We have to buy Groceries every month and that's actually a needs. Yoy can buy less or more depends on how many members are there in a family. And that's why people usually try to find the cheapest and good option for groceries. Like they usually go for DMart where you get good things in less prices.
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But wouldn't it be good when you receive cashback for your groceries. This is where optimization in some cards helps you. For example, I sometimes get 20% cashback for my groceries. Like, from 1 to 7 of every month BigBasket from Tata Neu gives some discount. Mostly you will get 100 Coins csshback for Rs 1K groceries and Rs 200 Couns cashback for Rs 2K or more groceries. Which is around 10% or less depends on how much you are buying.
Now when you have a Tata Neu Infinity Ceedit Card, you usually get 10% cashback when you buy using the Tata Neu app. So basically someone buying groceries for Rs 2K, they will get Rs 400 back and that is pure 20% back. The neu coins which you will earn is 1 coin = Rs 1 which you can use for groceries again.
Now at the same time, if you have a HSBC Live+ credit card you can earn upto 25% cashback. 10% from Tata Neu 1 to 7th date, 5% is you are using the Tata Neu even if you don't have Tata neu Infinity credit card and if you are actively buying from Big Basket. And the 10% from HSBC Live+ for buying groceries. So effectively you will get 25% back. 25% you will only get when you buy the groceries for Rs 2K. If you are buying for more, the percentage might decrease. Even though if you are getting above 20% cashback it's a great thing. And that's the reason people should get the Credit Card, for these discounts.
