Best Credit Card for Groceries in Singapore 2025
updated: Jan 24, 2025
Are you looking to stretch your dollar at the supermarket? In Singapore's bustling food scene, finding the best credit card for grocery shopping can be a game-changer for your wallet. Ready to discover how you can make your grocery runs more rewarding? Let's explore the cream of the crop in Singapore's credit card market for 2025!
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Best credit card for groceries
Our Top Pick for Cold Storage: DBS Yuu Visa Card
DBS yuu Visa Card
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| Annual Fee | S$ 196.20 |
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| Monthly Spend Required | None |
| REWARDS | |
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Our Top Pick for Online Grocers: UOB One Card
UOB One Card
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| Annual Fee | S$ 196.20 |
|---|---|
| Monthly Spend Required | S$ 2,000.00 |
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Our Top Pick for Sheng Siong: Citi Cash Back Card
Citi Cash Back Card
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| Annual Fee | S$ 196.20 |
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| Monthly Spend Required | S$ 800.00 per month |
| REWARDS | |
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Our Top Pick for FairPrice: POSB Everyday Card
POSB Everyday Card
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| Annual Fee | S$ 196.20 |
|---|---|
| Monthly Spend Required | S$ 800.00 per month |
| REWARDS | |
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Our top pick for general supermarkets: CIMB Visa Signature Card
CIMB Visa Signature Card
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| Annual Fee | No Annual Fee |
|---|---|
| Monthly Spend Required | S$ 800.00 |
| REWARDS | |
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Our Top Pick for Giant: DBS yuu American Express Card
DBS yuu American Express Card
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| Annual Fee | S$ 196.20 |
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| Monthly Spend Required | None |
| REWARDS | |
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Our Top pick for NTUC FairPrice Group: NTUC Link Credit Card by Trust Bank
NTUC Link Credit Card by Trust Bank
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| Annual Fee | No Annual Fee |
|---|---|
| Monthly Spend Required | None |
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Our top pick for household spending: Maybank Family & Friends Card
Maybank Family & Friends Card
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| Annual Fee | S$ 196.20 |
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| Monthly Spend Required | S$ 800.00 per month |
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Our top pick for RedMart and other online grocers: HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card
| Annual Fee | S$ 196.20 |
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| Monthly Spend Required | S$ 600.00 per month |
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Understanding grocery credit cards in Singapore
Grocery credit cards in Singapore offer unique perks tailored for everyday shopping. These cards can significantly reduce your daily essential and food expenses while providing additional benefits. Let's explore what makes these cards special and how you can make maximise their best features.
What makes a credit card ideal for grocery shopping?
An ideal grocery credit card provides high cashback rates or reward points specifically for supermarket and online grocery purchases. Some cards offer up to 8% cashback on grocery spending, which can translate to substantial savings over time. The best cards also have low or no minimum spend requirements, making them accessible to all budgets.
Key features to look for in grocery credit cards
When choosing a credit card for grocery shopping, consider these essential features:
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High cashback rates at major supermarkets
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Bonus points or miles for grocery purchases
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Low annual fees or fee waivers
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Additional discounts at partner stores
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Flexible redemption options for rewards
How grocery rewards programmes work
Grocery rewards programmes typically allow you to earn points or cashback on your supermarket spending. These rewards can often be redeemed for discounts on future purchases, vouchers, or even travel miles. Some of the best credit cards for grocery shopping offer tiered rewards, where higher spending leads to better benefits. It's crucial to understand the terms and conditions of these programmes to maximise your grocery credit card benefits.
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Card Type |
Typical Cashback Rate |
Reward Points |
Annual Fee |
|---|---|---|---|
|
Basic Grocery Card |
3-5% |
1 point per $1 spent |
$0 - $100 |
|
Premium Grocery Card |
5-10% |
5-10 points per $1 spent |
$120 - $200 |
Selecting the best credit card for grocery shopping
With living costs on the rise, it's more important than ever to find ways to save on everyday expenses. While groceries are essential, a strategic approach can help you keep more money in your pocket. Additionally, using the best credit card for grocery shopping is a smart way to earn rewards and maximise your savings. To find the perfect card for your needs, you can follow these tips:
Identify your preferred grocery stores
Most of us have a preferred supermarket or online platform where we do the majority of our grocery shopping. Whether it's NTUC FairPrice, Sheng Siong, or RedMart, choosing a credit card that offers the best bonus rewards or cashback specifically at those stores can lead to significant savings over time.
