Best Grocery Credit Cards 2020

If you spend a great deal of your monthly budget on groceries, you're likely to benefit from elevated rewards rates as well as discounts at your favorite supermarkets. We've reviewed 100+ credit cards in Singapore to identify which offer the highest return value for grocery shoppers. We've provided a well-rounded overview of each credit card below, in addition to details regarding which grocery stores are specifically featured in deals and discounts.

Best Cards for GroceriesGrocery RebateCard Features
Citi Cash BackUp to 8%Cashback on food & petrol worldwide
MB Family & FriendsUp to 8%Top Rebates in Singapore & Malaysia
Citi SMRTUp to 5%Rewards for essentials + EZ-Link, no minimum
POSB EverydayUp to 5%Everyday rebates + ABT capabilities
HSBC Visa PlatinumUp to 5%Cashback + miles on local food & petrol
UOB OneUp to 5%Highest flat rebate, up to S$300/quarter
MB Platinum VisaUp to 3.33%Flat rebate with just S$300 minimum
OCBC 365Up to 3%Cashback on essentials, easy fee-waiver
CIMB Visa SignatureUp to 10%Flat rebate with just S$800 minimum
UOB DelightUp to 17%Earn Rewards after just S$800
BOC Sheng SiongUp to 12%No minimum spend required to start earning

Compare the Best Grocery Credit Cards by Dollar Value

To help you find the best grocery credit card in Singapore, we have prepared a chart below organizing grocery credit cards by their 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. However, you should remember that this estimate is an approximate value based on an estimate of the average consumer's spending habits, and may differ in actual result depending on your unique set of expenditures.

A graph displaying how the best grocery credit cards compare to one another in terms of their rewards
Best Grocery Credit Cards in Singapore by Estimated 2-Year Dollar Value

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Best Cards For Grocery Rebates

Compare the Best Grocery Credit Cards by Dollar Value

To help you find the best grocery credit card in Singapore, we have prepared a chart below organizing grocery credit cards by their 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. However, you should remember that this estimate is an approximate value based on an estimate of the average consumer's spending habits, and may differ in actual result depending on your unique set of expenditures.

A graph displaying how the best grocery credit cards compare to one another in terms of their rewards
Best Grocery Credit Cards in Singapore by Estimated 2-Year Dollar Value

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Best Cashback Card for Global Food & Petrol: Citi Cash Back Card

  • Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until November 30)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is one of the best cards for rebates on both food and petrol worldwide. Cardholders earn 8% cash back on both dining and groceries, as well as on petrol (any station). These rates apply both locally and overseas and are not merchant-restricted. This gives you the flexibility to earn at top rates no matter what brands you choose, or where you buy them.

Citi Cash Back Card does have a S$888 minimum spend requirement, but given the average consumer spends nearly half of their budget on food & transport–the two categories rewarded by this card–this threshold is reasonably achievable. In addition, you can earn up to S$75/month, or S$900/year. This is one of the higher earning potentials on the market. Ultimately, Citi Cash Back Card is an excellent option to consider if you spend a great deal of your budget on dining, groceries and petrol.

  • Stand-Out: Up to 8% rebate on global dining, groceries & petrol
  • Promotions: Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until November 30)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is one of the best cards for rebates on both food and petrol worldwide. Cardholders earn 8% cash back on both dining and groceries, as well as on petrol (any station). These rates apply both locally and overseas and are not merchant-restricted. This gives you the flexibility to earn at top rates no matter what brands you choose, or where you buy them.

Citi Cash Back Card does have a S$888 minimum spend requirement, but given the average consumer spends nearly half of their budget on food & transport–the two categories rewarded by this card–this threshold is reasonably achievable. In addition, you can earn up to S$75/month, or S$900/year. This is one of the higher earning potentials on the market. Ultimately, Citi Cash Back Card is an excellent option to consider if you spend a great deal of your budget on dining, groceries and petrol.

