• Best Credit Cards for Grocery Shopping in Singapore is Rated as "Excellent!" by 11 Users

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    Shopping for groceries is an essential purchase in most of our households simply because we cannot afford to eat out every day. Also, eating out regularly isn’t the healthiest way to live. Grocery shopping can become expensive depending on our lifestyle and choice of meals.

    There are many credit cards in Singapore that offer cashback/cash rebate on grocery purchases at all major grocery stores and supermarkets on the island. Additionally, such credit cards also offer cashback/cash rebate on other daily essentials and occasional splurges such as paying for recurring bills, personal care products, dining, shopping and more.

    Best Grocery Shopping Credit Card Singapore

    UOB Delight Credit Card

    Earn cash rebates at your favorite grocery stores including Cold Storage, Jasons, Market Place and more with UOB Delight Credit Card. Enjoy free home delivery for your grocery shopping at select outlets.

    Pros of Using the UOB Delight Credit Card:

    • Cash rebate on grocery – Enjoy cash rebate up to 8% (SMART$) at Market Place, Cold Storage, Giant, Jasons and Guardian.
    • Additional discounts on grocery purchases – Enjoy an additional discount of 10% at more than 4,000 house brands at Giant, Cold Storage and Guardian outlets.
    • Free home delivery on purchases – Spend at least S$150 in 1 receipt at Parkway, Giant IMM, Tampines and/or VivoCity and enjoy free home delivery on your purchase.
    • Cash rebate on other transactions - Get cash rebate on other transactions made on your card in the following way:
      • 3% cash rebate on recurring telecommunication bills.
      • 3% cash rebate on contactless payment transactions.
      • 0.3% cash rebate on all other transactions.
    • Petrol savings – Save up to 21.7% on fuel at Shell and Esso stations with UOB Fuel Power.
    • Dining benefits – Enjoy dining promotions throughout the year with 1+1 deals and discounts on dining and entertainment in Singapore.

    Cons of Using the UOB Delight Credit Card:

    • Minimum spend requirement for grocery purchases:
      • Earn 8% cash rebate on a minimum spend of S$800 per month.
      • Earn 3% cash rebate on minimum monthly spends between S$400 and S$799.
      • Earn 0.3% cash rebate on monthly spends below S$400.
    • Minimum spend requirement for other purchases – Earn 3% cash rebate on recurring telecommunication bills and contactless payment transactions on a minimum monthly spend of S$400. For monthly spends below S$400, you will get 0.3% cash rebate.
    • Cap on cash rebate – You will earn a maximum of 50 SMART$ per month.
    • Limitations on the additional discounts on grocery purchases – The additional 10% discount at house brands at Giant, Cold Storage and Guardian outlets are not valid on online transactions.

    Citibank SMRT Card

    Enjoy SMRT$ rebate on all grocery purchases at select stores. Get more rebate when making purchases at FairPrice Xtra Kallang Wave. Also earn rebates on other purchases made using Citibank SMRT credit card.

    Pros of Using the Citibank SMRT Card:

    • SMRT$ rebate on grocery purchases – Earn rebates on your grocery purchases in the following way:
      • Get 5% rebate at FairPrice, Giant and Sheng Siong on a minimum purchase amount of S$50. Get 3% rebate on purchases below S$50.
      • Get up to 7.3% rebate on purchases made at FairPrice Xtra Kallang Wave.
    • SMRT$ rebate on dining – Enjoy up to 5% rebate when dining at Burger King, KFC, McDonald’s, Pizza Hut, BreadTallk, Subway, PastaMania, Sakae Sushi and Toast Box.
    • SMRT$ rebate on coffee - Enjoy up to 5% rebate at Starbucks Coffee, Coffee Bean & Tea Leaf, Dome Café, Coffee Club, Gloria Jean’s Coffee and The Connoisseur Concerto.
    • SMRT$ rebate on online shopping – Get 3% rebate on online shopping transactions.
    • Additional benefits – Enjoy free EZ-Reload Auto Top-Up transactions with no convenience fees.

    Cons of Using the Citibank SMRT Card:

    • Minimum spend requirement – You must spend a minimum amount of S$300 per month to earn full rebates on your purchases. If you fail to meet this requirement, you will earn 0.3% less on all transactions.
    • SMRT$ accumulation cap – You cannot accumulate more than 600 SMRT$ per Qualifying Period (12 months).

