Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Credit Card BYTES FROM OUR KITCHEN

    Grocery Credit Cards in India

    Best Grocery Credit 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 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
    • HDFC Solitaire credit card by HDFC Bank

    SimplySAVE Advantage SBI Credit Card

    The SimplySAVe Advantage credit card by the State Bank of India 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:

    • 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.

    ICICI Bank Coral Contactless Credit Card

    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.

    Charges:

    • 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.

    HDFC Bank Solitaire Credit Card

    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.

    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

    • 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 Card Reviews

    • ICICI Bank Credit Card
      "Good application but need improvement"
      0.5 3.5/5 "Pretty good"
      I don't have good experience with ICICI, anyway the I mobile app is easy to do fund transfer and other service and if I place the request for cheque book immediately processed it. However some time the service get hang , they need to develop on that part.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Good for air port lounges"
      0.5 4.5/5 "Excellent!"
      The SBI card is good, I used to get air lounges in the air port and they issue good credit limit based on the customer profile, but they don't have any cash back. The customer support is also not good they need to improvement however card features is good and charges are nominal.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good card and best to use"
      0.5 5.0/5 "Blown Away!"
      I am very much happy with the HDFC service and am using the credit card for one year. It is Money Back visa credit card. They are providing cash back offers, it depends up on the transactions. I have converted the out standing payments into EMI and charges are reasonable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      The redemption of reward points are very less and the product they are offering for the points which was high. I am not able to purchase the product on those points. I have no issues with the customer support. The rate of interest is average. I need to spend a lot to accumulate the 10% discounts for shopping.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Offers are average"
      0.5 4.0/5 "Great!"
      I am not satisfied with the benefits and have been using the credit card for more than 10 years. The credit limit is good. The charges are more for the credit card. I am able to manage the account online. I can do the payment into their app and net banking. I have taken flexi pay and charges are high since I don't use.
      Was this review helpful? 1
      , mohali
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Okay"
      0.5 3.5/5 "Pretty good"
      HDFC credit card is good in between some of the period I did not use the card much. I cannot convert the payment into EMI and it does not have that option. The service wise they are good and no issues. Its a zero fee card, reward points are there other than there was no much offers.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • SBI Cards Credit Card
      "Best card"
      0.5 4.5/5 "Excellent!"
      SBI is doing good service and the offers. It has Flexi pay option and reward points can be redeemed easily. Am much satisfied with SBI and using it for 3 years. Annual charge will be waived off If I use to certain limit. The credit limit was enough to me.
      Was this review helpful? 1
      , hosur
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Can do Better"
      0.5 3.0/5 "Satisfactory"
      In ICICI bank, they were already collecting the interest rate for swiping the card, again in the bill they were adding one more charges its not upto the mark. Its a normal card with other benefits but still I think it has the annual fee around Rs. 500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good service and need to reduce the interest "
      0.5 4.0/5 "Great!"
      The charges are very high on HDFC credit card which is around 10 to 11% some cases its 12%. I am using the card for 5 to 6 years and after 2 years they have enhanced the credit limit. They are charging annual fee and I don't know the figure. The online service is good and am not satisfied with the customer center, only Chennai office is doing good response.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • Punjab National Bank Credit Card
      "Good card"
      0.5 4.5/5 "Excellent!"
      There was no issues on the credit card experience. The customer service was very fine. I have been using Punjab National Bank card for around 10 years. I use it only for shopping and there was no offers, its just a basic card. I can covert the payment into EMI and the charges are minimal which is 3%.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Dissatisfactory Experience"
      0.5 1.0/5 "Really Bad"
      My HDFC credit card experience is not upto the mark, I have activated the auto debit option. My due date falls on 24 of every month, but one day my salary credited got delayed on that same days. Hence they charged Rs. 500, however within few hours my salary got credited in my account but still they didn't give waiver. I am using this account for past 4 to 5 years its good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 14, 2019
    • HSBC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      I do have a HSBC credit card and they are great in service and the offers. But the accessibility is bit less but still online banking and the customer service support is good. The credit limit was good amount. It is a life time free credit card. I am having HSBC Gold card and its almost 10 years.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • ICICI Bank Credit Card
      "Need to improve"
      0.5 4.0/5 "Great!"
      I am having Coral card and using it almost 5 years, Still am not sure about the benefits. It was fine for the basic purpose. The credit limit needs to be better. There is no annual fee. I have contacted the helpline number and it takes bit longer to connect with the representative. There is no hidden charges so far.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I do have a credit card with HDFC Bank and its been 3 years now. I am happy with the offers and the credit limit. The customer service is very good. There is no hidden charges. The late payments are also nominal and I can convert the payments into EMI. Most I like it on the card is I can convert the reward points into cash.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 14, 2019
    • Bank of Baroda Credit Card
      "Reminder alert should be implement"
      0.5 3.5/5 "Pretty good"
      For the minimum amount due the interest rate is good around 14% in Bank of Baroda credit card, the customer service is good. But there was no message or calls from the bank end about the billing details. My due date 20 days, because of non reminder I just missed my payment. However the credit limit is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • IndusInd Bank Credit Card
      "Need lots of improvement"
      0.5 2.0/5 "Expected more"
      I closed the Indusind credit card because the transactions and other charges are very high. The customer service is average for the minimum balance due they have high interest rate around 44% its not fine for me. Therefore I closed my credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 14, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 3.5/5 "Pretty good"
      I hold a HDFC credit card and i have just started using it. I have got a good limit on my card. Its a free life time card with no annual charges. I am getting offer related messages and i am yet to experience the offers. Hope HDFC will serve better..
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was the first time experience i had with the services of Bank Bazaar and they had been making a good follow up from starting after i had applied my credit card through them. I had been using the website of them which has been convenient and the process through them was quick.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Citibank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since it was better card compared with the other cards. The process in getting this card has been simple and there has not been any delay in getting this card. The credit limit with this card was quite less than expected and there is some annual charges with this card which will get waved off as per the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
    • Bank Bazaar Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It was a good experience i had with the services of Bank Bazaar where i had been using the services of them for a while. I had used their web portal which has been convenient and has been easy in using. Their customer support team had also been helpful and has been responsive as well.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 13, 2019
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