In This article I will Talk About cover the Best Credit Card Rewards for Groceries to assist you in choosing the best rewarding options for your regular shopping.
The right credit card can change your grocery purchases from simple expenses to juicy savings, whether it is cashback, reward points, or exclusive deals from partners.
Let’s delve into the featured picks that will add value to every grocery shopping experience.
Key Points & Best Credit Card Rewards For Groceries List
| Credit Card | Key Points |
|---|---|
| HDFC Bank Regalia | Premium lifestyle card offering rewards on travel, dining, and more. Exclusive lounge access. |
| SBI SimplyCLICK | Great for online shopping, offering extra rewards on popular e-commerce platforms. Low annual fee. |
| ICICI Amazon Pay Credit Card | Best for Amazon shoppers, earning cashback on Amazon purchases and more with no annual fee. |
| Axis Bank ACE Credit Card | Focuses on cashback for online and offline spends, with great rewards on bills, groceries, and more. |
| American Express Gold Card | Earn points on dining, travel, and entertainment, with premium benefits like access to exclusive events. |
| Citibank Cashback Credit Card | Simple cashback on all purchases, with a focus on everyday spending, including groceries and bills. |
| Standard Chartered Manhattan Card | Premium card offering rewards on groceries, dining, and retail shopping. Exclusive lifestyle benefits. |
| Kotak Royale Signature Card | High rewards on groceries, dining, and travel, along with lounge access and concierge services. |
| Yes Prosperity Edge Card | Tailored for urban professionals, offering rewards on dining, groceries, and utility bills. |
| IndusInd Platinum Aura Card | Focus on premium services, offering rewards on dining, travel, and groceries with exclusive benefits. |
10 Best Credit Card Rewards For Groceries In 2025
1.HDFC Bank Regalia
The HDFC Bank Regalia credit card is one of the best everyday purchases grocery credit cards because it has outstanding rewards for grocery shopping.
Each cardholder is rewarded with 4 points per ₹150 token spent on groceries, and such points are redeemable for cash, several products, or even airline miles.
Further, the card offers benefits such as premium concierge services, discounts from partner stores, and even lounge access at airports.
With premium dining, shopping, and travel privileges, Regalia by HDFC Bank is perfect for customers looking to spend less on groceries while enjoying added luxury benefits.
| Feature | Details |
|---|---|
| Reward Points | Earn up to 4 reward points per ₹150 spent on groceries. |
| Welcome Benefits | Complimentary membership to premium programs. |
| Annual Fee | ₹2,500 (waived on annual spending of ₹3 lakhs). |
| Cashback | Not applicable for grocery-specific purchases. |
| Additional Benefits | Access to airport lounges and travel privileges. |
| Foreign Transaction Fee | Competitive rates for international transactions. |
| Eligibility Criteria | Minimum income of ₹1 lakh per month for salaried individuals. |
2.SBI SimplyCLICK
The SBI SimplyCLICK Credit Card earns high rewards for online grocery shopping with select partners. Cardholders earn 10X Reward Points with partners like Apollo 24×7 and Netmeds which translates to a reward value of approximately two-and-a-half percent.
Users earn 5X Reward Points for other online grocery purchases too which translates to 1.25% in reward value.
The points can be redeemed for Cleartrip or Yatra e-vouchers further enhancing the value of grocery spends. The card also offers a welcome Amazon gift voucher and the annual fee is reversed on spending ₹1 lakh.
| Feature | Details |
|---|---|
| Reward Points | 10x reward points on partner websites, including grocery platforms. |
| Welcome Benefits | ₹500 Amazon e-Gift Voucher on joining. |
| Annual Fee | ₹499 (waived on annual spending of ₹1 lakh). |
| Cashback | Not applicable; points can be redeemed instead. |
| Additional Benefits | 1% fuel surcharge waiver on transactions between ₹500-₹3,000. |
| Eligibility Criteria | Minimum income of ₹20,000 per month for salaried individuals. |
3.ICICI Amazon Pay Credit Card
The top-rated credit card for grocery shoppers, especially those who shop online is the Amazon Pay ICICI Bank Credit Card. Prime members get 5% cashback and non-Prime members get 3% cashback on grocery purchases from Amazon.in.
In addition, users receive 2% cashback when they shop with more than 100 Amazon Pay partner merchants including major grocery store partners such as BigBasket.