Evaluate your monthly grocery expenses
Before selecting a credit card, take a close look at your typical grocery shopping patterns. Also, note that many credit cards have minimum spending requirements to unlock the highest rewards rates. So, if your grocery spending is consistent and meets those requirements, you'll be able to maximise your cashback or rewards.
Combine grocery shopping with other spending categories
To amplify your rewards, consider consolidating other regular expenses onto your chosen credit card. Many of the best credit cards for grocery shopping also offer bonus rewards on categories like petrol, dining, online shopping, and transportation. By putting those expenses on the same card, you'll accumulate rewards faster and potentially unlock higher cashback tiers or benefits.
Maximising Your Grocery Credit Card Benefits
To make the most of your grocery credit card benefits, it's crucial to understand how to leverage them effectively. A thorough grocery credit card comparison in Singapore reveals numerous opportunities to save on your weekly shop.
Firstly, timing is key. Many cards offer higher cashback rates during specific periods. Plan your big grocery runs to coincide with these credit card promotions or other promotional periods. This strategy can significantly boost your savings, especially on bulk purchases.
Secondly, don't overlook partner merchants. Your card might offer extra points or cashback at certain stores. By aligning your shopping habits with these partnerships, you can maximise your rewards.
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Always pay your balance in full to avoid interest charges
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Set up automatic payments to ensure you never miss a due date
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Keep track of your spending to hit minimum spend requirements
Remember, some cards cap monthly rewards. To optimise your benefits, consider using multiple cards strategically. For instance, use one card for groceries and another for dining out.
Lastly, stay informed about your card's terms. Grocery credit card benefits can change, so regularly review your card's features. This vigilance ensures you're always getting the best value for your spending habits.
|
Strategy |
Potential Benefit |
|---|---|
|
Shop during promotional periods |
Extra Cashback |
|
Use partner merchants |
Extra points accumulation |
|
Strategic multi-card use |
Maximise rewards across categories |
By implementing these strategies, you'll be well on your way to maximising your grocery credit card benefits and reducing your overall food expenses. It's like finding an extra kaya toast in your breakfast set!
Maximising rewards with supermarket loyalty programmes
If you want to supercharge your savings on grocery shopping, combine your credit card rewards with a supermarket loyalty programme. These programmes allow you to earn points, enjoy exclusive discounts, and offset future grocery expenses.
Unlocking rewards with NTUC Plus!
You don't need to be an NTUC member to take advantage of the best features of the NTUC Plus! programme and earn LinkPoints at FairPrice, Unity, and other participating merchants. Besides, signing up is free and easy—simply download the NTUC Plus! app and register to start earning points on your credit card purchases. Plus, these points can be used to offset your grocery bills or redeemed for other rewards.
Earning and redeeming with the PAssion Card
The PAssion Card is a popular membership programme that lets you earn TapForMore points at various retailers, including Cold Storage, Giant, and Guardian. You can even get the PAssion Card for free with a PAssion POSB Debit Card. Plus, accumulate TapForMore points while using your credit card on your grocery shopping and redeem them for discounts and other benefits.
Enjoying exclusive benefits with Lazada LiveUp
If you prefer online grocery shopping, consider Lazada LiveUp. This membership programme offers free delivery with a lower minimum spend on RedMart, along with rebates on your RedMart purchases. You can even get a complimentary LiveUp membership with certain credit cards.
Conclusion: Choosing the right grocery credit card for you
Selecting the best credit card for groceries in Singapore requires careful consideration of your shopping habits and financial goals. Our grocery shopping credit card review have highlighted several top contenders, each with unique benefits.
To make the right choice, consider these key factors:
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Your preferred supermarket chains
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Average monthly grocery spend
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Cashback rates and caps
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Additional perks like fuel discounts or dining rewards
Remember, the ideal card balances high rewards with practical spending limits. A card offering 8% cashback might seem attractive, but if it has a low monthly cap, it may not suit big families or frequent shoppers.
Choose a card that aligns with your lifestyle and maximises your savings without encouraging overspending.