Best Rebates for Local Groceries: Maybank Family & Friends Card

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
If you spend quite a bit of time in both Singapore and Malaysia, you might want to consider Maybank Family & Friends Card as a way to maximise rewards for your grocery spend. Cardholders earn 5% rebates after S$500 minimum spend, or 8% after S$800 spend, on fast food & food delivery, groceries, transport, petrol, data communications/online TV streaming (& more) in both countries. All local grocery stores, supermarkets, and even online grocery spend is rewards-eligible.

Maybank F&F Card is extraordinarily accessible as well. The S$500 minimum requirement is already quite low, and the S$180.0 fee is waived for 3 years (and subsequently, with just S$12,000 annual spend). Rewards are capped at S$80/month, but it's possible to max this out with just S$1,000 spend. At this rate, cardholders can both achieve the fee waiver and also earn S$960/year.

  • Stand-Out: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & data communications/online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
If you spend quite a bit of time in both Singapore and Malaysia, you might want to consider Maybank Family & Friends Card as a way to maximise rewards for your grocery spend. Cardholders earn 5% rebates after S$500 minimum spend, or 8% after S$800 spend, on fast food & food delivery, groceries, transport, petrol, data communications/online TV streaming (& more) in both countries. All local grocery stores, supermarkets, and even online grocery spend is rewards-eligible.

Maybank F&F Card is extraordinarily accessible as well. The S$500 minimum requirement is already quite low, and the S$180.0 fee is waived for 3 years (and subsequently, with just S$12,000 annual spend). Rewards are capped at S$80/month, but it's possible to max this out with just S$1,000 spend. At this rate, cardholders can both achieve the fee waiver and also earn S$960/year.

Best Rebates for Young Professionals on a Budget: Citi SMRT Card

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 5% rebate on groceries, 5% on fast food, movies & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell
Citi SMRT Card stands out not only for it’s high rates, but also because it’s one of the few cashback cards on the market with no minimum spend requirement. Cardholders willing to spend with select merchants can earn up to 5% on fast food, coffee & movies, 3% online, and 2% on health & wellness. Even better, spend with FairPrice Xtra Kallang Wave earns up to 7.3% rebate, grocery purchases with FairPrice, Giant, and Sheng Siong earn 5% rebate.


Citi SMRT Card is also EZ-Link compatible, and Auto Top-Ups earn 2% rebate. Cardholders also enjoy up to 14% fuel savings with Esso & Shell. Overall, this card is an excellent option for young professionals, and those on a budget, who want to earn regardless of their spend level. It’s incredible convenient, accessible and affordable–which is why we recommend it as one of the top grocery cards on the market.

  • Stand-Out: Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Up to 5% rebate on groceries, 5% on fast food, movies & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell
Citi SMRT Card stands out not only for it’s high rates, but also because it’s one of the few cashback cards on the market with no minimum spend requirement. Cardholders willing to spend with select merchants can earn up to 5% on fast food, coffee & movies, 3% online, and 2% on health & wellness. Even better, spend with FairPrice Xtra Kallang Wave earns up to 7.3% rebate, grocery purchases with FairPrice, Giant, and Sheng Siong earn 5% rebate.

Citi SMRT Card is also EZ-Link compatible, and Auto Top-Ups earn 2% rebate. Cardholders also enjoy up to 14% fuel savings with Esso & Shell. Overall, this card is an excellent option for young professionals, and those on a budget, who want to earn regardless of their spend level. It’s incredible convenient, accessible and affordable–which is why we recommend it as one of the top grocery cards on the market.

Top Rebates on Essentials + Transit Perks: POSB Everyday Card

  • Promotional rebates of up to 15% in key spend categories
  • Promotions: S$200 cashback with no minimum spend using promo code "NOVFLASH" (must make 1 transaction). Valid until November 26.
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is one of the best rebate cards on the market for daily essentials. While promotional rates frequently change, cardholders can typically earn as much as 15% cashback for online food delivery, dining, groceries, transport, personal care and even recurring bills. Some (but not all) of these categories have merchant restrictions, and groceries is frequently one of them. POSB Everyday Card usually offers 5% rebate on groceries specifically at Sheng Siong.

