which credit card is best for local supermarkets,departmental stores,grocery stores

What’s your monthly expenditure for groceries/stores?

The best is Kotak Essentia. Flat 10% cashback upto Rs 500 per month. Assuming you spend Rs 5000 per month on groceries and milk.

Joining Fee: Rs 1749. Profit after fees is Rs 4250 for Year 1.
Renewal Fee: Rs 999. Profit after fees is Rs. 5000.

Please share me any card which gives this much profit for spending Rs 5000 per month on groceries.

@nimod
local shops-around 6-7k in a month, around 2-3k in d-mart,and if there are any offers in other store,then i will go there. remaining in kirana store,which is near to my home
edit:
if i don’t have time to go to d-mart or other stores,then i will buy in kirana store(accepts cash only) only.that’s why looking for less annual spends and good/decent cash back credit card

@mihir2812711
thank q.i will check.
edit:
wow 10% cash back.superb.
but i think there is no waive off on annual fee
and minimum purchase rs.1500-rs.4000 max.
i am looking for, no rule like min and max purchase

thank you.will i get 10% back when i groceries in dmart?and how to use these points?

thank you.when i am trying to apply for kotak card,getting message,due to covid 19,not accepting.i will check in local branch

AMEX MRCC 3.5%+any wallet offer% (card cost=free )

SBI tata titanium 3% (card cost=free)

i beleive credit card should be essentially be free even if less rewrding % or their fees be balanced by the welcome reward otherwise it they will cost you much , as they always update their terms and condition and max. min game
with free credit card you have nothign to loose

how Amex 3.5% ?

SBI Simply save card give you 10 points for groceries which is equivalent to rs.2.5 for every 100 u spend
annual fees 500 and spend based waiver is also there

Skip to content
American Express
The following navigation element is controlled via arrow keys followed by tab

American Express SmartEarn™ Credit Card
APPLY NOW
American Express® Platinum CardAmerican Express® Platinum Travel Credit CardAmerican Express Membership Rewards® Credit CardAmerican Express® Gold CardAmerican Express® Platinum ReserveSM Credit CardJet Airways American Express® Platinum Credit CardAmerican Express PAYBACK® Credit Card
Next

View all Cards
American Express SmartEarn™ Credit Card
Rs. 500 cashback as Welcome Gift in form of statement credit on eligible spends1 of Rs. 10,000 in the first 90 days of Cardmembership
Apply Now
Compare Card
Card Type
Credit Card
Annual fee
Annual Fee of Rs. 495 plus applicable taxes
Reward Earn Rate
Earn 10X Membership Rewards® Points2 on all your spending on Flipkart and Uber and earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more.
Fee Waiver
Get a renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Cardmembership
Key Benefits
ACCELERATED EARN RATE
Earn 10X Membership Rewards® Points2 on your spending on Flipkart and Uber and earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more.
WELCOME BONUS
Rs. 500 cashback as Welcome Gift on eligible spends1 of Rs. 10,000 in the first 90 days of Cardmembership
RENEWAL FEE WAIVER
Get a renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Cardmembership
AMERICAN EXPRESS EMI
Convert purchases into EMI at the point of sale with an interest rate as low as 12% p.a. and zero foreclosure charges
Rewards Programme
10X Membership Rewards
Transact on Flipkart & Uber and get 10X rewards for every Rs. 50 spent2
5X Membership Rewards
Transact on Amazon, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar and many more and get 5X rewards for every Rs.50 spent2
Earn 1 Membership Rewards Point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale4.
Did you know you can earn up to 1,250 Membership Rewards points on the SmartEarn Credit Card every month by spending only INR 7,500?
So now, spend more and enjoy accelerated benefits with your American Express SmartEarn Credit Card
On Spending INR 2500 in a month on our 10X Partner (Flipkart), you will earn 500 Membership Rewards points
On Spending INR 2500 in a month on our 10X Partner (Uber), you will earn 500 Membership Rewards points
On Spending INR 2500 in a month on our 5X Partner, you will earn 250 Membership Rewards points
Offers and Privileges
Enjoy convenience, exclusive benefits, assistance at any hour and much more. Your American Express SmartEarnTM Credit Card brings a host of special privileges, only for you.
Enjoy freedom and convenience
Enjoy the flexibility and convenience to pay your Credit Card bill, fully or partially. You can also convert your spends into easy monthly instalments with the American Express EMI
Fuel Convenience Fee Waiver
Services on your Card
24X7 Card Related Assistance
Dispute Resolution
Zero Lost Card Liability5
Emergency Card Replacement
One Supplementary American Express SmartEarnTM Credit Card at no additional cost
Contactless Payment
Your American Express Card may be enabled for contactless payments. To see if your Card is contactless, look for the contactless symbol network on the front and back of your Card.
Eligibility
To save time before you apply for your Card, it’s best to make sure you can say yes to the following:
I/We confirm that I / supplementary card applicant/s is a Resident Indian as defined under the Income Tax Act of India and hereby declare that I/We will notify American Express Banking Corp. if there is a change in the residential status.
I understand American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat & Vadodra subject to conditions.
I am Employed and have a Personal Annual Income of INR 4.5 lakhs and above or Self Employed with a Personal Annual Income of INR 6 lakhs and above.
I have an Indian or multinational bank’s savings or current account in India
I have a current / permanent residential address in India
I am over 18 years of age
I have a good credit history and no payment defaults
If self-employed: My company has been trading for more than 12 months
Most Important Terms & Conditions
Ready to Apply
Get cashback of Rs. 500 as a Welcome Gift on spending Rs. 10,0001 in the first 90 days of Cardmembership
Apply Now
Footnotes
1.Eligible spends do not include cash advances, express cash transactions, drafts made from the Account, balance transfers and fees. Statement Credit will be given within 10 working days of completion of eligible spends.

