Need last-minute groceries but you don’t have the time to hop to the nearest supermarket? Online groceries can save the day! Bulk up on rewards and savings with the best credit cards for your groceries!
Best for Sheng Shiong Online:UOB Lady’s Card | HSBC Revolution
Best for Cold Storage Online: UOB One Card | Citi Cash Back Card
Best for RedMart: Citi Rewards Card | OCBC 365 Card
Best for FairPrice Online: Maybank Family & Friends Card
Whether it’s stocking up on fresh vegetables or 3-ply toilet paper, many people can agree that grocery shopping does take up a huge portion of their expenses, and the costs really adds up. Just going for a supermarket run might set you back at least S$50, even if it’s just a couple of items you’re picking up.
And with online grocery shopping, everything becomes easier. Bulky items like drinks, laundry powder and rice can reach your doorstep in a matter of minutes! But because of the convenience, I’m sure many of us end up overspending on random items that are not deemed necessities.
This is why choosing the best credit card for your grocery shopping is important, as it can rake up rewards and translate into huge savings!
Don’t know where to start? Fret not! We have compiled a list of the best credit cards according to the online grocery store you frequent — Sheng Shiong Online, Cold Storage Online, RedMart and FairPrice Online.
Looking for the best credit cards to complement your spending patterns and expenditure in 2023? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.
Read these next:
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5 Credit Cards That Will Save You The Most Money In 2023
Best Cashback Credit Cards in Singapore 2023
Best Unlimited Cashback Credit Cards in Singapore (2023)
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Table of contents
- Best credit cards for Sheng Shiong Online
- Best credit cards for Cold Storage Online
- Best credit cards for RedMart
- Best credit cards for FairPrice Online
Best credit cards for Sheng Shiong Online
Credit card |
Credit card type |
Key benefits & requirements |
BOC Sheng Shiong Card |
Cashback |
6% cash rebates on Sheng Shiong S$45 monthly cashback cap |
CIMB Visa Signature Card |
Cashback |
10% cashback on groceries S$800 min/ spend per statement month |
Citi Cash Back Card |
Cashback |
8% cash back on groceries S$80 combined cashback cap across all categories |
Citi Rewards Card |
Miles |
10X reward points (4mpd) on online groceries Bonus 10X reward points capped at S$1,000 monthly spend |
Citi SMRT Card |
Cashback |
5% cash back on groceries S$500 min. spend monthly |
HSBC Revolution |
Miles |
10X Reward Points on all online spend and contactless payments No min. spend |
HSBC Visa Platinum |
Cashback |
5% cash rebates on family expenses, including groceries |
Maybank Family & Friends Card |
Cashback |
8% cashback on 5 preferred categories, including groceries Min S$800 monthly spend |
OCBC 365 Card |
Cashback |
3% cashback on online groceries Min. S$800 monthly spend Capped at S$80 monthly |
POSB Everyday Card |
Cashback |
Up 5% cash rebate on groceries) (RedMart, Sheng Shiong Min. S$800 monthly spend Capped at $15 Daily$ S$8 off with min. spend of S$120 with promo code: POSB8OFF valid till 30 June 2023 S$10 off with min. spend of S$180 with promo code: POSB10OFF valid till 30 June 2023 |
UOB Lady’s Card / UOB Lady’s Solitaire Card |
Miles |
15X UNI$ per S$5 (6mpd) on chosen bonus rate category, including groceries under ‘Family’ category No min. Spend
|
Best credit cards for Cold Storage Online
Credit card |
Credit card type |
Key benefits & requirements |
CIMB Visa Signature Card |
Cashback |
10% cashback on groceries S$800 min/ spend per statement month |
Citi Cash Back Card |
Cashback |
8% cash back on groceries S$80 combined cashback cap across all categories |
Citi Rewards Card |
Miles |
10X reward points (4mpd) on online groceries Bonus 10X reward points capped at S$1,000 monthly spend |
Citi SMRT Card |
Cashback |
5% cash back on groceries S$500 min. spend monthly |
HSBC Revolution |
Miles |
