Best Grocery Credit Cards - Singapore

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Singapore Grocery Credit Cards

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Citibank SMRT Card

Must Have Card

Excellent

Up to 5% savings on 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 $300)
Grocery - FairPrice, Giant, Sheng Siong, FairPrice Xtra Kallang Wave (up to 7.3% savings) only
Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres

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Annual Fees and Rates

Principal Annual Fee $160.50 per year
Supplementary Annual Fee $85.60 per year
Fee Waiver 2 years fee waiver for Principal and two (2) Supplementary cards
Annual Interest Rate 28%

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $42,000 per year

Things to look out for

Maximum 600 SMRT$ awarded for every 12 month period
Redeem SMRT$ for cash rebate instantly via SMS
Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres
Card can be used as an EZlink card for public transportation
Additional SMRT$ of up to 10% awarded for purchase at Sheng Shiong, Subway, Starbucks, Cedele and more
Online Spend excludes all travel-related merchants worldwide, including Airlines, Air Carriers, Car Rental Agencies, Lodging, Travel Agencies & Tour Operators, Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines and Other Transportation Services, Direct Marketing Travel-Related Arrangement Services

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BOC Sheng Siong Card

Must Have Card

Excellent

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 2017

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Annual Fees and Rates

Principal Annual Fee S$30
Supplementary Annual Fee S$15
Fee Waiver First year fee waived for Principal and Supplementary card
Annual Interest Rate 25.88%

Eligibility

Singaporean Minimum Income S$30,000 per year
S$15,000 per year(For those between 55-65 years old)
Non-Singaporean Minimum Income S$60,000 per year

Things to look out for

Out-Store Spend under additional 5% cash rebate for Sheng Siong transactions refers to local and foreign retail transactions made outside of Sheng Siong
Total Retail Spend under Transport cash rebate refers to all local and foreign retail purchases including Sheng Siong Spend, transport transactions, dining, online purchases etc
Additional 5% cash rebate at Sheng Siong consists of 3% + 2% cash rebate where the 2% cash rebate at Sheng Siong is valid till 31 Dec 2017, with minimum out-of-store spend of $400 per month, capped at $20 per month
*Applicable for customers who (i) spend at least S$1,500 per month on their BOC Sheng Siong Card, (ii) credit a minimum salary of S$6,000 per month into their BOC accounts and (iii) pay 3 bills (minimum S$30 per bill) per month from their BOC MCS accounts. T&Cs apply. Insured up to S$50K by SDIC
To apply, SMS BOCCARD[space]SSMS[space]NAME to 79777

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Citi Cash Back Card

Must Have Card

Excellent

8% cash back at all supermarkets & grocery stores worldwide
8% cash back also applicable for food & groceries delivery (including Foodpanda, Deliveroo, honestbee, RedMart)
Total minimum spend of S$888/statement month, 8% cash back capped at S$25 per category (Dining, Grab rides, Groceries, Petrol). For spend less than S$888 and/or other spend, 0.25% cash back is awarded, no cap on 0.25% cash back earned

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Annual Fees and Rates

Principal Annual Fee $192.60 per year
Supplementary Annual Fee $96.30 per year
Fee Waiver First year fee waived for Principal and two (2) Supplementary cards
Annual Interest Rate 28%

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $42,000 per year

Things to look out for

0.25% base cash back rate
7.75% additional cash back (minimum spending of $888)
Cashback cap of $25 per bonus category (Petrol, Dining, Groceries)
Once you accumulate S$50 or more cash back in a month, it will be automatically credited to your statement in multiples of S$10

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DBS Black Visa Card

Excellent

5% Cashback on Groceries at all supermarkets and online grocery stores like Honestbee & RedMart with a minimum spend of S$700 per calendar month, capped at S$70 per month (only for New Black Cardmembers with card approved between 1 June to 30 September 2017)
3X DBS Points per S$5 spent on all local Visa payWave purchases
1X DBS Point per S$5 spent on all other purchases

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Annual Fees and Rates

Principal Annual Fee $192.60 per year
Supplementary Annual Fee $96.30 per year
Fee Waiver 1 year fee waiver
Annual Interest Rate 25.90%

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $45,000 per year

Things to look out for

1X DBS Point for all other transactions
3X Rewards (3 DBS Points or 6 miles for every S$5 spend) for all local contactless Visa payWave transactions

