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Excellent! ROSHI has found 17 Grocery cards for you.

ICBC Horoscope Credit Card

3.8Good to Excellent

2%Cash Back on Selected Shopping and Dining

3%Cash Back on Overseas Spend

3 yearsAnnual Fee Waiver

  • Up to 6 free visits to VIP lounges located worldwide
Apply Now

On ICBC's website

Card Features

  • Up to 3% unlimited cash back on all overseas spending
  • Complimentary access to Dragon Pass Lounges. Such as Plaza Premium Lounge, SATS Premier Lounge and more
  • Sign-up for your card today and get 6 DragonPass Points in your account. Valid till 31 Dec 2019
  • 3 years Annual Fee Waiver

Annual Interest Rate and Fees

  • Anual Interest Rate24.00%

  • Principle Annual Fee$150

  • Supplementary Annual FeeS$75

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$30,000.00

Other

  • Card AssociationUnionPay

  • Wireless PaymentQuickPass

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Citi SMRT Card

3.8Good to Excellent

5%Cash Back at Selected Grocery Stores

S$600Cash Back Cap per year

S$300Min. Spend per month

  • 2 years fee waiver for Principal and two (2) Supplementary cards
Apply Now

On Citibank's website

Card Features

  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment1% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$42,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Samsung Pay

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UOB Lady’s Card

4.5Good to Excellent

S$5 = 10X UNI$on One Category

S$5 = 1X UNI$on All Other Spend

1 UNI$ = 2 MilesRewards to Miles Conversion

Apply Now

On UOB's website

Card Features

  • 10X UNI$ on your chosen rewards category
  • e-Commerce Protection on online purchases
  • UOB Lady’s LuxePay Plan: 6 or 12-month instalment plan with no interest or processing fees

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

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UOB One Card

4.3Good to Excellent

Up to 10%rebate on Grab

S$300Cash Back Cap per quarter

S$2000Min. Spend per month

Apply Now

On UOB's website

Card Features

  • Up to 5% cash rebate on all spend for spend above S$2,000/month per quarter (up to 3.33% cash rebate for spend of $500 or $1,000 monthly)
  • Up to 24% savings on fuel purchases at SPC and 20.8% at Shell Stations
  • Up to 10% additional SMART$ rebate with UOB SMART$ Rebate Programme at over 400 participating merchants
  • Up to 6% rebate on Singapore Power utilities bill

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$193

  • Supplementary Annual Fee1st supplementary card free, $96.30 for subsequent cards

  • Fee Waiver1 year fee waiver

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period21 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$40,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay

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POSB Everyday Card

4.5Good to Excellent

Up to 15%Cash Rebates for everyday essentials

Up to S$80Cash Rebates cap per month

S$800Min. Spend per month

Apply Now

On POSB's website

Card Features

  • Up to 15% cash rebates on dining and transport
  • Up to 6% cash rebates at SPC, Sheng Siong, Watsons, Starhub, SP Group, Best Electricity, Geneco, iSwitch, Ohm Energy, Tuas Power and Union Power. No minimum spend required
  • Get 0.3% on everything else
  • Use it as an all-in-one card for your daily essentials, MRT/bus rides and ATM cash withdrawals
  • Your cash rebates never expires
  • 1 year fee waiver

Annual Interest Rate and Fees

  • Anual Interest Rate26.80%

  • Principle Annual Fee$193

  • Supplementary Annual FeeS$96.30

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationMasterCard

  • Wireless PaymentMasterCard PayPass

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OCBC Plus! Visa Credit Card

4.2Good to Excellent

7%Cash Back at FairPrice Stores, Unity and Warehouse Club

0.22%LinkPoints on All Visa Spend outside FairPrice group

S$500Min. Spend per month

Apply Now

On OCBC's website

Card Features

  • Enjoy 7% rebates at FairPrice Store, Unity and Warehouse Club and 3% rebate at Fairprice Online
  • Up to 20.6% fuel savings at Esso and 18% fuel savings at Caltex
  • Enjoy 3% rebates at Popular and Cheers
  • First year annual fee waived. Second year annual fee waived when you spend at least S$2,500 per annum.

