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.
  • Customers need to pay the 2.5% fuel surcharge at petrol pumps if they spend an amount between Rs. 500 to Rs. 3,000 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 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.

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. 1,000 plus service tax is applicable.
  • From the second year, an annual fee of Rs. 500 plus service tax will be applicable.
  • 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 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 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 reward 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 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.
  • The renewal fee for this Credit Card is also Rs. 500. An interest-free period of up to 50 days is applicable. In case individuals spend Rs. 10,000 through their card within the first 90 days from the date of the 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 of 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 Shoppers Stop 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 Card at any point in 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 lakhs 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 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.

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!

All information including news articles and blogs published on this website are strictly for general information purpose only. BankBazaar does not provide any warranty about the authenticity and accuracy of such information. BankBazaar will not be held responsible for any loss and/or damage that arises or is incurred by use of such information. Rates and offers as may be applicable at the time of applying for a product may vary from that mentioned above. Please visit www.bankbazaar.com for the latest rates/offers.

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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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