Best credit card for grocery shopping with no annual fee
Rohit Saxena
Asked 27 Feb 2026
Looking for a zero-annual-fee credit card that gives solid value on online shopping. My spends are around ₹1,00,000/month.
2 Answers
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
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