Best Credit Cards For Grocery Shopping

By Shrutika Vaishnavi | February 13, 2018

Looking for the right Credit Card for grocery shopping? Read on.

Best Credit Cards For Grocery Shopping

Grocery shopping forms a big chunk of our monthly budget. With it being one of the biggest and most significant expenses, it becomes really important to plan it right. There are a lot of things you can keep in mind to keep your expenses in check when you go grocery shopping. Some of these things include—never shopping when you’re hungry as you end up buying things you don’t actually need. Other things include buying in bulk and looking for as many offers and discounts as you can.

Additional Reading: The Future Of Online Grocery Shopping In India

If you already follow all these tips, there’s one thing you can still try your hand at—using the right Credit Card to buy groceries. To make things simpler for you, we have made a list of the best Credit Cards that are the most suitable for grocery shopping. Here’s the list:

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. Why? Because it comes with a number of unique benefits that make it perfect for supermarket purchases.

Here’s a list of charges applicable:

  • The annual fee 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. Additionally, 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.
  • 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 cashback of Rs. 100 on their first ATM cash withdrawal, if it is done within the first month of receiving their SimplySAVE Advantage SBI Credit Card.
  • SimplySAVE Advantage 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 instalments 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 budget on supermarket and grocery spends.

Check Your Eligibility For This Card

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 advantages.

Here’s a list of charges applicable:

  • A joining fee of Rs. 500 plus service tax is applicable.
  • From the second year, an annual fee of Rs. 500 plus service tax will be applicable.

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.
  • Customers can book airline tickets with ICICI Bank Coral Contactless Credit Card and enjoy complimentary visits to airport lounges.
  • Every month, cardholders can avail two complimentary movie tickets through 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 2,100 restaurants across India.

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 reward points program and discounts, this card is also great for those who frequently spend on groceries and at supermarkets.

Check Your Eligibility For This Card

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 it comes with. From grocery spends to travel and dining spends, this card covers everything.

Here’s a list of charges applicable:

  • The annual fee is Rs. 500

Benefits and features:

  • Customers can earn three reward point for every Rs. 150 spent using the card and exchange them for amazing coupons and gifts listed on the HDFC Rewards Catalogue.
  • You can also earn 50% more Reward Points on grocery & restaurant shopping as per the Merchant Category Code.
  • Customers can save Rs. 1,500 yearly on fuel purchase with your card as long as your monthly bill amounts to Rs. 5,000.
  • In case of loss of card, customers can report it to the bank and no extra charges will be levied.
  • You can get Shoppers Stop coupons for Rs. 1,000 for a total spend of Rs. 75,000 in six months.
  • 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.
  • With its India Miles feature, customers can get to cash their reward points against flight tickets.
  • Customers can exploit the benefits of Revolving Credit at minimal interest rate and also get up to 50 days of interest free time period from the day of buying or borrowing.

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 balance on spends related to grocery and supermarkets. Solitaire 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.

Check Your Eligibility For This Card

Additional Reading: 15 Awesome Credit Cards With No Paperwork

Now that you have a list of all Credit Cards that are great for grocery shopping, what are you waiting for? Apply for one today!

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Category: Credit Cards Shopping
Shrutika Vaishnavi

About Shrutika Vaishnavi

Shrutika believes that everyone is a superhero, with a stack of some extraordinary superpowers. She is driven by the simplicity of the most complicated things around her, and her superpower is- using the right words at the right time.

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