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UOB Delight Card

Excellent

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
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 spend

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Annual Fees and Rates

Principal Annual Fee $85.60 per year
Supplementary Annual Fee $53.50 per year
Fee Waiver 1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate 25.9%

Eligibility

Singaporean Minimum Income S$30,000
Non-Singaporean Minimum Income S$40,000

Things to look out for

3% cashback rate for Bills (minimum spending $400)
3% cashback rate for Groceries (spending $400-799)
0.3% cashback rate for all categories (no minimum spending)
No cap to the amount of SMART$ earned for transactions made at SMART$ Merchants
Rebates will be issued in SMART$

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American Express CapitaCard

Very Good

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

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Annual Fees and Rates

Principal Annual Fee S$171.20
Supplementary Annual Fee S$85.60
Fee Waiver 1 year fee waiver and perpetual fee waiver for first 2 Supplementary cards
Annual Interest Rate N/A

Eligibility

Singaporean Minimum Income S$30,000
Non-Singaporean Minimum Income S$60,000

Things to look out for

Enjoy 3 hour free parking daily with minimum spend of $1,200 per calendar month
S$1=5 STAR$
Earn 30,000 STAR$ (S$30 Capital vouchers) when you refer a friend
Your friend gets 20,000 STAR$ (S$20 Capita Vouchers)

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UOB One Card

Very Good

Up to 5% cash rebate on all spend each quarter (min. spend $2,000/month for all 3 months)
Additional 10% rebate on mobile payments with a minimum spend of S$500 per Qualifying Period (10 Aug-31 Aug, 1 Sep-30 Sep, 1 Oct-31 Oct); Valid till 31 Oct 2017
Up to 3.33% cash rebate on all spend each quarter (min. spend $500/month or $1,000/month for all 3 months)

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Annual Fees and Rates

Principal Annual Fee $192.60 per year
Supplementary Annual Fee 1st Supplementary Card Free; $96.30 for subsequent cards
Fee Waiver 1 year fee waiver, perpetual fee waiver for first supplementary card
Annual Interest Rate 25%

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $40,000 per year

Things to look out for

Tier 1 Cashback: $50, monthly spend between $500 - $999
Tier 2 Cashback: $100, monthly spend between $1,000 - $1,999
Tier 3 Cashback: $300, monthly spend $2,000 and above
Cashback awarded quarterly
* Maximum effective interest rate (EIR) on the One Account is 2.43% p.a. for deposits of S$50,000, provided customers meet both criterias of S$500 Card Spend and S$2,000 salary credit or 3 GIRO debits per month
^Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law

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Maybank Family & Friends Card

Very Good

Enjoy 8% cash rebates with min. spend of S$1,000 at NTUC Fairprice, Cold Storage and Unity
Receive 5% cash rebates with min. spend of S$500 at these selected merchants
Earn 0.3% cash rebates on all other purchases and/or if spending is below S$500

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Annual Fees and Rates

Principal Annual Fee $80 per year
Supplementary Annual Fee Complimentary
Fee Waiver Waived with min. spend of $12,000 p.a.
Annual Interest Rate 24%

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $60,000 per year

Things to look out for

0.3% cashback for all categories if expenditure is below $500 ($50 cashback cap per month)
5% cashback for Shopping, Groceries and Dining if expenditure is $500 and above (0.3% cashback for all other categories)
$50 total cashback cap per month

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HSBC Visa Platinum Credit Card

Satisfactory

3% cash rebate on all grocery spend with min. S$400 spend/month for all 3 months in a calendar quarter
5% cash rebate on all grocery spend with min. S$800 spend/month for all 3 months in a calendar quarter
S$120 or S$60 cap per account per quarter depending on minimum spend tier

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Annual Fees and Rates

Principal Annual Fee $180 per year
Supplementary Annual Fee Complimentary
Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of $12,500 p.a.
Annual Interest Rate 25%

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $40,000 per year

Things to look out for

S$120 cash rebate cap - min. spend of S$800 for all 3 months per calendar quarter
S$60 cash rebate cap - min. spend of S$400 for all 3 months per calendar quarter

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Citi Rewards Card

Satisfactory

Up to 2% Citi Rebate at Cold Storage, Giant, Sheng Siong, and many more (for transactions of S$50 and above)
4200 Points (1400 Miles) = S$10 voucher. Redeemable at Isetan, Meidi-ya, and many more
1% Citi Rebate is awarded for transactions of S$20 to less than S$50
$1 = 1 Rewards Point (All other spend)