In addition to its rebates on daily essentials, POSB Everyday Card also fits into a modern lifestyle by providing all-in-one functionality. In addition to its ATM and credit capabilities, it can also be used for contactless payment of public transit fares. Overall, the general convenience of the card paired with its relevance to everyday spending make it a great match for the average consumer, as well as those with families.

  • Stand-Out: Promotional rebates of up to 15% in key spend categories
  • Promotions: S$200 cashback with no minimum spend using promo code "NOVFLASH" (must make 1 transaction). Valid until November 26.
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC
  • SimplyGo/ABT capabilities for public transit fares
POSB Everyday Card is one of the best rebate cards on the market for daily essentials. While promotional rates frequently change, cardholders can typically earn as much as 15% cashback for online food delivery, dining, groceries, transport, personal care and even recurring bills. Some (but not all) of these categories have merchant restrictions, and groceries is frequently one of them. POSB Everyday Card usually offers 5% rebate on groceries specifically at Sheng Siong.

In addition to its rebates on daily essentials, POSB Everyday Card also fits into a modern lifestyle by providing all-in-one functionality. In addition to its ATM and credit capabilities, it can also be used for contactless payment of public transit fares. Overall, the general convenience of the card paired with its relevance to everyday spending make it a great match for the average consumer, as well as those with families.

Cashback + Miles for Local Food & Petrol: HSBC Visa Platinum Card

  • Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining & groceries (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell
If you’re interested in earning both cashback and miles, consider HSBC Visa Platinum Card–which is especially great if you mostly spend on food locally. Cardholders earn 5% cash rebate on local dining & groceries, with no merchant restrictions, after just S$600 minimum spend. All other spend earns 0.4 miles per S$1. While this may seem small, there’s no minimum requirement to earn miles. Overall, cardholders can earn up to S$250 rebate/quarter, or up to S$1,000/year.

HSBC Visa Platinum Card also comes with a relatively easy fee-waiver. Cardholders are exempt from the S$180.0 fee after just S$12,500 annual spend (about S$1,042/month). At this spend level, you’d not only avoid the fee, but also earn S$50+/month in rewards. Ultimately, if you’re interested in flexible rewards and primarily spend on local dining & groceries, you might want to consider HSBC Visa Platinum Card.

  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining, groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
If you’re interested in earning both cashback and miles, consider HSBC Visa Platinum Card–which is especially great if you mostly spend on food locally. Cardholders earn 5% cash rebate on local dining & groceries, with no merchant restrictions, after just S$600 minimum spend. All other spend earns 0.4 miles per S$1. While this may seem small, there’s no minimum requirement to earn miles. Overall, cardholders can earn up to S$250 rebate/quarter, or up to S$1,000/year.

HSBC Visa Platinum Card also comes with a relatively easy fee-waiver. Cardholders are exempt from the S$180.0 fee after just S$12,500 annual spend (about S$1,042/month). At this spend level, you’d not only avoid the fee, but also earn S$50+/month in rewards. Ultimately, if you’re interested in flexible rewards and primarily spend on local dining & groceries, you might want to consider HSBC Visa Platinum Card.

Best Flat Rebate Card for Consistent Budgets: UOB One Card

  • Up to 5% rebate on all spend, S$300/quarter
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programm
If you want a card that will reward all of your purchases, consider UOB One Card. Not only does this card offer one of the highest general rebate rates on the market, it also provides access to additional rebate programmes, and rewards bill pay.