Annual Interest Rate and Fees

  • Anual Interest Rate26.76%

  • Principle Annual Fee$107

  • Supplementary Annual FeeComplimentary, up to 3 supplementary cards

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period23 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

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NTUC Plus! Visa Credit Card

4.8Good to Excellent

Up to 12%Cash Back at FairPrice Stores, Unity and Warehouse Club

0.22%LinkPoints on All Visa Spend outside FairPrice group

S$400Min. Spend per month

Apply Now

On plus.com.sg

Card Features

  • Up to 12% off everything at FairPrice with salary credit
  • Enjoy 12% off everything at Unity
  • Instant 18% off on all fuel grades + 0.2%^ LinkPoints rebate and earn 3 LinkPoints* for every litre of fuel pumped
  • Earn 0.22% LinkPoints rewards on all Visa spendings
  • Annual fee waived (prevailing NTUC membership fee applies)

Annual Interest Rate and Fees

  • Anual Interest Rate26.76%

  • Supplementary Annual FeeComplimentary, up to 3 supplementary cards

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period23 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$45,000.00

Other

  • Card AssociationVisa

  • Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay

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Maybank Family & Friends Card

4.5Good to Excellent

Up to 8%Cash Back on Groceries, Dining, Transport and Petrol in Singapore & Malaysia

Up to 8%Cash Rebate on Shopping and Data communication & online TV streaming

S$80Cash Rebate Cap per month

  • 3 years annual fee waived; spend min. S$12,000 per year to get subsequent waiver
Apply Now

On Maybank's website

Card Features

  • *NEW* Up to 8% cash rebate on all resturant spends in Singapore and Malaysia
  • *NEW* Up to 8% cash rebate on and data communication & online TV streaming
  • Up to 8% cash rebate on petrol groceries including online gorcery stores spend in Singapore and Malaysia
  • 8% or 5% cash rebate with lowered minimum spend of S$800/S$500 per month respectively. Cash rebate cap at S$80 per month
  • 0.3% cash rebate on all other spend with no cap on cash rebates

Annual Interest Rate and Fees

  • Anual Interest Rate25.90%

  • Principle Annual Fee$180

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$20, whichever is higher

  • Interest Free Period20 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$60,000.00

Other

  • Card AssociationMasterCard

  • Wireless PaymentMasterCard PayPass, Samsung Pay

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ICBC Global Travel MasterCard Credit Card

3.8Good to Excellent

1.5%Cash Back on Local Spend

3%Cash Back on Overseas Spend

3 yearsAnnual Fee Waiver

  • Up to 6 free visits to VIP lounges located worldwide
Apply Now

On ICBC's website

Card Features

  • Up to 3% unlimited cash back on all spends (Local and Overseas)
  • No minimum spend or maximum cap in cash back earned
  • Complimentary access to Dragon Pass Lounges. Such as Plaza Premium Lounge, SATS Premier Lounge and more
  • Sign-up for your card today and get 6 DragonPass Points in your account. Valid till 31 Dec 2020
  • 3 years Annual Fee Waiver

Annual Interest Rate and Fees

  • Anual Interest Rate24.00%

  • Principle Annual Fee$150

  • Supplementary Annual FeeS$75

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$30,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentMasterCard PayPass

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ICBC Chinese Zodiac Credit Card

4.0Good to Excellent

1.6%Cash Back on All Spend

S$0Spend per month

UnlimitedCash Back Cap

  • 3 years Annual Fee Waive
Apply Now

On ICBC's website

Card Features

  • Earn 1.6% unlimited cash back on all spends (Local and Overseas)
  • No minimum spend required. No cap on the cash back
  • Get up to S$120 cash back when you sign up as a New-To-Bank Cardholder. S$200/mo min. spend required for consecutive 6 months
  • Received 10% off when you purchase Midea or Toshiba electronics on Lazada