2. For example, for a spend of Rs. 50 on an eligible merchant the Cardmember will get 10 Membership Rewards Points (if merchant is under 10X category) and 5 Membership Rewards Points (if merchant is under 5X category). Under 10X category, 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Flipkart and 10X Membership Rewards Points will be capped at 500 Points per month per Card Account for Uber. Under 5X category, 5X Membership Rewards Points will be capped at 250 Points per month per Card Account for all the merchants put together. Please note that eligible merchant partners may change from time to time. To view the complete list of merchant partners, please visit amex.co/seccrewards. 10X category means Cardmember earns 9 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 45 additional Membership Rewards Points. 5X category means Cardmember earns 4 Membership Rewards Points on every Rs. 50 spent at participating merchant(s) over and above the regular Membership Rewards Points earn rate applicable on the Card Account. For example, an eligible spend of Rs. 250 will get the Cardmember 5 regular Membership Rewards Points and 20 additional Membership Rewards Points.

3. Eligible spends do not include cash advances, express cash transactions, drafts made from the account, balance transfers and fees.

4. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations. Telecommunications includes providers of landline phones, mobile phones, internet services, cable and other pay TV services, and calling cards.
Effective February 1, 2020, you would not earn Membership Rewards® points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you would continue to earn Membership Rewards® points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.

5. Cardmember liability is nil if American Express receives the report within 3 working days of the fraud. If the fraud is reported beyond 3 working days then the maximum liability of the customer will be limited to Rs. 1,000. For further details, please refer MITC.
Other cards you may be interested in
American Express® Gold Card
Welcome Gift1 of 4,000 Bonus Membership Rewards® Points
First Year Fee: Rs. 1,000 plus applicable taxes (Second Year onwards Rs. 4,500 plus applicable taxes)
Apply Now
Learn More
American Express® Platinum Travel Credit Card
Welcome Gift of 5,000 Milestone Bonus Membership Rewards Points redeemable for Travel Vouchers worth Rs. 3,500
First Year Fee: Rs. 3,500 plus applicable taxes (Second Year onwards: Rs. 5,000 plus applicable taxes)
Apply Now
Learn More
American Express® Platinum ReserveSM Credit Card
Get a Welcome Gift of 11,000 Bonus Membership Rewards Points.
First Year Fee: Rs. 5,000 plus applicable taxes (Second Year onwards: Rs. 10,000 plus applicable taxes)
Apply Now
Learn More
TOP LINKS
View Personal Cards
Dispute a Transaction
Most Important Terms and Conditions
Schedule of Fees and Charges
Global Travel Card
Gift Card
BUSINESS LINKS
Start Accepting our Cards
View Corporate Cards
Vendor Payments
Corporate Travel
Merchant Know Your Customer (KYC)
Corporate Know Your Customer (KYC)
COMPANY INFORMATION
Vision and Mission Statement
Customer Service Committee
Complaints
Contact Us
Careers
COVID-19 FAQs
POLICY AND REGULATION
Notice Board
Financial Disclosure
Our Codes and Policies
Know Your Customer (KYC)
Do Not Call Registry
Card Fraud
American Express
IndiaChange Country
Website Rules and RegulationsTrademarksPrivacy CentreSitemap
Copyright © 2020 American Express Company | American Express Banking Corp.

https://www.americanexpress.com/in/credit-cards...

https://www.sbicard.com/en/personal/credit-card...

check SBI+ MORE co -branded card which offers 10 timex rewards points.
others offer 5 times.

i used Elite card for Rs 50k and get 5000 points worth Rs 1250 , which is 2.5%
converted the same in 9 months flexipay with zero processing fee, intt. @ 13% reducing EMI, no GST.

