Best Grocery Credit Cards 2023

Find out which credit cards are best to use at NTUC FairPrice, Cold Storage, Giant, Sheng Siong and RedMart. Read More
We found 32 Credit Cards for you!
Citibank logo
MoneySmart Exclusive
EARN SMARTPOINTS OR CASH
Cash Back on Groceries
Up to 8%
Total Cash Back Cap
S$80
Min. Spend to unlock the 8% Cashback
S$800

[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
 
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
 
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
 
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
 
Alternatively, you can also choose S$300 Cash via PayNowT&Cs apply
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 17 Dec 2023 - See more details below
Apply Now
OCBC logo
MoneySmart Exclusive
High Spend on Dining | LUCKY DRAW
Cashback on Local, Overseas and Online Groceries
3%
with min. spend of $1,600 per month
Unlock up to $160 Cashback
with min. spend of $800 per month
$80 Cashback per month

[LUCKY DRAW]
Get a Hinomi Q1 Ergonomic Chair (worth S$499) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply.
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart! T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 31 Dec 2023 - See more details below
Apply Now
OCBC logo
Promotion
Cashback
Up to 1.8%
Min. Spend
S$0
Cashback Cap
Unlimited
Promotion:
Receive a De'Longhi Icona Vintage Kettle and Toaster set (worth $298) with S$250 qualifying spend within 30 days upon eligible card approved.

OR receive a 28" Samsonite MINTER Luggage (worth $640) or S$168 Cashback with S$500 qualifying spend within 30 days upon eligible card approved. T&Cs apply
Valid until 31 Dec 2023 - See more details below
Apply Now
UOB logo
MoneySmart Exclusive
Get up to 15% Cashback | LUCKY DRAW
Cash Back on Daily Essentials
Up to 10%
Cashback Cap per quarter
S$500
Min. Spend per month
S$500

[LUCKY DRAW]
Stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
 
PLUS get up to 15% Cashback and S$350 Cash Credit from UOB when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 for 2 consecutive months from card approval date. T&Cs apply!

Valid until 31 Dec 2023 - See more details below
Apply Now
UOB logo
MoneySmart Exclusive
Get up to 6 Miles per S$1 | LUCKY DRAW
when spending on Grocery Category
S$5 = 15X UNI$ (or 30 miles)
on Selected Categories*
S$1 = 6 Air Miles
Min. Spend
S$0

[LUCKY DRAW]
Stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
 
PLUS receive up to S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.

Valid until 31 Dec 2023 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Enjoy Instant Approval* | MoneySmart LUCKY DRAW
on Online Spend and Contactless Payments
S$1 = 10X Points
on All Other Spend
S$1 = 1X Point
for every 10 Points
Earn 4 Miles

[MONEYSMART LUCKY DRAW | REFERRAL]
Stand a chance to win an Apple Watch Series 9 (GPS), 41mm (worth S$599) when you successfully apply for an eligible HSBC Credit Card through MoneySmart.
 
Refer friends and family to boost your lucky draw odds. The more you refer, the better your chances! T&Cs apply.
 
Plus get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$150 Cashback from HSBC when you meet the min. spends of S$1,000 upon card approval required and provide marketing consent. T&Cs apply.

Valid until 15 Dec 2023 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Enjoy Instant Approval* | MoneySmart LUCKY DRAW
Cash Back on All Grocery Spend
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600

[MONEYSMART LUCKY DRAW | REFERRAL]
Stand a chance to win an Apple Watch Series 9 (GPS), 41mm (worth S$599) when you successfully apply for an eligible HSBC Credit Card through MoneySmart.
 
Refer friends and family to boost your lucky draw odds. The more you refer, the better your chances! T&Cs apply.
 
Plus get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$150 Cashback from HSBC when you meet the min. spends of S$1,000 upon card approval required and provide marketing consent. T&Cs apply.

Valid until 15 Dec 2023 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
EARN SMARTPOINTS OR CASH
Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

[6 Weeks Faster Gift Redemption* | SmartRewards | Your Points, Your Choice 🫵]
 
Apply and spend a min. of S$500 in "Qualifying Spends" within 30 days from the card approval date and enjoy the ultimate flexibility to CHOOSE ANY GIFT at our Rewards Store, including:
 
1. Apple iPad Wi-Fi 9th Generation, 64GB (5,040 SmartPoints)
2. Sony WH-1000XM5 Wireless Noise Cancelling Headphones (4,990 SmartPoints)
3. Nintendo Switch OLED (5,000 SmartPoints)
 
OR any other combination of gifts available in the Rewards Store, by earning 5,100 SmartPoints.
 
