Grocery Shopping? Here Are 5 Credit Cards That Can Help You Save Big On Bills

For many opting for a credit card could be a way to save on their flight tickets, and enjoy reward points for travel bookings, shopping. But credit card rewards and cash points are not limited for luxury spendings, but also offer opportunities to save big on routine expenditures like on grocery shopping.

Many credit cards provide significant benefits on grocery purchases, especially from supermarkets and stores.

Top 5 Credit Cards For Grocery Shopping

While the primary cause of owning a credit card could be the availability of easy cash, but its wise usage can help people in saving money on their regular purchases. Here are top 5 credit cards in India, which provide lucrative offers, cashbacks and reward points on grocery shopping, according to Paisabazar.

Swiggy HDFC Bank Credit Card

People would have to pay a joining fee of Rs 500 and an annual fee of Rs 500 to continue getting the benefit of the Swiggy HDFC Bank Credit Card. The card offers upto 10% cashback on not just food orders from Swiggy, but also on transactions for Instamart, Dineout and Genie.

Cardholders can earn a 1% cashback on various purchases, with the potential to accumulate up to Rs. 3,500 in cashback each month. This benefit allows users to enjoy savings on their everyday expenses.

Upon activating the card, users receive a complimentary three-month Swiggy One Membership valued at Rs. 1,199. This membership provides additional perks and discounts on food delivery services, enhancing the overall value of the card. The renewal fee for the card is waived if annual spending reaches Rs. 2 lakh. This offers an incentive for users to maximise their spending through the card to avoid additional costs.

HSBC Live+ Credit Card

The card offers 10% cashback on all kinds of purchases related to grocery shopping, dining and food delivery. Its joining fee is RS 999.
Cardholders can enjoy four free visits to domestic airport lounges annually. This benefit allows travellers to relax and unwind in comfort before their flights, enhancing their travel experience.

For those who spend Rs. 20,000 within the first month of receiving their card, a cashback of Rs. 1,000 is available. This offer provides an immediate reward for new cardholders, making it an attractive incentive. The Live+ Dining Programme offers up to 15% discounts at selected partner restaurants. This perk allows cardholders to indulge in dining experiences while enjoying significant savings on their bills.

Reliance SBI Card PRIME

The card comes with a joiningh fee of Rs 2999 and an annual renewal fee of Rs 2999. The card users can earn 10 reward points per Rs 100 spent on Reliance Retail stores. Moreover, they can earn 5 reward points for every Rs. 100 spent on dining, movies, entertainment, domestic flights, and international purchases. For other retail expenses, you receive 2 reward points per Rs. 100 spent. Each reward point is equivalent to Rs. 0.25 when redeemed for Reliance Retail vouchers.

Customers can enjoy Reliance Retail vouchers worth up to Rs. 8,750 by spending up to Rs. 3 lakh annually at specific Reliance Retail outlets. This offers significant savings for regular shoppers at these stores.

Axis Bank SELECT Credit Card

The card, according to PB, is most suitable for purchases made via BigBasket. However, it comes with a joining fee of Rs 3,000 and an annual or renewal fee of rs 3,000. The credit card offers lucrative discounts on movie ticket purchases, orders on Swiggy, and multiple airport lounge benefits.

Shoppers earn 20 EDGE reward points for every Rs. 200 spent on retail purchases, including grocery stores. For other expenditures, customers receive 10 EDGE reward points per Rs. 200 spent, allowing them to accumulate rewards quickly.
Frequent travellers benefit from two complimentary domestic lounge visits each quarter, provided they spend Rs. 50,000 in the preceding three months. This perk enhances the travel experience by offering comfort and convenience at airports.

Tata Neu Infinity HDFC Bank Credit Card

The credit card comes with a joining fee of Rs 1,499 and an annual fee of Rs 1,499 and is suitable for grocery purchases from retail stores, especially Tata Group Brands. Cardholders can earn 5% back as NeuCoins when shopping with Tata brands like BigBasket for groceries or using the Tata Neu App. Additionally, purchases across non-Tata brands also yield a 5% return in NeuCoins. This benefit extends to merchant EMI spends and eligible UPI transactions on the Rupay variant.