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Annual Fees and Rates

Principal Annual Fee $192.60 per year
Supplementary Annual Fee $96.30 per year
Fee Waiver First year fee waived for Principal and two (2) Supplementary cards
Annual Interest Rate 28%

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $42,000 per year

Things to look out for

Rewards points are earned as Citi Dollars
Monthly expenditure cap of $1,000 for bonus categories
No cap for all other categories
Redeem points through the Citi ThankYou Rewards programme

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Citi PremierMiles Visa Card

Satisfactory

Earn up to 2% Citi Rebate at Cold Storage, Giant, Sheng Siong, and many more (for transactions of S$50 and above)
1% Citi Rebate is awarded for transactions of S$20 to less than S$50

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Annual Fees and Rates

Principal Annual Fee $192.60 per year
Supplementary Annual Fee Complementary
Fee Waiver No fee waiver
Annual Interest Rate 28%

Eligibility

Singaporean Minimum Income $50,000 per year
Non-Singaporean Minimum Income $50,000 per year

Things to look out for

10,000 Citi Miles upon membership renewal
Citi Miles never expire
No cap on annual miles accrual
For groceries, min. spend for Citi Rebate ranges from $30 to $50 at different participating merchants

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Standard Chartered SingPost Platinum Visa Credit Card

Satisfactory

2% Cashback on supermarket purchases (min. $600 spend/month)
0.2% Cashback on other retail purchases, cashback up to $720 a year ($60 per month)

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Annual Fees and Rates

Principal Annual Fee S$192.60
Supplementary Annual Fee Free
Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of S$5,000 p.a.
Annual Interest Rate 24.455%

Eligibility

Singaporean Minimum Income S$30,000
Non-Singaporean Minimum Income S$60,000

Things to look out for

Min. spend of S$600 per month to enjoy 7% cashback on online purchases and 2% on supermarket purchases
Base rate of 0.2% if min. spend is not met
20% off shipping fees with vPost (Promo code SCB20B). T&Cs apply

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POSB Everyday Card

Satisfactory

Get 5% cash rebate when you shop for your groceries at Sheng Siong
No minimum spend required

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Annual Fees and Rates

Principal Annual Fee $192.60 per year
Supplementary Annual Fee $96.30 per year
Fee Waiver N/A
Annual Interest Rate N/A

Eligibility

Singaporean Minimum Income N/A
Non-Singaporean Minimum Income N/A

Things to look out for

14% Cash Rebate on online food delivery and up to 9% Cash Rebate on dining spend promotions valid till 30 Sep 2017 (min. spend of S$600 per month)
Get 1% cash rebate on your recurring StarHub bills and on your in-store purchases
Get 1% cash rebate on your recurring utilities bills from SP services

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OCBC Plus! Visa Credit Card

Satisfactory

Enjoy 7% off everything at Fairprice and 3% Fairprice Online
Free delivery at www.fairprice.com.sg
Earn 0.22% LinkPoints rewards on all Visa spend

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Annual Fees and Rates

Principal Annual Fee $80 per year
Supplementary Annual Fee Complimentary, up to 3 supplementary cards
Fee Waiver No annual fees for the first year. Automatic fee waiver from the 2nd year onwards when you charge at least S$2,500 in Visa transactions to your card per annum.
Annual Interest Rate N/A

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $45,000 per year

Things to look out for

Annual fee waiver with a minimum spend of S$2,500 per year
One year period begins from month of card issuance

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OCBC NTUC Plus! Visa Credit Card

Satisfactory

Enjoy 12% off everything at FairPrice with salary credit
Free delivery for groceries at www.fairprice.com.sg
Earn 0.22% LinkPoints rewards on all Visa spend

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Annual Fees and Rates

Principal Annual Fee $0 per year
Supplementary Annual Fee Complimentary, up to 3 supplementary cards
Fee Waiver Prevailing NTUC membership fee applies
Annual Interest Rate N/A

Eligibility

Singaporean Minimum Income $30,000 per year
Non-Singaporean Minimum Income $45,000 per year

Things to look out for

Earn an annual fee waiver with a minimum spend of S$2,500 in one year
One year period begins in the month of card issuance

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Best Grocery Credit Cards 2017

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Singapore Grocery Credit Cards

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