With increased prices in grocery stores, it has become more than harder to manage households in India. And, managing the expenses smartly with a clever move has become basic rather than something special. Using a grocery credit card is one of the easiest and effective ways to save money on an everyday basis. Along with the advantages of cashback, reward points, and special discounts, the correct credit card may help you save money whether you’re shopping in-person or online. In this article, we will learn the list of 10 best credit cards that are perfect for grocery shopping in India.
Key Factors of Choosing a Grocery Credit Card
- Cashback/Reward Structure: Choose a card that offers you the maximum benefits like offers, cashbacks on every grocery spend.
- Shopping Platform: Some credit cards offer benefits for only certain grocery outlets or sites. Check if it aligns with your preferences.
- Annual/joining fee: Check if the returns you earn out of the card outweighs the fees and vice versa.
- Flexibility of Redemption: Ensure the card usage and the reward redemption is flexible and easier.
- Additional Perks: Keep an eye on cards that offer other perks and benefits like utility, fuel, dining benefits along with the grocery rewards.
Top 10 Grocery Credit Cards in India
1. Amazon Pay ICICI Credit Card
- Best For: Online grocery shoppers using Amazon Pantry/Fresh
- Benefits:
- 5% cashback exclusive for Amazon Prime members
- 3% cashback for non-Prime members
- No expiry on rewards
- Fee: Lifetime free
- Why Pick It? Ideal for those who regularly shop on Amazon.
2. HDFC Millennia Credit Card
- Best For: Cashback on online grocery platforms like BigBasket
- Benefits:
- 5% cashback on Amazon, Flipkart, BigBasket
- 1% cashback on all other spends
- Smart EMI options
- Fee: ₹1,000 (waived on ₹1 lakh spend/year)
- Why Pick It? Great for high online spenders who want multi-platform rewards.
3. Axis Bank Neo Credit Card
- Best For: Young shoppers and budget-conscious users
- Benefits:
- 10% discount on BigBasket, Blinkit, Zomato
- Rewards on other lifestyle spends
- Fee: ₹250
- Why Pick It? Affordable entry-level card with decent grocery savings.
4. SBI SimplyCLICK Credit Card
- Best For: Online grocery shoppers
- Benefits:
- 5x reward points on BigBasket, Amazon, and Grofers
- Welcome e-vouchers worth ₹500
- Fee: ₹499
- Why Pick It? Great mix of rewards and affordability for online buyers.
Also read: 5-Star Hotels on a Budget? These Credit Cards Are the Secret!
5. ICICI Platinum Chip Card (Visa)
- Best For: Grocery shopping at local kirana and supermarket stores
- Benefits:
- Earn 2 PAYBACK points for every ₹100 spent
- Safe contactless payment features
- Fee: ₹199 (waived on annual spend of ₹50,000)
- Why Pick It? Simple, no-frills rewards card for offline spenders.
6. Kotak Essentia Platinum Credit Card
- Best For: Regular supermarket spenders
- Benefits:
- 10% savings on groceries up to ₹1,500/month
- 10X reward points on department and grocery stores
- Fee: ₹1,499 (waived on ₹1.5 lakh annual spend)
- Why Pick It? High reward potential for regular grocery spenders.
7. Axis Bank Ace Credit Card
- Best For: Online grocery purchases via Google Pay
- Benefits
- 5% unlimited cashback on BigBasket, Swiggy via Google Pay
- 4% cashback on bill payments and recharges
- Fee: ₹499
- Why Pick It? Best for users who use Google Pay for daily essentials.
8. Flipkart Axis Bank Credit Card
- Best For: Flipkart Supermart customers
- Benefits:
- 5% cashback on Flipkart, 4% on preferred partners
- Fuel surcharge waiver
- Fee: ₹500
- Why Pick It? Perfect for regular Flipkart users and Big Billion Day shoppers.
9. Standard Chartered Smart Credit Card
- Best For: Flat cashback seekers
- Benefits:
- 2% cashback on groceries, fuel, and utility bills
- 1% cashback on all other spends
- Fee: ₹499
- Why Pick It? Consistent cashback across major expense categories.
10. HDFC Bharat Cashback Credit Card
- Best For: Daily household spending
- Benefits:
- 5% cashback on groceries, fuel, and bill payments
- Cashback credited directly to the statement
- Fee: ₹500
- Why Pick It? Excellent for families with recurring monthly expenses.
Table-wise Comparison
| Credit Card | Grocery Benefits | Annual Fee | Best for |
| Amazon Pay ICICI | 5% Cashback on Amazon Fresh | INR 0 | Prime Members |
| HDFC Millennia | 5% Cashback on Amazon, BigBasket | INR 1,000 | Online Shoppers |
| Axis Neo | 10% Off BigBasket, Blinkit | INR 250 | Budget Spenders |
| SBI SimplyCLICK | 5X reward on BigBasket & Amazon | INR 499 | Reward Seekers |
| ICICI Platinum Chip | PAYBACK points on offline grocery | INR 199 | Local Story Buyers |
| Kotak Essentia Platinum | 10% Saving on groceries | INR 1,499 | Supermarket Shoppers |
| Axis Bank Ace | 5% Cashback via googlepay | INR 499 | UPI Users |
| Flipkart Axis Bank | 5% Cashback on Flipkart Supermarket | INR 500 | Flipkart Shoppers |
| SC Smart Credit Card | 2% Cashback on groceries | INR 499 | Flat Cashback Lovers |
| HDFC Bharat Cashback | 5% Cashback on Groceries and bills | INR 500 | Utility & Grocery Mix |
How to Maximize the Grocery Credit Card Benefits?
- Make sure to use the card on the partnered platforms like Bigbaket or Amazon to earn maximum rewards.
- Don’t forget to combine the card benefits with the app benefits like using coupon codes and discounts.
- Track the cashback limits like monthly caps and plan your spendings accordingly.
- Always pay in full to avoid the interest eating up your savings.
Final Thoughts
A credit card when chosen right based on your spending habits and preferences can significantly reduce your household expenses. Whether you are a digital shopper or someone who prefers local supermarkets, there is a card for you. Make sure to find one that suits your lifestyle. Observe quietly and take a closer look at your grocery spending habits and pick the card that best suits your preferences and start saving today. One right choice can help you save bigger and cut your expenses.
Written by Kavitha Sugumar