Annual Interest Rate and Fees

  • Anual Interest Rate24.00%

  • Principle Annual Fee$150

  • Supplementary Annual FeeS$75

  • Fee WaiverAvailable

  • Minimum Monthly Repayment3% or S$50, whichever is higher

  • Interest Free Period25 days

Minimum Income Requirements

  • Singaporean$30,000.00

  • Foreigner$30,000.00

Other

  • Card AssociationMastercard

  • Wireless PaymentMasterCard PayPass

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See More Cards

  • Grocery Basics

  • FAQs

  • Ask Away

How Can I Choose the Best Credit Card for Groceries?

There are a few factors to consider when choosing a credit card for groceries:

Choose Your Favourite Supermarket
Most people have a preferred supermarket to shop at. Obviously, you will need to pick a credit card that offers promotions at that supermarket.
Determine Your Monthly Grocery Spending Habits
Each credit card has a different minimum spending level for each month. You need to make sure that you can reach that level every single month to fully take advantage of your grocery credit card.

Most Popular Credit Cards for Groceries

While everyone has there own needs, certain credit cards fit the average criteria quite nicely. The Citi CashBack and Maybank Family & Friends credit cards currently hold the highest rebate of 8% on groceries. However, they each have a high rate of minimum spend, so you will need to determine if you can keep up before choosing one of them.

Groceries Credit Cards with Great Perks (updated July 2022)

Credit Card NameCash RebateMinimum Spend
Maybank Family & Friends Card5% to 8% cashback - all supermarketsS$80
Citi Cash Back Card8% cashback - all supermarketsS$888
DBS Live Fresh Card5% cashback - online & payWaveS$1000
HSBC Visa Platinum Credit Card5% cashback - all supermarketsS$600

Minimum Spend Requirements

The basic premise is that you need to spend a certain amount or more each month if you want to get the rebate. If you fail to spend the necessary amount, you won’t get any rebate for that entire month of spending.

Take a look at above table to learn about each bank’s monthly minimum spend and cashback rates.

Don’t Forget the Terms & Conditions!

Everything you need to know about your chosen credit card is in the terms & conditions. Make sure you read through these before choosing a card. Keep an eye on rewards limits and maximum spending clauses.

Does My Credit Card Work with Buying Groceries?

Yes, the primary advantage of a grocery credit card is when buying from a specific supermarket. Instead of paying with cash and gaining nothing, you can use this credit card to get some points or cashback rewards from your grocery purchases. You can get air miles for free flights, seat upgrades, or just some cold, hard cash.

How Does My Groceries Credit Card Work?

Most supermarkets have a particular partner programme to utilize. For example, NTUC uses the Plus! Card, granting you loyalty points that can be used for cashback rewards.

Make sure to choose the credit card which fits your preferred supermarket.

Are There Cashback Grocery Credit Cards?

Yes, there are! As long as you reach the minimum spend of your cashback grocery credit card, you can earn some cash every month!

Which Grocery Stores Have Credit Card Reward Options?

Most grocery stores have an option similar to NTUC. Every store is different and offers one particular form of reward.

What Credit Card Should I Use for NTUC FairPrice?

The best credit card is the NTUC Plus! visa credit card. It offers up to 12% rebate rewards, provided you are an active member. If you are not a member, you can use other banks’ cards, such as the Citi CashBack credit card. This one will only get you 8% rebate rewards, however.

Which Credit Card Should I Use for Groceries and Petrol Offers?

Citi CashBack or Maybank Family & Friends are the best options for both groceries and petrol deals. However, the minimum spend is quite high.

If you can’t keep up, some easier options are the HSBC Platinum card or the NTUC Plus! visa card.

Have a question? Ask us about anything!

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