Best Grocery Credit Cards 2024

Find out which credit cards are best to use at NTUC FairPrice, Cold Storage, Giant, Sheng Siong and RedMart. Read More
We found 27 Credit Cards for you!
UOB logo
MoneySmart Exclusive
AMAZING APRIL PROMOTION
Promotion ends in
Cash Back at DFI Retail Group
Up to 10%
Cashback Cap per quarter
Up to S$500
Min. Spend per month
S$500

[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Apple 11-inch iPad Pro, 128GB (worth S$1,272.30) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
 
PLUS get 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 14 Apr 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
Standard Chartered logo
MoneySmart Exclusive
1.5% UNLIMITED CASHBACK
Cash Back on Eligible spend
Up to 1.5%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

Get a Nintendo Switch OLED (worth S$549) or a Hinomi Q1 Ergonomic Chair (worth S$499) or a Apple Watch SE (worth S$382.50) or a Apple AirPods Pro (worth S$365.70) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 Foldable Bike (worth S$399) or up to S$370 Cash via PayNow* when you apply and meet the relevant spend criteria! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Earn up to 4 miles per S$1 | Instant Activation*
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

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or a Lenovo Tab M10 Gen 3 (worth S$299.01) when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 14 Apr 2024 - See more details below
Apply Now
Citibank logo
MoneySmart Exclusive
LUCKY DRAW | GET UP TO S$18,000 WORTH OF PRIZES
Cash Back on Groceries
Up to 6%
Total Cash Back Cap
S$80
Min. Spend to unlock the 6% Cashback
S$800

[FASTER GIFT REDEMPTION | GIVEAWAY]
Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!
 
PLUS stand a chance to get a Rolex Submariner 124060 (worth S$15,521) or an Apple iPhone 15 Pro, 128GB (worth S$1,664.25) or a Sony PlayStation®5 (SLIM) Digital Edition (worth S$669) when you apply through MoneySmart! T&Cs apply.

Valid until 21 Apr 2024 - See more details below
Apply Now
UOB logo
MoneySmart Exclusive
AMAZING APRIL PROMOTION
Base Earn Rate
S$5 = 1X UNI$ (or 2 miles)
Category of Choice
S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)
Min. Spend
S$0

[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Apple 11-inch iPad Pro, 128GB (worth S$1,272.30) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
 
PLUS get 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 14 Apr 2024 - See more details below
Apply Now
HSBC logo
MoneySmart Exclusive
Earn up to 5% Cash Rebate | Instant Activation*
Cash Back on All Grocery Spend
5%
Cash Rebate Cap per quarter
S$250
Min. spend monthly in a calendar quarter
S$600

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or a Lenovo Tab M10 Gen 3 (worth S$299.01) when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 14 Apr 2024 - 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 25,000 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 30 Jun 2024 - See more details below
Apply Now
UOB logo
MoneySmart Exclusive
AMAZING APRIL PROMOTION
Cash Back on Eligible Spend
1.7%
Min. Spend per month
S$0
Cash Back Cap
Unlimited

[Amazing April Promotion | CASH BONUS]
Stand a chance to get an Apple 11-inch iPad Pro, 128GB (worth S$1,272.30) when you apply through MoneySmart! The first 6 successful applicants who submit the claim form at 2pm or 9pm can also receive a S$88 Cash Bonus via PayNow! T&Cs apply.
 
PLUS enjoy 10% cashback (equivalent to S$100) on the first S$1,000 spend within thirty days and get S$350 Cash Credit from UOB when you 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 14 Apr 2024 - 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$196.20 (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 30 Apr 2024 - See more details below
Apply Now
DBS logo
Online Promo
at yuu merchants, with no min. spend and no cap
S$1 = 10X yuu Points
when you spend S$600 Qualifying Spend at yuu merchants in a calendar month
Additional bonus 26X yuu Points
on all other spend
S$1 = 1X yuu Point
Online Promo:
New Cardmembers can get S$388 cashback when you successfully apply for a DBS yuu Visa Card and make a min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
DBS logo
Online Promo
at yuu merchants, with no min. spend and no cap
S$1 = 10X yuu Points
when you spend S$600 Qualifying Spend at yuu merchants in a calendar month
Additional bonus 26X yuu Points
on All Other Spend
S$1 = 1X yuu Point
Online Promo:
New Cardmembers can get S$388 cashback when you successfully apply for a DBS yuu American Express Card and make a min. spend of S$800 within 60 days of card approval. T&Cs apply.

Existing Cardmembers can get S$60 cashback when you successfully apply for a DBS yuu American Express Card and make a min. spend of S$300 within 30 days of card approval. T&Cs apply.
Valid until 31 May 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$388 Cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 31 May 2024 - See more details below
Apply Now
OCBC logo
Earn up to 1.8% unlimited cashback
on eligible transactions
Earn 1.6% Cashback
Min. Spend
S$0
Cashback Cap
Unlimited
Read More
OCBC logo
High Spend on Dining
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
Read More
OCBC logo
Earn Miles That Don't Expire
on Foreign Currency Spend
S$1 = 2.1 Miles
on Local Spend
S$1 = 1.3 Miles
Minimum Spend
S$0
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
American Express logo
for every S$1 spent on eCapitaVoucher purchases, capped at S$1,200 monthly
Earn up to 15 STAR$®
at participating Merchants at Heartlands CapitaLand Malls
Earn up to 20 STAR$®
at participating Merchants in CapitaLand Malls in Town
Earn up to 30 STAR$®
Read More
Trust Bank logo
Online Promo
savings on groceries and food
Up to 21%
petrol savings (on Caltex and Esso)
Up to 20%
FX Fees
0%
Online Promo:
Get up to S$70 FairPrice E-Vouchers when you sign up with referral code <MONEYSMT>.  T&Cs apply. 
Valid until 30 Sep 2024 - See more details below
Apply Now
Maybank logo
Earn up to 8% Cashback
cashback at selected merchants
8%
cashback on all other spend
0.3%
Fee Waiver
3 years annual fee waived
Apply Now

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.