All remaining spends receive 1% cashback and the rewards do not expire and are automatically credited as amazon pay balance. This card is free for life with no joining fees or annual fees which means significant savings on grocery shopping and more for users.
| Feature | Details |
|---|---|
| Reward Points | 5% cashback on grocery purchases for Amazon Prime members, 3% for non-Prime members. |
| Welcome Benefits | ₹750 Amazon Pay Gift Card on joining. |
| Annual Fee | ₹499 (waived on annual spending of ₹1.5 lakhs). |
| Cashback | Direct cashback credited to Amazon Pay balance. |
| Additional Benefits | No expiry for cashback earned; wide redemption options. |
| Eligibility Criteria | Minimum monthly income of ₹25,000. |
4.Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card is one of the best grocery credit cards in India as it provides great cashback benefits. Card users earns 5 percent cashback on payment of utility bills and mobile/DTH recharges done via Google Pay, and 4 percent on Swiggy, Zomato, and Ola transactions.
With this card, customers also earn 1.5 percent cashback on other non capped spend like grocery purchases. This cashback is incentively granted in form of deduction in your statement, making the rewards redemption painless.
Other benefits include 4 complimentary domestic airport lounge visits per year and a 1 percent fuel surcharge waiver. The annual fee is ₹499 which is waiber with spending of 2 lakh in a year and considering these factors the ACE Credit Card offers great value for daily spend.
| Feature | Details |
|---|---|
| Reward Points | 2% cashback on grocery and other offline spends. |
| Welcome Benefits | No joining fee; easy activation. |
| Annual Fee | ₹499 (waived on annual spending of ₹2 lakhs). |
| Cashback | Cashback credited directly to the card account. |
| Additional Benefits | 5% cashback on bill payments through Google Pay. |
| Eligibility Criteria | Minimum monthly income of ₹25,000. |
5.American Express Gold Card
For grocery shopping, the American Express® Gold Card creates a valuable incentive for members in India. Gold Cardholders garner 1 Membership Rewards Point for every ₹50 spent on groceries and various other items.
Additionally, earning six transactions of ₹1,000 or more within a month qualifies the user for a bonus of 1,000 Membership Rewards Points. This can be redeemed for several rewards, including popular retail vouchers.
The card offers a welcome bonus of 4,000 Membership Rewards Points too, which is given on spending ₹10,000 within the first 90 days.
Amex Gold Card is especially worthwhile for grocery shopping because of its comprehensive reward system, premium features, and a nominal annual fee of ₹1,000 in the first year.
| Feature | Details |
|---|---|
| Reward Points | Earn 3 reward points for every ₹100 spent at grocery stores. |
| Welcome Benefits | Complimentary membership to premium dining programs. |
| Annual Fee | ₹4,500 (waived based on high annual spending). |
| Cashback | Rewards points convertible to statement credits. |
| Additional Benefits | Access to airport lounges and travel perks. |
| Eligibility Criteria | High-income requirement; check with issuer for specific thresholds. |
6.Citibank Cashback Credit Card
Due to its practical benefits for grocery shopping, the Citibank Cashback Credit Card is one of the easier cashback credit cards out there. As grocery shopping is a common household expense, they allow you to earn 2% cashback, which enhances savings on routnie expenses.
Furthermore, this card also offers 5% cashback on utility bill payments and movie ticket bookings, and 0.5% cashback on all other expenditure.
The cashback, as mentioned earlier, will be credited into the user’s statement automatically—the rewards process cannot get more simplified than this.
Citibank also offers a welcome offer of ₹250 cashback upon spending ₹2,500 within the first 30 days, which makes this card ideal for those looking to make regular grocery-related savings. Additionally, the card comes at an annual fee of ₹500, which is waived upon spending ₹30,000 in a year.
| Feature | Details |
|---|---|
| Reward Points | Not applicable; cashback provided directly instead. |
| Cashback | 5% cashback on groceries, movie tickets, and utility bills. |
| Welcome Benefits | None specific for grocery purchases. |
| Annual Fee | ₹500 (waived on annual spending of ₹50,000). |
| Additional Benefits | Instant cashback on eligible transactions credited to the card account. |
| Eligibility Criteria | Minimum income requirement varies based on location. |
7.Standard Chartered Manhattan Card
Grocery shoppers with cashback preferences will find the Standard Chartered Manhattan Platinum Credit Card of special interest because it offers 5% cashback for supermarket purchases.
These include More, Reliance Fresh, Big Bazaar, and Food Bazaar stores. To earn the cashback, each transaction has to be at least 1,000, with cashback limited to 150 for each transaction and 500 per month.
In addition, cardholders earn 3 reward points per 150 spent on other categories, which can be redeemed through the bank’s rewards portal.
The card attracts a joining fee of 499 and an annual fee of 999, which is waived upon spending 1.2 lakh in a year. New users are also eligible for a welcome offer of 5,000 reward points, which is credited on payment of the fee.