    HSBC Visa Platinum Credit Card

    Enjoy cash rebate on grocery purchases across all supermarkets in Singapore. Additionally, this card also offers cash rebates on fuel purchases, recurring bill payments and dining.

    Pros of Using the HSBC Visa Platinum Credit Card:

    • Cash rebate on grocery expenses – You will earn up to 5% cash rebate on your grocery essentials across all supermarkets and grocery stores.
    • Cash rebate on recurring bill payments – Enjoy 5% cash rebate on all your recurring cable, mobile, internet and TV bills.
    • Cash rebate on petrol purchases – Enjoy an instant discount of 16% at Shell and Caltex petrol stations + earn up to 5% cash rebate on your fuel purchases.
    • Cash rebate on dining purchases – Enjoy up to 2% cash rebate on your dining expenses.

    Cons of Using HSBC Visa Platinum Credit Card:

    • Minimum spend requirement:
      • Grocery – Earn 5% cash rebate if you spend at least S$800 per month on this card. If you spend a minimum of S$400, then you will get 3% cash rebate.
      • Petrol purchases - Earn 5% cash rebate if you spend at least S$800 per month on this card. If you spend a minimum of S$400, then get 3% cash rebate.
      • Dining - Earn 2% cash rebate if you spend at least S$800 per month on this card. If you spend a minimum of S$400, then you will get 1% cash rebate.
    • Cap on cash rebate – The cash rebate per quarter on this card is capped at S$120 per account.

    Maybank Family & Friends Card

    Enjoy cash rebates on grocery purchases made in Singapore as well as Malaysia. Also get cash rebate on fast food delivery outlets, petrol and transport expenses, bookstores and more.

    Pros of Using Maybank Family & Friends Card:

    • Cash rebate on grocery purchases:
      • Enjoy 8% cash rebate at the following supermarkets in Singapore – NTUC FairPrice, X-tra and Finest and Cold Storage.
      • Enjoy 8% cash rebate at the following supermarkets in Malaysia – Giant, TESCO, AEON BIG and Pacific Hypermarket.
    • Cash rebate on health & wellness purchases – Enjoy 8% cash rebate at leading stores such as Unity NTUC Healthcare, Guardian, Watsons and more.
    • Cash rebate on petrol and transport expenses – Enjoy 8% cash rebate on bus, train and taxi rides + petrol purchases in leading fuel stations in Singapore and Malaysia.
    • Cash rebate on other purchases – Earn 8% cash rebate on select fast food delivery merchants, learning & retail outlets such as POPULAR Bookstore and Toys ‘R’ Us and leisure & attraction such as theme parks in Malaysia. Earn 0.3% cash rebate on all other purchases.
    • Additional benefits:
      • Enjoy discounts and complimentary access to JetQuay.
      • Get 3X interest on Maybank Family Plus for your children’s savings when you spend on this card.

    Cons of Using Maybank Family & Friends Card:

    • Minimum spend requirement – To earn 8% cash rebate on select categories, you must spend a minimum amount of S$1,000 per calendar month. If you fail to meet this requirement, you will earn a flat cash rebate of 0.3% on all transactions.
    • Cap of cash rebate – You will earn a maximum cash rebate of S$600 per calendar year.

    POSB Everyday Card

    Earn cash rebate on all your daily expenses including groceries, personal care products, dining, petrol and more.

    Pros of Using POSB Everyday Card:

    • Cash rebate on grocery purchases – Earn 5% cash rebate on your grocery purchases at Sheng Siong.
    • Cash rebate on health, beauty & personal care – Earn 3% cash rebate on your purchases at Watsons.
    • Cash rebate on dining – Enjoy cash rebate up to 14% on your dining expenses until September 30, 2017.
    • Petrol purchases – Enjoy petrol savings up to 20.1% at SPC.
    • Cash rebate on recurring telecommunication bills – Get 1% cash rebate on your utility bills at SP Services and recurring TV, broadband and mobile bills at StarHub.
    • Cash rebate on other purchases – Get 0.3% cash rebate on all other purchases.

    Cons of Using POSB Everyday Card:

    • Cash rebate cap on groceries – You will earn cash rebate on your grocery purchases up to S$1,000 spend every month.
    • Cash rebate cap on recurring telecommunication bills – You will earn cash rebate on your recurring bills up to S$100 spend every month.

