Best Grocery Credit Cards in India 2019

There are different credit cards in the market that offer rewards for both in-person and online grocery shopping. Some cards are better depending on how much you spend, while others are better based on where you live and shop. We've reviewed the best grocery credit cards out there to let you pick the right one for your consumer profile.

Best Grocery Credit Cards
CashbackSC Manhattan5% back on supermarkets, 0.48% on other spend
Runner-UpKotak Essentia10% back on groceries (select city restrictions)
No Annual FeeIndusInd Pioneer1% cashback weekday spend, 2% on weekends
SecuredBOB Prime1% cashback, Rs. 15,000 minimum deposit
Online DeliverySBI Card PRIME3.75% on BigBasket & select Reliance brands, 5% utilities
AmazonSBI SimplyCLICK2.5% on Amazon, Foodpanda, Cleartrip, BookMyShow & more
Tata Star ShoppersTata Star TitaniumRs. 499 fee (possible waiver), Rs. 1,000 welcome gift, 6.5% Star
Tata Star PlatinumRs. 2,999 fee, Rs. 3,500 welcome gift, 6.5% back on Star

Best Cashback Card for Groceries: Standard Chartered Manhattan Platinum Card

Consider this if you spend at least Rs. 1,000 on each grocery store visit

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 2,000 BookMyShow voucher

With the Standard Chartered Manhattan Platinum Card, you can earn excellent cashback on your grocery spend no matter where you live. Moviegoers will love the Rs. 2,000 BookMyShow welcome gift voucher, but the bulk of the card's value is its excellent rupee value back of 5% on supermarket (and department store) spend, as long as you clear Rs. 1,000 per transaction and are mindful of the Rs. 150 cashback max per transaction (capped at Rs. 500 per month). On all other spend, you'll earn an average 0.48% rupee value back via 3 points per Rs. 150 spent (100 points = 53 JPMiles = ~Rs 24). As long as you can meet the spend constraints, this could be the most valuable card for you for groceries cashback.

  • Annual Fee: Rs. 999
  • Reward Earn Rate: 5% cashback on supermarket & department store spend (Rs. 1,000 min transaction, max Rs. 150 cashback per transaction, max Rs. 500 cashback per month); 3 points/Rs. 150 spent on other spend
  • Estimated Point Value: 100 points = 53 JPMiles = ~Rs. 24
  • Perks: SC Good Life Program (dining, shopping and travel discounts)
  • Annual Fee: Rs. 999
  • Reward Earn Rate: 5% cashback on supermarket & department store spend (Rs. 1,000 min transaction, max Rs. 150 cashback per transaction, max Rs. 500 cashback per month); 3 points/Rs. 150 spent on other spend
  • Estimated Point Value: 100 points = 53 JPMiles = ~Rs. 24
  • Perks: SC Good Life Program (dining, shopping and travel discounts)

Runner-Up: Kotak Essentia Platinum Card

Consider this if you spend at least Rs. 1,500 on groceries transactions

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Anniversary Bonus: Spend Rs. 125,000 every 6 months and get 1,200 points (worth Rs. 1,200) or 6 free PVR tickets

Kotak Mahindra's Essentia Platinum Card is the best pick to maximise your return on general grocery store (as well as department store) spend. You'll earn a top-of-market 10% value back (10 Saving Points per Rs. 100 spent; 1 point = Rs. 1), but you have to charge a minimum of Rs. 1,500 per transaction, and points are capped at 500 monthly across total grocery and department store spend.

For high spenders, the card's next biggest source of value comes from the 1,200 points you earn on spend of Rs. 125,000 every 6 months. This anniversary bonus could assist in offsetting the 500 point monthly cap you may hit on grocery + department spend. The credit card earns below average 0.40% rupee value back on other categories, so get this card primarily for the grocery (and shopping) rewards.

  • Eligible Locations: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (incl. Gurgaon & Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai & Pune
  • Join Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 Saving Points/Rs. 100 spent at grocery & department stores (transactions Rs. 1,500-4,000. 500 max monthly points on combined categories). 1 point/Rs. 250 spent otherwise
  • Point Value: 1 Saving Point = Rs. 1
  • Eligible locations: Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (incl. Gurgaon & Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai & Pune
  • Join Fee: Rs. 1,499
  • Annual Fee: Rs. 749
  • Reward Earn Rate: 10 Saving Points/Rs. 100 spent at grocery & department stores (transactions Rs. 1,500–4,000. 500 max monthly points on combined categories). 1 point/Rs. 250 spent otherwise
  • Point Value: 1 Saving Point = Rs. 1

Best No-Annual Fee Credit Card for Groceries: IndusInd Bank Pioneer Legacy Credit Card

Consider this if you want the flexibility of cashback as your credit card reward

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Oberi Hotel or Genesis Luxury vouchers
  • Anniversary Bonus: 6,000 points on Rs. 600,000+ spend within one year from card issuance

IndusInd's Pioneer Legacy is the best no-annual fee credit card on the market for grocery spend that earns cashback. You'll earn great 1% rupee value back on all weekday spend (1 point per Rs. 100 spent) including groceries, and double that on weekend spend, which is the best offering from cards that charge no annual fee. Plain and simple, if you want a no-fee card for grocery and other general spend that earns cashback, look no further than the IndusInd Pioneer Legacy Credit Card.

