Subscription Modal Banner
Weekly newsletter subscription
Get SingSaver’s top tips and deals, plus an exclusive free guide to investing, sent straight to your inbox.

I agree to the terms and conditions and agree to receive relevant marketing content according to the privacy policy.

Success Tick Icon
Congratulations on successfully joining Singsaver Newsletter
Grocery
chevron_left
chevron_right

Best Grocery Credit Cards in Singapore 2024

Discover optimal savings on daily necessities with our top picks for the best grocery credit cards in Singapore. Tailored rewards, cashback, and promotions await your supermarket shopping, whether you're a frequent buyer, home cook, or online food aficionado. Maximise your budget and enhance your lifestyle effortlessly with these cards.

See Moreexpand_more
See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

Cashback

Best Cashback Credit Cards for Groceries

Obtaining a cashback credit card specifically catering to groceries can be a financially savvy move, especially for individuals living alone or taking care of a family. Weekly supermarket runs can quickly add up in terms of expenses, and a cashback card can provide an effective solution to offset your grocery bills.


To date, the UOB One Card offers the highest cash rebate on groceries than any other credit card. New-to-UOB cardholders can earn up to 15% cash rebate when shopping at Dairy Farm International supermarkets such as Cold Storage and Giant. 


This is provided that you spend a minimum of either S$500, S$1,000, or S$2,000 spread across at least 5 eligible transactions per statement month. Keep this spending up for 3 consecutive months and you’ll be rewarded with your well-deserved cash rebate every quarter. 


While keeping tabs on these spending requirements might be a bit cumbersome for some, cardholders with families or those who frequently visit supermarkets should have minimal to no difficulties.


Alternatively, if you frequent Cold Storage or Giant supermarkets, you’ll benefit from the DBS yuu Card the most. Cardholders will earn up to 18% cash rebate with minimum S$600 spend per month on over 1,000 vendors – not just supermarket spend.


However, if you don’t like to be restricted to specific supermarkets, the DBS Live Fresh Card and OCBC Frank Card are the next best cashback cards for generic grocery shopping. Their key selling points are their commitment and support towards eco-merchants, awarding additional cashback (5% for DBS Live Fresh; 2% for OCBC Frank) on selected eco-supermarkets such as Scoop Wholefoods.


But to qualify for up to 10% cashback on each card, cardholders will need to spend a minimum of S$600 for DBS Live Fresh (capped at S$75) and S$800 (capped at S$100) for OCBC Frank per calendar month. So if you frequent supermarkets often but have a low monthly spend, the DBS Live Fresh Card might be a more fitting choice.




Miles

Best Miles Credit Cards for Groceries

Although miles aren’t the first thing you associate groceries with, why not let your grocery bills contribute towards your next air ticket, right? There are many miles credit cards that reward for daily spend and supermarkets are typically classified as an eligible category under that.

The UOB Lady’s Card and UOB Lady’s Solitaire Card are the best options out of the lot, offering 6 mpd on groceries as long as you choose “Family” as your preferred category. This bonus 6 mpd rate is capped at S$1,000 spend and S$3,000 spend per calendar month respectively. Once exceeded, all grocery transactions will revert to earning the base 0.4 mpd rate instead.

Unfortunately, this boosted 6 mpd rate is undermined by the fact that it’s limited by categories. The UOB Lady’s Card only earns on 1 preferred category whereas the UOB Lady’s Solitaire Card earns on 2 preferred categories. So if you select “Family” as your preferred category, you won’t be entitled to 6 mpd elsewhere.

Note: This 6 mpd is rewarded in UNI$, calculated in transaction blocks of S$5. All UNI$ points are rounded down to the nearest S$5. The other UOB miles credit cards on this list follows the same UNI$ system.

On the flip side, you might want to explore other alternatives like the HSBC Revolution Card or the Standard Chartered Journey Card. They offer greater leeway to earn miles on a broad range of categories at each time.

