Grocery shopping is something that you will have to do regularly. Groceries are indispensable and they account for a huge chunk of your monthly expenses. Hence it is essential to see how you can save on them. Many financial institutions have come up with credit cards that enable you to cut down a few bucks on grocery shopping in the form of cashback, discounts, etc. Let us now explore the best credit cards for grocery shopping in India in 2025
Top Credit Cards for Grocery Shopping in India in 2025
Here is a list of some best credit cards for grocery shopping in India in 2025.
|
Credit Card |
Joining fee |
Renewal fee/Annual fee |
|---|---|---|
|
Nil |
Nil |
|
|
HDFC Swiggy Credit Card |
Rs. 500 plus applicable charges |
Rs. 500 plus applicable charges |
|
Reliance SBI Credit Card |
INR 499 plus taxes |
INR 499 plus taxes |
|
Lifetime free |
Lifetime free |
|
|
3000 |
3000 |
|
|
2999 |
2999 |
|
|
499 |
499 |
|
|
Rs. 500 plus GST |
Rs. 500 plus GST |
|
|
Rs. 500 |
Rs. 500 |
|
|
Lifetime Free (Festive offer) |
Lifetime Free (Festive offer) |
|
|
1000 plus GST |
1000 plus GST |
How to Choose the Best Credit Cards for Grocery Shopping?
Let us now understand how to look for the best credit cards for grocery shopping.
- No Annual Fee: When you choose a credit card for grocery shopping, it is important to choose a card that does not charge a huge annual fee. When you get a credit card, you must choose one in such a way that the benefits offered will outweigh the fee charged by the card.
- Flexible redemption options: When you try to choose some of the best credit cards for grocery shopping, choose cards that offer various options for redemption or cashback. You can redeem your reward points flexibly against multiple options.
- Low interest rates: The interest charged on your credit card can cause you to spend more than the planned budget. It is hence important to choose a card that charges low interest.
- Exclusive discounts with merchants: Check if the card offers exclusive discounts or special promotions on multiple brands, grocery stores, and e-commerce platforms when you are going to curate a list of some of the best credit cards for grocery shopping. It is important to avail these offers as they can lead to considerable savings.
- Analyze your spending habits: Another important thing to do before choosing some of the best credit cards for grocery shopping is to analyze your spending patterns. For instance, if you are a person who shops maximum online, then you should go in for a credit card that provides you with rewards, cashback, and discounts on online shopping. However, if you spend more on offline purchases, then you should go in for a card that gives you maximum perks on offline spends.
- Income and Budget: People spend more using their credit cards than when they transact using cash. This is because credit cards give the option of buying now and paying later. Additionally, they offer freebies and waivers. However, you must understand that the amount of money you spend is huge when compared to the freebies and discounts. Therefore, before you choose a grocery shopping credit card, analyze your income and chalk a budget. Then, select a credit card that fits in with your budget perfectly.
Best Credit Cards for Grocery Shopping - Key Features
Here is a list of some of the best credit cards for grocery shopping in India in 2025
Amazon Pay ICICI Credit Card
The Amazon Pay ICICI credit card is a great pick if you do most of your grocery shopping on Amazon. This is because if you are a prime member, you get a 5% cashback and if you are a non prime member, you get a cashback of 3%. Besides, the card also offers cashback on offline spends. Although it is great for Amazon grocery shoppers, since it is lifetime free, you are not going to lose anything by owning the card.
Key Features and Benefits:
- Enjoy a cashback of up to 5% on Amazon purchases if you are an Amazon Prime member.
- Enjoy a 3% cashback on Amazon spends if you are an Amazon non prime member
- Enjoy a 2% cashback on spends at Amazon Pay partner merchants.
- Enjoy a 1% cashback on all offline spends.
- Enjoy a fuel surcharge waiver of 1% on fuel spends across all petrol pumps in India.
HDFC Swiggy Credit Card
This is for the Swiggy shopping lovers who shop a lot on Swiggy right from food to groceries to dining in Swiggy partner restaurants. For those Swiggy grocery brand lovers, this is one of the best credit cards for grocery shopping in India. This card offers a whole lot of perks for Swiggy shopping enthusiasts right from discounts, cashback, complimentary memberships, etc. Buy this card and have a rewarding and comfortable online ordering experience with Swiggy.
