Credit Card

HDFC Credit Cards Apply Link - Click Here

Joining Fee: Rs. 499 + Tax / Lifetime Free (Festive Offer) | Renewal Fee: Rs. 499 + Tax / Lifetime Free (Festive Offer)

Welcome Benefits:

• 499 NeuCoins on activation (if the joining fee is paid).

Rewards Rate:

• 7% NeuCoins on the Tata Neu app/website (includes 5% from activating NeuPass).

• 2% NeuCoins on non-EMI spends at Tata-partnered brands directly.

• 1% NeuCoins on non-Tata brands and merchant EMI spends.

• Maximum 2,000 NeuCoins per month for grocery transactions on BigBasket (7% Cashback).

• Maximum you can earn 750 NeuCoins in one transaction on Grocery/BigBasket.

Additional Details:

• No NeuCoins on wallet loads, fuel transactions, rent payments, or Smart EMI.

10. Tata Neu Infinity HDFC Bank Credit Card

HDFC Credit Cards Apply Link - Click Here

Joining Fee: Rs. 1,499 + Tax / Lifetime Free (Festive Offer) | Renewal Fee: Rs. 1,499 + Tax / Lifetime Free (Festive Offer)

Welcome Benefits:

• 1,499 NeuCoins on Tata Neu App activation (if the joining fee is paid).

Rewards Rate:

• 5% NeuCoins on all Tata Neu app/website purchases.

• Additional 5% NeuCoins by activating NeuPass on the mobile application.

• 5% NeuCoins on Tata partner brands such as AirAsia India, Tata 1mg, Tata CLiQ, Croma, cult.fit, BigBasket, Westside, IHCL, and others.

• 1.5% NeuCoins on UPI spends (maximum 500 NeuCoins per calendar month).

• Maximum 2,000 NeuCoins per month for grocery transactions on BigBasket (10% Cashback).

• Maximum you can earn 750 NeuCoins in one transaction.

Additional Details:

• No NeuCoins on wallet reloads, fuel purchases, rent payments, cash withdrawals, or EMI transactions.

11. SBI Cashback Credit Card

SBI Cashback Card Credit Cards Apply Link - Click Here

Joining Fee: Rs. 999 + GST | Renewal Fee: Rs. 999 + GST
Best Suited For: Online Shopping
Reward Type: Cashback

Key Benefits:

• 5% Cashback on online shopping and payments, capped at Rs. 5,000 per billing cycle.

• No minimum transaction amount required to earn cashback.

• Applicable across any online platform, including grocery websites and apps.

Spend-Based Waiver:

• The annual fee is waived if annual spends exceed Rs. 2,00,000 in the previous year.

Conclusion

Choosing the right credit card for grocery shopping means aligning your spending habits with the rewards and cashback structures that suit your lifestyle. Whether you're an Amazon loyalist, a Flipkart enthusiast, or a heavy Swiggy Instamart user, there's a card here to maximize your savings. Evaluate your shopping preferences and transaction patterns to pick the card that offers the best benefits for your grocery spending. Happy saving!