10X Reward Points on all online spend and contactless payments No min. spend |
HSBC Visa Platinum |
Cashback |
5% cash rebates on family expenses, including groceries |
Maybank Family & Friends Card |
Cashback |
8% cashback on 5 preferred categories, including groceries Min S$800 monthly spend |
OCBC 365 Card |
Cashback |
3% cashback on online groceries Min. S$800 monthly spend Capped at S$80 monthly |
UOB Lady’s Card / UOB Lady’s Solitaire Card |
Miles |
15X UNI$ per S$5 (6mpd) on chosen bonus rate category, including groceries under ‘Family’ category No min. Spend
|
UOB One Card |
Cashback |
Up to 10% cashback on groceries including Cold Storage Cashback earned in S$50, S$100 or S$200 respectively per quarter |
See also: Ultimate Credit Card & Savings Account Combo
Best credit cards for RedMart
Credit card |
Credit card type |
Key benefits & requirements |
CIMB Visa Signature Card |
Cashback |
10% cashback on groceries S$800 min/ spend per statement month |
Citi Cash Back Card |
Cashback |
8% cash back on groceries S$80 combined cashback cap across all categories |
Citi Rewards Card |
Miles |
10X reward points (4mpd) on online groceries Bonus 10X reward points capped at S$1,000 monthly spend |
Citi SMRT Card |
Cashback |
5% cash back on groceries S$500 min. spend monthly |
HSBC Revolution |
Miles |
10X Reward Points on all online spend and contactless payments No min. spend |
HSBC Visa Platinum |
Cashback |
5% cash rebates on family expenses, including groceries |
Maybank Family & Friends Card |
Cashback |
8% cashback on 5 preferred categories, including groceries Min S$800 monthly spend |
OCBC 365 Card |
Cashback |
3% cashback on online groceries Min. S$800 monthly spend Capped at S$80 monthly |
POSB Everyday Card |
Cashback |
5% cash rebate on groceries (RedMart, Sheng Shiong) Min. S$800 monthly spend Capped at $15 Daily$ |
UOB Lady’s Card / UOB Lady’s Solitaire Card |
Miles |
15X UNI$ per S$5 (6mpd) on chosen bonus rate category, including groceries under ‘Family’ category No min. Spend
|
Best credit cards for FairPrice Online
Credit card |
Credit card type |
Key benefits & requirements |
CIMB Visa Signature Card |
Cashback |
10% cashback on groceries S$800 min/ spend per statement month |
Citi Cash Back Card |
Cashback |
8% cash back on groceries S$80 combined cashback cap across all categories |
Citi Rewards Card |
Miles |
10X reward points (4mpd) on online groceries Bonus 10X reward points capped at S$1,000 monthly spend |
Citi SMRT Card |
Cashback |
5% cash back on groceries S$500 min. spend monthly |
HSBC Revolution |
Miles |
10X Reward Points on all online spend and contactless payments No min. spend |
HSBC Visa Platinum |
Cashback |
5% cash rebates on family expenses, including groceries |
Maybank Family & Friends Card |
Cashback |
8% cashback on 5 preferred categories, including groceries Min S$800 monthly spend |
OCBC 365 Card |
Cashback |
3% cashback on online groceries Min. S$800 monthly spend Capped at S$80 monthly |
TRUST Credit Card |
Cashback |
Up to 21% savings on groceries at FairPrice |
UOB Lady’s Card / UOB Lady’s Solitaire Card |
Miles |
15X UNI$ per S$5 (6mpd) on chosen bonus rate category, including groceries under ‘Family’ category No min. Spend
|
Winner: Best overall credit cards for groceries
For miles |
UOB Lady’s / UOB Lady’s Solitaire Card |
For cashback |
CIMB Visa Signature Card / Citi Cash Back Card |
For Sheng Shiong Online |
BOC Sheng Shiong Card / POSB Everyday Card |
For Cold Storage Online |
UOB One Card |
For RedMart |
POSB Everyday Card |
For FairPrice Online |
TRUST Credit Card |
For miles: UOB Lady’s Card / UOB Lady’s Solitaire Card
UOB Lady's Card Welcome Gift: Get S$350 worth of Grab vouchers when you make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Applicable to the first 200-new-to-UOB credit card customer. Valid till 31 May 2023. T&Cs apply.
The UOB Lady’s and UOB Lady’s Solitaire Cards have been all the hype lately, and for good reason. Recently, UOB announced that they will have increased their miles rate from 10X UNI$ per S$5 (4mpd) to 15X UNI$ per S$5 (6mpd) on the category(ies) that you choose.
