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 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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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.
I have taken a platinum credit card with HDFC bank on 2 years before which was processed through an online. It is a life time free credit card and the credit limit of 97 thousands at an initial given only for 62 thousands later they have enhanced the limit. I use for shopping, buying an ornaments, grocery purposes.
I have been using RATNAKAR bajaj credit card for more than a year. The limit is good given for 1 lakh. EMI option is applicable. IVR is too long to connect customer service. I faced an issue that 5000 charged for member ship fee in statement bill. I use this card for shopping, grocery purpose based on the usage I get points but unable to redeem.
I am holding Money back card I generally use this card for shopping, they are providing cash back for all grocery, electronic items and with the selected partners. The credit limit is also satisfactory with HDFC, I have been using this card more than 8 years.
I do have HDFC freedom credit card which has the limit of 13 thousands only which was not sufficient to use. I have taken this card for more than a year which was applied directly to bank. Since I had taken a loan they have given offer for a card. I use for grocery and shopping purpose.
I have applied for a credit card with INDUSIND bank on a month before which was processed through an online. The credit limit which was given for 30 thousands as of now okay later they will increase as per my usage. There is an option for an EMI. I use this card for restaurants, fuel and purchase of grocery.
I have received my CITI CASHBACK CARD from Citi Bank. They have given very low credit limit. I was expecting 80-90 thousand but they have given only 50 thousand. Annual fee is Rs. 500. There is offers and reward points. I am using it for grocery and petrol.
I have received my INDUSIND BANK PLATINUM AURA EDGE MASTER CARD on time. I have started using the card. I am using it for mainly online shopping and grocery. It's a lifetime free card and credit limit is nominal. I am getting offers and reward points.
I have taken a credit card with INDUSIND bank on a month before which was processed through an online. There is no annual fee chargeable for this card but the credit limit which was given for low when compare to other card. Since I had taken a two wheeler loan from this bank So I have chosen to get card as well. I use for medical, grocery and bus ticket booking.
I had applied PLATINUM AURA EDGE MASTER CARD from Indusind Bank. I have received the card on time. My credit limit is only 30 thousand, I was expecting minimum 1 lakh. It is a lifetime free credit card. I am using it for online shopping, petrol and grocery.
I have applied for a credit card with INDUSIND bank on a month before which was processed through an online. It is a fee chargeable of 500 rupees and there is an option for a waiver off for a certain amount usage.As per my requirement they have given the credit limit. I use this card for grocery items, shopping and department store.
Through an online I have applied for a credit card with YES bank for more than a month. It is a life time free credit card and the credit limit is sufficient. Since it is a life time free credit card I have chosen for it.I use for shopping, grocery and while going outing with my friends.
I had applied for INDUSIND BANK PLATINUM AURA EDGE MASTER CREDIT CARD where the offers for grocery purchase is good, card limit for the card is good, there is life time free credit card and credit card got approved within 10 days and it was easy to generate the PIN number.