Top 3 Credit Cards To Save BIG On Your Credit Card Shopping

From online shopping to luxury indulgences, monthly expenses are unavoidable, but one cost silently consumes a major portion of our income, ie grocery shopping. With inflation steadily pushing up prices, household essentials often strain our budgets more than we realize, making it crucial to find smarter ways to manage this recurring expense.

Smart use of credit cards and pre-planning of grocery expenses can help us save big on the monthly grocery shopping. Many credit card providers offer special credit cards which offer exclusive discounts, cashbacks and reward points on grocery item purchases.

Top 5 Credit Cards For Grocery Shopping

Here is the full list of top 5 credit cards people can consider for grocery shopping and purchasing the items.

Reliance SBI Card PRIME

The Reliance SBI Card PRIME comes with a joining fee of Rs 2,999 and an annual renewal fee. Users earn 10 reward points per Rs 100 spent at Reliance Retail stores and five points for dining, movies, entertainment, domestic flights, and international purchases. You can also get two reward points on every Rs 100 spent on retail expenses.

Every point is equivalent to Rs 0.25 when redeemed for Reliance Retail vouchers. Additionally, customers can enjoy vouchers worth up to Rs 8,750 by spending a minimum amount of Rs 3 lakh every year at specific Reliance outlets.

Axis Bank SELECT Credit Card

The Axis Bank SELECT Credit Card is ideal for BigBasket purchases but comes with a joining fee of Rs 3,000 and an annual renewal fee of the same amount. It offers discounts on movie tickets and Swiggy orders along with multiple airport lounge benefits.

Shoppers earn 20 EDGE reward points per Rs 200 spent on retail purchases like groceries. Credit card rewards are not only limited to grocery expenditures but can also be earned on other expenses related to travel booking, hotel booking etc. The credit card offers the benefit of two complimentary domestic lounge visits each quarter if they spend around Rs 50,000 in the preceding three months.

Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card has a joining fee of Rs 1,499 and an annual fee of the same amount. It's suitable for grocery purchases from Tata Group Brands' retail stores. Cardholders earn back five percent as NeuCoins when shopping with Tata brands like BigBasket or using the Tata Neu App.

These exclusive credit cards benefits are also offered on merchant EMI spends and the credit card holders are also eligible for UPI transactions on the RuPay variant. Card holders can earn five percent returns in NeuCoins on shopping across non-tata brands.

The credit card is beneficial for earning return on everyday expenses related to grocery, fuel, shopping, etc. Additionally, card holders will enjoy perks like airport lounge access and even dinning discounts.