Best Grocery Credit Cards 2019

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Cash Back on Dining, Grab, Groceries & Petrol

S$25 per category

Cash Back Cap per month

S$888

Min. Spend per month

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

More details

Grocery Features

8% cash back on supermarkets and grocery stores worldwide
8% cash back also applicable for groceries delivery (including honestbee and RedMart)
Total min. retail spend of S$888/month, 8% cash back capped at S$25 per category
For retail spend less than S$888 and/or other retail spend categories, 0.25% cash back is awarded, no cap on cash back earned

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	MasterCard, Visa
Wireless Payment	Visa payWave, MasterCard PayPass, Samsung Pay, Citi Pay

Get $200 Vouchers

Citibank SMRT Card

Cash Back on Selected Grocery Stores

S$600

Cash Back Cap per year

S$300

Min. Spend per month

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Cash Back on Selected Grocery Stores

S$600

Cash Back Cap per year

S$300

Min. Spend per month

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

More details

Grocery Features

Up to 5% savings on Groceries. 4.7% (For transactions above $50. If transaction is $50 and below, 2.7% awarded instead) + 0.3% (If monthly card spend is at least $300)
Grocery - NTUC FairPrice, Giant, Sheng Siong, NTUC FairPrice Xtra Kallang Wave (up to 7.3% savings) only
Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres

Annual Interest Rate and Fees

Annual Interest Rate	26.90%
Principle Annual Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Minimum Monthly Repayment	1% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$42,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Samsung Pay, Citi Pay

Maybank Family & Friends Card

Up to 8%

Cash Rebate at selected grocery merchants in Singapore and Malaysia

0.3%

Cash Rebate on All Other Spend

S$600

Cash Rebate Cap per year

Get S$50 cash credit (Samsonite Orfeo 69cm Spinner FULLY REDEEMED)

Up to 8%

Cash Rebate at selected grocery merchants in Singapore and Malaysia

0.3%

Cash Rebate on All Other Spend

S$600

Cash Rebate Cap per year

More details

Grocery Features

Up to 8% cash rebate at selected merchants
Merchants include Cold Storage and NTUC FairPrice (Singapore) and Giant, TESCO, and more (Malaysia)
Get 0.3% cash rebate on all other spend with no cap on cash rebates

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$180
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$20, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Samsung Pay, Maybank Pay

Popular Grocery Credit Cards

UOB Delight Card

Up to 8%

Cash Back at Selected Grocery Stores

S$50

Cash Back Cap per month

S$800

Min. Spend per month

Up to 8%

Cash Back at Selected Grocery Stores

S$50

Cash Back Cap per month

S$800

Min. Spend per month

More details

Grocery Features

8% or 3% cash rebate at Cold Storage, Market Place, Jasons, Giant, and Guardian. Minimum spend: S$800/S$400 per month respectively.
10% discount on house brands at Cold Storage, Giant, and Guardian
Up to 3% rebate on ALL contactless payments and selected recurring bills
Free home delivery at Giant IMM, Parkway, Tampines, VivoCity with S$150 min. spend in a single receipt
0.3% cashback on spends less than S$400 and on all other spends

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$86
Supplementary Annual Fee	53.5
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

Bank of China Sheng Siong Card

Up to 12%

Cash Back at Sheng Siong

S$90

Cash Back Cap per month

S$400

Min. Spend per month

Up to 12%

Cash Back at Sheng Siong

S$90

Cash Back Cap per month

S$400

Min. Spend per month

More details

Grocery Features

7% cash rebate at Sheng Siong with no minimum spend, capped at $70 per month
Additional 5% cash rebate at Sheng Siong with out-store spend of $400 monthly, capped at $20 per month
Additional 5% cash rebate consist of 3% + 2% cash rebate where the 2% cash rebate at Sheng Siong is valid till 31 Dec 2018

Annual Interest Rate and Fees

Annual Interest Rate	28.88%
Principle Annual Fee	$30
Supplementary Annual Fee	$15
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	N/A

Bank of China Family Card

Cash Back at Supermarket

S$40

Cash Back on Groceries per month

S$700

Min. Spend per month

Cash Back at Supermarket

S$40

Cash Back on Groceries per month

S$700

Min. Spend per month

More details

Grocery Features

5% cashback at all major supermarkets and hypermarkets in Singapore
Cashback cap at $100 per month where cap is at S$40 per month for groceries

Annual Interest Rate and Fees

Annual Interest Rate	28.88%
Principle Annual Fee	$190
Supplementary Annual Fee	$95
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	Visa
Wireless Payment	N/A

POSB Everyday Card

Cash Back at Sheng Siong

S$50

Cash Back Cap per month

S$0

Min. Spend per month

Enjoy up to S$250 cashback
Enjoy 10% cash rebates on overseas spend

Cash Back at Sheng Siong

S$50

Cash Back Cap per month

S$0

Min. Spend per month

More details

Grocery Features

5% cash rebate with Sheng Siong
S$50 cash rebate cap per calendar month (maximum spend of S$1,000 per calendar month)
Cash rebate awarded in Daily$

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	Available
Minimum Monthly Repayment	3% or $80, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay

