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Best Groceries Credit Cards in Singapore (2021)

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POSB Everyday Card

POSB Everyday Card

Welcome GiftFeatured
POSB Everyday Card
S$800
Monthly Spend Required
10%
Cashback on diningvia online food delivery from foodpanda and Deliveroo
5%
Cashback on groceriesat Sheng Siong supermarkets and Redmart
Welcome Gift:
Enjoy S$300 cashback when you key in the promo code MEGAFLASH upon application. Valid till 12 Jul 2021. T&Cs apply.
Citi SMRT Card

Citi SMRT Card

SingSaver's Exclusive OfferFeatured
Citi SMRT Card
S$500
Monthly Spend Required
No Cashback
Cashback on dining
5%
Cashback on groceriesat FairPrice, Giant, and Sheng Siong
SingSaver's Exclusive Offer:
Score an Oppo Reno5 Z (worth S$529) or S$350 via PayNow when you make a min. spend of S$200 within 30 days of card approval. Valid till 31 Aug 2021. T&Cs apply.
Citi Cash Back Card

Citi Cash Back Card

SingSaver's Exclusive OfferFeatured
Citi Cash Back Card
S$800
Monthly Spend Required
6%
Cashback on diningat cafés and restaurants worldwide
8%
Cashback on grocerieson local and overseas grocery stores
SingSaver's Exclusive Offer:
Get a Dyson AM07 Tower Fan (worth S$499) or a set of Bose QuietComfort Earbuds (worth S$399) or S$350 cash when you make a min. spend of S$200 within 30 days of card approval. Valid till 27 Jun 2021. T&Cs apply.
OCBC 365 Credit Card

OCBC 365 Credit Card

Welcome GiftFeatured
OCBC 365 Credit Card
S$800
Monthly Spend Required
6%
Cashback on dining
3%
Cashback on groceries
Welcome Gift:
Enjoy up to S$250 cashback when you make a min. monthly spend of S$1,000 for two consecutive months following card approval. Valid till 31 Jul 2021. T&Cs apply.
BOC Sheng Siong Card

BOC Sheng Siong Card

Popular
BOC Sheng Siong Card
No Minimum
Monthly Spend Required
No Cashback
Cashback on dining
12%
Cashback on groceriesat Sheng Siong supermarkets.
UOB One Card

UOB One Card

Welcome Gift
UOB One Card
S$2,000
Monthly Spend Required
5%
Cashback on diningon local dining
10%
Cashback on grocerieson Dairy Farm Group merchants
Welcome Gift:
Receive S$150 cash credit if you are among the first 100 successful applicants to make a min. spend of S$1,500 within 30 days of card approval. Valid till 30 Jun 2021. T&Cs apply.
CIMB Visa Signature Card

CIMB Visa Signature Card

Welcome Gift
CIMB Visa Signature Card
S$800
Monthly Spend Required
0.2%
Cashback on dining
10%
Cashback on grocerieson groceries
Welcome Gift:
Receive S$120 cash credit when you make a min. spend of S$500 for two consecutive 30-day periods following card approval. Valid till 31 Jul 2021. T&Cs apply.
Maybank Family & Friends Card

Maybank Family & Friends Card

Welcome Gift
Maybank Family & Friends Card
S$800
Monthly Spend Required
8%
Cashback on diningon your selected cashback categories, including Groceries, Dining & Food Delivery, and Transport
8%
Cashback on grocerieson groceries
Welcome Gift:
Score S$100 cash credit when you apply for this card and a CreditAble account plus make a min. spend or withdrawal of S$250 for the first two consecutive months upon card approval. Valid till 30 Jun 2021. T&Cs apply.
OCBC NTUC Plus! Credit Card

OCBC NTUC Plus! Credit Card

Popular
OCBC NTUC Plus! Credit Card
S$400
Monthly Spend Required
No Cashback
Cashback on dining
5.67%
Cashback on groceriesat FairPrice Stores, Unity and Warehouse Club
OCBC Plus! Credit Card

