Mrs. Sharma enjoys cashback on all her retail purchases. You could too! Get A Card
Grocery Credit Card
Credit cards are one of those products that have revolutionized the entire workings of the financial world. These plastic cards have completely changed the way individuals spend their money on goods and services. Keeping in mind the myriad requirements of individuals, credit card providers and banks have come up with a number of features and benefits for the credit bards being provided by them. Certain cards are also made specifically for a niche audience such as travel rewards for those who travel frequently, and so on.
Groceries are not just necessities but can also be a luxury depending on what individuals wish to purchase. Every single person will have to shop for this but some more than others depending on their needs and requirements.
Best Credit Cards for Grocery Shopping in India
Given below are the top credit cards in India tailor-made for those who love their grocery shopping and indulge in it frequently. These cards are all by top credit card providers in India.
Here is the List of the best Credit Cards for Grocery Shopping in India
SimplySAVE Advantage SBI credit card by the State Bank of India
ICICI Bank Coral Contactless credit card by ICICI Bank
The annual fee for the SimplySAVe Advantage SBI credit card is Rs.499
The renewal fee per annum is Rs.499
Features and Benefits:
Customers can enjoy 10X Reward Points for every Rs.100 that they spend on grocery purchases and in departmental stores. In addition to this, Reward Points can also be availed on movie and dining spends.
On other purchases, customers can earn 1 Reward Point for every Rs.100 spent. Re.1 is equal to four Reward Points.
Customers need to pay the 2.5% fuel surcharge at petrol pumps if they spend an amount between Rs.500 to Rs.3000 at any petrol pump in India.
When customers spend over Rs.90,000 on their SimplySAVe Advantage credit card the previous year, they can procure an annual membership fee reversal from the second year of their subscription.
Customers can avail a Rs.100 cashback on their first ATM cash withdrawal if it is done within the first month of receiving their SimplySAVe Advantage SBI credit card.
SimplySAVe Advantage credit cardholders can avail supplementary credit cards for their family members over the age of 18.
Cardholders can pay their utility bills through their SimplySAVE Advantage credit card using the Easy Bill Pay Facility.
Online booking of railway tickets can also be done through this credit card.
Customers can convert all their high ticket transactions into installments through Flexipay.
The SimplySAVE Advantage SBI credit card is a product that can be used worldwide and has a lot of advantages. This card can be used for a lot of different purchases and is a must have for all those who spend most of their amount on supermarket and grocery spends.
Cardholders can avail unlimited cash rewards, discounts on departmental and supermarket spends and free movie tickets through their ICICI Bank Coral Contactless Credit Card. This card also comes with a number of other advantageous features.
A joining fee of Rs.1000 plus service taxes is applicable
From the second year an annual fee of Rs.500 plus service tax will be applicable from the second year
This annual fee will be waived if customers spend over Rs.1,25,000 on their card in the previous year
Features and Benefits:
Customers through this card can procure 2X cash rewards on groceries, supermarket and dining spends.
Thanks to the built-in contactless MasterCard technology, secure and quick payments can be made at retail outlets.
Every quarter, customers can procure two domestic airport lounge visits on a complimentary basis.
Every month, cardholders can avail two complementary movies though the BookMyShow website, under the Buy One Get One offer.
Additionally, individuals can also procure a minimum of 15% savings on dining bills at more than 2100 restaurants across India via the Culinary Treats Program.
The ICICI Bank Coral Contactless Credit Card is a must have for many reasons. This card is accepted worldwide and also comes with advanced technology ensuring safe and secure payments at all times. Due to its Rewards Points program and discounts, this card is also great for those who frequently spend on groceries and at supermarkets.
The Solitaire Credit Card by HDFC Bank is a highly rewarding credit card due to the sheer number of benefits and advantages provided by this credit card. From grocery spends to travel and dining spends, this card encompasses every aspect of credit card features.
The annual fee charged for the HDFC Bank Solitaire Credit Card is Rs.500.
The renewal fee for this credit card is also Rs.500. Interest free period of up to 50 days is applicable for this card. In case individuals spend Rs.10,000 through their card within the first 90 days from the date of card set up, their 1st year membership fee will be waived. In case cardholders charge Rs.50,000 to their card within a year, they can avail a waiver to their next year’s annual membership fee.
