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Get the Best Credit Card Deals on Grocery Shopping


Unlike expensive purchases, groceries and daily essentials require to be within budget each month. The first step to building a healthy financial habit is to track your monthly expenses and use a credit card for grocery shopping.


The best way to purchase daily consumable items is by finding a credit card that can allow you to save more. Step one, understand how you can benefit from such credit cards, and next, learn how to find the best credit card for grocery shopping.

Reasons for Choosing a Credit Card to Buy Your Daily Essentials

Everyone is well aware that a credit card can provide some incredible EMI options. This can allow you to be stress-free while making large purchases, but using a credit card for daily essentials will help you enjoy considerable savings. Here are the reasons why you should consider using a credit card for grocery shopping:


Convenience

Even if you have a personal vehicle, buying groceries and queuing up for billing can be stressful. Handling cash in this scenario is not a good option; instead, opting for a credit card can make the process seamless. Buy, tap your credit card and leave the store.


Reward Points

Using a credit card for grocery shopping can help you earn reward points which you can use for future purchases. Using your debit card or paying with cash will not give you any added benefits, however, swiping a credit card has many perks.


Cashback

Apart from reward points, you can also get cashback on your credit card usage. Cashback can help in increasing your savings.


Budget Management

Another reason you must consider a credit card for buying groceries is to keep your budget intact. Managing groceries within your overall financial plan can help you save for the future and maintain a balanced budget.


Emergency Fund

A credit card can especially prove to be useful when you are in a cash crunch. If you find it hard to survive through the latter half of the month, then considering a credit card is a great option. Even if you have bought all the essentials for a month, you still can run out of cash for other expenses; this is when a credit card can come to your rescue.




7 Credit Cards for Grocery Shopping You Can Consider

Here are some popular recommendations for 7 credit cards along with their perks and fees. The following list will help you make an informed choice as you choose your credit card:


Credit Card Name

Best For

Fees

Amazon Pay ICICI Credit Card

Exclusive discounts on shopping on Amazon India

Joining Fee: NIL

Renewal Fee: NIL

American Express SmartEarn Credit Card

Exclusive offers on Amazon, Flipkart, Uber, BookMyShow, Zomato and more

Joining Fee: ₹495 + Taxes

[No joining fee will be applied if you qualify for ₹40,000 credit limit]

Renewal Fee: ₹495 + Taxes

Axis Rewards Credit Card

10X reward points on transactions in departmental stores

Joining Fee: ₹1000 + GST

Renewal Fee: ₹1,000 [If your yearly spend is above ₹2,00,000, the annual fee will be waived]

Bajaj Finserv RBL Bank Binge SuperCard

12X reward points on online transactions

Joining Fee: NIL

Renewal Fee: ₹1000 + GST [If you spend over ₹1,00,000 within a year, the annual fee will be waived]

Flipkart Axis Bank Credit Card

5% cashback on Flipkart and Cleartrip

Joining Fee: ₹500

Renewal Fee: NIL, ₹500 

[If your yearly spend is above ₹3,50,000, the annual fee will be waived]

HDFC Bank Solitaire Credit Card

Spend ₹150 and get 3 reward points

Get an additional 50% reward points on grocery shopping and dining

Joining Fee: 500 + GST 

Spend ₹10,000 within the first 90 days, and no joining fee will be applied]

Renewal Fee: ₹500 + GST [Spend ₹50,000 in a year and your next year's annual membership fee will be waived]

One Credit Card

Get 5X reward points on your top two spending categories each month

Exclusive discounts when shopping at Zepto, DMart, Blinkit, More, Star Bazaar, Reliance SMART and more

Joining Fee: NIL

Renewal Fee: NIL

How to Pick the Best Credit Card for Grocery Shopping?

To assist you with your choice, here’s a list of features you must look for while picking your credit card for grocery shopping:

Zero to nominal joining and annual fees

Low interest rates

Exclusive discounts from merchants you shop from 

Flexible reward redemption options

A variety of additional perks


Start by finding a credit card that has a powerful app like the One Credit Card, which will help you track your spending and set budget limit for different categories. It will also send you notifications when you are about to exceed your budget.


With this app, you can also spot the best deals around you with the help of GPS. Starting from groceries and medicine to rent and utility bills, this app will help you sort out your essential payments with ease. You can also earn 5X reward points on your top two spending categories. Apply now to get all the perks it has to offer.

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