Cashback Miles Rewards Points No Minimum Spend Partner Supermarkets

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Best Grocery Credit Cards in Singapore 2023

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.

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Cashback Miles Rewards Points No Minimum Spend Partner Supermarkets

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.

UOB One Card open_in_new

Cashback Supermarket: Up to 10 %

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DBS Live Fresh Card open_in_new

Cashback Supermarket: Up to 10 %

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OCBC Frank Card open_in_new

Cashback Supermarket: Up to 10 %

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OCBC 365 Credit Card open_in_new

Cashback Supermarket: 3 %

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Citi Cash Back Card open_in_new

Cashback Supermarket: 8 %

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POSB Everyday Card open_in_new

Cashback Supermarket: 5 %

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HSBC Visa Platinum Credit Card open_in_new

Cashback Supermarket: 5 %

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CIMB Visa Signature Card open_in_new

Cashback Supermarket: 10 %

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Maybank Family & Friends Card open_in_new

Cashback Supermarket: 8 %

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UOB EVOL Card open_in_new

Cashback Supermarket: 8 %

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DBS yuu Visa Card open_in_new

Cashback Supermarket: Up to 18 %

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DBS yuu American Express Card open_in_new

Cashback Supermarket: Up to 18 %

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BOC Sheng Siong Card open_in_new

Cashback Supermarket: 12 %

DCS Sheng Siong Card open_in_new

Cashback Supermarket: 5 %

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NTUC Link Credit Card by Trust Bank open_in_new

Cashback Supermarket: Up to 21 %

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

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UOB Lady's Card open_in_new

Airmiles Supermarket: 6 miles per dollar

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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

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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.

HSBC Revolution Credit Card open_in_new

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UOB Lady's Card open_in_new

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

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UOB Lady's Solitaire Card open_in_new

Rewards Points Grocery: UNI$ 15 per S$5

UOB Preferred Platinum Visa Card open_in_new

Rewards Points Grocery: UNI$ 10

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

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DBS yuu American Express Card open_in_new

Rewards Points Grocery: Up to 36 yuu points

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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.