Best Groceries Credit Cards in Singapore (2023)

Get rewarded for your essential expenses on grocery each time you stock up on household items. Whether you are looking to earn cashback or exclusive discounts on your grocery purchases, take advantage of the savings from your next credit card for your groceries. Apply now on Singsaver to start enjoying extra perks and savings.
S$
800

Monthly Spend Required

10
%

Cashback on dining

via online food delivery from foodpanda, Deliveroo and WhyQ
All other dining spend earns 3% cash rebates
5
%

Cashback on groceries

at Sheng Siong supermarkets and Redmart
Capped at S$15 cash rebates per calendar month
S$
800

Monthly Spend Required

6
%

Cashback on dining

at cafés and restaurants worldwide
6% on any dining merchant worldwide
8
%

Cashback on groceries

on local and overseas grocery stores
8% cash back at all grocery stores worldwide
S$
1,000

Monthly Spend Required

5
%

Cashback on dining

on dining and groceries
5
%

Cashback on groceries

on Grocery, Petrol and Recurring Payment
S$
30,000

Min. Annual Income

0.5
%

Cashback

1
Points Per Dollar

Reward Points

on all other spend
S$
2,000

Monthly Spend Required

5
%

Cashback on dining

on local dining
With a minimum spend of $2000/month for 3 consecutive months and at least 3 qualifying transactions.
10
%

Cashback on groceries

on Dairy Farm Group merchants
10% cashback on Dairy Farm Group merchants, which include Cold Storage, Giant, Guardian, 7-Eleven, Market Place and Jasons.
No Minimum

Monthly Spend Required

No Cashback

Cashback on dining

12
%

Cashback on groceries

at Sheng Siong supermarkets.
Up to 12% with S$600 spend outside of Sheng Siong
S$
30,000

Min. Annual Income

0.5
%

Cashback

1
Points Per Dollar

Reward Points

on all other spend
S$
800

Monthly Spend Required

0.2
%

Cashback on dining

10
%

Cashback on groceries

on groceries
minimum spend of S$800 in same statement month, and capped at S$20 per category
S$
800

Monthly Spend Required

8
%

Cashback on dining

on your selected cashback categories, including Groceries, Dining & Food Delivery, and Transport
8% on restaurants with min. monthly spend of S$800 per month
8
%

Cashback on groceries

on groceries
8% on selected grocery stores (e.g. Cold Storage, Fairprice, Guardian) with min. spend of S$800 per month.
S$
500

Monthly Spend Required

No Cashback

Cashback on dining

5
%

Cashback on groceries

at FairPrice, Giant, and Sheng Siong
With a min. total spend of S$500 per statement month

Best Credit Cards For Groceries In Singapore 2023

Product Name

Cashback on groceries

12
%

Monthly cashback cap

S$
75

Product Name

Cashback on groceries

10
%

Monthly cashback cap

S$
100

Product Name

Cashback on groceries

10
%

Monthly cashback cap

S$
100

Product Name

Cashback on groceries

8
%

Monthly cashback cap

S$
80

Product Name

Cashback on groceries

8
%

Monthly cashback cap

S$
75

Best Grocery Credit Cards in Singapore 2020

Which credit 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.

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Need some help?
No worries, we've got you covered!

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.

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.

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.

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.

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.

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.

  • 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.

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.

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.

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