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Citi Cashback Credit Card

SingSaver's Exclusive OfferFeatured
SingSaver's Exclusive Offer:
Free S$200 vouchers for new customers. S$30 for existing customers.
Great Multi-Purpose Card with 8% cashback on Dining, Groceries, Grab and Petrol
Great Multi-Purpose Card with 8% cashback on Dining, Groceries, Grab and Petrol

Features

POPULAR!SingSaver Exclusive: Get S$200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. Promo ends 30 June 2019. Terms and Conditions apply.
SingSaver Exclusive: Get S$30 NTUC FairPrice vouchers upon approval for existing customers. Promo valid till 30 June 2019. Apply here for existing customers.
8% cash back on Dining, Groceries & Petrol daily, worldwide. Subject to cash back cap of S$25 per category per statement month with a min. spend of S$888 per statement month.
8% off Grab rides valid till 30 June 2019. Subject to cash back cap of S$25 with a min. spend of S$888 per statement month.
Fuel savings of up to 20.88% at Esso & Shell.
Up to S$1,000,000 coverage when you charge your travel tickets to the card.
All other retail spend earns 0.25% cash back, no cap.
Bonus 7.75% cash back on Dining, Groceries, Petrol and Grab spend is capped at S$25 cash back per category per statement month
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$42,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive S$200 vouchers

$200 Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. 

  • Get $30 NTUC FairPrice vouchers upon approval for existing customers.
  • Terms and Conditions apply.
  • Promotion valid till 30 June 2019.

APR/Fees

APR
Minimum Payment
1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
26.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
25 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
3.0%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$888

Citi SMRT Platinum Visa Card

SingSaver's Exclusive OfferFeatured
SingSaver's Exclusive Offer:
Free S$200 vouchers for new customers. S$30 for existing customers.

Features

SingSaver Exclusive: Get S$200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. Promo ends 30 June 2019. Terms and Conditions apply.
SingSaver Exclusive: Get S$30 NTUC FairPrice vouchers upon approval for existing customers. Promo valid till 30 June 2019. Apply here for existing customers .
Enjoy up to 5% savings on groceries at major supermarkets, fast food, movies, coffee and online shopping, with min. monthly spend of S$300.
Redeem your SMRT$ for shopping vouchers, rides or cash rebate. 10 SMRT$ = S$10 cash rebate.
Doubles as an EZ-Link Card for daily commute with an auto top-up function.
No convenience fee for EZ-Reload Auto Top-up transactions
All other spend earns 0.3% SMRT$.
Annual Cap of SMRT$600.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$42,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive S$200 vouchers

$200 Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. 

  • Get $30 NTUC FairPrice vouchers upon approval for existing customers.
  • Terms and Conditions apply.
  • Promotion valid till 30 June 2019.

APR/Fees

APR
Minimum Payment
1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
26.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
25 Days
Fees
Annual fee
S$160.50 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
3.0%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$300

Maybank Family & Friends Platinum MasterCard

Welcome Gift
Welcome Gift:
Receive S$100 cash credit. Terms and Conditions apply.

Features

Get S$100 cash credit with Maybank Credit Cards and Creditable. Simply apply for 2 new Maybank Credit Cards and CreditAble and charge to your card or withdraw from CreditAble Account a min of S$800 within first two months of approval. Terms and Conditions apply.
Enjoy 8% cash rebates on groceries, transport and selected merchants with minimum S$1,000 spending per calander month.
Enjoy 5% cash rebates at the same merchants with minimum S$500 spending per calander month.
Enjoy unlimited 0.3% cash rebates on all other purchases.
Enjoy 3 year annual fee waiver
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$60,000

Promotions and Terms and Conditions

Welcome Offer
Receive S$100 cashback
  • Get S$100 cash credit, simply apply for 2 new Maybank Credit Cards and CreditAble and charge to your card or withdraw from CreditAble Account a minimum of S$800 within first two months of approval.
  • Terms and Conditions apply.
  • Promotion valid till 31 Jul 2019

APR/Fees

APR
Minimum Payment
3% of outstanding balance or S$20, whichever is higher.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$80 will be levied.
Interest On Purchases
25.9%
Interest On Cash Advance
25.9%
Interest Free Repayment Period
20 Days
Fees
Annual fee
S$180.00 (First Three Years Fee Waiver)
Foreign Currency Transaction Fee
2.75%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$1,000

American Express CapitaCard

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
S$60 CapitaVoucher upon S$1,500 spend and S$20 CapitaVouchers when you apply via MyInfo. Receive an American Tourister Luggage (worth S$200). T&Cs apply.

