Best Credit Cards for Grocery Shopping

Credit cards are popular financial tools in the modern world. They are used for multiple financial purposes, from restaurant payments to booking flights. Credit cards are the most instant finance providers, offering a quick and convenient way to access funds when needed. One of the primary benefits of using credit cards is the rewards and cashback they offer on various purchases, particularly groceries. Selecting the best credit card for grocery shopping can significantly reduce your monthly expenses, providing substantial savings over time.

Credit cards also offer other advantages, such as building a credit history essential for future financial endeavours like loans or mortgages. Additionally, many credit cards come with additional perks, including travel insurance, lounge access, and discounts on dining and entertainment. These benefits make credit cards an indispensable tool for managing finances effectively.

However, it is crucial to use credit cards responsibly. Overspending can lead to high-interest debt, which can be difficult to manage. Therefore, choosing the right card that suits your spending habits and financial goals is vital. Evaluate your options, compare the best credit cards for grocery purchases, and select the one with the most beneficial rewards and features for your lifestyle.

List of Top 12 Best Credit Cards for Grocery Shopping in August 2024

Here is a list of the 12 best credit cards for grocery shopping in India for August 2024. Each card offers unique benefits, including cashback, reward points, and exclusive offers that can help you save on your grocery purchases.

Credit Card Name	Annual Fee	Welcome Offer	Key Features	Grocery Benefits	Other Benefits
HDFC Bank Regalia	₹2,500	2,500 Reward Points	Premium benefits, Airport lounge access	5% cashback on groceries	Travel and dining benefits
SBI SimplyCLICK	₹499	₹500 Amazon voucher	Online shopping rewards, 10X rewards on partner sites	2.5% cashback on groceries	1% fuel surcharge waiver
ICICI Amazon Pay	Nil	₹750 Amazon Pay Balance	5% back on Amazon for Prime members	2% cashback on groceries	No cost EMI on Amazon
Axis Bank ACE	₹499	5% cashback on bill payments	Flat 2% cashback on all transactions	5% cashback on groceries	1% surcharge waiver on fuel
American Express Gold	₹1,000	4,000 Membership Rewards Points	Premium dining and travel benefits	3% cashback on groceries	Access to Amex offers and experiences
Citibank Cashback	₹500	₹250 cashback	5% cashback on movie tickets and utility bill payments	2% cashback on groceries	Annual fee waiver on spending ₹30,000
Standard Chartered Manhattan	₹999	₹500 cashback	5% cashback on groceries and department stores	5% cashback on groceries	3X reward points on other spends
Kotak Royale Signature	₹999	4,000 Reward Points	4X reward points on dining and travel	4% cashback on groceries	Personal concierge services
RBL Shoprite	₹500	2,000 Reward Points	1.5% cashback on all purchases	2% cashback on groceries	Fuel surcharge waiver
Yes Prosperity Edge	₹1,200	10,000 Reward Points	8 reward points per ₹200 spent	2% cashback on groceries	Travel and dining benefits
HSBC Cashback	₹750	3% cashback on online spends	1.5% cashback on all purchases	1.5% cashback on groceries	No joining fee
IndusInd Platinum Aura	₹500	1,000 Reward Points	4 reward points per ₹150 spent	1.5% cashback on groceries	Personal accident cover

1. HDFC Bank Regalia

The HDFC Bank Regalia Credit Card is designed for those seeking premium benefits. It offers airport lounge access and comprehensive travel insurance.

• Annual Fee: ₹2,500
• Welcome Offer: 2,500 Reward Points
• Features: Premium benefits, including airport lounge access and comprehensive travel insurance.
• Grocery Benefits: 5% cashback on grocery purchases.
• Other Benefits: Travel and dining benefits.

2. SBI SimplyCLICK

SBI SimplyCLICK is the perfect card for online shoppers. It offers 10X rewards on partner sites like Amazon and BookMyShow.

• Annual Fee: ₹499
• Welcome Offer: ₹500 Amazon voucher
• Features: 10X rewards on partner sites like Amazon and BookMyShow.
• Grocery Benefits:5% cashback on grocery purchases.
• Other Benefits: 1% fuel surcharge waiver; easy rewards redemption.

3. ICICI Amazon Pay

The ICICI Amazon Pay Credit Card is an excellent choice for frequent Amazon shoppers. It provides great cashback on Amazon and grocery purchases.

• Annual Fee: Nil
• Welcome Offer: ₹750 Amazon Pay Balance
• Features: 5% back on Amazon for Prime members, 3% for non-Prime members.
• Grocery Benefits: 2% cashback on grocery purchases.
• Other Benefits: No cost EMI on Amazon purchases.

4. Axis Bank ACE

Axis Bank ACE Credit Card offers a straightforward cashback structure, making it easy to understand and use.

• Annual Fee: ₹499
• Welcome Offer: 5% cashback on bill payments
• Features: Flat 2% cashback on all transactions; no upper limit on cashback.
• Grocery Benefits: 5% cashback on grocery purchases.
• Other Benefits: 1% surcharge waiver on fuel.

5. American Express Gold

The American Express Gold Card offers premium dining and travel benefits and decent cashback on groceries.

• Annual Fee: ₹1,000
• Welcome Offer: 4,000 Membership Rewards Points
• Features: Premium dining and travel benefits.
• Grocery Benefits: 3% cashback on grocery purchases.
• Other Benefits: Access to Amex offers and experiences.

6. Citibank Cashback

The Citibank Cashback Credit Card is ideal for simple cashback on everyday expenses like groceries and utility bill payments.

