Daily shopping and grocery expenses are a significant part of monthly spending. Using the right credit card can help you save money and earn rewards on every purchase. Standard Chartered Bank provides credit cards that give maximum cashback on shopping and grocery bills, making your everyday spending more rewarding.
This guide explains the best Standard Chartered credit cards for shopping and groceries, their benefits, joining fees, and tips to maximize cashback.
Why Cashback on Shopping and Groceries Matters
- Reduce Monthly Expenses: Cashback lowers the actual cost of your purchases.
- Earn Reward Points: Many cards convert spending into points, redeemable for shopping vouchers or statement credit.
- Lifestyle Benefits: Cashback cards often include discounts on dining, movies, and online shopping.
- Track Spending Efficiently: Using a credit card helps monitor expenses while earning rewards.
By choosing the right card, daily purchases become more valuable.
Top Standard Chartered Credit Cards for Shopping and Groceries
- Joining/Annual Fee: ₹499 per year
- Cashback: Earn up to 5% cashback on supermarket and grocery store purchases.
- Reward Points: Additional points on online shopping and retail spending.
- Other Benefits: EMI options for large purchases, dining discounts, and movie offers.
- Who Should Use: Regular shoppers who want cashback on groceries and online shopping.
- Joining/Annual Fee: ₹500 per year
- Cashback: Up to 5% cashback on grocery and departmental store spending.
- Reward Points: Extra points on online purchases and everyday shopping.
- Lifestyle Benefits: Discounts on dining, travel, and entertainment.
- Who Should Use: People looking for a balanced card with cashback and lifestyle rewards.
- Joining/Annual Fee: ₹399 per year
- Cashback: Cashback on groceries, shopping, and utility payments.
- Reward Points: Earn points on all transactions including online spending.
- Additional Benefits: Movie ticket offers, dining discounts, and seasonal promotions.
- Who Should Use: Budget-conscious individuals who want basic cashback on daily expenses.
How to Maximize Cashback Benefits
- Use Your Card for All Grocery and Shopping Payments: This ensures consistent cashback and reward points.
- Redeem Reward Points Regularly: Convert points into vouchers, statement credit, or shopping rewards.
- Check Monthly Offers: Standard Chartered often provides bonus cashback on online shopping or supermarket purchases.
- Combine with Promotions: Take advantage of seasonal or festival offers for extra savings.
- Pay Bills on Time: Avoid interest charges to ensure maximum benefit from cashback and rewards.
By following these steps, your daily spending can generate savings and rewards effortlessly.
Comparison of Standard Chartered Credit Cards for Shopping and Groceries
This table helps choose the card that fits your shopping habits and budget.
Other Benefits of Standard Chartered Credit Cards
- Reward Points on Daily Spending: Points on groceries, dining, utilities, and online shopping.
- Dining and Lifestyle Offers: Discounts on movies, restaurants, and online subscriptions.
- Travel Perks: Some cards provide travel benefits like airport lounge access and flight discounts.
- Easy EMI Options: Convert large purchases into monthly payments.
- Special Promotions: Seasonal or festival offers provide additional cashback and rewards.
Conclusion
Using Standard Chartered Bank credit cards for shopping and groceries is a simple way to save money and earn rewards. By selecting the right card and using it smartly, you can enjoy:
- Maximum cashback on groceries and retail spending.
- Reward points that can be redeemed for vouchers or statement credit.
- Lifestyle perks, dining offers, and shopping discounts.
With the right Standard Chartered card, everyday shopping becomes a way to earn rewards and save money.