Top Credit Cards for Groceries & Daily Spending in India – 2025
Supermarket runs and monthly bills? Earn rewards while doing it!
From milk to mobile bills, your daily life runs on frequent purchases—and your credit card should keep up. This list of the best credit cards for grocery and daily spending in India will help you earn while you spend, and save more each month.
Top Credit Cards for Groceries & Daily Essentials
1. IDFC FIRST Power Credit Card
- Annual Fee: ₹500
- Fuel, grocery & utility cashback
- ₹500 welcome bonus + BOGO offers
- Great for recurring daily payments
2. SBI SimplySAVE Credit Card
- Annual Fee: ₹499 (waived on ₹1L spend)
- 10X reward points on groceries, dining, movies
- 1% fuel surcharge waiver
- Perfect for household spends
3. AU LIT Credit Card
- Annual Fee: ₹0
- Customize perks: grocery, fuel, OTT, dining
- Up to 10X rewards depending on selected features
- Good for versatile monthly budgets
Comparison Table
| Card | Annual Fee | Top Benefits | Best For |
|---|---|---|---|
| IDFC Power | ₹500 | Grocery + fuel cashback, EMI, bonus offers | Households & salaried |
| SBI SimplySAVE | ₹499 | 10X rewards, waiver on ₹1L spend | Regular supermarket spenders |
| AU LIT | ₹0 | Customizable features, 10X rewards | Budget-optimized users |
Why Use a Credit Card for Grocery & Utility Purchases?
- Monthly rewards on recurring expenses
- Free up cash flow with 30-45 day interest-free period
- Track spending with mobile apps
- Access to EMI conversion, fuel cashback, and exclusive offers
Eligibility Criteria
- Age: Minimum 18 years
- Indian resident with valid PAN + Aadhaar
- Income: ₹15,000/month or above
FAQs – Grocery & Daily Spend Credit Cards
Which card gives the best cashback on groceries?
The IDFC Power Credit Card and SBI SimplySAVE both offer high reward rates on groceries and utilities.
Is there a zero annual fee card for daily use?
Yes, the AU LIT Credit Card is lifetime free and lets you choose features based on your daily spending habits.
Can I use these cards for EMI on large spends?
Yes, most cards allow EMI conversion on bills over ₹2,500, perfect for monthly grocery loads or appliances.
Will I get fuel cashback too?
Yes! Cards like IDFC Power and AU LIT offer fuel surcharge waivers or cashback depending on the pack selected.
Still unsure? Explore more guides on CreditPlanner.in.
