Best Grocery Credit Cards 2025

Find out which credit cards are best to use at NTUC FairPrice, Cold Storage, Giant, Sheng Siong and RedMart. Read More
We found 28 Credit Cards for you!
OCBC 365 Credit Card
MoneySmart Exclusive
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

Enjoy an UPSIZED 1,960 SmartPoints or S$130 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply. Use your SmartPoints earned to redeem ANY product from our Rewards Store.
 
[OCBC Lucky Draw]
PLUS stand a chance to win a trip for 2 to the Star Wars Celebration 2025 in JapanT&Cs apply.

Valid until 28 Feb 2025 - See more details below
Apply Now
Citi Cash Back+ Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK
Promotion ends in
Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

Get S$350 Cash or 6,140 SmartPointsand a Circles.Life 3-month 150GB 4G Plan + 1TB 5G Local Data (worth S$65) in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply. 
   
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 12,280 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!

Valid until 13 Feb 2025 - See more details below
Apply Now
Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive
Earn 1.5% Unlimited Cashback
Promotion ends in
on Eligible spend
1.5% Cash Back
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

Get S$380 Cash via PayNow or earn 5,040 SmartPoints  when you apply and meet the spend criteria! T&Cs applyAnd stand chance to win a Porsche Taycan Base (2025) in SC Million Reasons to be Happier Lucky Draw! T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 11,180 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!

Valid until 13 Feb 2025 - See more details below
Apply Now
OCBC INFINITY Cashback Card
MoneySmart Exclusive
Earn 1.6% unlimited cashback
on eligible transactions
Earn 1.6% Cashback
Min. Spend
S$0
Cashback Cap
Unlimited

Enjoy an UPSIZED 1,960 SmartPoints or S$130 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply. Use your SmartPoints earned to redeem ANY product from our Rewards Store.
 
[OCBC Lucky Draw]
PLUS stand a chance to win a trip for 2 to the Star Wars Celebration 2025 in JapanT&Cs apply.

Valid until 28 Feb 2025 - See more details below
Apply Now
UOB One Card
Online Promo
UPSIZED CASHBACK | Up to 20% Cashback!
Cash Back at DFI Retail Group
Up to 20%
Cashback Cap per quarter
Up to S$500
Min. Spend per month
S$500
Online Promo:
Get up to 20% cashback on daily favourites like Shopee, Grab, McDonald's, SimplyGo & DFI Retail Group AND get S$50 McDonald's Vouchers when you are a new-to-UOB credit card customer and meet the relevant minimum spend criteria! T&Cs apply.
Valid until 28 Feb 2025 - See more details below
Apply Now
OCBC 90°N Visa Card
MoneySmart Exclusive
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

Enjoy an UPSIZED 1,960 SmartPoints or S$130 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply. Use your SmartPoints earned to redeem ANY product from our Rewards Store.
 
[OCBC Lucky Draw]
PLUS stand a chance to win a trip for 2 to the Star Wars Celebration 2025 in JapanT&Cs apply.

Valid until 28 Feb 2025 - See more details below
Apply Now
UOB Lady's Card
Up to 10 Miles per S$1 spent
Base Earn Rate
S$5 = 1X UNI$ (or 0.4 miles per S$1)
Category of Choice
S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)
Min. Spend
S$0
Apply Now
Maybank Family & Friends Card
Online Promo
Earn up to 8% Cashback
at all supermarkets (including online grocery stores)
Up to 8% Cashback
on Malaysian Ringgit and Indonesia Rupiah spend
Up to 8% Cashback
Cashback Per Month
Up to S$150
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 Cashback when you apply for a new Maybank Credit Card and spend a min. of S$1,300 in Eligible Transactions within the first two months upon card approval. T&Cs apply.
Valid until 28 Feb 2025 - See more details below
Apply Now
UOB Absolute Cashback Card
Unlimited 1.7% Cashback
Cash Back on Eligible Spend
1.7%
Min. Spend per month
S$0
Cash Back Cap
Unlimited
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK
Cash Back on Groceries
Up to 6%
Total Cash Back Cap
S$80
Min. Spend to unlock the 6% Cashback
S$800

Get S$350 Cash or 6,140 SmartPointsand a Circles.Life 3-month 150GB 4G Plan + 1TB 5G Local Data (worth S$65) in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply. 
   
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 12,280 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!

Valid until 13 Feb 2025 - See more details below
Apply Now
DBS yuu Visa Card
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$300 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 30 Apr 2025 - See more details below
Apply Now
Standard Chartered Journey Credit Card (No Annual Fee)
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

Get S$180 Cash via PayNow when you apply through MoneySmart and spend a min. of S$500 in eligible transactions within 30 days from card approval date! T&Cs apply.
 
PLUS stand a chance to win a Porsche Taycan Base (model year 2025) in SC Million Reasons to be Happier! T&Cs apply. Earn up to 25,000 Miles when you sign up for the Journey Credit Card, meet the eligible spends and waive your card's first year Annual Fee. T&Cs apply.

Valid until 13 Feb 2025 - See more details below
Apply Now
POSB Everyday Card
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$300 Cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
Apply Now
DCS Sheng Siong Card
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:
Get a CATERPILLAR Industrial Plate Trunk (Medium) Luggage Bag (worth S$320) 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 2025 - See more details below
Apply Now
DBS yuu American Express® Card
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$300 cashback when you successfully apply for a DBS yuu Visa Card and make a min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 30 Apr 2025 - See more details below
Apply Now
Citi SMRT Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | EARN UP TO 5% SMRT$
on Online Purchases, Groceries, Taxi, Ride-hailing & Public Transport
5% Savings
on Other Retail Spend
0.3% Savings
Min. Spend per month to earn max rebates
S$500

Get S$370 Cash or 6,140 SmartPoints, and a Circles.Life 3-month 150GB 4G Plan + 1TB 5G Local Data (worth S$65) in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply. 
 
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 12,280 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!

Valid until 13 Feb 2025 - See more details below
Apply Now
American Express CapitaCard
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
NTUC Link Credit Card by Trust
savings on groceries and food
Up to 21%
petrol savings (on Caltex and Esso)
Up to 20%
FX Fees
0%
Read More
DBS Vantage Visa Infinite Card
Online Promo
Miles or Cashback – you decide
Local Spend
S$1 = 1.5 miles or 1.5% cashback
Overseas Spend
S$1 = 2.2 miles or 2.2% cashback
when you pay the Card's Annual Fee
25,000 Bonus Miles
Online Promo:
Get up to 60,000 miles (for New Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 28 Feb 2025 - See more details below
Apply Now
DBS Live Fresh Student Card
on All Other Spend
0.3% Cashback
on selected Eco-Retailers
Additional 5% Cashback
Spending Cap
S$500
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 (2025)

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.

background image

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.