Key Features and Benefits:
- Get a cashback of 10% on spends done on Swiggy. This is in addition to the regular offers and discounts across ordering food, dining out, groceries, and more. Get a cashback of up to Rs. 1500 per month.
- Digital shopping enthusiasts can enjoy a cashback of 5% on all online spends. Get a cashback of up to Rs. 1500 per month.
- Get a free 3 month membership worth Rs. 1199 on activating the card. Enjoy complimentary deliveries and extra discounts on food, Instamart, DineOut, and more.
- Enjoy a renewal fee waiver on reaching milestone annual spends of Rs. 2 lakhs in the previous year.
Reliance SBI Credit Card
The Reliance SBI Credit Card is a good credit card for grocery shopping. Because this card gives 5 reward points per Rs. 100 spent on shopping at select reliance retail stores. Further, it gives vouchers as welcome benefits and on reaching milestone spends, which can be redeemed against popular Reliance grocery brands such as Reliance Smart, Reliance Market, JioMart, and Reliance Fresh. Overall, it is a great card for Reliance brands loyalists.
Key Features and Benefits:
- Get a reliance retail voucher worth Rs. 500 on paying the joining fees. This voucher can be redeemed across brands such as Reliance Fresh, Reliance Smart, Reliance Market, Reliance digital, fashion factory, reliance jewels, trends, Trends Junior, Trends footwear, Avantra, etc.
- Get an additional discount voucher worth Rs. 3200 at Reliance brands such as Ajio, Netmeds, JioMart, and more. These vouchers will be delivered within 45 days of paying the joining fees.
- Enjoy a renewal fee waiver on reaching annual spends of Rs. 1,00000 on the reliance retail outlet in the previous year.
- Milestone spends
- Get a reliance retail voucher worth Rs. 500 on reaching milestone spends of Rs. 25,000 at participating reliance retail stores.
- Get a reliance retail voucher worth Rs. 750 on reaching annual spends of Rs. 50,000 at participating reliance retail stores.
- Get a reliance retail voucher worth Rs. 1,000 on reaching annual spends of Rs. 80,000 at participating retail stores.
- Get 5 reward points per Rs. 100 spent on the participating reliance retail stores
- Get a fuel surcharge waiver of 1% on transactions in the range of Rs. 500 to Rs. 4,000 across all petrol pumps in India.
Tata Neu Infinity HDFC Bank Credit Card
This card rewards you with ample NeuCoins on grocery purchases on Tata Neu, Tata brands such as Bigbasket, and Tata partner merchants like Swiggy, Zomato, etc. Besides this it also rewards you on shopping with Non Tata partner brands. Along with other benefits that this card offers, this is a really exciting card to have in your wallet, especially for Tata brand loyalists.
Key Features and Benefits:
- Get an insurance cover of up to Rs. 9 lakhs as lost card liability cover
- Get an insurance cover of up to Rs. 15 lakhs for emergency overseas hospitalization.
- Get an insurance cover of Rs. 1 crore as accidental death cover.
- Get 1,499 NeuCoins as a welcome benefit on doing the first transaction before 30 days of card issuance. (Get this as a reversal of the membership fee for the first year).
- If the first transaction is done before 30 days from the date of card issuance, 1,499 NeuCoins will be added to the Tata Neu App.
- Get a fuel surcharge waiver of 1% across fuel stations in India on transactions between Rs. 400 to Rs. 5,000. (Get a waiver of up to Rs. 500 in a statement cycle)
- Get 8 complimentary domestic lounge access per year. The offer is applicable for both Visa and RuPay cards.
- Get 4 international complimentary lounge access by using the priority pass. The offer can be availed for both RuPay (An additional charge of $3.25 will be made) and Visa cards.
- Gain 5% NeuCoins for Non EMI spends on Tata Neu and Tata Brand partners
- Gain 1.5% NeuCoins for EMI spends or spends on Non Tata brands.
- Get an additional 5% NeuCoins on spending on the Tata Neu website or app.
