Grocery Credit Cards in India

Here is the list of the best credit cards for grocery shopping in India

• SimplySAVE Advantage SBI Credit Card
• HDFC Solitaire Credit Card

SimplySAVE Advantage SBI Credit Card

The SBI SimplySAVE Advantage Credit Card is one of the best cards for individuals who love grocery shopping. This card comes with a number of unique benefits that make it perfect for supermarket purchases.

Charges:

• The annual fee for the SimplySAVe Advantage SBI credit card is Rs.499
• The renewal fee per annum is Rs.499

Features and Benefits:

Welcome and Bonus Offer  

• Get 2,000 bonus reward points (worth Rs.500)  

• Spend Rs.2,000 within the first 60 days to earn the bonus points  

Reward Points Structure  

• Earn 10X reward points per Rs.150 on:  

• Dining  

• Movies  

• Departmental stores  

• Grocery purchases  

• Earn 1 reward point per Rs.150 on all other spends  

Redemption Benefits  

• Use reward points to pay your credit card bill  

• Conversion rate: 4 reward points = Rs.1  

Fuel Benefits  

• 1% fuel surcharge waiver on transactions between Rs.500 and Rs.3,000  

• Valid at petrol pumps across India  

• Maximum waiver: ₹100 per statement cycle  

Annual Fee Benefit  

• Renewal fee waived on annual spending of Rs.1 lakh  

Additional Perks  

• Complimentary movie ticket offers  

• Access to exclusive privileges and special offers 

HDFC Bank Solitaire Credit Card

The HDFC Bank Solitaire Credit Card 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.

Charges:

• 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

Reward Benefits 

• Earn 3 reward points per Rs.150 spent  

• Get 50% extra reward points on dining and grocery spends  

Milestone Benefits 

• Get Rs.1,000 gift voucher on spending Rs75,000 in six months  

• Eligible for up to two vouchers per year  

Cashback and Redemption 

• Redeem points for cashback: 100 points = Rs.20  

• Option to adjust against credit card outstanding balance  

Fuel Benefits 

• 1% fuel surcharge waiver  

• Valid on transactions between Rs.400 to Rs.5,000  

• Maximum waiver: Rs.250 per statement cycle  

Shopping and PayZapp Benefits 

• Earn additional cashback via PayZapp app  

• Up to Rs.1,000 cashback on shopping across more than 200 brands  

Fee Waiver Benefit 

• Annual fee: Rs.500 plus GST  

• Waived on spending Rs.50,000 annually  

Convenience and Management 

• Easy tracking of spends and rewards via a single platform  

• Simple redemption and account management options  

Security and Credit Features 

• Up to 50 days interest-free credit  

• EMV chip for secure transactions  

• Protection against unauthorized usage 

Credit cards make payments easy for all expenses online and offline while offering various benefits

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