Alternatively, you can also choose S$300 Cash via PayNowT&Cs apply
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 17 Dec 2023 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
EARN SMARTPOINTS | LUCKY DRAW 🎉🎉
Cash Back on Eligible spend
Up to 1.5%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

[SmartRewards | Your Points, Your Choice 🫵🏻 ]
 
Choose ANY gift you want at our Rewards Store including:
 
1. ErgoTune Classic Ergonomic Chair (3,990 SmartPoints)
2. Titan V1 7 Speed Folding Bike (3,990 SmartPoints)
3. Apple Watch SE (GPS), 40mm (3,830 SmartPoints)
 
Or any other combination of gifts, by earning 4,000 SmartPoints.
 
Alternatively, you can choose to get up to S$350 Cash via PayNow*T&Cs apply.
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 31 Dec 2023 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
Annual Fee Waived
for every S$1 spend on Online Grocery merchants. Capped at 3,000 Miles in a statement cycle
S$1 = 3 Miles
for all Eligible Foreign Spends
S$1 = 2 Miles
for all Eligible Local Spends
S$1 = 1.2 Miles
Earn up to 35,000 Miles when you meet the eligible spends AND have your first year Annual Fee waived when you sign up for the Journey Credit Card. T&Cs apply.

OR, earn up to 45,000 Miles when you meet the eligible spends and pay your card's first year Annual Fee when you sign up. Click here to apply.
Valid until 31 Dec 2023 - See more details below
Apply Now
UOB logo
MoneySmart Exclusive
Get Unlimited 1.7% Cashback | LUCKY DRAW
Cash Back on Eligible Spend
1.7%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

[LUCKY DRAW]
Stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart. T&Cs apply. Check out our past Lucky Draw winners here.
 
PLUS receive up to S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date. T&Cs apply.

Valid until 31 Dec 2023 - See more details below
Apply Now
DCS logo
Online Promo
at Sheng Siong outlets (with no minimum spend)
Up to 5% Rebate
when you spend outside Sheng Siong
Earn Club Rewards Points
Annual Principal Fee
S$194.40 (inclusive of GST)
Online Promo:
Receive a pair of GOTRIP luggage bags (worth S$500) when you apply for a minimum of any 2 eligible DCS cards and spend a minimum of $350 monthly for 2 consecutive months OR apply for an eligible DCS card and spend a minimum of S$450 monthly for 2 consecutive months. T&Cs apply.
Valid until 31 Dec 2023 - See more details below
Apply Now
DBS logo
Online Promo
No limit. No Cap.
S$1 = 1X yuu Point
On participating yuu merchants
5X yuu Points
Points Cap
Unlimited
Online Promo:
Get S$150 cashback (New Cardmembers) or up to S$60 cashback (Existing Cardmembers) when you successfully apply for any DBS yuu Card and make a min. spend of S$300 within 30 days of card approval. T&Cs apply.
Valid until 29 Feb 2024 - See more details below
Apply Now
DBS logo
Online Promo
No limit. No Cap.
S$1 = 1X yuu Point
On participating yuu merchants
5X yuu Points
Points Cap
Unlimited
Online Promo:
Get S$150 cashback (New Cardmembers) or up to S$60 cashback (Existing Cardmembers) when you successfully apply for any DBS yuu Card and make a min. spend of S$300 within 30 days of card approval. T&Cs apply.
Valid until 29 Feb 2024 - See more details below
Apply Now
POSB logo
Online Promo
Earn Cash Rebates that Never Expire
Cash Rebate on Groceries at Sheng Siong
Up to 5%
Cash Rebate on Online Shopping at Redmart
Up to 5%
Cash Rebate on all other spend
0.3%
Online Promo:
Get S$150 Cashback when you apply with promo code 150CASH and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 Jan 2024 - See more details below
Apply Now
OCBC logo
MoneySmart Exclusive
Earn Miles That Don't Expire | LUCKY DRAW
on Foreign Currency Spend
S$1 = 2.1 Miles
on Local Spend
S$1 = 1.3 Miles
Minimum Spend
S$0

[LUCKY DRAW]
Get a Hinomi Q1 Ergonomic Chair (worth S$499) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply.
 