Benefits and Features
Customers can avail 50% more Reward Points when they spend on grocery and dining purchases.
Customers can earn as many as 2,880 Reward Points in a year or even more on grocery and dining spends.
Cardholders can avail a gift voucher of Rs.1,000 from Shopper’s Shop if they spend over Rs.75,000 every 6 months.
On every Rs.150 charged to their Solitaire Credit Card, individuals can avail 3 Reward Points.
Fuel Surcharge Waiver is capped at Rs.250 for every billing cycle. Customers can save close to Rs.1,500 a year on all their fuel transactions.
Customers can also redeem their Reward Points as cashback against the outstanding amount on their credit card. It is to be noted that Rs.30 equals a 100 Reward Points.
In case individuals misplace or lose their credit cards at any point of time, they will have to report this to the bank at the earliest and can avail Zero Lost Card liability.
Cashback of over Rs.4,000 can be availed on Reward Points that have been collected when individuals spend over Rs.5 lakh on their credit card.
The Solitaire Credit Card by HDFC Bank is a unique credit card that comes with numerous benefits and features. This is especially so for those who spend most of their credit card balance on spends related to grocery and supermarkets. Solitaire credit cardholders can also redeem their Reward Points for a whole host of exciting offers. This credit card is meant for those who take their shopping seriously. Additionally, this card is also accepted all over the world. This card is equipped with a ‘chip’ technology making it easy for customers to avail secure transactions.
Credit cards have opened up several avenues in the financial world. These cards have changed the way we spend money on goods and services. One of the recurring expenses every month in every household is the grocery expenditure. Credit card issuers offer several cards which provide savings on purchases including grocery expenses. By choosing the right grocery credit card, you can save a lot on your bill. Savings in the form of reward points and cashback can help you cut down on the expenses incurred on grocery purchases.
While some credit card issuers offer a waiver of annual fees and offer cashback, others do charge an annual fee but offer high reward points. Below are some of the best grocery credit cards available in India:
• SimplySAVE Advantage SBI Credit Card
• ICICI Bank Coral Contactless Credit Card
• HDFC Solitaire Credit Card
Advantages Of Credit Cards For Grocery Shopping In India:
• Reward points for grocery purchases
• Fuel surcharge waiver
• Annual fee waiver on a minimum yearly spend
• Access to airport lounges
• Reward points on dining and movie ticket spends
If you’re spending a lot on grocery purchases every month, why not earn some cashback in the form of reward points and discounts on other transactions? These cards offer a bundle of reward points, annual fee waiver and much more.
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The rate of interest is low for EMI conversion in Indusind credit card compared with other bank. It is a life time free credit card. Bank as offered me with the good credit limit. I get cash back and discounts on grocery and movie tickets. Customer support is very good.
I got the approval very fast and process of getting credit card is very easy. They are offering lots of offers to the customer. My credit limit on Indusind bank credit card is Rs. 75000. There is a fee waiver on annual fee if i reached certain limit. In fuel, my sur charges get waived off and in grocery i get 5% discounts.
RATNAKAR bank has offered good credit limit of 95K. Though its my first card I have not faced any issue till now. I have been using this card for more than one year. Initial it was 60K after that they would have checked my good transactions, so within few months limit was enhanced up to 30K. It is annual fee chargeable of 999 rupees but there is waiver off option avail, if I spend 75K within a year. EMI conversion is avail if I spend above 3K. I use for movie ticket, food, fuel and grocery items to buy. Based on usage I get good points of 2K and some discounts avail for online shopping.
I am using HDFC bank credit card for more than 4 years. It is annual fee chargeable of 500 rupees. Initial the credit limit of 50K now they have enhanced till 1.5L, charges are nominal for EMI conversion. I use for shopping and grocery purposes. It is a snap deal card.
SBI customer service is no proper response, whenever I try to contact them. I have been using more than 4 years. It is FBB credit card with annual fee of 500 rupees. I get good vouchers of 500 rupees in Big Bazaar. The credit limit of 44K still same they have not enhanced yet. EMI conversion option is avail. I use for shopping, electricity bill payment and grocery purpose, based on usage I get 10% cash back in offer period.
