Best cards for grocery shopping in India

by financewhiz 2d ago 674 views 9 replies
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financewhiz OP
2d ago

Groceries are a major expense. Here's how to maximize rewards:

Online Grocery

BigBasket

  • Best card: ICICI Coral (5% off with promo)
  • Backup: Amazon Pay ICICI (2%)
  • Stack: BB wallet offers + card offer

    • Blinkit/Zepto/Instamart

  • Best card: Whatever gives base rewards (no special offers)
  • Strategy: Pay via Amazon Pay balance charged with Amazon Pay ICICI

    • Amazon Fresh

  • Best card: Amazon Pay ICICI (5% with Prime)
  • Simple and effective

    • Offline Grocery

    DMart

  • Cards accepted: All
  • Best strategy: Use highest cashback card
  • No specific offers

    • Reliance Fresh/Smart

  • Best card: SBI Cards (occasional 5% offers)
  • Check for JioMart link

    • Big Bazaar

  • Best card: Future Pay + HDFC combo
  • Usually has good offers

    • Monthly Strategy

    I average 4-5% back on groceries using this approach!
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    9 Comments

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    rewardhunter · 2d ago

    For Nature's Basket and other premium stores, Amex usually has good offers.

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    creditnewbie · 2d ago

    Don't sleep on CRED offers - they often have grocery vouchers as spin rewards.

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    D
    dealseeker · 2d ago

    I use Onecard for grocery - flat 5% on first 5 transactions monthly.

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    loungelover · 2d ago

    No specific offers for DMart Ready that I know of. Standard rewards apply.

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