Axis Bank Select Credit Card
This card can be easily called as one of the best credit cards for grocery shopping in India as this card gives you reward points on each spend and also double the amount of reward points on retail shopping spends. Further, this you get Rs. 500 off on Bigbasket once per month and Rs. 200 off on Swiggy twice per month. Apart from benefits on groceries, this card offers benefits on other categories such as insurance, golf, dining, fuel, etc. Thus, own this card and unlock a world of attractive benefits.
Key Features and Benefits:
- Earn 10 Axis EDGE points on each spend of Rs. 200
- Earn 2x EDGE points per Rs. 200 on retail shopping spends.
- Get 2x EDGE reward points on cumulative transactions up to Rs. 20,000 per month. For transactions above Rs. 20,000 per month, earn 10 EDGE reward points.
Terms and conditions:
Categories which do not earn EDGE reward points include insurance, rent, fuel, educational service, utilities, wallet, gold/jewelery, and government related transactions.
- Get up to Rs. 500 off on BigBasket,once per month.
- Get up to Rs. 200 off on Swiggy, twice a month.
- Get 5000 EDGE points on reaching milestone spends of Rs. 3 lakhs in a year.
- Get a reversal of annual fee on reaching milestone spends of Rs. 8 lakhs in a year
Terms and conditions:
Spend categories for EDGE points and annual fee waiver do not include insurance, rent, fuel, educational services, utilities, wallet, and gold.
- Enjoy priority pass renewal on reaching milestone spends of Rs. 3 lakhs in a year.
- Enjoy 6 free golf rounds annually.
- Earn 6 complimentary golf rounds within the same year on achieving milestone spends of Rs. 3 lakhs.
- Get a discount of Rs. 800 and more via the Axis Bank Dining Delight program with EazyDiner.
- Get a fuel surcharge waiver of 1% on fuel purchases between Rs. 400 and Rs. 4000.
- Get an insurance coverage up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover.
SBI Card Prime
This card offers accelerated rewards on grocery and department store spends. It also rewards you on every spend done on retail purchases and is a good credit card for grocery shopping. With other multiple benefits like gift vouchers from popular brands, complimentary Club Vistara membership, etc., this card is an all round performer and an attractive one to own. Overall, it is one of the best credit cards for grocery shopping.
Key Features and Benefits:
- Get 5x rewards on dining, groceries, departmental stores, and movies.
- Get 8 international priority passes and 4 domestic airport lounge visits per year.
- Earn 10x rewards on birthday spends and 2 reward points per Rs. 100 on other retail purchases.
- Enjoy the privilege of getting a complimentary Club Vistara Silver membership.
- Get e-gift vouchers of value Rs. 3,000 on popular brands, such as Pantaloons, Yatra, etc. as welcome benefits.
- Get a Pizza hut gift voucher worth Rs. 1,000 on reaching quarterly spends of Rs. 50,000.
- Get a Yatra or Pantaloons gift voucher worth Rs. 7,000 on reaching milestone spends of Rs. 5 lakhs in a year.
SimplySAVE Advantage SBI Credit Card
This SBI card is one of the best credit cards for grocery shopping in India. It rewards you with 10 reward points for each 150 Rs. that you spend on grocery purchases. With other benefits like fuel surcharge waivers, annual fee reversal on reaching milestone spends, and rewards across other categories like dining, movies, etc., this card is a privilege to have.
Key Features and Benefits:
- Get 10 reward points on each spend of Rs. 150 made across categories of dining, movies, groceries, and departmental stores.
- Earn 1 reward point per Rs. 150 spent on all other categories (4 reward points = Re 1).
- Obtain a fuel surcharge waiver of 1% on transactions in the range of Rs. 500 to Rs. 3000 at any petrol pump (Get a waiver up to Rs. 100 per statement cycle)
- Enjoy an annual fee reversal on spending Rs. 1,00,000 or more in the previous year.
HDFC Bank Solitaire Credit Card
Enjoy spending & shopping with the HDFC Bank Solitaire Credit Card. This card offers a whopping 50% extra reward points on grocery expenses with the base reward rate for the card being 3 reward points per Rs. 150 spent. The card also offers exciting redemption options with a host of gifts. This card is a really valuable one for avid shoppers. To top it all, this card is accepted worldwide and comes equipped with chip technology. With all the advantages listed above, this card can be easily considered to be one of the best credit cards for grocery shopping.
