Why Trust MoneySmart?Choosing the best credit card for groceries in Singapore isn’t just about picking the card with the flashiest headline rate. It’s about matching your primary supermarket—like NTUC FairPrice, Cold Storage, Sheng Siong, or Giant—to the right card.
Many credit cards in Singapore are designed around key supermarket brands and reward you if you do most of your grocery shopping at their partner merchants. Don’t worry if you’re a roving bargain hunter—there are also great all-rounder cards that work at virtually every supermarket.
Top picks by supermarket
NTUC FairPrice:
Up to 21% savings on FairPrice groceries and food for NTUC Union members who meet monthly spend requirements.
$0 annual fee.
No foreign transaction fees.
Best value is unlocked by spending at least $700/month outside FairPrice Group.
Sheng Siong and other local supermarkets:
Up to 5% rebate (in SMRT$) across groceries, online shopping, taxis, and SimplyGo, capped at 600 SMRT$ per year.
Minimum $500 monthly spend to maximise rebates.
2-year fee waiver, $196.20 annual fee thereafter.
Cold Storage, Giant and general groceries:
Up to 8% cashback at all major supermarkets including Cold Storage and Giant.
Up to 10% cashback with bonus partners like Grab, McDonald’s, Shopee, and utilities (with min. spend tier).
First-year fee waiver; $196.20 annual fee after.
Everyday, any supermarket:
3% cashback on groceries, land transport, utility bills, and food delivery.
Requires minimum $800/month spend for best rates.
Fee waived for 2 years; thereafter $196.20 annual.
Best all-rounders (Any supermarket)
Maybe you shop at a variety of stores—FairPrice, Sheng Siong, Cold Storage, even wet markets. If you want a grocery card that works everywhere and don’t want to be tied to a single merchant ecosystem, these are your go-tos:
Citi Cash Back+ Card: 1.6% unlimited cashback on all eligible spending—no minimum spend, no fussing over categories or caps. First year annual fee waived, $196.20 after.
UOB One Card: Up to 8% cashback on all major supermarkets when qualifying spending tiers are met ($600/$1,000/$2,000 per month).
OCBC 365 Credit Card: 3% cashback on groceries, 5% on dining, transport, streaming services; spend $800 per month for rates. Cashback capped at $80 per month.
Quick comparison table
Credit Card | Maximum Rebate | Main Supermarket/Usage | Minimum Monthly Spend | Annual Fee |
Up to 21% | NTUC FairPrice Group | Spend at least $700 outside FairPrice for top rate | $0 | |
5% (rebate in SMRT$) | Sheng Siong, online shopping, transport | $500 | $196.20 (2-yr waiver) | |
8%–10% | Cold Storage, Giant, all major SG supermarkets | $600–$2,000 for highest tier | $196.20 (1st yr waiver) | |
3% groceries, 5% dining, transport | All supermarkets | $800 for best rates | $196.20 (2-yr waiver) | |
1.6% cashback everywhere | All supermarkets, all spending | $0 | $196.20 (1st yr waiver) |
Note: Minimum spend requirements and annual fee waivers vary—always check that your usual grocery habits match the qualifying conditions and read up on specific bonus terms before applying. The best rewards are unlocked when you optimise grocery spend at your card’s core partner merchants.
If you shop for groceries mostly online (including RedMart, Amazon Fresh, etc.), consider a card-combo that earns air miles instead of just cashback. For advanced users, pairing a miles-earning card (like the Citi Rewards Card) with payment solutions such as Amaze can help you rack up up to 4 miles per dollar on groceries purchased through online platforms.
Not sure which card is right for you? Ask yourself:
Which supermarket do you visit most?
What’s your average monthly grocery bill?
Do you value cashback or air miles more?
Once you’ve figured those out, you’ll be in position to pick the card that will squeeze the most value out of every grocery run.
