Credit Cards That Reward Your Grocery Purchases

The best credit card for grocery shopping will help you save on your expenses with exciting deals. Whether you make grocery purchases from online platforms like Blinkit or Amazon Fresh or visit your nearest stores, such as DMart or More, you can enjoy a wide range of perks. Some of these include:

• Cashback
• Discounts
• Reward points

Select a card that aligns with your shopping habits. Since features vary depending on the specific card you have and the credit card company, checking this beforehand can be a better way to proceed. 

Using a Credit Card for Grocery Shopping

Apart from convenience, here are some other benefits that cards provide:

• Gain Points: You can earn reward points when you buy daily essentials and redeem them for:

• Gift vouchers

• Statement credit 

• Discounts on future shopping 

Check the caps and minimum spending requirements to make the most of this benefit.

• Save More: Enjoy special deals from selected merchants. These offers can help you get more bang for the buck!

• Be In The Know: You may often spend a lot on groceries without realising it. A card’s statement helps you check what you’ve spent. This helps you manage your budget effectively. By reviewing statements, you can identify spending trends. This way, you make more informed financial decisions.

• Boost Safety: Using a card is safer than carrying cash. If you lose it, simply notify the credit card company. Many cards offer fraud detection services to alert you of any suspicious activity. They also give you zero liability cover. 

• Build a Credit History: By using a card responsibly and paying off your dues by the deadline, you can increase your creditworthiness. With good management, you can strengthen your ability to borrow affordably in the future. 

Top Grocery Cards 

Here are some great options that can consider:  

Credit Card Name	Joining & Annual Fees	Features
HDFC Swiggy Credit Card	₹500	10% cashback on Swiggy orders (₹1,500 cap/month) 5% cashback on online shopping (₹1,500 cap/month) Free Swiggy One membership for 3 months
Reliance SBI Credit Card	₹499	5 reward points per ₹100 spent at Reliance Retail stores ₹500 voucher of Reliance Retail on annual spends of ₹25,000
Axis Bank Select Credit Card	₹3,000	₹500 off per month on a minimum purchase of ₹3,000 on BigBasket (once per month) Flat ₹200 off on Swiggy website and mobile app (twice per month)
OneCard Credit Card	NIL	Flat 2% valueback on purchases from OneEssential, DMart, More and Star Bazaar

How to Shop Smart for Groceries 

No matter whether you have a nuclear or joint family, groceries are a recurring monthly expense. With the right card, you can turn this monthly spend into an opportunity to maximise benefits. Check out how you can proceed with a credit card. 

Choose The Card With Care	Start by selecting a card that offers rewards on everyday grocery purchases at outlets where you regularly shop from The right card can help you get more value for your money
Look for Deals	Check for exclusive offers or discounts at grocery stores linked to your card Staying informed about these promotions helps you save more during your grocery runs
Leverage Bonus Rewards Offers	Watch out for limited-time promotions where you can earn extra points or cashback on grocery purchases Time your larger grocery trips to maximise these rewards
Use Cashback and Points Strategically	Redeem your cashback and points in ways that bring the most value Some cards offer better deals for gift cards or travel. Others allow you to use them directly at checkout
Keep Track of Your Spending	Stick to a budget and monitor your grocery expenses Using expense trackers or alerts can help you avoid overspending  This way, you can stay within your budget.
Pay Your Balance on Time	Ensure you pay off your card’s balance in full each month This avoids interest charges, ensuring that your rewards aren’t diminished It also helps you maintain a strong credit score.
Opt for a No-Fee Credit Card	Consider using a card with no annual fee if you frequently use it for grocery shopping This helps you maximise rewards without worrying about offsetting a yearly fee

Some of the top issuers provide credit cards with features that can help you save on your shopping expenses, such as groceries. One of them you can consider is the One Credit Card. With 5X rewards on your top two spending categories, it is one of the best credit cards for grocery shopping.

This lifetime-free credit card enhances your financial management. The One Credit Card app lets you view all your transactions and even spending limits for each category. Download the app or visit the website to apply now!