• Annual Fee: ₹500
• Welcome Offer: ₹250 cashback
• Features: 5% cashback on movie tickets and utility bill payments.
• Grocery Benefits: 2% cashback on grocery purchases.
• Other Benefits: Annual fee waiver on spending ₹30,000.

7. Standard Chartered Manhattan

Standard Chartered Manhattan Credit Card offers high cashback on groceries and department store purchases, making it a great grocery credit card.

• Annual Fee: ₹999
• Welcome Offer: ₹500 cashback
• Features: 5% cashback on groceries and department stores.
• Grocery Benefits: 5% cashback on grocery purchases.
• Other Benefits: 3X reward points on other purchases.

8. Kotak Royale Signature

The Kotak Royale Signature Credit Card offers high reward points on dining and travel and decent cashback on groceries.

• Annual Fee: ₹999
• Welcome Offer: 4,000 Reward Points
• Features: 4X reward points on dining and travel.
• Grocery Benefits: 4% cashback on grocery purchases.
• Other Benefits: Personal concierge services.

9. RBL Shoprite

RBL Shoprite Credit Card provides consistent cashback on all purchases, with additional benefits on groceries and fuel.

• Annual Fee: ₹500
• Welcome Offer: 2,000 Reward Points
• Features:5% cashback on all purchases.
• Grocery Benefits: 2% cashback on grocery purchases.
• Other Benefits: Fuel surcharge waiver.

10. Yes Prosperity Edge

The Prosperity Edge Credit Card is ideal for those looking for high-reward points and cashback on groceries.

• Annual Fee: ₹1,200
• Welcome Offer: 10,000 Reward Points
• Features: 8 reward points per ₹200 spent.
• Grocery Benefits: 2% cashback on grocery purchases.
• Other Benefits: Travel and dining benefits.

11. HSBC Cashback

The HSBC Cashback Credit Card offers simple and straightforward cashback on all purchases, including groceries.

• Annual Fee: ₹750
• Welcome Offer: 3% cashback on online purchases
• Features:5% cashback on all purchases.
• Grocery Benefits:5% cashback on grocery purchases.
• Other Benefits: No joining fee.

12. IndusInd Platinum Aura

IndusInd Platinum Aura Credit Card offers a good balance of reward points and cashback, especially on grocery purchases.

• Annual Fee: ₹500
• Welcome Offer: 1,000 Reward Points
• Features: 4 reward points per ₹150 spent.
• Grocery Benefits:5% cashback on grocery purchases.
• Other Benefits: Personal accident cover.

Why Choose a Credit Card for Grocery Shopping?

Groceries account for a sizable portion of average household spending. It is an unavoidable expense, and credit cards help reduce spending. The best credit cards for grocery shopping provide the following advantages that make them an appealing option.

• It offers convenience. Using a credit card at the grocery shop is a quick and easy way to pay for your items.
• It eliminates the need to carry cash or write checks. 
• Credit card payments also provide greater security against fraudulent transactions. 
• Grocery shoppers can earn points or cash back for their purchases through the rewards programs.  
• Some cards even provide sign-up incentives, making them especially appealing to supermarket buyers.

Tips for Maximising Grocery Credit Card Rewards

Credit card reward points can be quickly gained these days if you know how to do it. Every credit card company will provide a reward program scheme in order to differentiate itself from its competition and, of course, to improve its overall customer base. As a result, for every dollar spent, you will receive reward points that can be redeemed.

• When comparing different credit card alternatives, pay attention to the fine print because some stores may not qualify for these added points, or there may be a spending limit.
• Check for a card that not only meets your lifestyle requirements but also pays off well.
• To optimise your credit card’s rewards potential, you must use it on a regular basis. This includes utilising it when shopping for groceries and other things, as well as at gas stations and medicine stores.
• Some grocery stores award higher points for specific items or brands. Always check the store’s promos and take advantage of any available rewards.
• It can be tempting to keep using the card while you have rewards points, but remember to pay off any balances before they start earning interest. This will assist you in lowering your overall costs.
• For new clients, several grocery credit cards offer generous sign-up incentives. Before signing up, carefully read the terms and conditions.

How to Choose the Right Grocery Credit Card

Review the Annual Fees

Many credit cards do not have annual fees, but some do. Many of the top rewards credit cards include an annual fee. Consider your budget and whether you can afford an annual charge before settling on a credit card for groceries.

Evaluate the Cashback Rates

Examine the cashback rates of available cards before applying for a grocery rewards credit card. Getting a card with a higher cashback rate may help you increase your earnings and make it simpler to earn cash back faster, especially if you shop at the grocery store frequently.

Analyse Card Benefits

Some supermarket rewards credit cards allow cardholders to earn rewards in categories other than groceries, which could help you optimise your earning potential.

Reward Restrictions

Many credit card companies advertise that their credit cards provide better cash back or discounts. However, many offers may have a cap on the maximum discount/cashback you can receive. As a result, you should carefully examine the terms and conditions to determine the benefit cap.

Understand the Spending Cap

Some rewards credit cards include spending constraints or limits on how many rewards you can earn in a given category. Knowing this is vital because it can help you assess a card’s rewards potential.

Conclusion

Finally, the best credit cards for grocery shopping are ones that provide not only the best cashback rewards but also the finest perks and promos. You should seek a card that allows you to maximise your expenditure and make the most of your grocery shopping, from higher loyalty points to cashback benefits. In order to save even more money, get credit cards with low-interest rates and no foreign transaction fees. Finally, the best credit card for grocery shopping is the one that matches your spending habits and rewards you for the purchases you make.