Cardholders need only spend S$2,000/month consistently to earn S$300/quarter; lower spend earns a 3.33% rebate, rate up to S$50 or S$100/quarter. All kinds of spend, including on groceries and even utilities payments, earn rewards–online, offline, locally and overseas. In addition, transactions with select merchants ‘double’ earn by accumulating SMART$. For example, buying groceries at Cold Storage, Giant, Jasons and Market Place earns a 0.3% SMART$ rebate, which can be used to offset future purchases.

Overall, UOB One Card is great for stable spenders because of its high flat rebate, with a small boost for groceries. If you consistently spend S$2,000/month, this could be a great card for you.

  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programm
If you want a card that will reward all of your purchases, consider UOB One Card. Not only does this card offer one of the highest general rebate rates on the market, it also provides access to additional rebate programmes, and rewards bill pay.

Cardholders need only spend S$2,000/month consistently to earn S$300/quarter; lower spend earns a 3.33% rebate, rate up to S$50 or S$100/quarter. All kinds of spend, including on groceries and even utilities payments, earn rewards–online, offline, locally and overseas. In addition, transactions with select merchants ‘double’ earn by accumulating SMART$. For example, buying groceries at Cold Storage, Giant, Jasons and Market Place earns a 0.3% SMART$ rebate, which can be used to offset future purchases.

Overall, UOB One Card is great for stable spenders because of its high flat rebate, with a small boost for groceries. If you consistently spend S$2,000/month, this could be a great card for you.

Best Rebate Card for Low Spenders: Maybank Platinum Visa Card

  • Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • Free travel insurance
If you’re a lower spender, you might have trouble meeting minimum spend requirements. With Maybank Platinum Visa Card, you can earn S$30/quarter–up to S$120/year–with just S$300 minimum local monthly spend. At this spend level, most cards offer just 0.3% cashback, which adds up to a remarkably small S$3.6/year. It’s worth mentioning that spending S$1,000/month earns S$100/quarter, at higher spend levels, this rate is a bit less competitive.

Maybank Platinum Visa Card also comes with a fee-waiver. The S$20.0 quarterly service fee is waived for a full 3 years, and subsequently, simply with card use. Essentially, Maybank Platinum Visa Card is the most accessible flat rebate card on the market, and is an excellent choice if you have a small grocery budget or tend to spend less in general.

  • Stand-Out: Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive S$100 rebate w/ S$250 spend/mo for 2mo
  • Receive S$30 cash via PayNow (through our partnership w/ SGSaver)
  • Read Our Full Review
  • Quarterly service fee: S$20.0, 3-year waiver, subsequently with card use at least 1x/quarter
  • S$30 quarterly rebate with at least S$300 monthly spend
  • S$100 quarterly rebate with at least S$1,000 monthly spend
  • Free travel insurance
If you’re a lower spender, you might have trouble meeting minimum spend requirements. With Maybank Platinum Visa Card, you can earn S$30/quarter–up to S$120/year–with just S$300 minimum local monthly spend. At this spend level, most cards offer just 0.3% cashback, which adds up to a remarkably small S$3.6/year. It’s worth mentioning that spending S$1,000/month earns S$100/quarter, at higher spend levels, this rate is a bit less competitive.

Maybank Platinum Visa Card also comes with a fee-waiver. The S$20.0 quarterly service fee is waived for a full 3 years, and subsequently, simply with card use. Essentially, Maybank Platinum Visa Card is the most accessible flat rebate card on the market, and is an excellent choice if you have a small grocery budget or tend to spend less in general.

Best No-Fee Card for Rebates on Essentials: OCBC 365 Card

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
OCBC 365 Card is the best no-fee rebate card for essentials on the market, and even rewards groceries. Cardholders earn 6% cashback on dining & online food delivery and 3% on groceries (including online delivery), land transport (like Grab), travel bookings, and recurring bills. There are no merchant restrictions, and rates apply locally and overseas, making OCBC 365 Card especially versatile.