UOB One Card

Up to 5%

Cash Back on All Spend

S$300

Cash Back Cap per quarter

S$2,000

Min. Spend per month, per quarter

Get up to $150 cash credit when you apply online with selected savings accounts

Up to 5%

Cash Back on All Spend

S$300

Cash Back Cap per quarter

S$2,000

Min. Spend per month, per quarter

More details

Grocery Features

Up to 5% cash rebate on all spend each quarter (min. spend $2,000/month for all 3 months)
Up to 3.33% cash rebate on all spend each quarter (min. spend $500/month or $1,000/month for all 3 months)

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	1st supplementary card free; $96.30 for subsequent cards
Fee Waiver	Available
Minimum Monthly Repayment	3% of S$50, whichever is higher
Interest Free Period	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

American Express CapitaCard

6X STAR$

on Eligible Purchases of Goods & Services

Additional 10X STAR$

at selected Capitaland mall outlets

S$1,200

Capped per month

Get S$20 NTUC Voucher
Get S$60 CapitaVouchers AND an American Tourister Erie 64/24 luggage

6X STAR$

on Eligible Purchases of Goods & Services

Additional 10X STAR$

at selected Capitaland mall outlets

S$1,200

Capped per month

More details

Grocery Features

S$1 = 5 STAR$ on all spend
S$1 = 10 STAR$ at CapitaLand Malls on eligible purchases
All STAR$ earned are credited directly into your CAPITASTAR account, capped at S$1,200 per calendar month
5,000 STAR$ = S$5 CapitaVoucher / 10,000 STAR$ = S$10 CapitaVoucher / 50,000 STAR$ = S$50 CapitaVoucher

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$171
Supplementary Annual Fee	85.6
Fee Waiver	Available
Minimum Monthly Repayment	3% or $50, whichever is higher
Interest Free Period	22 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$60,000

Other

Card Association	American Express
Wireless Payment	Apple Pay, Samsung Pay, Google Pay

Get up to S$250

HSBC Visa Platinum Credit Card

Cash Back on All Grocery Spend

S$250

Cash Back Cap per quarter

S$600

Min. Spend per month, per quarter

MoneySmart Exclusive: Get S$150 worth of Grab Rides + Up to S$100 Cashback

Cash Back on All Grocery Spend

S$250

Cash Back Cap per quarter

S$600

Min. Spend per month, per quarter

MoneySmart Exclusive: Get S$150 worth of Grab Rides + Up to S$100 Cashback

More details

Grocery Features

5% cash rebate on all grocery spend with min. S$600 spend/month for all 3 months in a calendar quarter
S$250 cap per account per quarter

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	0.0
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay

DBS Live Fresh Card

Up to 5%

Cash Back on Contactless Payments

S$60

Total Spend Cap per month

S$600

Min. Spend per month

Enjoy up to S$250 cashback
Enjoy a 6D5N trip to Mexico, Design your own shoes, and Dine with Mr. Sabotage

Up to 5%

Cash Back on Contactless Payments

S$60

Total Spend Cap per month

S$600

Min. Spend per month

More details

Grocery Features

Online shopping and payment via contactless methods get 5% cashback
Contactless Payments: Visa payWave, Apple Pay, Samsung Pay, Google Pay

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$128
Supplementary Annual Fee	64.2
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

NTUC Plus! Visa Credit Card

Up to 12%

Cash Back at FairPrice Stores and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$400

Min. Spend per month

Up to 12%

Cash Back at FairPrice Stores and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$400

Min. Spend per month

More details

Grocery Features

Up to 12% rebates at FairPrice stores and Warehouse Club with salary credit

Annual Interest Rate and Fees

Annual Interest Rate	25.92%
Principle Annual Fee	N/A
Supplementary Annual Fee	Complimentary, up to 3 supplementary cards
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

OCBC Plus! Visa Credit Card

Cash Back at FairPrice Stores and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$500

Min. Spend per month

Cash Back at FairPrice Stores and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$500

Min. Spend per month

More details

Grocery Features

Enjoy 7% rebate at FairPrice and 3% rebate at Fairprice Online

Annual Interest Rate and Fees

Annual Interest Rate	25.92%
Principle Annual Fee	$107
Supplementary Annual Fee	Complimentary, up to 3 supplementary cards
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

OCBC 365 Credit Card

Cashback on Local, Overseas and Online Groceries

S$80

Cashback Cap per month

S$800

Min. Spend per month

Cashback on Local, Overseas and Online Groceries

S$80

Cashback Cap per month

S$800

Min. Spend per month

More details

Grocery Features

3% cashback on local and overseas groceries
3% cashback on online local and overseas groceries e.g. Redmart, FairPrice Online and Honestbee
Min. spend of $800/month, cap S$80/month

Annual Interest Rate and Fees

Annual Interest Rate	26.88%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	23 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay

DBS Black Visa Card

S$5 = 3X Points

per S$5 Spent via Visa payWave

Unlimited

Cash Back cap

S$0

Min. Spend per month

Get 6% Cashback on Dining, Groceries, or Shopping

S$5 = 3X Points

per S$5 Spent via Visa payWave

Unlimited

Cash Back cap

S$0

Min. Spend per month

More details

Grocery Features

3X DBS Points per S$5 spent on all local Visa payWave purchases
1X DBS Point per S$5 spent on all other purchases

Annual Interest Rate and Fees

Annual Interest Rate	25.90%
Principle Annual Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	Visa, American Express
Wireless Payment	Visa payWave, Apple Pay, Samsung Pay, Google Pay