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Consideration |
Action |
|---|---|
|
Shopping Habits |
Track your monthly grocery spend |
|
Preferred Stores |
List your most visited supermarkets |
|
Rewards Structure |
|
|
Additional Benefits |
Evaluate non-grocery perks |
Expert Tips for Smart Grocery Shopping with Credit Cards
Want to get the most out of your grocery credit card benefits? Timing is key. Plan your shopping trips around your card's bonus periods or special promotions. Many of Singapore's best grocery credit cards offer extra cashback or points during certain months or days of the week.
Don't forget to stack your savings. Combine your credit card rewards with store loyalty programmes and discount vouchers. This smart strategy can lead to big savings on your grocery bills. Keep an eye out for exclusive deals offered by your card issuer at partner supermarkets.
Lastly, stay informed about changes to your card's rewards programme. Credit card perks can change, so regularly review your benefits. This helps ensure you're always using the best grocery credit card for your shopping habits, keeping your wallet happy and your pantry full. After all, a well-chosen grocery credit card can be as satisfying as finding an extra piece of chicken in your chicken rice!
Frequently asked questions (FAQs) about credit cards for groceries
What is a grocery credit card?
A grocery credit card is a type of credit card that offers cashback or rewards specifically for purchases made at supermarkets and grocery stores. These cards are designed to help you save money on your everyday food shopping expenses.
How do grocery rewards programmes work?
Grocery rewards programmes typically offer a higher cashback rate or earn more rewards points for transactions made at participating supermarkets and grocery stores. For example, you might earn 5% cashback or 5 points per $1 spent on groceries with a dedicated grocery credit card.
What are the key features to look for in a grocery credit card?
When choosing a grocery credit card, look for features like high cashback rates or generous rewards points for grocery spending, no minimum spend requirements, and bonus rewards or discounts at specific supermarket chains. You should also consider the annual fee and any additional perks or benefits the card offers.
Can I use my grocery credit card for non-grocery purchases?
Absolutely! While grocery credit cards are optimised for supermarket and grocery store spending, you can still use them for other purchases. However, the cashback rates or rewards points earned may be lower for non-grocery transactions.
Are there any annual fees associated with grocery credit cards?
Some grocery credit cards may charge an annual fee, while others may waive the fee for the first year or offer fee waivers based on your annual spending. It's essential to consider the annual fee and weigh it against the potential savings or rewards you'll earn from using the card.
Which credit card is best for groceries?
The best credit card for grocery shopping depends on your spending habits and preferred supermarkets. However, some top contenders include the UOB One Credit Card, which offers up to 10% cashback (or 20% for new card members) on groceries at select merchants, and the POSB Everyday Card, which provides up to 8% cashback at Sheng Siong and other online grocery platforms.
Which credit card is best for NTUC FairPrice?
For NTUC FairPrice grocery shopping, the DBS yuu American Express Card is a strong choice. After all, this credit card offers the highest reward rate at FairPrice, allowing you to earn up to 36X yuu Points (equivalent to 18% rebate) on your grocery purchases.
What is the best credit card for groceries and petrol?
If you're looking to maximise rewards on both grocery shopping and petrol, the Citi Cash Back Card is a great option. For example, this credit card provides 8% cashback on groceries and petrol spending, both locally and overseas, making it ideal for those who frequently fill up their tanks and stock up on groceries.
Which credit card is best for Redmart?
While the UOB One Card offers a competitive 10% cashback on grocery shopping, including online purchases, the American Express True Cashback Card might be best for Redmart shoppers seeking simplicity. This credit card provides a flat 1.5% cashback on all purchases with no minimum spend or cashback cap, making it straightforward to earn rewards on your Redmart orders.
Which credit card is best for Giant?
The UOB One Credit Card is a fantastic choice for those who frequently goes grocery shopping at Giant, especially since it offers up to 10% cashback (or 20% for new cardmembers) on groceries at Giant supermarkets, as well as bonus cashback at other stores under the DFI Retail Group, such as Cold Storage and CS Fresh.
Which credit card is best for Cold Storage?
Similar to Giant, the UOB One Credit Card is also a top choice for Cold Storage grocery shopping. Its high cashback rate on groceries at Cold Storage, combined with bonus cashback at other DFI Retail Group stores and everyday spending categories, makes it a versatile and rewarding option.