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

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Deal Lieutenant
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hello everyone,please help

looking for best credit card for local supermarkets,departmental stores,grocery stores. with good/decent cash back, waive off joining and annual fees,less annual spends,specially for groceries in d-mart,more mega store/supermarket,big bazaar,reliance fresh/smart

i found citi bank rewards card with 30 k annual spends is good,but when i’m checking details,found 10 x rewards points on purchases at departmental or any apparel store
so i am confused, will i get 10 x rewards points on grocery purchases at above stores?(if you are using this card,then please tell me)

and another one is sbi simply save credit card,but annual spends 100 k,which is very high for me.
in details,mentioned, Enjoy 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends.

in previous posts,fellow dimers suggested
sbi tata starbazar card 3.5% points value back
standard chartered manhattan platinum credit card

which one is better?

42 Comments  |  
14 Dimers
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What’s your monthly expenditure for groceries/stores?

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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.

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@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

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@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

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sravz86 wrote:

@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

I also adapted to this rule. You have to plan and purchase.

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sravz86 wrote:

@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

Change your rule. Combine your shopping lists.
Make calculations for entire year.
Deduce the annual fee.
What do you see?
For your kind of expense, 6-7k/month, I’ll recommend kotak essentia only.

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

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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

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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

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how Amex 3.5% ?

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demerius2020 wrote:

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

can you please explain how can I get the best out of mrcc

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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

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Tjs15 wrote:

can you please explain how can I get the best out of mrcc

month start
reachare 4X1000 into paytm
enjoy bonus

there double reward feature also

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demerius2020 wrote:

month start
reachare 4X1000 into paytm
enjoy bonus

there double reward feature also

So for 4k spending. ill get 1k points which is equivalent to 40p per point. But what about normal spendings?

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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
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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.
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Get a renewal fee waiver on eligible spends3 of Rs.40,000 and above in the previous year of Cardmembership
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Earn 10X Membership Rewards® Points2 on your spending on Flipkart and Uber and earn 5X Membership Rewards Points2 on Amazon, Swiggy, BookMyShow and more.
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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.
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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.

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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.

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Scb Manhattan 5% cashback on groceries

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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

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@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

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sravz86 wrote:

@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

Keep in mind that for flipkart supermart grocery platform min order value needs to be 1200 for free delivery. For amazon pantry it is 799 & for amazon fresh it is 600.

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demerius2020 wrote:

month start
reachare 4X1000 into paytm
enjoy bonus

there double reward feature also

4×1000 txns in calendar month or billing month for 1000pts?

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nimod wrote:

4×1000 txns in calendar month or billing month for 1000pts?

billing month ofcourse

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nimod wrote:

4×1000 txns in calendar month or billing month for 1000pts?

It is in a calendar month.

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sravz86 wrote:

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

try for amex MRCC or else take tata

for tata cost is low and for first year fees you get eq tata voucher , even if you spend 16000+ in a year you have dereived the cost of card and anything more is your return

standerd charter dont have good redeption option and read its fine print for many terms and considiotn . i avoided it cause it look too shabby and not clear

all the offline store you menntion definetely comes under grocery (may confirm from desidime users)

for online it depend on what come printed on your bill and it differ from region to region in india , still as peruser dimers users exp. amazon pantry/fresh at least come under grocery so will be pure grocery online store ,

for the online store which sell other item too then grocery it will be better to shoot mail to customer care of card

for amex MRCC you dont have to worry what is grocery or not they give uniform 3.5% on all including grocery/wallet /online/offline

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demerius2020 wrote:

try for amex MRCC or else take tata

for tata cost is low and for first year fees you get eq tata voucher , even if you spend 16000+ in a year you have dereived the cost of card and anything more is your return

standerd charter dont have good redeption option and read its fine print for many terms and considiotn . i avoided it cause it look too shabby and not clear

What is annual fee gor mrcc, any spend based waiver

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insta wrote:

What is annual fee gor mrcc, any spend based waiver

amex MRCC annual fee for first year =free if you apply through web promotion offer link https://www.cardexpe...n/

from secodn year onward it will be free if you spend 1.5L in preceding year (why not just trasnfer to paytm or some wallet ).. else there is some chart depending on your spend

at least enjoy free first year

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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

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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

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