4 credit cards to save more on everyday expenses

Most credit cards promise flashy perks you’ll rarely use.

But if you want to save on groceries, food orders, online shopping and everyday essentials, without the fine print, this read is for you. 

We’ve picked 3 cards which offer upfront savings or simple rewards you can actually use on the same spends. 

Disclaimer: This isn’t a paid promotion. We’ve done our own research and are only sharing what we genuinely found useful.

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Tata Neu Infinity

This card is great if you don’t understand partner rewards, conversion or just want direct savings instead of benefits outside your everyday needs.

Eligibility

For Salaried Individuals: 

Net Monthly Income > Rs 1 Lakh

For Self Employed Individuals:

ITR > Rs 12 Lakhs per annum

Note: If you are not eligible for this card you can apply for Tata Neu Plus Credit card which gives similar benefits.

Rewards

• 5-10% Neu coins on shopping at partner stores online/offline 
• 1.5% Neu Coins on UPI spends using card  (up to ₹500)
• 2 Domestic Airport Lounge Access / Quarter (on spending above ₹50,000 in a quarter)
• 4 International Airport Lounge Access/Year   

*1 Neu coin = ₹ 1

Note: NeuPass gets activated 45 days after your card is issued. Until then, partner rewards will be credited at 5% instead of 10%.

Charges

• Joining/Renewal Membership Fee: ₹1,499/- + applicable Taxes
• Renewal Fee Waived off on annual spends above 3 Lakhs.

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Example

Krish was heading home with a bunch of expenses lined up, and the Neu Card helped him save on nearly all of them.

Here's how:

Krish saved 9.33% on his entire spend.

Note: Neu Coins can be used online and offline at Tata Neu and partner brands like 1MG, BigBasket, Croma, Taj Hotels, Westside and more (full list below).

The best part?

Most cards cap accelerated rewards at low spend limits, making it hard to save on big purchases. But with the Tata Neu Card, the caps at Tata partner brands are high enough to reward every rupee you spend.

Here’s the full list of spend limits eligible for 10% rewards:

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SBI Cashback Credit Card

If you spend under ₹1L online monthly, this card offers flat cashback, zero brand limits, ATM cash access.

Eligibility

There’s no minimum income requirement.

Rewards

• 5% Cashback on online spends without any merchant restriction
• 1% Cashback on offline spends

Note: The total cashback you can earn in a month is capped at ₹5,000, including both 5% and 1% categories.

Charges

• Joining Fee/Renewal Membership Fee: ₹999 + Taxes
• Renewal Fee waived off if annual spends for last year > ₹2,00,000.

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Example

Gaurish, a CA article from Bangalore, was looking to save more on his online expenses. To get the most out of his SBI Cashback Card, he used a smart trick, he bought brand vouchers on MaximizeMoney.com using the card. 

That way, he got the site’s discount plus 5% cashback from SBI.

Here’s how his monthly savings added up:

Note: MaximizeMoney offers discounts on 50+ brands like Zomato, Swiggy, Oberoi Hotels, Cleartrip, Amazon, and Flipkart but only three credit cards allow you to earn both the site discount and card cashback, with SBI Cashback Card being the best among them.

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HSBC Live+ Credit card

Though this card doesn’t stand out like the cards above, it is still one of the best cashback cards in the market. And combined with Maximise Money it definitely becomes worth it!

Eligibility

For Salaried Individuals: 

Net Monthly Income > 33,500 

For Self Employed Individuals:

Must own another credit card

Rewards

• 10% Cashback on online spends (up to 1000)
• 1.5% Cashback on online/offline spends (no limit)

Note: This card is also compatible with MaximizeMoney.

Charges

• Joining Fee/Renewal Membership Fee: ₹999 + Taxes
• Renewal Fee reversed if annual spends for last year > ₹2,00,000.

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Example

If Gaurish used HSBC live+ credit card for his monthly spends, here’s how it’d turn out:

Note: The rewards aren’t great, but paired with MaximizeMoney, this card becomes totally worth it.

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Swiggy HDFC Credit Card

This card is great for saving on food or grocery orders through Swiggy, but less useful if you spend over ₹50K or shop much outside the Swiggy platform.

Eligibility

For salaried Individuals:

Net Monthly Income > Rs.15,000

For Self Individuals:

ITR > Rs 6 Lakhs per annum

Rewards

• 10% Cashback (up to 1,500 per month) on Swiggy application (Food ordering, Instamart, Dineout & Genie). 
• 5% Cashback (up to 1,500 per month) on online merchant transactions.
• 1% Cashback (up to 500 per month) on other categories and offline spends. 

Charges

• Joining Fee/Renewal Membership Fee: ₹500 + applicable taxes
• Renewal fee waived off on annual spends above 2 Lakhs

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Example

Jatin found out the maximum savings he could make in a month using a Swiggy HDFC card.

Final takeaway

Saving with credit cards isn’t always straightforward. You need to be smart, stack the right offers, and know where to look.

But, we hope this read made it simple for you. 

Now, you don’t need to go through 100 different cards. Just pick one that fits your everyday spending and start saving without overthinking it.