All other spend earns the base 1X UNI$ per S$5 (2 mpd). You’ll also earn the base rate once you hit the bonus rate spend cap.
UOB Lady’s Card — able to choose 1 category per quarter and has a bonus rate spend cap of S$1,000 per month
UOB Lady’s Solitaire Card — able to choose 2 categories per quarter and has a bonus rate spend cap of S$3,000 per month
Here are the categories offered for these cards:
- Beauty and Wellness — cosmetic stores, drug stores, health and beauty stores
- Fashion — department stores, retail stores and shopping websites that sell clothes, shoes and bags as its main business activity
- Dining — restaurants, fast food restaurants and online food delivery
- Family — grocery stores and baby & kids stores
- Travel — airlines, hotels & resorts bookings and duty-free stores
- Transport — fuel stations, taxi rides and local commuter transport
- Entertainment — bars, taverns, lounges, cinemas and ticketing servicing providers
Do note that these cards earn you miles in blocks of S$5 per transaction, meaning if you spend S$4.99 you won’t be able to earn any miles on that transaction.
For cashback: CIMB Visa Signature
When it comes to cashback, CIMB Visa Signature takes the cake for grocery shopping. You’ll be able to earn 10% cashback on groceries, alongside other expenses like online shopping, beauty & wellness, pet shops & veterinary services and cruises.
However, do take note of the S$100 cashback cap per statement month, capped at S$20 per category.
There is a minimum spend of S$800 per statement month to qualify you for the high cashback rate. Otherwise, you’ll only be earning a base cashback rate of 0.2%, without a monthly cap.
SingSaver Exclusive Offer: Be one of the first 8 applicants at 12pm and 6pm daily to get an Apple Watch SE Gen 1 (worth S$382.50) when you activate and make a min. spend of S$988 within 60 days of card approval. Valid till 31 May 2023. T&Cs apply.
Remaining applicants will get S$280 Cash via PayNow when you apply and make a min. spend of S$988 within 60 days of card approval. Valid till 31 May 2023. T&Cs apply.
For cashback: Citi Cash Back Card
Alternatively, you can also consider the Citi Cash Back Card that has a lower cashback rate but higher cashback cap.
With the Citi Cash Back Card, you’ll be able to earn 8% cashback on all your groceries, with a minimum spend of S$800 and a cash back amount capped at S$80 combined for all categories. This is unlike other cards that limit the cashback cap to each category.
If you don’t meet the minimum spending requirement or exceed the cashback cap, you’ll receive a base cashback of 0.25%.
Pro tip: The bonus cashback is earned for merchants that are categorised as grocery stores or supermarkets, with a Merchant Category Code (MCC) of 411, so be sure to check if the grocery store you’re shopping at has the same MCC.
For Sheng Shiong Online: BOC Sheng Shiong
Whether you’re shopping at Sheng Shiong because it’s just right below your house or you’re waiting for the day you get featured on the Sheng Shiong show and shout ‘bai bei’ together with the audience, BOC has a dedicated card for Sheng Shiog shoppers.
With no minimum spend, you can enjoy 6% cash rebates at Sheng Shiong, be it online or in stores. However, there is a cash rebate cap of S$45 per card account for each billing cycle.
Any other local and overseas spend like dining, transportation and online shopping will entail you to a 1.5% cash rebate. Since the cashback rate for other spend is rather low, this card is only useful if you’re an avid shopper at Sheng Shiong. You’re better off with another card for general expenses.
For Sheng Shiong Online: POSB Everyday Card
Alternatively, the POSB Everyday Card offers a slightly lower cashback rate of 5% when you shop at Sheng Shiong, capped at Daily$30 per month, and requires a minimum spend of S$800 per month.
However, the BOC Sheng Shiong card still reigns as the best card for Sheng Shiong purchases as it offers a higher cash rebate rate and cash rebate cap, making it more worth it.
DBS/POSB Credit Card Welcome Gift: Receive S$150 cashback when you key in the promo code 150CASH upon application and make a minimum spend of S$800 within 60 days of card approval. Valid till 30 June 2023. T&Cs apply.
If you're not a new DBS/POSB credit cardmember, consider these promotions instead.
