If you frequently spend on Grocery , whether online or at local stores like Big Bazaar, DMart, Reliance Fresh, or online platforms like BigBasket, Blinkit, Amazon, or Flipkart – you should consider using a groceries-focused credit card to earn cashback, reward points, or discounts.
✅ Top Groceries Credit Cards in India (2025)
| Credit Card | Key Benefits | Annual Fee | Best For |
|---|---|---|---|
| HDFC Millennia Credit Card | 5% cashback on Amazon, Flipkart & groceries | ₹1,000 | Online grocery buyers |
| ICICI Amazon Pay Credit Card | 5% cashback on Amazon, valid on groceries | ₹0 (Lifetime Free) | Prime users on Amazon Pantry |
| Axis Bank Neo Credit Card | 5% off on BigBasket + Swiggy + Amazon | ₹250 | Young grocery buyers |
| SBI SimplyCLICK | 10X rewards on online grocery platforms | ₹499 | Flipkart, Grofers users |
| AU Small Finance LIT Card | Customizable – choose grocery category rewards | ₹0–₹299 monthly | Flexible users |
| Kotak Essentia Platinum | 10% savings on groceries (Spencers, Big Bazaar) | ₹749 | Offline grocery shoppers |
| Standard Chartered Smart Credit Card | 2% cashback on grocery & utility bills | ₹499 | Budget shoppers |
💰 Types of Rewards on Grocery Credit Cards
- 🛍 Cashback: Direct money back into your statement (best for savings).
- 🎁 Reward Points: Redeem for gift cards, gadgets, or vouchers.
- 📦 Discounts/Instant Offers: Grocery stores/brands offer direct discounts (BigBasket, Amazon Fresh, etc.).
🧾 Tips to Choose the Right Grocery Credit Card
- ✅ Choose lifetime free cards if you’re new to credit.
- 📱 Go for online cashback cards if you shop on BigBasket, Blinkit, Amazon Fresh.
- 🛒 Offline buyer? Then prefer cards offering POS grocery rewards like Kotak Essentia.
- 💡 Pick cards with waived annual fees if you spend more than a certain limit.
📌 Example: Grocery Spend Calculation
Suppose you spend ₹5,000/month on groceries on Amazon using ICICI Amazon Pay Card (Prime member):
- 5% Cashback = ₹250/month
- Annual Savings = ₹250 × 12 = ₹3,000
- Card Cost: ₹0
- Net Benefit: ₹3,000/year 🎉
📎 Related Credit Card Links
🧠 FAQs: Grocery Credit Cards
Q. Which credit card gives maximum grocery cashback?
➡️ ICICI Amazon Pay (Prime) & HDFC Millennia.
Q. Can I use grocery credit cards offline?
➡️ Yes, Kotak Essentia & AU LIT card support offline grocery purchases.
Q. Is annual fee worth it for these cards?
➡️ If you spend ₹4,000–₹5,000+ per month on groceries, then yes, totally worth it.
Q. What about utility bills & groceries together?
➡️ Try Standard Chartered Smart Card – 2% on both.