  • Reward Earn Rate: 1 point/Rs. 100 spent on weekdays, 2 points/Rs. 100 spent on weekends (max 20,000 points/month)
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary international & domestic lounge access via Priority Pass; Rs. 100,000 lost bag insurance, delayed bag, loss of passport, lost ticket, missed connection coverages
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4000
  • Reward Earn Rate: 1 point/Rs. 100 spent on weekdays, 2 points/Rs. 100 spent on weekends (max 20,000 points/month)
  • Point Value: 1 point = Rs. 1 cashback
  • Perks: Complimentary international & domestic lounge access via Priority Pass; Rs. 100,000 lost bag insurance, delayed bag, loss of passport, lost ticket, missed connection coverages
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4000

Best Credit Card Against Fixed Deposit for Groceries: BOB Financial Prime Credit Card

Consider this if you have poor credit or limited credit history

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The BOB Financial Prime Card will give you the best cashback value among credit cards against fixed deposit, meant for individuals with nonexistent, limited or poor credit history. It requires a Rs. 15,000 fixed deposit, which is the lowest of cards against fixed deposit, but there are no annual fees charged. The credit card will provide 1% rupee value back (4 points per Rs. 100 spent, 4 points = Rs. 1) on general spend including groceries, which is one of the best rates among secured cards. In all, BOB's Prime Card will give you good return on your grocery store spend while you need a secured credit card.

  • Minimum Fixed Deposit: Rs. 15,000
  • No Fees
  • Reward Earn Rate: 4 Reward Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month
  • Minimum Fixed Deposit: Rs. 15,000
  • No Fees
  • Reward Earn Rate: 4 Rewards Points per Rs. 100 spent
  • Point Value: 4 Reward Points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 250 waived per month

Best Grocery Credit Card for Online Delivery: SBI Card PRIME

Consider this if you shop online for groceries on BigBasket

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 3,000 vouchers from any of Yatra, Bata/Hush Puppies, Marks & Spencer, Pantaloons or Shoppers Stop
  • Anniversary Bonus: Rs. 7,000 voucher from Yatra or Pantaloons on annual spend of Rs. 500,000

The SBI Card PRIME is the most valuable credit card in the market for online grocery shopping. First, the card has a great Rs. 3,000 welcome gift. On top of this, you'll earn great 3.75% rupee value back (15 points per Rs. 100 spent, 4 points = Rs. 1 cashback) on online groceries from BigBasket. You'll also earn this rate from select Reliance brands, including grocery, footwear and shopping stores. Further, if you pay your utility bills with your credit card, you'll get top-of-market 5% rupee value back (20 points per Rs. 100 spent). General dining, groceries, department store and movie spend will earn a very good 2.50% back (10 points per Rs. 100 spent), and all other retail spend will net you middle-of-the-road 0.50% value back (2 points per Rs. 100).

On the perks side, the PRIME entitles you to 4 free international and 8 free domestic airport lounge visits per year. You'll also get great golf benefits, discounts on certain hotel bookings, car rentals (up to 35%), and luxury airport transfer (15%), as well as 25% extra miles on Kaligo bookings. This credit card is a great pick for online grocery shoppers with many other extra benefits.

  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 visits/yr int'l lounges (8 domestic); 4 green fees/yr, 1 golf lesson/month; certain hotel booking discounts; 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 visits/yr int'l lounges (8 domestic); 4 green fees/yr, 1 golf lesson/month; certain hotel booking discounts; 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)

Best Credit Card for Amazon & Online Shopping: SimplyCLICK SBI Card

Consider this if you also value online shopping and restaurant delivery

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Welcome Gift: Rs. 500 Amazon.in gift card
  • Anniversary Bonus: Rs. 2,000 Cleartrip voucher each on annual online spend of Rs. 100,000 and Rs. 200,000
  • Promo: Rs. 100 cashback on first movie ticket with BookMyShow & 40% off UrbanClap for first time users - valid till March 31, 2019

The SBI SimplyCLICK Card is the best online grocery shopping card if you use Amazon, and also provides great travel, dining, entertainment and other shopping rewards. The card will net you great 2.50% rupee value back (10 points/Rs. 100 spent; 4 points = Rs. 1) on Amazon (groceries & shopping), Cleartrip (travel), Foodpanda (dining) and BookMyShow (movies), and on Lenskart and UrbanClap.