Scb Manhattan 5% cashback on groceries

sbi simply save or tata star spends 100k and scb manhattan 120k,amex mrcc 150k(i think,i’m not eligible to apply)-very high for me.
looking for cards,annual spends around 30-50k(annual fee waive off).so that i can reach.with decent/good cash back.
and one more question…
from the last so many days,i’m searching for which stores comes under which category?
for offline-d mart,more megastore/supermarket,big bazaar,reliance fresh/smart
for online-big basket/daily,grofers,jiomart,amazon pantry/fresh,flipkart supermart
until now i haven’t get answers.if anyones bank statement clearly showing these categories,then please reply.based on your replies,i want to apply for a credit card.
because some cards showing grocery&departmental stores and some cards showing grocery,and some showing supermarkets,and some showing only departmental stores.i don’t understand to which card,i have to apply
thank you

@Alpha.Barood
thank you so much.searched and read about this card.found 250 cap.any way,i think it’s good for me.i will contact cc regarding this

Normally ₹4500+18%gst
If referred in offer.. ₹1500+18%gst

Spend ₹1.5L per year for full waiver
Spend ₹90K per year for half waiver

@demerius2020
thank you

1.i think i am not eligible for amex mrcc card
2.i can’t reach/spend rs.90k(50% fee+gst via referral also too much for me to pay)
3.in details,mentioned earn 1,000 bonus membership rewards points for simply using your card 4 times on transactions of 1k and above every month ,which means after 4k,for every rs.50,i will get 1 point (i think it’s 25 paisa 0.5%),didn’t find 3.5%
any way in that website found another card(smartearn) i think it’s better for me.clearly mentioned local stores and online stores list(10x and 5x)
i will contact cc regarding this
correct me,if i’m wrong.thank you

@wackophant
thank you.if mrcc is ltf,then good(i think i can’t get),i have to contact cc regarding smartearn and in another thread one of the dimers said 10* and 5* rewards as statement credit.after reading i thought if it’s automatic every month statement credit,then it’s good(like axis flipkart).anyway yet to know more details about this smartearn card
https://www.desidime.com/discussions/amex-smart...

@demerius2020
thank you so much.and one more question
you mean these bounus points 1000 on 1k 4 transactions for first yr only? from next yr only regular rewards points(rs.50=1 rp)?
or every yr?

i don’t know what you are saying.after thinking(my earnings&spends) and seeing your calculations(percentage),feeling like this mrcc card is not correct for me.and thank you so much for helping me and hope your reply helps other new dimers too
for 3040 points=152k omg

you are talking about 2k points,i think those points will come after application approval only.and in details clearly mentioned eligibility for 600k or more annual income.for below 300k income,why take risk and negative impact on cibil score.that’s why i said i have to contact cc regarding smartearn too(annual income 450k or above)

Can anyone confirm practical examples of grocery, dining, movies and departmental stores based on your ‘real’ experience (not copy-paste from TnC) for SBI Simply Save Card ?

1) Offline Medicine Shop (Apollo Pharmacy/1med/medplus/other) gets 10x rewards in ‘department stores’ category ?
2) Online Medicine Sites (1mg/Netmeds/PharmEasy/Apollo 24×7) gets 10x rewards in ‘department stores’ category ?
3) Malls (BigBazar/Reliance Fresh/More/Spencers) gets 10x rewards in ‘grocery’ category ?
4) Swiggy/Zomato/Dineout/Dominos eligible for 10x reward points in ‘dining’ category ?
5) Offline Cloth stores / Kirana stores falls under which category ?
6) BookMyShow (BMS) eligible for 10x reward points in ‘movies’ category ?
7) Yatra/MMT/ClearTrip how much reward point they give for Simply Save, any idea ?

Any other spends, not mentioned above, which give 10x accelerated reward points based on your experience for Simply Save card ?

-

Anyone please help how to spend 1500*4 transaction online for Amex MRCC card to get 1000 points,unable to add money in paytm wallet through Zomato/uber/Swiggy/Bounce.