For Cold Storage Online: UOB One Card
If you’re a big fan of Cold Storage, you’ll be thrilled to know that you can get up to 15% cashback (new to UOB card customers) and up to 10% cashback (existing cardmembers) specifically on Dairy Farm International merchants like Cold Storage, Giant, Marketplace and Jasons.
There are 3 kinds of cashback UOB offers:
- Base cashback (all cardmembers) — 3.33%
- Additional cashback (all cardmembers)— Min. S$500 / S$1,000 spend, capped at S$100 per month
- Enhanced cashback (new-to-UOB cardmembers only) — Min S$2,000 spend, capped at S$100 per month for the first 2 quarters
The quarterly cashback you earn depends on how much qualifying spend you satisfy each month — S$500, S$1,000 or S$2,000 per month, with a minimum of 5 transactions per statement month.
For 3 consecutive months |
Min S$500 / S$1,000 spend per month |
Min S$2,000 spend per month |
Base cashback |
3.33% |
3.33% |
Additional cashback |
5% |
6.67% |
Enhanced cashback (for new-to-UOB cardmembers only) |
6.67% |
5% |
Total cashback earned |
Existing UOB cardmembers: 10% |
Existing UOB cardmembers: 10% |
This means that when you shop at Cold Storage online or offline, you will earn an additional 5% cashback in quarterly cash rebates as long as you’re a new-to-UOB cardholder applying for the UOB One card.
UOB One Card Welcome Gift: Get S$350 worth of Grab vouchers if you are the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 May 2023. T&Cs apply.
New-to-UOB credit card customers who successfully apply before 30 June 2023 will also enjoy up to 15% cashback, capped at S$100 per month for the first 2 quarters. Valid till 30 June 2023. T&Cs apply.
For RedMart: POSB Everyday Card
If you’re looking to earn points, the POSB Everyday Card ranks as one of the top contenders, and it also has a dedicated rewards section for RedMart.
For groceries, you’ll receive up to 5% cash rebates merchants like RedMart and Sheng Shiong.
However, you’ll have to spend a minimum of S$800 every month to earn the maximum rebates. There is also a cap of S$30 POSB Daily$ per calendar month, capped at S$15 per category.
Here are other categories you can earn cash rebates on:
- Up to 10% cash rebates on online food delivery at foodpanda, Deliveroo and WhyQ
- 3% cash rebates on other dining spend
- 5% cash rebates on utility bills
- 5% cash rebates on public transport (SimplyGo)
- 3% cash rebates at Watsons, Pet Lovers Centre
- 0.3% cash rebates on all other spend
- 5% cash rebates on online shopping
- 8% cash rebates at POPULAR physical & online stores
- 3% cash rebates on phone bills
- Up to 20.1% fuel savings at SPC
DBS/POSB Credit Card Welcome Gift: Receive S$150 cashback when you key in the promo code 150CASH upon application and make a minimum spend of S$800 within 60 days of card approval. Valid till 30 June 2023. T&Cs apply.
If you're not a new DBS/POSB credit cardmember, consider these promotions instead.
For FairPrice Online: TRUST Credit Card
As one of the newer kids on the block, the TRUST Credit Card has definitely kicked up a storm by offering highest rates in the market, in terms of points. If you’re a heavy shopper at FairPrice, you should be all ears.
You can enjoy up to 21% Linkpoints on groceries and food at FairPrice Group when you spend on their credit card, as long as you download the Trust App. However, the rewards and minimum spend depend on whether you’re an NTUC Union member. 100 Linkpoints = S$1 redemption.
NTUC Union members:
- Up to 21% savings on FaiPrice Group purchases
- S$350 monthly anywhere outside FairPrice Group
Non-NTUC Union members:
- Up to 15% savings on FaiPrice Group purchases
- S$450 monthly anywhere outside FairPrice Group
There is also a S$960 cap worth in Linkpoints (96,000 Linkpoints) on bonus points per month that you can earn, regardless of whether you’re an NTUC Union member or not.
Do take advantage of these rates fast, as TRUST bank has stated that this rate is a promotional offer, and the 21% rate may be revised to 14% after 31 May 2023.
Read these next:
Best Rewards Credit Cards Singapore 2023
The Only Credit Card Guide You Need in Singapore 2023
Credit Card Welcome Offer: A Comparison of the Best Gifts
How To Meet Your Credit Card Minimum Spend Without Overspending