    Compare best grocery shopping credit cards in Singapore

    Credit Card

    Savings

    Earning Limit

    Minimum Spend Required

    Other Perks

    UOB Delight Credit Card

    Cash rebate up to 8% at Market Place, Cold Storage, Giant, Jasons and Guardian.

    Additional discount of 10% at more than 4,000 house brands at Giant, Cold Storage and Guardian outlets.

    Free home delivery on your purchases of minimum $150 in 1 receipt at Parkway, Giant IMM, Tampines and VivoCity.

    50 SMART$ per month.

    S$800 per month to earn 8% cash rebate.

    Between S$400 and S$799 per month to earn 3% cash rebate.

    3% cash rebate on recurring telecommunication bills.

    3% cash rebate on contactless payment transactions.

    0.3% cash rebate on all other transactions.

    Save up to 21.7% on fuel at Shell and Esso stations with UOB Fuel Power.

    Exclusive dining benefits throughout the year.

    Citibank SMRT Card

    Get 5% rebate at FairPrice, Giant and Sheng Siong on a minimum purchase amount of S$50.

    3% rebate on purchases below S$50.

    Up to 7.3% rebate on purchases made at FairPrice Xtra Kallang Wave.

    600 SMRT$ per Qualifying Period (12 months).

    S$300 per month.

    Up to 5% rebate when dining at Burger King, KFC, McDonald’s, Pizza Hut, BreadTallk, Subway, PastaMania, Sakae Sushi and Toast Box.

    Up to 5% rebate at Starbucks Coffee, Coffee Bean & Tea Leaf, Dome Café, Coffee Club, Gloria Jean’s Coffee and The Connoisseur Concerto.

    3% rebate on online shopping.

    Free EZ-Reload Auto Top-Up transactions with no convenience fees.

    HSBC Visa Platinum Credit Card

    Up to 5% cash rebate on grocery purchases at all supermarkets and grocery stores.

    S$120 per quarter.

    S$800 per month to earn 5% cash rebate.

    S$400 per month to earn 3% cash rebate.

    5% cash rebate on all your recurring cable, mobile, internet and TV bills.

    Up to 5% cash rebate on fuel purchases.

    Up to 2% cash rebate on dining.

    Maybank Family & Friends Card

    8% cash rebate at the following supermarkets in Singapore – NTUC FairPrice, X-tra and Finest and Cold Storage.

    8% cash rebate at the following supermarkets in Malaysia – Giant, TESCO, AEON BIG and Pacific Hypermarket.

    S$600 per calendar year.

    S$1,000 per calendar month.

    8% cash rebate at leading stores such as Unity NTUC Healthcare, Guardian, Watsons, etc.

    8% cash rebate on bus, train and taxi rides + petrol purchases in leading fuel stations in Singapore and Malaysia.

    8% cash rebate on select fast food delivery merchants, learning & retail outlets such as POPULAR Bookstore and Toys ‘R’ Us and leisure & attraction such as theme parks in Malaysia.

    0.3% cash rebate on all other purchases.

    POSB Everyday Card

    5% cash rebate at Sheng Siong.

    Cash rebate on a maximum spend of S$1,000 per month.

    No minimum spend requirement.

    3% cash rebate at Watsons.

    Up to 14% on dining until September 30, 2017.

    Petrol savings up to 20.1% at SPC.

    1% cash rebate on utility bills at SP Services and recurring TV, broadband and mobile bills at StarHub.

    0.3% cash rebate on all other purchases.

    How to choose the best grocery shopping credit card in Singapore

    If you’re looking to own a credit card for all your grocery purchases and daily essentials, here are a few tips to decide which credit card is the best for you:

    • Most grocery shopping credit cards offer the maximum cashback/rebate at select grocery stores and supermarkets. Therefore, pick a card that offers high cashback on the stores that you usually shop at.
    • If you set a budget for your grocery shopping every month, compare your budget with the minimum spend requirement on the credit card to earn maximum rebates. This is because if you don’t meet this requirement, you won’t be getting the full cashback under the grocery category. Instead, you will earn a flat rate which will not earn you much.
    • Pick a credit card that can also balance your other daily expenses that you are most likely to use this card for such as recurring bills, personal care products, dining, etc. This way, you will not only earn points on your grocery shopping but also other daily expenses. This will help you maximize your cashback/rebate on your card.
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