The card's 1.25% rupee value back on other online spend is good, but all other purchases will earn you a below average 0.25% value back. The Rs. 500 Amazon welcome gift is nice, but the Cleartrip anniversary bonuses will be difficult to obtain unless you're a very high online spender. So, go for this credit card if you want great value back on Amazon grocery delivery, as well as on travel, restaurant orders, movies and other online shopping.

  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spends
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)
  • Annual Fee: Rs. 499 (after first year waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 10 points/Rs. 100 on Amazon, Cleartrip, Foodpanda, BookMyShow, Lenskart, UrbanClap; 5 points/Rs. 100 on other online spend; 1 point/Rs. 100 on all other spends
  • Point Value: 4 points = Rs. 1
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max waived Rs. 100/month)

Best for Tata Star Shoppers

Depending on your spending level, you could pick one of two credit cards to maximise your spending at Star & other Tata companies

Best for Most Consumers: Tata Star Titanium Credit Card

Consider this if you spend less than Rs. 200,000 on your card each year

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 1,000 TATA STAR Voucher

Tata's Star Titanium is an excellent credit card for grocery rewards, especially if you shop at Star stores. It comes with a great Rs. 1,000 Star voucher as a welcome gift, but the bulk of the card's value comes from general spend. It earns excellent 3% rupee value back (3 points per Rs. 100 spent) on grocery (and department store) spend, with an additional 3.5% back at Star outlets. Points are redeemable 1-to-1 for Tata company vouchers, so make sure you spend enough on Tata products each year to make this card worth it.

You'll earn great 1% rupee value back (1 point per Rs. 100 spent) on other retail spend, and you'll get up to 5% value back at select other Tata outlets. Last, if you spend at least Rs. 100,000 on the card each year, doable for many consumers, your Rs. 499 annual fee will be waived. This could be the grocery card for you if you're a Tata shopper.

  • Annual Fee: Rs. 499 (waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 3 points/Rs. 100 spent on grocery & department stores; 1 point/Rs. 100 on other retail spend; 3.5% value back at STAR, up to 5% value back at select other TATA outlets
  • Point Value: 1 point = Rs. 1 TATA companies vouchers
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max Rs. 100/month)
  • Annual Fee: Rs. 499 (waived on annual spend of Rs. 100,000)
  • Reward Earn Rate: 3 points/Rs. 100 spent on grocery & department stores; 1 point/Rs. 100 on other retail spend; 3.5% value back at STAR, up to 5% value back at select other TATA outlets
  • Point Value: 1 point = Rs. 1 TATA companies vouchers
  • Fuel Surcharge Waiver: Transactions Rs. 500-3,000 (max Rs. 100/month)

Best for High Spenders: Tata Star Platinum Credit Card

Consider this if you spend at least Rs. 200,000 on your card each year

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 3,500 TATA STAR voucher
  • Anniversary Bonus: Rs. 3,000 STAR voucher each on Rs. 2, 4 and 5 lakhs annual spend

Tata's Star Platinum is an excellent grocery rewards card geared more toward high spenders. The annual fee is on the higher end (Rs. 2,999), but the card comes with a nice welcome gift (Rs. 3,500 Star voucher) and anniversary bonuses (up to Rs. 9,000 in vouchers, with at least Rs. 3,000 in vouchers if you spend Rs. 200,000 annually). You'll earn excellent 3% value back (3 points per Rs. 100 spent) on grocery (as well as department store) spend, plus 3.5% extra value back at Star.

Select other Tata outlets will earn you up to 5% rupee value back, and the card gives great value back on other retail spend of 1%, too. Last, you'll receive a nice perk of 8 free domestic airport lounge visits per year via the MasterCard program. High spenders who shop for groceries at Star should strongly consider this card.

  • Annual Fee: Rs. 2,999
  • Reward Earn Rate: 3 points/Rs. 100 spent on department & grocery stores, dining and overseas transactions; 1 points/Rs. 100 on other retail spend; up to 5% value back select TATA outlets
  • Point Value: 1 point = Rs. 1 TATA companies vouchers
  • Perks: 8 free visits/year (max 2/quarter) to domestic MasterCard lounges. 23 lounges across 9 cities
  • Fuel Surcharge Waiver: Transaction Rs. 500 – 4,000 (max Rs. 250 waived/month)
  • Annual Fee: Rs. 2,999
  • Reward Earn Rate: 3 points/Rs. 100 spent on department & grocery stores, dining and overseas transactions; 1 points/Rs. 100 on other retail spend; up to 5% value back select TATA outlets
  • Point Value: 1 point = Rs. 1 TATA companies vouchers
  • Perks: 8 free visits/year (max 2/quarter) to domestic MasterCard lounges. 23 lounges across 9 cities
  • Fuel Surcharge Waiver: Transaction Rs. 500 – 4,000 (max Rs. 250 waived/month)
Dan Grossman

Dan is a Senior Research Analyst at ValueChampion India, focusing on credit cards. He holds a B.S. in Mathematics & Economics from the University of Michigan, and previously worked in the financial services industry at Capital One and Moelis & Company.