Best Grocery Credit Cards 2019

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Dec 2019.

Cash Back on Dining, Groceries & Petrol

S$25 per category

Cash Back Cap per month

S$888

Min. Spend per month

MoneySmart Exclusive: Get S$200 Cash via PayNow! Applies to new to bank customers. Claim HereValid till 31 Dec 2019.

More Details

Grocery Features

Important – Go to MoneySmart Claim Form to submit your (1) Contact Details and (2) Unique Reference Number (URN) for your S$200 Gift
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

Citibank SMRT Card

Cash Back on Selected Grocery Stores

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

Cash Back on Selected Grocery Stores

S$600

Cash Back Cap per year

S$300

Min. Spend per month

Online Promotion: Get S$120 cash back when you spend S$1,200 in the first 3 monthsValid till 31 Dec 2019.

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 all Groceries stores in Singapore and Malaysia

0.3%

Cash Rebate on All Other Spend

S$80

Cash Rebate Cap per month

Up to 8%

Cash Rebate at all Groceries stores in Singapore and Malaysia

0.3%

Cash Rebate on All Other Spend

S$80

Cash Rebate Cap per month

More Details

Grocery Features

Up to 8% cash rebate at selected merchants
Cash rebates for groceries including offline and online merchants
Merchants include NTUC Fairprice/Finest/X-tra, Cold Storage, Market Place, Jasons, Giant, Sheng Siong, RedMart, Honestbee and all other groceries stores and supermarkets in Singapore and 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

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

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

Cash Back on All Grocery Spend

S$250

Cash Back Cap per quarter

S$600

Min. Spend per month, per quarter

Online Promotion: Get a Samsonite T5 Spinner (worth S$560) OR S$150 Cash Back with min. spend of $800 in first month of card approval + S$20 worth of Grab rides!Valid till 31 Dec 2019.

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

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 Jul 2019
During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate	28.88%
Principle Annual Fee	$32
Supplementary Annual Fee	S$16.05
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	Visa payWave

POSB Everyday Card

Cash Back at Sheng Siong

S$50

Cash Back Cap per month

S$0

Min. Spend per month

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

Cash Back at Sheng Siong

S$50

Cash Back Cap per month

S$0

Min. Spend per month

Online Promotion: Enjoy S$120 cashbackValid till 31 Mar 2020.

More Details

Grocery Features

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

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Minimum Monthly Repayment	3.00% or S$50, whichever is higher
Interest Free Period	20 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$45,000

Other

Card Association	MasterCard Contactless
Wireless Payment	MasterCard Contactless

DBS Live Fresh Card

Up to 10%

Cash Back on Contactless Payments

S$Up to S$80

Total Cash Back Cap per month

S$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashback. Valid till 31 Mar 2020.

Up to 10%

Cash Back on Contactless Payments

S$Up to S$80

Total Cash Back Cap per month

S$600

Min. Spend per month

Online Promotion: Enjoy up to S$180 cashback. Valid till 31 Mar 2020.

More Details

Grocery Features

Earn 5% cashback when you pay for your groceries at supermarkets via Visa contactless with a minimum spend of S$600 per calendar month
Earn 5% cashback when you purchase your groceries online (e.g. Redmart, Honestbee) with a minimum spend of S$600 per calendar month

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
Principle Annual Fee	$193
Supplementary Annual Fee	S$96.30
Fee Waiver	1 year
Minimum Monthly Repayment	3.00% 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 Contactless, 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

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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	26.76%
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

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

Cash Back at FairPrice Stores and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$500

Min. Spend per month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

More Details

Grocery Features

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

Annual Interest Rate and Fees

Annual Interest Rate	26.76%
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

Bank of China Family Card

Cash Back at Supermarket

S$25

Cash Back on Groceries per month

S$800

Min. Spend per month

Cash Back at Supermarket

S$25

Cash Back on Groceries per month

S$800

Min. Spend per month

More Details

Grocery Features

3% cashback at all major supermarkets and hypermarkets in Singapore
Base rate: 0.3% on all other purchases and if minimum spend of S$800 per month is not met
Cashback cap at S$25 per month for groceries, online purchases and hospital plus all other spend
During application, please input "MS" under Promo code in your online application form

Annual Interest Rate and Fees

Annual Interest Rate	28.88%
Principle Annual Fee	$203
Supplementary Annual Fee	S$101.65
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	Visa payWave

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

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

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

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

OCBC 365 Credit Card

Cashback on Local, Overseas and Online Groceries

S$80

Cashback Cap per month

S$800

Min. Spend per month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

Cashback on Local, Overseas and Online Groceries

S$80

Cashback Cap per month

S$800

Min. Spend per month

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Dec 2019.

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

UOB Lady's Card

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

S$5 = 10X UNI$

on One Category

S$5 = 1X UNI$

on All Other Spend

1 UNI$ = 2 Miles

Rewards to Miles Conversion

More Details

Grocery Features

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	21 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$40,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

DBS Black Visa Card

S$5 = 3X Points

per S$5 Spent via Visa Contactless Payments

Unlimited

Cash Back cap

S$0

Min. Spend per month

S$5 = 3X Points

per S$5 Spent via Visa Contactless Payments

Unlimited

Cash Back cap

S$0

Min. Spend per month

More Details

Grocery Features

3X DBS Points (or 6 miles) per S$5 spent on all local Visa contactless purchases
1X DBS Point (or 2 miles) per S$5 spent on all other purchases

Annual Interest Rate and Fees

Annual Interest Rate	26.80%
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 contactless, Apple Pay, Samsung Pay, Google Pay

ICBC Global Travel MasterCard Credit Card

1.5%

Cash Back on Local Spend

Cash Back on Overseas Spend

S$0

Min. Spend per month

1.5%

Cash Back on Local Spend

Cash Back on Overseas Spend

S$0

Min. Spend per month

More Details

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 Rate	24.00%
Principle Annual Fee	$150
Supplementary Annual Fee	S$75
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$30,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard 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

More Details

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 Rate	24.00%
Principle Annual Fee	$150
Supplementary Annual Fee	S$75
Fee Waiver	Available
Minimum Monthly Repayment	3% or S$50, whichever is higher
Interest Free Period	25 days

Minimum Income Requirements

Singaporean	$30,000
Foreigner	$30,000

Other

Card Association	MasterCard
Wireless Payment	MasterCard PayPass