This card is ideal for those who want easy cash rewards for their spending, along with additional benefits through reward points.
| Feature | Details |
|---|---|
| Reward Points | Not applicable; benefits provided as cashback instead. |
| Cashback | 5% cashback on grocery transactions at partner supermarkets. |
| Welcome Benefits | ₹500 cashback on the first transaction within 90 days of issuance. |
| Annual Fee | ₹999 (waived on annual spending of ₹1.2 lakhs). |
| Additional Benefits | 1% fuel surcharge waiver on transactions between ₹500-₹3,000. |
| Eligibility Criteria | Minimum monthly income of ₹30,000. |
8.Kotak Royale Signature Card
The Kotak Royale Signature provides a rewarding experience for grocery purchasers. They earn 2 Reward Points per ₹150 spent on groceries, which roughly equals a reward rate of 0.25%. These points can be redeemed for a multitude of options, including shopping and mobile vouchers.
Moreover, the card allows earning 4 Reward Points per ₹150 on dine out, travel, and their international spend.
Even though the card allows complimentary domestic lounge access and milestone rewards of up to 30 thousand bonus points per year, the rewards for grocery spending are much lower compared to other benefits.
This card is ideal for individuals looking for a blend of travel and dining perks as well as everyday rewards, especially since the annual fee is 999 Rupees, which is waived after spending a lakh in a year.
| Feature | Details |
|---|---|
| Reward Points | Earn 5 reward points for every ₹150 spent on grocery transactions. |
| Welcome Benefits | Complimentary movie tickets on activation. |
| Annual Fee | ₹999 (waived on annual spending of ₹1 lakh). |
| Cashback | Not applicable; benefits come as reward points. |
| Additional Benefits | Accelerated rewards on dining and travel spends. |
| Eligibility Criteria | Minimum monthly income of ₹30,000. |
9.Yes Prosperity Edge Card
The YES Prosperity Edge Credit Card is a good option for shoppers who want to take advantage of great rewards. Cardholders earn 8 Reward Points for every ₹200 spent on groceries, dining out, and shopping at supermarkets and departmental stores, yielding a high ROI on mounting household expenditures.
The points earned can also be redeemed for travel bookings, gift vouchers, and merchandise, thus providing up to a redemption value of ₹0.25 per point.
Another bonus includes complimentary domestic lounge access once in every quarter and a 1% fuel surcharge waiver on transacting between ₹400 and ₹5,000.
The card has a joining fee of ￥399 which is waived on spending 15,000 within 90 days and ₹399 as annual fee, which is only charged if the user has not spent 75,000 the previous year. Also, the card provides high grocery spending reward rate. Thus, the YES Prosperity Edge Credit Card is beneficial for routine savings.
| Feature | Details |
|---|---|
| Reward Points | Earn up to 8 reward points for every ₹200 spent on groceries. |
| Welcome Benefits | 1,000 reward points on activation. |
| Annual Fee | ₹1,199 (waived on annual spending of ₹75,000). |
| Cashback | Not applicable; rewards provided through points. |
| Additional Benefits | Accelerated rewards on dining and entertainment spends. |
| Eligibility Criteria | Minimum monthly income of ₹25,000. |
10.IndusInd Platinum Aura Card
The IndusInd Bank Platinum Aura Credit Card comes with its very own Home Plan which rewards grocery shoppers more than other customers. Under the Home Plan, cardholders earn 4 Reward Points per ₹100 spent on groceries and supermarket purchases, which can be redeemed at a value of 0.50 INR to yield a 2% return.
Moreover, the card provides 1.5 Reward Points per ₹100 on Medical expenses while allowing 2.5 Reward Points per ₹100 on cellphone and Electricity bill payments.
The IndusInd Indus Moments portal allows cardholders to redeem their Reward Points for statement credits, merchandise, or miles with participating airlines.
Furthermore, with a 1% fuel surcharge waiver on any transaction between ₹400 and ₹4,000, and free lounge access, this card is designed for people who love to earn from spending on mundane everyday activities.
| Feature | Details |
|---|---|
| Reward Points | Earn reward points on grocery spends, categorized as per chosen spending plan. |
| Welcome Benefits | Complimentary shopping vouchers on joining. |
| Annual Fee | ₹899 (waived based on high annual spending). |
| Cashback | Not applicable; rewards are provided through points. |
| Additional Benefits | Exclusive discounts on dining and lifestyle purchases. |
| Eligibility Criteria | Minimum monthly income of ₹25,000. |
Conclusion
To sum up, selecting the best credit card for grocery shopping can maximize your savings. Whether you want cashback, reward points, or partner specifics, there is something for everyone.
The best credit card for groceries ranges from premium offerings to no-fee cards. It all depends on your spending habits and preferences—transforming mundane expenses into valuable rewards.
