Friends, how much do you spend on groceries and food each month? Order from Swiggy, go to a restaurant, or buy groceries from a local store – all of it costs money. But having the right credit card and getting 5-10% cashback is so beneficial!
I checked out the latest offers for 2025, and these are the top cards that are best for groceries and dining. Simple: spend more, get more back. Let’s take a closer look at which card is right for you!
Swiggy HDFC Bank Credit Card: Absolutely Perfect for Swiggy Lovers
If you order food from Swiggy or groceries from Instamart every week, this card will become your best friend. You get 10% cashback on Swiggy, Instamart, Dineout, and Genie – up to a maximum of ₹1,500/month. And 5% back on online shopping like Amazon or Myntra.
Joining fee is ₹500, which is waived after spending ₹2 lakh. Plus, you can get a free Swiggy One membership for 3 months and Times Prime. This card is especially for those who spend a lot on online food and groceries – saving on every order!
HSBC Live+ Credit Card: Unlimited 10% Back on Grocery and Dining
Brothers, this card is simple and powerful – 10% cashback on groceries, dining, and food delivery (max ₹1,000/billing cycle). 1.5% unlimited cashback on all other spends! Annual fee ₹999, but waived after spending ₹2 lakh.
No brand restrictions, so you can use it anywhere – BigBasket, local shops, or restaurants. Cashback is also available on EMIs. If you spend ₹5,000-10,000 monthly on groceries and food, this card will return ₹500-1,000 every month. Absolutely hassle-free!
SBI Cashback Credit Card: The Boss of Online Shopping and Grocery
If you use online groceries or dining apps a lot, this SBI card offers 5% cashback on online spends (max ₹5,000/month). 1% back on offline groceries. Annual fee ₹999, which is free on spending ₹2 lakh. Plus, buy-one-get-one free on movies every month.
This card is an all-rounder – great not only for groceries, but also for those shopping on Amazon or Flipkart. This card is becoming quite popular in 2025 because cashback is credited directly to your statement, eliminating the need for redemption.
Axis Bank ACE Credit Card: Extra Benefits on UPI and Grocery
Paying for groceries using UPI? This card offers 5% cashback on UPI apps like Google Pay (max ₹500/month), and 4% on online spends like BigBasket or Swiggy. Dining also offers 1.5% back. Joining fee ₹499, and a lifetime free option is also available.
With RuPay UPI integration in 2025, this card becomes even more powerful – saving on every UPI transaction. If you live cashless and order groceries online, this card will keep your pockets tight.
HDFC MoneyBack+ Credit Card: 5% on Grocery and Extra Perks
This card offers 5% cashback on groceries (on platforms like Flipkart and Amazon) and 2.5% back on dining. 1% on other spends. Annual fee ₹500, waived after spending ₹50,000. Plus, fuel surcharge waiver and quarterly vouchers.
Extra points are earned at Reliance or Tata stores. If you visit local hypermarkets or fill online grocery carts, this card will reduce your monthly spending by 5-7%. Simple and reliable choice!
Pros and Cons
Pros:
• 5-10% cashback on groceries and dining can reduce monthly expenses by 20-30% It’s possible.
• Most cards’ fees are waived with simple spends.
• AI features like auto-tracking and easy redemption are set to become standard by 2025.
• UPI integration makes cashless payments easier.
Cons:
• Some cards are brand-specific, like Swiggy’s – if you use Zomato, the benefits are reduced.
• The maximum cap (₹1,000-5,000/month) may limit heavy spenders.
• An annual fee applies initially, but you have to spend to be waived.
• Cashback isn’t available everywhere in offline stores.
Conclusion
By 2025, you can easily save ₹1,000-2,000 per month for groceries and dining with cards like Swiggy, HDFC, or HSBC Live+. Consider your spending pattern – more online for SBI or Axis, less offline for HDFC.
Check eligibility with the bank before applying (CIBIL score 750+ is required). Is your current card offering this benefit? Let us know in the comments, and if you want to get a new one, which one should you try?
