Best Grocery Credit Cards 2019

Updated March 2019

Get up to 8% cash rebate or extra rewards points when you spend on groceries. Compare grocery credit cards with exclusive benefits for grocery shopping and find the best one.

Popular Grocery Credit Cards

HSBC Visa Platinum Credit Card

5%

Cash Back on All Grocery Spend

S$250

Cash Back Cap per quarter

S$600

Min. Spend per month, per quarter

  • Get a Samsonite Astra 55cm luggage (worth S$350) OR S$100 Cash Back + S$20 worth of Grab rides + Samsonite Backpack

5%

Cash Back on All Grocery Spend

S$250

Cash Back Cap per quarter

S$600

Min. Spend per month, per quarter

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 Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
POSB Everyday Card

5%

Cash Back at Sheng Siong

S$50

Cash Back Cap per month

S$0

Min. Spend per month

5%

Cash Back at Sheng Siong

S$50

Cash Back Cap per month

S$0

Min. Spend per month

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 Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or $80, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard 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

  • Redeem an Oasis 500ml Stainless Steel Thermal Bottle
  • Get S$100 worth of free Grab rides

Up to 5%

Cash Back on All Spend

S$300

Cash Back Cap per quarter

S$2,000

Min. Spend per month, per quarter

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 Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee1st supplementary card free; $96.30 for subsequent cards
Fee WaiverAvailable
Minimum Monthly Repayment3% of S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa 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 CapitaLand 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

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 Rate25.90%
Principle Annual Fee$171
Supplementary Annual Fee85.6
Fee WaiverAvailable
Minimum Monthly Repayment3% or $50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationAmerican Express
Wireless PaymentApple Pay, Samsung Pay, Google 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

Up to 5%

Cash Back on Contactless Payments

S$60

Total Spend Cap per month

S$600

Min. Spend per month

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 Rate25.90%
Principle Annual Fee$128
Supplementary Annual Fee64.2
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa 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

  • Enjoy deals from SCORE Program Benefits

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

Grocery Features

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

Annual Interest Rate and Fees

Annual Interest Rate25.92%
Principle Annual FeeN/A
Supplementary Annual FeeComplimentary, up to 3 supplementary cards
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
OCBC Plus! Visa Credit Card

7%

Cash Back at FairPrice Stores and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$500

Min. Spend per month

  • Enjoy deals from SCORE Program Benefits

7%

Cash Back at FairPrice Stores and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$500

Min. Spend per month

Grocery Features

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

Annual Interest Rate and Fees

Annual Interest Rate25.92%
Principle Annual Fee$107
Supplementary Annual FeeComplimentary, up to 3 supplementary cards
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
OCBC 365 Credit Card

3%

Cashback on Local, Overseas and Online Groceries

S$80

Cashback Cap per month

S$800

Min. Spend per month

3%

Cashback on Local, Overseas and Online Groceries

S$80

Cashback Cap per month

S$800

Min. Spend per month

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 Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
UOB Lady's Card
  • Get S$100 worth of free Grab rides

Grocery Features

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty 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

S$5 = 3X Points

per S$5 Spent via Visa payWave

Unlimited

Cash Back cap

S$0

Min. Spend per month

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 Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
ICBC Global Travel MasterCard Credit Card

1.5%

Cash Back on Local Spend

3%

Cash Back on Oversea Spend

S$0

Min. Spend per month

1.5%

Cash Back on Local Spend

3%

Cash Back on Oversea Spend

S$0

Min. Spend per month

Grocery Features

  • 1.5% unlimited cash back on Local Spend
  • 3% unlimited cash back on Overseas Spend
  • No miminum spend required
  • No Cap on cash back

Annual Interest Rate and Fees

Annual Interest Rate24.00%
Principle Annual Fee$150
Supplementary Annual FeeS$75
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$30,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
ICBC Chinese Zodiac Credit Card

1.6%

Cash Back on All Spend

S$0

Spend per month

Unlimited

Cash Back Cap

1.6%

Cash Back on All Spend

S$0

Spend per month

Unlimited

Cash Back Cap

Grocery Features

  • Earn 1.6% unlimited cash back on all spends (Local and Overseas)
  • No minimum spend required
  • No cap on the cash back

Annual Interest Rate and Fees

Annual Interest Rate24.00%
Principle Annual Fee$150
Supplementary Annual FeeS$75
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$30,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
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