Key Features and Benefits:
- Earn 3 reward points per Rs. 150 spent
- Get reward points of 50% more on dining and grocery expenses.
- Redeem reward points for exclusive gifts and offers
- Get vouchers worth Rs. 1000 on reaching milestone spends of Rs. 75000 in six months. Earn up to 2 vouchers in a year.
- Redeem your reward points for cashback @ 100 points = Rs. 20
- Get a fuel surcharge reversal of 1% on transactions in the range of Rs. 400 to Rs. 5000 (Get a waiver up to Rs. 250 for each statement cycle).
Flipkart Axis Bank Credit Card
This card rains cashback on shopping. Since the card is a Flipkart co-branded one, it provides maximum cashback on Flipkart spends. But, it offers unlimited cashback on partner merchant spends and also rewards you on all expenses. So, with its very many benefits, this card is a privilege to have and can be considered to be one of the best credit cards for grocery shopping.
Key Features and Benefits:
- Get a Flipkart voucher worth Rs. 500 on doing the first card transaction within 30 days of issuing the card.
- Get a discount of 50% (Up to Rs. 100) on the first transaction for new Swiggy customers.
- There is no upper cap on the 5% cashback on Flipkart and Cleartrip spends
- Get unlimited cashback of 4% on partner merchants like Swiggy, Cult.fit, PVR, Uber, etc.
- Get unlimited cashback of 1% on other merchant spends.
- Get 4 complimentary domestic lounge visits every year (with a maximum of 1 per quarter) on spending Rs. 50,000 during the previous quarter.
- Get a discount of 20% on dining at partner restaurants.
Tata Neu Plus HDFC Bank Credit Card
This card is again one of the best credit cards for grocery shopping, especially for the Tata brand loyalists. It gives 7% back as NeuCoins on groceries - 2% on Tata brands like BigBasket and an additional 5% on selected categories on the Tata Neu app or website (After registering for the TataNeu pass). You can get a maximum of 1000 reward points on grocery shopping per month. Coupled with other benefits, this card is a great pick.
Key Features and Benefits:
- On Non EMI spends made at Tata Neu and partner Tata merchants like Tata 1 MG, BigBasket, Croma, Westside, etc, earn 2% NeuCoins.
- Get back 1% NeuCoins on non Tata brand and any merchant EMI spends.
- Earn 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands with a maximum of up to 500 NeuCoins per month).
- Earn an additional 5% back as NeuCoins on select categories on the Tata Neu app or website after downloading the Tata Neu app and registering for the Tata NeuPass.
- Earned NeuCoins can be redeemed against purchases made on brands like Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, Tata 1MG, Titan, and Tanishq.
Limitations on NeuCoins Earned
- Rental and government related transactions will not accrue NeuCoins.
- You can earn up to a maximum of 1,000 NeuCoins every month on grocery transactions.
- Enjoy up to a maximum of 2000 NeuCoins per month on utility, telecom, and cable transactions.
- NeuCoins are not accrued on education payments made through third party apps like (But not limited to) Cheq, CRED, MobiKwik, etc. But payments done straight via portals of colleges or schools or their POS machines will earn NeuCoins.
- Currently bill payments through Tata Pay, and spends on Cult.fit, Air India, Tanishq, and Tata Play are not eligible for 5% NeuCoins via the NeuPass membership.
- Get 4 complimentary lounge access per year, with 1 per quarter.
- Get a fuel surcharge of 1% for transactions between Rs. 400 and Rs. 5000 at all fuel stations across India.( With a maximum waiver of Rs. 250 per statement cycle).
- 499 NeuCoins will be added to the Tata Neu app within 60 days as a welcome benefit if you make the first transaction within 30 days of card issuance.
- Get a renewal fee waiver on achieving milestone spends of Rs. 1,00,000 or more before the renewal date of the card.
Axis Bank Rewards Credit Card
This card offers accelerated rewards on department store purchases and a good discount on Swiggy twice a month. So, for those frequent grocery buyers from department stores or food orderers from Swiggy, this card is the most suitable one. Users can also redeem the reward points earned for exciting gifts in the Axis Bank rewards catalog. On the whole, this is a good card for those who want to save on groceries and are ready to pay an annual fee of Rs. 1000 which you can get back through rewards. Hence, it can be considered as one of the best credit cards for grocery shopping in 2025
Key Features and Benefits:
- Earn 10X reward points on clothes and departmental store spends
- Enjoy a discount of up to 30% on Swiggy orders of minimum Rs. 200 (This is applicable twice a month).