HSBC Revolution Credit Card open_in_new

Airmiles Supermarket: 4 miles per dollar

UOB Lady's Card open_in_new

Airmiles Supermarket: 6 miles per dollar

UOB Lady's Solitaire Card open_in_new

Airmiles Supermarket: 6 miles per dollar

UOB Preferred Platinum Visa Card open_in_new

Airmiles Supermarket: Up to 4 miles per dollar

UOB Visa Signature Card open_in_new

Airmiles Supermarket: Up to 4 miles per dollar

Standard Chartered Journey Credit Card open_in_new

Airmiles Supermarket: 3 miles per dollar
See All Prizes
 
Frame 1658
8x Apple iPad
(each worth $679)
Frame 1659
8x Dyson AirwrapTM styler
(each worth $849)
Frame 1660
8x Nintendo Switch OLED
(each worth $549)
Frame 1661
8x Playstation®5 consoles
(each worth $799)

 

Rewards Points

Best Rewards Credit Cards for Groceries

Opting for a rewards credit card specially for groceries is more advantageous than you think. In a sense, you can think of rewards credit cards as being multi-purpose; not only can rewards points be redeemed directly for gift, discounts, or experiences, but they can also be redeemed for cash rebate and miles. 


If you’re a loyal Cold Storage or Giant supermarket fan, we recommend opting for the DBS yuu Card that rewards cardholders with up to 36X yuu Points with minimum S$600 spend per month. This is equivalent to 18% cash rebate on all eligible purchases.


But if you don’t shop at the above supermarkets specifically, using either UOB Lady’s Card or UOB Lady’s Solitaire Card for general grocery spend will be more worthwhile. They earn UNI$15 per S$5 spend on groceries if you choose “Family” as a preferred category. However, in order to fully optimise the miles on these cards, your grocery expenses should ideally be transacted in S$5 blocks. 


In cases where your receipt doesn’t align with the S$5 blocks, the conversion of UNI$ points will be rounded down to the nearest S$5. For example, a S$19.99 grocery bill will be rounded down to S$15 instead of S$20. Consequently, you’ll earn UNI$45 rewards points instead of the intended UNI$60. Overall, the UNI$ computation of blocks of S$5 applies to most miles or rewards credit cards under UOB. 

UOB Lady's Card open_in_new

Rewards Points Grocery: UNI$ 15 for every S$5 spent

UOB Lady's Solitaire Card open_in_new

Rewards Points Grocery: UNI$ 15 per S$5

UOB Visa Signature Card open_in_new

Rewards Points Grocery: UNI$ 1

DBS yuu Visa Card open_in_new

Rewards Points Grocery: Up to 36 yuu Points

DBS yuu American Express Card open_in_new

Rewards Points Grocery: Up to 36 yuu points
No minimum spend

Best Grocery Credit Cards With No Minimum Spend

We can all agree that meeting the minimum spend requirement of a credit card can sometimes be quite a hassle. Regardless of whether it’s cashback, miles, or rewards points, your monthly grocery expenses can fluctuate, depending on your personal dietary preferences and those of your family members. In such scenarios, credit cards with no minimum spend truly stand out the most.


Cashback-wise, we’d recommend an unlimited cashback credit card like the UOB Absolute Cashback Card (1.7% cashback) or the Citi Cash Back Card (1.6% cashback). All other regular cashback cards will have a minimum spend requirement to satisfy. The only exceptions are the BOC Sheng Siong Card and DCS Sheng Siong Card.


In contrast, you have more flexibility in selecting miles or rewards credit cards for groceries because the majority of them don’t impose any minimum spend. They have spend caps on their bonus miles/points earn rates instead. 


For groceries, we’d recommend the UOB Lady’s Card or UOB Lady’s Solitaire Card for the highest prevailing rebate rates of 6 mpd (or UNI$15 per S$5 spend) if you choose “Family” as your card’s preferred category. You can refer to the above segments for more options on miles and rewards credit cards.
Partner Supermarkets

Best Credit Cards with Supermarket Partnerships

Can’t resist a good loyalty programme, especially for grocery shopping? These credit cards are either directly associated with specific supermarket chains or operate under a Retail Group. 