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart! T&Cs apply. Check out our past Lucky Draw winners here.

Valid until 31 Dec 2023 - See more details below
Apply Now
Bank of China logo
Cash Back at Supermarket
3%
Min. Spend per month
S$800
Cashback cap per month
S$25
Read More
ICBC logo
Cash Back on Local Spend
1.5%
Cash Back on Overseas Spend
3%
Min. Spend per month
S$0
Read More
ICBC logo
Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
Read More
Citibank logo
No Minimum Spend for Cashback
Cash Back on Eligible Spend
5%
Cash Back Cap per year
S$600
Min. Spend per month
S$500
Read More

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Grocery Credit Cards in Singapore (2021)

Grocery Credit CardsCash RebateMinimum Spend
Citi Cash Back Card8% cashback at all supermarketsS$888
Maybank Family & Friends Card 5% or 8% cashback at all supermarketsS$80
HSBC Visa Platinum Credit Card 5% cashback at all supermarketsS$600
DBS Live Fresh Card 5% cashback online & payWaveS$1000
Citibank SMRT Card Up to 5% at NTUC FairPrice, Giant, Sheng SiongS$300

How to Choose the Best Credit Card for Groceries

With the cost of living going up every year, no one could blame you for wanting to save a few bucks on your groceries. Although a lot of your supermarket expenses are pretty much unavoidable, you can still save a few bucks with a good cashback credit card. Here’s how to choose the right one for you.

Find Your Favourite Supermarkets

Most Singaporeans have a “go-to” supermarket for their regular shopping. Whether you usually shop at NTUC FairPrice or order on RedMart, make sure you get a credit card that does give cash rebates on that particular chain.

Estimate Your Grocery Spending

Just about every cashback credit card has a minimum spending requirement. Estimate your regular spending to make sure that you can attain it, or else your rebate will fall quite dramatically. If your spending is low or simply unpredictable, consider a credit card with no minimum spend.

Consolidate Other Spending

To maximise your rebates, it’s a good idea to consolidate consistent monthly expenses such as petrol, transport and dining spending on the same grocery credit card. Check out the other bonus categories these credit cards have to offer.

Bonus: Supermarket Loyalty Programmes

To get even more bang for your buck, pair your grocery credit card with your favourite supermarket chain’s loyalty programme. These memberships allow you to earn points and offset future spending. Below are the most common ones:

NTUC Plus!

You do not need to be an NTUC member to get LinkPoints at NTUC FairPrice and Unity. The NTUC Plus! programme is free for anyone to sign up for. All you need to do is download the NTUC Plus! app and register.

PAssion Card

This is a well-known membership programme that lets you earn TapForMore points at Cold Storage, Giant and Guardian. You can get it for free with the PAssion POSB debit card.

Lazada LiveUp

For those who order groceries on RedMart, LiveUp membership lets you get free delivery with a lower minimum spend requirement, plus rebates on your RedMart purchases. You can get this for free with the Citi Lazada credit card.

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Grocery Credit Cards Frequently Asked Questions

Which credit card is best for groceries?

Regardless of which supermarket chain you patronise, there are plenty of great credit cards to choose from in Singapore. Currently, the Citi Cash Back Card and Maybank Family & Friends Card offer the highest cash rebate of 8% on groceries; however, note that both have fairly high minimum spending requirements.

Which credit card is best for NTUC FairPrice?

The “official” credit card for NTUC FairPrice is the NTUC Plus! Visa Credit Card, which gives you up to 12% rebate at NTUC, but you do have to be an NTUC member and jump through a few hoops. If you want less fuss, other credit cards such as the Citi Cash Back Card can still give you a pretty good 8% rebate.

What is the best credit card for groceries and petrol?

If you have no trouble hitting their high minimum spending requirements, you can consider using the Citi Cash Back Card or the Maybank Family & Friends Card for up to 8% rebate on your groceries AND petrol spending. Other options are the HSBC Visa Platinum Card and the NTUC Plus! Visa Card.