Features

Apply via MyInfo and get S$20 Capitavouchers. Promotion ends 30 June 2019. Terms and Conditions apply.
Receive S$60 CapitaVoucher when you spend S$1,500 in your first 3 months (awarded in STAR$®).
Receive an American Tourister Erie 67/24 Luggage (worth S$200) when you spend an additional S$1,500 within the first 3 months upon Card approval.
Earn 5 STAR$® for every S$1 spent on eligible purchases.
Earn 3X STAR$® when you spend in CapitaLand Malls.
Enjoy Complimentary 3-hour parking per mall, per day across participating CapitaLand Malls when you spend S$1,200 in a calendar month.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$60,000

Promotions and Terms and Conditions

Welcome Offer
OFFER 1
Receive S$60 CapitaVouchers
  • Spend S$1,500 on eligible purchases of goods or services within the first 3 months upon Card approval and receive 60,000 Bonus STAR$ (equivalent of S$60 CapitaVouchers)
  • Terms and Conditions apply.

OFFER 2
Receive an American Tourister Erie 67/24 Luggage (worth S$200)
  • Spend an additional S$1,500 (total spend of S$3,000) on eligible purchases of goods and services within the first 3 months upon Card approval and receive an American Tourister Erie 67/24 Spinner Exp TSA luggage bag.
  • Terms and Conditions apply.

OFFER 3
Receive S$20 CapitaVouchers with MyInfo

Receive S$20 CapitaVouchers upon Card approval when you use MyInfo to pre-fill your application.


APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
S$90 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.90%
Interest On Cash Advance
25.90%
Interest Free Repayment Period
22 Days
Fees
Annual fee
S$171.2 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.5%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000

HSBC Visa Platinum Credit Card

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
S$150 cashback or Samsonite T5 Spinner for new customers and S$30 cashback for existing customers.
5% rebate on dining, groceries and fuel + receive up to S$250 cash rebates every quarter
5% rebate on dining, groceries and fuel + receive up to S$250 cash rebates every quarter

Features

Sign Up gift for New Cardholder: S$150 cash back or Samsonite T5 Spinner with built-in scale worth S$560
Sign Up gift Existing Cardholder: S$30 cash back
To qualify for the sign up gift, Cardholder will have to spend a minimum of S$800 within a month of card approval for sign up gift. Promotion is valid till 31 July 2019. Terms and Conditions apply.
Enjoy 5% cashback on all Grocery, Petrol (Caltex, Shell) and local dining.
Enjoy up to an additional 16% instant petrol discount at all Caltex and Shell stations.
Earn 1 rewards point for every S$1 spend on all other spend. No rewards points cap. Redemption illustration: 20,000 Reward Points = S$50 cash credit or 8,000 KrisFlyer/Asia Miles.
Enjoy free movies and meals for your kids
Two years annual fee waiver
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$40,000

Promotions and Terms and Conditions

Welcome Offer
Receive up to S$150 cashback
  • Choice of S$150 cashback or Samsonite T5 Spinner worth S$560 for new cardholders
  • Existing cardholders will receive S$30 cashback
  • To qualify, cardholder will have to spend a minimum of S$800 in the first month after card approval
  • Promotion valid till 31 July 2019
  • Terms & Conditions apply.

APR/Fees

APR
Minimum Payment
3% of statement balance or S$50.
Late payment charge
S$55 if Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$55 will be levied.
Interest On Purchases
25.90%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
20 Days
Fees
Annual fee
S$192.60 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$1000 (Require S$1,000 in eligible purchases per month for 3 months)

UOB One Card

Welcome Gift
Welcome Gift:
Free S$50 cash upon card approval + up to S$150 cash credit for new cardholders.

Features

SingSaver Exclusive: Get S$50 cash reward when your card is approved! Promotion ends 30 June 2019. Terms and Conditions apply.
Receive up to S$150 cash credit for new credit card holders who charge a minimum of S$1,500 within first 30 days. Promotion valid till 31 Oct 2019. Terms and Conditions apply.
Up to 5% cash rebate on ALL retail spend or S$1,200 rebate in a year (Up to 3.33% rebate for spend below S$2,000)
Additional 10% SMART$ rebate at over 300 participating merchants across dining, groceries, shopping and more
Travel Insurance Coverage of up to S$500,000 when you book your air tickets. Terms and Conditions apply.
Petrol savings of up to 20.8% at Shell and 24% at SPC
Upsize your savings with up to 3.88% bonus interest with UOB One Account
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$40,000

Promotions and Terms and Conditions

SingSaver Exclusive Offer
Receive up to S$50 cash

Receive S$50 cash when your card is approved and activated for new and existing customers. 

