Best Grocery Credit Cards 2018

Updated November 2018

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

UOB Delight Card
Excellent
UOB Delight Card
Excellent

Up to 8%

Cash Back at Selected Grocery Stores

S$50

Cash Back Cap per month

S$800

Min. Spend per month

  • Get up to $120 cash credit when you apply online

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 Rate25.90%
Principle Annual Fee$86
Supplementary Annual Fee53.5
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 AssociationVisa
Wireless PaymentVisa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
Bank of China Sheng Siong Card
Excellent
Bank of China Sheng Siong Card
Excellent

Up to 12%

Cash Back at Sheng Siong

S$90

Cash Back Cap per month

S$400

Min. Spend per month

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 Rate28.88%
Principle Annual Fee$30
Supplementary Annual Fee$15
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentN/A
Bank of China Family Card
Excellent
Bank of China Family Card
Excellent

5%

Cash Back at Supermarket

S$40

Cash Back on Groceries per month

S$700

Min. Spend per month

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 Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationVisa
Wireless PaymentN/A
POSB Everyday Card
Very Good
POSB Everyday Card
Very Good

5%

Cash Back at Sheng Siong

S$50

Cash Back Cap per month

S$0

Min. Spend per month

  • Enjoy 10% cash rebates on overseas spend
  • Online Exclusive: Up to 20% cash rebates

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
Very Good
UOB One Card
Very Good

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 $170 cash credit when you apply online and for the One Account

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
Very Good
American Express CapitaCard
Very Good

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

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
HSBC Visa Platinum Credit Card
Very Good
HSBC Visa Platinum Credit Card
Very Good

5%

Cash Back on All Grocery Spend

S$250

Cash Back Cap per quarter

S$600

Min. Spend per month, per quarter

  • Option 1: Get a Samsonite Astra 55cm luggage (worth S$350)
  • Option 2: S$100 Cash Back

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
DBS Live Fresh Card
Very Good
DBS Live Fresh Card
Very Good

Up to 5%

Cash Back on Contactless Payments

S$60

Total Spend Cap per month

S$600

Min. Spend per month

  • Online Exclusive: Up to S$150 cashback
  • Win a pair of SQ Suites return tickets to one of these 5 locations

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
Very Good
NTUC Plus! Visa Credit Card
Very Good

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
Very Good
OCBC Plus! Visa Credit Card
Very Good

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
Satisfactory
OCBC 365 Credit Card
Satisfactory

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
DBS Black Visa Card
Satisfactory
DBS Black Visa Card
Satisfactory

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
  • Win a pair of SQ Suites return tickets to one of these 5 locations

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
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