• Credit Cards that Offer the Best Rebates for Supermarkets

    Credit Card BYTES FROM OUR KITCHEN

    In the present day, supermarkets have pretty much replaced our bulk whole foods and grocery shopping from other small merchant shops purely because of the savings that they offer. Supermarkets are a one stop shopping hub for all larger goods, items, products or anything else you can think of. Many of the leading banks and financial institutions are now realizing the significance of the role that these supermarkets play in our day to day life and offering credit cards that carry exclusive rebates, rewards, points and cashback when we use these cards to make purchases at supermarkets. Some of the best credit cards that are ideal for using at supermarkets come from Maybank, ANZ, Citibank, Bank of China and many more that can maximize your savings with every swipe.

    Top Credit Cards in Singapore offering Rebates for Supermarkets Purchases

    1. ANZ Platinum Card

      ANZ has introduced the Bonus Rewards Programme that gives its customers more reward points on their purchases using their ANZ Credit Card.

      ANZ Platinum Card offers its customers 6X Rewards Points when they use their credit card to purchase groceries at the following outlets –

      • Giant
      • Cold Storage
      • MarketPlace
      • NTUC Fair Price (this includes NTUC X’tra)
      • NTUC Finest
      • Jason’s

      Points to Note

      • Only purchases made at Singapore operations will be considered for this promotion.
      • The total eligible spend will be rounded off to the nearest SGD 100. The bonus points will be awarded for every SGD 100 spent.
      • The bonus reward points are capped at SGD 7800 per calendar month. Beyond the mentioned cap, cardmembers will continue to earn regular reward points for every SGD 5 that they spend on this credit card.
      • All the reward points earned will be credited to the Principal cardmember’s account.
      • ANZ bank will credit the reward points earned within 45 days at the end of every calendar month.
    2. Citibank SMRT Platinum Visa Card

      Citibank offers its customers up to 7% savings on groceries at select supermarkets that include the following –

      • Giant
      • Sheng Siong
      • FairPrice Supermarkets (this includes FairPrice, FairPrice Xtra and FairPrice Finest)
      • FairPrice Xtra – Kallang Wave

      Find below the illustration of your savings when you make purchases from the participating supermarkets in Singapore using your Citibank SMRT Platinum Visa Card –

      Participating Merchant Earned from SMRT$* Earned from Citi Rebate Total Savings
      Giant 5 percent 2 percent 7 percent
      Sheng Siong 5 percent 2 percent 7 percent
      FairPrice Supermarkets 5 percent Not Applicable 5 percent
      FairPrice Xtra - Kallang Wave 7.3 percent Not Applicable 7.3 percent

      Points to Note

      • SMRT$ that can be earned for a 12 month period is capped at 280 SMRT$. This will commence from the issue date of your Citibank SMRT Platinum Visa Card OR the date printed on your statement of account in the month when your Citibank SMRT Platinum Visa Card is renewed.
      • You will awarded with 5 SMRT$ for transactions that are worth a minimum of SGD 50 and above. You will earn 3 SMRT$ for transactions that are below SGD 50.
      • Citi Rebates are only offered for purchases made at Giant and Sheng Siong. You will earn 2% Citi Rebate for transactions that are SGD 50 and above. You will earn 1% Citi Rebate for transactions that are worth a minimum of SGD 20 and up to SGD 50.
      • If your monthly statement purchase is less that SGD 600, then the SMRT$ you will earn will be 0.3% lesser.
      • You can redeem 1 SMRT$ for SGD 1 worth of vouchers.
    3. HSBC Visa Platinum Card

      HSBC offers its customers of up to 5% cash rebate on grocery purchases at all supermarkets and grocery stores across the island when they use their HSBC Visa Platinum Card to make the payment.

      Find below an illustration of the cash rebates you will enjoy on your HSBC Visa Platinum Card for your grocery purchases

      Item / Product Minimum purchase worth SGD 400 per month for all 3 months of a calendar quarter Minimum purchase worth SGD 800 per month for all 3 months of a calendar quarter
      Grocery Purchases 3 percent 5 percent

      Points to Note

      • The rebate earned is capped at SGD 120 per quarter, per account.
      • The earned rebates will be credited into the eligible cardmember’s account within 2 months at post each quarter.
      • Grocery merchants implies all merchants in Singapore whose main business activity is classified as a grocery store or a supermarket. The main business activity and the eligibility here is determined by the business classification of the merchant outlet which in turn is determined by the acquiring bank of the specific merchant.
    4. Maybank Family & Friends Platinum MasterCard

      Maybank offers its cardmembers 5% cash rebate when they use their Maybank Family & Friends Platinum MasterCard to make payments for their daily essentials at participating grocery outlets and supermarkets.

