Best Grocery Credit Cards in Singapore 2026
Find out which credit cards are best to use at NTUC FairPrice, Cold Storage, Giant, Sheng Siong and RedMart.
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Best Grocery Credit Cards in Singapore (2025)
| Grocery Credit Cards | Cash Rebate | Minimum Spend |
|---|---|---|
| Grocery Credit CardsCiti Cash Back Card | Cash Rebate8% cashback at all supermarkets | Minimum SpendS$888 |
| Grocery Credit CardsMaybank Family & Friends Card | Cash Rebate 5% or 8% cashback at all supermarkets | Minimum SpendS$80 |
| Grocery Credit CardsHSBC Visa Platinum Credit Card | Cash Rebate 5% cashback at all supermarkets | Minimum SpendS$600 |
| Grocery Credit CardsDBS Live Fresh Card | Cash Rebate 5% cashback online & payWave | Minimum SpendS$1000 |
| Grocery Credit CardsCitibank SMRT Card | Cash Rebate Up to 5% at NTUC FairPrice, Giant, Sheng Siong | Minimum SpendS$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
What credit card gives you 6% back on groceries in Singapore?
The Citi Cash Back Card gives you exactly 6% cashback on groceries at supermarkets coded under MCC 5411, including NTUC FairPrice, Cold Storage, Giant, and Sheng Siong. You must spend at least S$800 monthly across retail transactions; if not, cashback falls to 0.2%. The 6% rate is capped at S$25/month, meaning you hit the cap at about S$417 spend.