Welcome Offer
Receive S$150 cash credit
  • Spend a minimum of S$1,500 in the first 30 days of card approval.
  • Only applicable for new customers only
  • Terms and Conditions apply.
  • Promotion valid till 31 Oct 2019

APR/Fees

APR
Minimum Payment
3% of current balance or S$50, whichever is higher, plus any overdue amounts.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
25.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
21 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$2000

OCBC 365 Credit Card

SingSaver's Exclusive Offer
SingSaver's Exclusive Offer:
Receive S$100 cash rebate upon approval for new OCBC credit card applications
Best for daily spending on food, groceries, commuting and dining.
Best for daily spending on food, groceries, commuting and dining.

Features

SingSaver Exclusive: Get S$100 cash back upon approval. Promo is valid till 30 June 2019. Terms and Conditions apply.
For existing customers, please click here.
Get 6% cash rebate for overseas and local dining, all day, including online food delivery
3% cashback on groceries at supermarkets, local and overseas, inclusive of online groceries
3% cashback on local and overseas private hire rides (e.g. ComfortDelGro, Ofo and Ryde), including local and overseas taxi
3% cashback on recurring telco bills and electricity bills
3% cashback on online air and cruise tickets purchase and online hotel and tour bookings (e.g. Agoda and Airbnb)
Up to 23% fuel savings at Caltex and 5% cashback on fuel spend at all other petrol stations
Annual fee waiver for first 2 years. Min. spend of S$10,000 for automatic waivers of annual fee for OCBC 365 Card.
Min. spend of S$800 and Cashback cap of S$80 per month.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000

Promotions and Terms and Conditions

Welcome Offer
Receive $100 cashback upon approval

Receive S$100 cash back upon approval

  • Only applicable for new cardholders (new OCBC principal credit card holder who is not holding any existing OCBC credit card
  • Terms and Conditions apply
  • Promotion valid till 30 June 2019.

APR/Fees

APR
Minimum Payment
S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.92%
Interest On Cash Advance
28.92%
Interest Free Repayment Period
23 Days
Fees
Annual fee
S$192.60 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
2.8%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$800

POSB Everyday Card

Popular

Features

New customers: get 15% cash rebates for online food delivery and online food catering. Spend a min. of S$800 per calendar month to qualify.
Up to 6% cash rebates at SPC, Sheng Siong, Watsons, Starhub, SP Group, Best Electricity, Geneco, iSwitch, Tuas Power and Union Power. (with no minimum spend!)
Use it as an all-in-one card for your daily essentials, MRT/bus rides and ATM cash withdrawals. And your cash rebates never expire.
Enjoy 20.1% savings at SPC, 5% cashback at Sheng Siong, 3% cashback at Watsons, 1% cashback on bill from SP Services, 1% cashback on StarHub recurring bills, and 0.3% on everything else
Annual fee waiver of 1 year.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000

Promotions and Terms and Conditions

Welcome Offer
15% cashback on dining
  • 15% cash rebates on dining when you spend a minimum of S$800 in a calendar month
  • Cash rebate capped at S$50 per calendar month
  • Terms and Conditions apply.

APR/Fees

APR
Minimum Payment
3% of statement balance or S$50.
Late payment charge
If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases
25.9%
Interest On Cash Advance
28.0%
Interest Free Repayment Period
20 Days
Fees
Annual fee
S$192.60 (First Year Fee Waiver)
Foreign Currency Transaction Fee
2.5%

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Minimum Monthly Spend
S$800

Need some help?

No worries, we've got you covered!

Can I use my credit card to buy groceries?

Yes, and you should, especially if you want to gain rewards for the money spent on groceries.

Alternatively, you shouldn’t if you’re the sort to put off paying for your groceries for a couple of months, to prevent your debt from snowballing and to avoid having an overwhelming amount of money owed.

How do you use a credit card for groceries?

Identify existing rewards programmes that offer higher rewards for certain credit cards. This could be an airmiles or cash back card that offer a high earn rate for groceries.

Most large grocery stores these days also have partner programmes. NTUC, for example, has their own range of Plus! Cards that give you loyalty points every time you spend with the grocery store.

Alternatively, buying groceries online allow you to charge your grocery payments to a credit card too.

Can I get cash back at the grocery store with a credit card?

Yes, if you use a cash back credit card in a grocery store that accepts credit card payment. You earn even more cashback if the credit card is optimised that spending category.

What grocery stores have credit cards?

NTUC has a specific range of Plus! Cards that act as a membership card to their grocery stores. Most grocery stores also have a specific credit card with high cash back or rewards rates if you shop in that particular store.

Confused about credit card terms?

Glossary terms to know for first-time credit card users