- Enjoy 2 complimentary domestic airport lounge visits in a quarter.
- Get 2 EDGE reward points per Rs. 125 spent.
- Get 1,500 EDGE reward points on Rs. 30,000 spent in a statement cycle.
American Express SmartEarn™ Credit Card
This card is a good credit card for grocery shopping and the best one to have if you want to get benefits in the form of reward points. The card offers accelerated reward points on Amazon, Zomato, Flipkart, Blinkit etc. This gives versatility to the users for grocery shopping and they can save well on the whole since many platforms are available to them. With other benefits like gift vouchers on reaching milestone spends, welcome perks, and renewal fee waiver, etc., the card will benefit you well.
Key Features and Benefits
- Get 10x rewards for every Rs. 50 spent on Zomato, Ajio, Nykaa, Uber, Flipkart, Blinkit, and BookMyShow, up to a maximum of 500 points per month.
- Earn 5x rewards for every Rs. 50 spent on Amazon.
- Get a cashback of Rs. 500 as a welcome gift on eligible spends of Rs. 10,000 in the first 90 days of issuing the card.
- Earn vouchers worth Rs. 500 upon reaching spend milestones of Rs. 1.20 lakhs, Rs. 1.80 lakhs, and Rs. 2.40 lakhs respectively in a year.
- Get a waiver of renewal fee on achieving milestone spends of Rs. 40,000 and above in the previous year.
- Earn 1 reward point per Rs. 50 spent. Omitted groups are as follows:
- EMI conversions
- Fuel
- Cash transactions
- Utilities
- Insurance
- Earn 500 reward points on spending Rs. 2500 on Zomato.
- Earn 500 reward points on spending Rs. 2500 on BookMyShow, Flipkart, Uber, and other partners.
- Earn 250 reward points on spending Rs. 2500 in a month on Amazon.
- Get a 0% convenience fee on fuel purchases at HPCL for transactions less than Rs. 5,000.
How to Apply for Grocery Credit Cards at Wishfin?
Wishfin is a popular online platform to apply for credit cards and other financial products. You just need to fill in a few personal and professional details in the prescribed space before submitting your application. Wish experts would then contact you and forward your application to the concerned lender for an approval.
WhatsApp Application for Grocery Credit Cards – Yes, It’s There at Wishfin
Wishfin now gives you a unique credit card application experience via WhatsApp. Below are the steps which you need to take to apply for a card through WhatsApp.
- Visit the official website of Wishfin
- Go to Credit Cards
- Click on ‘Best Credit Cards’
- Choose ‘Apply with the Ease of WhatsApp Chat
- Enter the mobile number
- Click on ‘Continue with WhatsApp after ticking the checkbox allowing Wishfin and partner banks to contact you to explain products and services
- You will then automatically get added to a group with Wishfin being the other member
- You would be asked a few questions which you need to answer on the group
- And the process is completed
FREQUENTLY ASKED QUESTION
1. Do you have lifetime free credit cards for grocery shopping?
Yes, the Amazon Pay ICICI Credit Card can be availed without joining or annual fees. It is a lifetime free credit card.
2. What are grocery shopping offers given by credit cards?
Credit card grocery offers are given in the form of cashback, discounts, or reward points. When you use your card to shop for groceries, you can save on everyday essentials.
3. How much cashback does the Airtel Axis card provide on BigBasket?
The Airtel Axis card gives a cashback of 10%, up to Rs. 500 on BigBasket every month on grocery purchases.
4. Should I use a credit card at the grocery store?
If you are sure that you can manage your card responsibly, you can use big rewards using a credit card at the grocery store. Credit cards offer discounts, cashback, and other rewards enabling you to save on your purchases.
5. Does buying groceries with a credit card help in building credit?
Yes, using credit cards to buy groceries helps in building credit. But, you will have to pay your bills on time. Defaulting on payments will impact your credit score negatively.