OCBC Plus! Credit Card

Popular
OCBC Plus! Credit Card
S$500
Monthly Spend Required
No Cashback
Cashback on dining
5.67%
Cashback on grocerieson spend at NTUC

Best Credit Cards For Groceries In Singapore 2020

Product Name

Cashback on groceries

Monthly cashback cap

BOC Sheng Siong Card
12%
S$75
CIMB Visa Signature Card
10%
S$100
UOB One Card
10%
S$100
Maybank Family & Friends Card
8%
S$80
Citi Cash Back Card
8%
S$75

Best Grocery Credit Cards in Singapore 2020

Which card should you be picking to milk more out of each grocery run?

Best Grocery Card Overall: CIMB Visa Signature Card (10% cashback)
Offering a high 10% cashback on grocery spend, this card rewards you for both online and in-store grocery purchases. You will be required to spend a minimum of S$800 monthly.

Highest Cashback: OCBC NTUC Plus! Credit Card (12% cashback)
If you’re an NTUC Union member, this card offers an unbeatable 12% cashback on your groceries at NTUC, provided you spend at least S$400 outside of NTUC.

No Minimum Spend: POSB Everyday Card (5% cashback)
With no minimum monthly spend required, the POSB Everyday card is great for those that do not spend much but still want to earn cashback on grocery spend.

Best For Online Groceries: CIMB Visa Signature Card (10% cashback)
If your go-to supermarket is an online grocery store, use the CIMB Visa Signature to earn 10% cashback. This card also rewards you with 10% cashback on online shopping.


If you are supermarket specific, you can read Credit Cards for Individual Supermarkets article.

Need some help?
No worries, we've got you covered!
Can I use my credit card to buy groceries?

Yes, you can, and you should — especially if you want to earn rewards for buying groceries regularly from certain supermarkets. Rather than using cash (you get nothing in return), paying for your groceries using specific credit cards could earn you cashback that offsets your next credit card bill, or rewards in the form of reward points or miles.

How do you use a credit card for groceries?

The key is to identify which credit cards offer higher rewards for the supermarket you usually shop at for your groceries. For example, using UOB’s Delight card earns you up to 8% cashback at Cold Storage and Giant, while the BOC Sheng Siong card gives you up to 12% cashback at Sheng Siong.

There are also credit cards that reward you for your grocery spend regardless of the supermarket you visit, such as the Citi Cash Back card and Maybank Family & Friends card.

Do online groceries count?

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 Citi Rewards card, when purchasing your groceries online.

Will grocery purchases count towards cashback or miles?

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.

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

Yes, if you use a cashback credit card in a grocery store that accepts credit card payments. To earn higher cashback of 5% to 8%, use a credit card that rewards you with additional cashback for grocery spend.

What grocery stores have their own credit cards?

Some supermarkets have their own membership programmes. For example, NTUC has their own range of Plus! Cards that give you loyalty points every time you spend at their store. These loyalty points can be used to offset your next purchase.

What are the best credit cards to use for each grocery store?
  • Cold Storage: 8% cashback with UOB Delight card 
  • FairPrice: 10% cashback with OCBC NTUC Plus! card 
  • Giant: 8% cashback with UOB Delight card 
  • Sheng Siong: Up to 12% cashback with BOC Sheng Siong card, 5% cashback with POSB Everyday card
  • CapitaLand malls: 15 STAR$® for every S$1 spent in participating CapitaLand Malls with American Express CapitaCard
  • Other notable credit cards for all grocery stores: 8% cashback with Citi Cash Back card, 8% cashback with Maybank Family & Friends card, 10% cashback with CIMB Visa Signature card

You can also read our selection of the best grocery credit cards here.

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

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 these grocery credit cards for grocery spending only?

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 and utilities. 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?

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.

Confused about credit card terms?

Glossary terms to know for first-time credit card users

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