Need Help Picking a Credit Card for Groceries and departmental store spends!

[VibhavBilgoji]

Hey everyone,

I'm on the hunt for a new credit card to use for my regular shopping trips to grocery stores and department stores. Ideally, I'd like a card that offers good cashback or rewards on these purchases, but without a high minimum spend requirement to qualify for those benefits.

Since I shop at a variety of stores, it would be great if the card is widely accepted at most department stores. Does anyone have any recommendations?

Here's what I'm looking for:

• Great rewards/cashback on groceries and department stores: Earning some money back on my everyday purchases would be a big plus.
• Low minimum transaction value for rewards: I don't want to have to worry about meeting a high spending threshold each month to qualify for cashback or rewards.
• Widely accepted at department stores: The flexibility to use the card at most major department stores is important.

Any advice from the credit card gurus out there would be greatly appreciated! Thanks in advance!

 

[Gaara]

Never knew that some cards followed vastu.

Hihi, I think I never used that so it's showing me 20%
after first usage they might reduce mine to 12%

 

[VibhavBilgoji]

Axis Select + Axis Privilege

I don't see how they will be useful for offline grocery spends

Anyways the fees are too much and I don't trust axis that much anymore

 

[Pissant]

I don't see how they will be useful for offline grocery spends

Anyways the fees are too much and I don't trust axis that much anymore

4% on groceries

 

[JAM]

SBI Prime fits your requirement if you consider 2.5% to be great.
You will even get a free pizza every quarter.

 

[RTR01]

Cashback % Depends on Location.

At my Location it is 12% upto 500 .

Depends on limit and usage. My limit is 40k and the cashback is always 12%. My Father's limit is above 1L and his cashback is 20% and after usage it drops to 14 then to 12. Don't use the card for some time it again goes to 20%.

 

[HumorSimpson]

Depends on limit and usage. My limit is 40k and the cashback is always 12%. My Father's limit is above 1L and his cashback is 20% and after usage it drops to 14 then to 12. Don't use the card for some time it again goes to 20%.

Is this a cc or girlfriend playing hardball.

 

[Gkcards]

Any card offering cash back/extra points on Star quik grocery app?

 

[JAM]

Any card offering cash back/extra points on Star quik grocery app?

they use department/grocery mcc afaik I get cashback from sbi prime for that

 

[TCxBlade]

Can anyone please help me to find which credit card is best for offline purchase mainly like :- Grocery from local vendors.

 

[MARUMUGANAINAR]

IDFC power cards give 2.5% and 5% on groceries and utilities.
but is departmental stores included in it?
is there a way to find out?

Included but only upto Rs.2000

 

[purushotham]

Can anyone please help me to find which credit card is best for offline purchase mainly like :- Grocery from local vendors.

Fir grocery from Reliance Smart store or Smart point stores

You can try HDFC pixel Play
5% cashback

 

[sugavanesh]

Can anyone please help me to find which credit card is best for offline purchase mainly like :- Grocery from local vendors.

HSBC Live + hands down. Majority of the local vendors/supermarkets use grocery mcc (atleast here in my pincode) which gives 10% flat cashback upto 1000per month.

 

[purushotham]

HSBC Live + hands down. Majority of the local vendors/supermarkets use grocery mcc (atleast here in my pincode) which gives 10% flat cashback upto 1000per month.

Does it cover
Smart Point/Store
More

 

[manideep77]

SBI Prime fits your requirement if you consider 2.5% to be great.
You will even get a free pizza every quarter.

SBI Prime is a good card for Grocery and dining. Still using father's card and getting quarterly Pizza hut vouchers

 

[sugavanesh]

Does it cover
Smart Point/Store
More

Yes and yes. 10% confirmed.