I am using ICICI Bank coral card more than 8 years. They have offered a life time free card and the credit limit of 65K, initially it was low now they have enhanced it.. EMI conversion is applicable but I never used it. Net banking service is very useful. Basically I use for grocery and market purpose.
More than one year I am using HDFC bank credit card. It is a life time free credit card. But the credit limit is still 30 thousands only they have not enhanced yet. I have applied this card through a mobile application. I use to get 10% discount for an online shopping and grocery purchase. I received twice free movie tickets from book my show. It is a money back card.
I want to increase my limit from 78K to above 1L. I have IndianOil Platinum credit card from Citi Bank. I am using it for little expenses and actually am looking for benefits on petrol and grocery. Its just been 2months and too early to provide my feedback. Their customer service is brilliant. The drawback of this card, need to pay 25K per annum to waive the annual fee of Rs.1,000.
I have taken a credit card with CITI bank on few months before which was processed through an online. By 5 days I received a card with welcome kit. The credit limit is sufficient given for 30 thousands though it is a lower limit but am able to manage it. Frequently using for travel purpose. EMI option is not applicable for this card. Generally I use for grocery and fuel purposes.
For the past 2 years I am holding SBI simply click credit card. It is an annual fee chargeable of 500 rupees which was processed through bank directly. There is no much benefits. The limit is given for 35 thousands only. EMI option is applicable and charges are nominal. I use for ticket booking, fuel and grocery based on the usage got reward points.
The customer service is very good, I just started using YES BANK credit card so have no idea about the interest rates. Actually, they have told me some benefits for grocery purchase, electronic good and travel benefits. They called me and informed there was no annual fee then only I accepted this card.
I am holding ICICI bank coral credit card for more than 6 years. It is a life time free credit card. The credit limit is good they have enhanced for 2 to 3 times. EMI option is applicable and charges are nominal. I use this card for all purposes like fuel, grocery, shopping based on the usage I get points.
I am holding AXIS bank Privilege card for the past one year. I got an offered from bank. Within 4 days I received a card. It is an annual fee chargeable card of 1500 rupees. The credit limit given for sufficient of 1 lakh 40 thousands. EMI option is applicable and charges are nominal. I use this card for grocery and shopping purposes based on the usage I get reward points.
I am happy with Indusind Bank Ltd credit card because they are just charged me one time as Rs.499 and rest of the remaining years as life time free. I am using the card for more than 5 to 6 years. They are giving me utility benefits. There was no hidden charges. They should have good rewards for grocery aswell.
SBI is providing an option for balance transfer but never used it. I have 2 credit cards, FBB Style up card and Simply Click. The annual fees are applicable but Simply click has given voucher for the first year alone and it has other benefit of 2.5% cash back at e-commerce sites. I use this card from last 2months and it was taken for online purchase and buying grocery.
With INDUSIND bank I have applied for a credit card through an online. It is a life time free credit card. The verification process was delay and took long time almost a month to complete. The credit limit is low when compare to other. The limit given for 30 thousands only. I use this card for restaurants, grocery and shopping purposes.
For the past 8 years I am using HDFC bank master credit card which was process through bank directly. It is an annual fee chargeable and there is an option for a waiver off. The limit given for 2 lakhs. EMI option are applicable and charges are nominal. I use this card for shopping purposes, grocery and fuel.
From YES bank offered for a life time free credit card. The credit limit is intimated as for 50 thousands but given only for 15 thousands which was low. Since I am already holding existing credit card which limit for high. I received a card by 20 days. EMI option is applicable but mobile application is not working properly and there is no proper response. I use for fuel and grocery purposes.
I had applied YES PROSPERITY REWARD PLUS CARD online. I have received the card on time. I am using the card for online shopping and grocery. Credit limit is sufficient for me and there is no annual fee. I am getting cashback offers and reward points.
I think, the other bankers are offering little bit lesser rate of interest than Citi Bank. I got a Reward credit card which was good and the reward system is fine for buying grocery, etc. 4points =1rupees which means 0.25p for each point. The annual fee will be waived off for the spend above 30K.