      The following are the participating grocery outlets and supermarkets eligible for 5% cash rebate when you use your Maybank Family & Friends Platinum MasterCard –

      Merchants Details
      Cold Storage This applies to all outlets that accept payments through Maybank Credit Cards (not applicable at Cold Storage Specialty)
      Fairprice / Fairprice Finest /
      Fairprice X- tra
      This applies to all outlets that accept payments through Maybank Credit Cards (not applicable at NTUC Warehouse Club)
      Leading petrol stations in Malaysia
      • BHPetrol
        Applicable at all BHPetrol stations across Malaysia
      • Caltex
        Applicable at all Caltex stations across Malaysia
      • Petron 
        Applicable at all Petron stations across Malaysia
      • Petronas
        Applicable at all Petronas stations across Malaysia
      • Shell
        Applicable at all Shell stations across Malaysia
      Leading hypermarts in Malaysia
      • AEON BIG (formerly known as Carrefour)
        Applicable at all AEON BIG outlets across Malaysia
      • Giant
        Applicable at all Giant outlets across Malaysia
      • TESCO
        Applicable at all TESCO outlets across Malaysia
      • Pacific Hypermart
        Applicable at all Pacific Hypermart outlets across Malaysia

      You can save on your groceries expenses in the following way when you use your Maybank Family & Friends Platinum MasterCard to make the payment –

      Item / Product Amount Cash Rebate Cash Rebates Earned Monthly
      Grocery Stores and Supermarket expenses SGD 300 5 percent SGD 15

      Note: The values mentioned in this table are strictly for illustrative purpose only.

      Points to Note

      • The cash rebate is only applicable at outlets that accept credit card payments.
      • To be eligible for the 5% cash rebate, you must spend a minimum of SGD 500 per calendar month.
      • The eligible transactions for the 5% cash rebate must be posted by you within the calendar month. If not, then you will earn 0.3% cash rebate for your transactions.

    HONORABLE MENTIONS

    POSB Everyday Card

    POSB is offering its cardmembers up to 6% cash rebate on the everyday essentials at POSB’s participating merchant outlets.

    POSB Everyday supermarket partners include –

    • SPC
    • Sheng Siong – get up to 5% cash rebate for your groceries
    • Watsons – get 3% cash rebate on your health, beauty and personal care products
    • POPULAR – get 1% cash rebates at POPULAR and UrbanWrite

    Points to Note

    • Cash rebate on Sheng Siong will be awarded on a maximum purchase of SGD 1000 per calendar month (equivalent to SGD 50 daily spend).
    • The 1% cash rebate on POPULAR does not include POPULAR outlets in schools.

    OCBC 365 Credit Card

    OCBC offers its cardmembers 3% cash back on their grocery purchases across all supermarkets on the island when they use their OCBC 365 Credit Card to make the payment.

    Points to Note

    • A minimum purchase of SGD 600 per calendar month is required to earn the 3% cashback on groceries. Purchases below SGD 600 will be awarded a flat 0.3% cashback.
    • The maximum cashback that can be earned per calendar month is capped at SGD 80.

    OCBC Plus! Visa Credit Card

    Maximize your savings and be rewarded for your daily expenses when you use your OCBC Plus! Visa Credit Card to make the purchases at participating merchants of OCBC.

    • FairPrice and FairPrice Online – 5% off on all items and products
    • Unity - 5% off on all items and products
    • POPULAR - 3% off on all items and products
    • You will also up to 50% when you make purchases at other OCBC participating merchants

    Points to Note

    • The 5% discount at FairPrice and FairPrice Online is only valid with a minimum purchase of SGD 20 at FairPrice.
    • The 5% discount at FairPrice and FairPrice Online is only valid with a minimum purchase of SGD 15 at Unity.

    Bank of China Family Rebate Card

    The Bank of China Family Rebate Card offers its customers 1% cash rebate when they use their card to make purchases at any supermarket and other selected merchants in Singapore.

    Points to Note

    • You will receive a 1% cash rebate on your grocery purchases if your monthly statement is above SGD 1000. Otherwise you will receive 0.5% cash rebate if your monthly statement is below SGD 1000.

    If the main expense on your credit card is the purchase of your everyday essentials, then these credit cards can help maximize your savings and the rebates, rewards and cashback that you can earn. Visit your nearest bank branch and apply for the credit card that suits your needs the best. Many banks and financial institutions also have online applications for their popular credit cards where you can directly apply for your favorite credit card without having to step out of the comforts of your home. Some also provide same day approval and delivery of the credit card.

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