For instance, credit cards like the BOC Sheng Siong Card or the DCS Sheng Siong Card earn bonus cash rebates at Sheng Siong supermarkets only. The former earns 6% cash rebate while the latter earns 5% cash rebate. All other spend either only earns the base cashback rate or has a separate cashback rate altogether.


On the other hand, credit cards like the DBS yuu Card and the NTUC Link Card by Trust Bank earn rewards points on a select group of eligible grocery stores. The DBS yuu Card earns up to 36 yuu Points at Cold Storage and Giant supermarkets while the NTUC Link Card earns up to 21 Linkpoints per S$1 on NTUC FairPrice. 


What’s more, these cards are not limited to just supermarkets alone; purchases at other eligible merchants under their corresponding retail group will earn the same bonus rebates.


In essence, for depth, go for either BOC Sheng Siong or DCS Sheng Siong. For breadth, go for either DBS yuu Card or NTUC Link Card by Trust Bank.

DBS yuu Visa Card open_in_new

Rewards Points Grocery: Up to 36 yuu Points

DBS yuu American Express Card open_in_new

Rewards Points Grocery: Up to 36 yuu points

NTUC Link Credit Card by Trust Bank open_in_new

Rewards Points Grocery: Up to 21 Linkpoints per dollar spent

BOC Sheng Siong Card open_in_new

Cashback Supermarket: 12 %

Why get a Grocery Credit Card?

Opting for a grocery credit card makes financial sense for several reasons. These cards offer specialised rewards for supermarket spending, helping you save on a regular, essential expense. With elevated rewards rates for groceries compared to general spending, you can earn more from routine trips to the store.

 

See Moreexpand_more

Things to look out for when choosing a Grocery Credit Card

When choosing a grocery credit card, there are several important factors to consider to ensure that the card aligns with your spending habits and provides the best value. Here's what to look out for:

 

See Moreexpand_more

Who should get a Grocery Credit Card?

A grocery credit card can be a valuable addition to the wallets of various individuals who spend regularly on groceries and seek to maximise their savings. Here are some types of people who can benefit from getting a grocery credit card.

 

See Moreexpand_more

Frequently asked questions for Credit Cards For Buffet Promotions

Do online groceries count?

expand_more

Buying groceries online via RedMart, FairPrice Online or Amazon Prime also counts towards grocery spend. You can also opt for credit cards that reward you for the category of online spending, such as the HSBC Revolution Card, when purchasing your groceries online.

Will grocery purchases count towards cashback, miles, and rewards points?

expand_more

This depends on the credit card you use. More often than not, credit cards that offer rewards for grocery shopping tend to be cashback credit cards – or at least rewards credit cards with points-to-cash rebate conversion mechanics.

Are there minimum spends required to earn cashback on my groceries?

expand_more

Yes. Credit cards may require a minimum spend each month before you qualify for the higher cashback rate. Some credit cards also have caps on the amount of cashback you can earn every month. For example, the Citi Cash Back card caps the cashback earned from your groceries at S$25 each month, equivalent to about S$315 spent on groceries. 

Check out the results table above to find out more about the monthly minimum spend and cashback cap.

Are grocery credit cards for grocery spending only?

expand_more

No. While these credit cards give you additional rewards for spending on groceries, they also give rewards for other categories such as petrol, dining, transport, utilities, and more. These bonus reward categories differ from card to card. 

Check out the full card details before applying for a card for your grocery shopping.

Are there any exclusions that I should be aware of when spending on groceries with my credit cards?

expand_more

Not so much on exclusions, but rather, certain terms and conditions have to be met, such as minimum spend per month. Do note what the monthly cashback caps are too. 

The best way to be in the know is to do your homework and read up on Merchant Category Codes (or MCC in short), which is how banks allocate rewards based on specific merchants. Understanding this can help you utilise your credit card spend to really turbocharge your miles accumulation or roll in the cashback.