Best Grocery Credit Cards 2021

Find out which credit cards are best to use at NTUC FairPrice, Cold Storage, Giant, Sheng Siong and RedMart. Read More
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Citibank logo
MoneySmart Exclusive
No Expiry on Cash Back Earned

Citi Cash Back+ Mastercard®

Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Unlimited
Get award-winning Sony WH-1000XM4 Noise-Cancelling Headphones (worth $549) or $350 Cash via PayNow - delivered right to your doorstep when you apply for a Citi Credit Card!
Valid until 15 Apr 2021 - See more details below
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HSBC logo
Online Promo
Cashback for Family Spending

HSBC Visa Platinum Credit Card

Cash Back on All Grocery Spend
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600
Online Promo:
Get up to $200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $60 cashback. Valid till 30 April 2021. T&Cs apply.
Valid until 30 Apr 2021 - See more details below
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Citibank logo
MoneySmart Exclusive
Cashback on Dining, Groceries & Grab

Citi Cash Back Card

Cash Back on Dining, Groceries & Petrol
Up to 8%
Total Cash Back Cap, per month
S$80 per category
Min. Spend per month
S$800
Get award-winning Sony WH-1000XM4 Noise-Cancelling Headphones (worth $549) or $350 Cash via PayNow - delivered right to your doorstep when you apply for a Citi Credit Card!
Valid until 15 Apr 2021 - See more details below
Apply Now
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POSB logo
Online Promo
Earn Cash Rebates that Never Expire

POSB Everyday Card

Cash Rebates on SPC, Sheng Siong and Watsons
Up to 6%
Cash Back Cap per month
S$50
Min. Spend per month
S$0
Online Promo:
Get S$150 Cashback or up to 38,000 miles when you apply online for a DBS/POSB Credit Card with the promo code “150CASH”!
Valid until 14 Apr 2021 - See more details below
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American Express logo
Online Promo

American Express CapitaCard

on Eligible Purchases of Goods & Services
6X STAR$
at selected Capitaland mall outlets
Additional 10X STAR$
Capped per month
S$1,200
Online Promo:
Get 120,000 STAR$ when you make a min. spend of S$2400 within the first 2 months of card approval!
Valid until 30 Jun 2021 - See more details below
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UOB logo

UOB One Card

Cash Back on Daily Essentials
Up to 10%
Rebate Cap per quarter
S$300
Min. Spend per month, per quarter
S$2,000
Apply Now
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Citibank logo
No Minimum Spend for Cashback

Citibank SMRT Card

Cash Back on Selected Grocery Stores
5%
Cash Back Cap per year
S$600
Min. Spend per month
S$300
Apply Now
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UOB logo

UOB Lady's Card

on All Categories
S$5 = 10X UNI$
N/A
Min. Spend
0
Apply Now
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OCBC logo

NTUC Plus! Visa Credit Card

Cash Back at FairPrice Stores and Warehouse Club
Up to 12%
LinkPoints on All Visa Spend outside FairPrice group
0.22%
Min. Spend per month
S$400
Apply Now
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OCBC logo

OCBC Plus! Visa Credit Card

Cash Back at FairPrice Stores and Warehouse Club
7%
LinkPoints on All Visa Spend outside FairPrice group
0.22%
Min. Spend per month
S$500
Apply Now
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OCBC logo
High Spend on Dining

OCBC 365 Credit Card

Cashback on Local, Overseas and Online Groceries
3%
Cashback Cap per month
S$80
Min. Spend per month
S$800
Apply Now
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Maybank logo
Online Promo

Maybank Family & Friends Card

Cash Rebate at all Groceries stores in Singapore and Malaysia
Up to 8%
Cash Rebate on All Other Spend
0.3%
Cash Rebate Cap per month
S$80
Online Promo:
Get S$100 Cash Credit with Maybank Credit Cards and CreditAble!
Valid until 30 Jun 2021 - See more details below
Apply Now
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Bank of China logo

Bank of China Family Card

Cash Back at Supermarket
3%
Min. Spend per month
S$800
Cashback cap per month
S$25
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ICBC logo

ICBC Global Travel MasterCard Credit Card

Cash Back on Local Spend
1.5%
Cash Back on Overseas Spend
3%
Min. Spend per month
S$0
Read More
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ICBC logo

ICBC Chinese Zodiac Credit Card

Cash Back on All Spend
1.6%
Spend per month
S$0
Cash Back Cap
Unlimited
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ICBC logo

ICBC Horoscope Credit Card

Cash Back on Overseas Grocery Spend
3%
Min. Spend per month
S$0
Cash Back Cap
Unlimited
Read More
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Bank of China logo

Bank of China Sheng Siong Card

Cash Back Cap on Sheng Siong
Up to 12%
Cash Back Cap on Sheng Siong
Up to $75
Additional cash rebate on Sheng Siong purchases
Up to 6%
Read More
More Details

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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.

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.