It’s worth mentioning that cardholders must spend S$800/month to access these rates, but if they spend just a bit more (about S$833/month), they can actually earn a fee waiver as well–cardholders are exempt from the S$192.6 fee with just S$10,000 annual spend. Overall, OCBC 365 Card is worth considering if you want more than just a grocery card–you want a no-fee everyday card, with a quite respectable grocery rewards rate.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
OCBC 365 Card is the best no-fee rebate card for essentials on the market, and even rewards groceries. Cardholders earn 6% cashback on dining & online food delivery and 3% on groceries (including online delivery), land transport (like Grab), travel bookings, and recurring bills. There are no merchant restrictions, and rates apply locally and overseas, making OCBC 365 Card especially versatile.

It’s worth mentioning that cardholders must spend S$800/month to access these rates, but if they spend just a bit more (about S$833/month), they can actually earn a fee waiver as well–cardholders are exempt from the S$192.6 fee with just S$10,000 annual spend. Overall, OCBC 365 Card is worth considering if you want more than just a grocery card–you want a no-fee everyday card, with a quite respectable grocery rewards rate.

Cashback Card for Groceries & Discretionary Spend: CIMB Visa Signature Card

  • Up to 10% rebate on online shopping, beauty & more
  • Promotions: Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on groceries, online shopping, beauty, petcare & cruise lines
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
With CIMB Visa Signature Card, cardholders can earn a market-leading 10% rebate on groceries after just S$800 minimum spend. This is in fact one of the most flexible offers out there–purchases made online, offline, locally and overseas all qualify for rewards. In addition, cardholders can earn 10% cashback in discretionary categories, such as online fashion shopping, beauty and wellness, petcare, and even transactions with cruise lines–up to a cumulative S$100/month.

While these spend categories may seem a bit unique at first, they in fact make CIMB Visa Signature Card stand out from competitors. Very few cards reward spend on pets or distinctly for beauty and wellness expenses. In addition, category rewards caps of S$20 can easily be maxed out with S$200 spend. Finally, even if you do not regularly spend across all of these categories, CIMB Visa Signature's high rebate rates can still be of benefit with no risk and no maintenance, as there's no annual fee.

  • Stand-Out: Up to 10% rebate on online shopping, beauty & more
  • Promotions: Receive S$100 cash credit w/ S$350 monthly spend for 1st 2mo (new customers)
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on groceries, online shopping, beauty, petcare & cruise lines
  • Free travel insurance & global concierge
  • CIMB 0% Interest i.Pay Instalment Plan
With CIMB Visa Signature Card, cardholders can earn a market-leading 10% rebate on groceries after just S$800 minimum spend. This is in fact one of the most flexible offers out there–purchases made online, offline, locally and overseas all qualify for rewards. In addition, cardholders can earn 10% cashback in discretionary categories, such as online fashion shopping, beauty and wellness, petcare, and even transactions with cruise lines–up to a cumulative S$100/month.

While these spend categories may seem a bit unique at first, they in fact make CIMB Visa Signature Card stand out from competitors. Very few cards reward spend on pets or distinctly for beauty and wellness expenses. In addition, category rewards caps of S$20 can easily be maxed out with S$200 spend. Finally, even if you do not regularly spend across all of these categories, CIMB Visa Signature's high rebate rates can still be of benefit with no risk and no maintenance, as there's no annual fee.

Best Rebate Card for Groceries & Bills: UOB Delight Card

UOB Delight Card
UOB Delight Card
  • Up to 17% cumulative discounts on groceries
  • Promotions: Now with SimplyGo compatibility
  • Read Our Full Review
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian, S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
UOB Delight Card offers one of the highest cumulative discounts on groceries on the market–up to 17%. Cardholders earn 10% discounts off house brands at vendors like Cold Storage, Market Place, Jasons, Giant and Guardian, where they also receive an 8% merchant rebate after S$800 minimum spend. In addition, bill payments and contactless transactions earn at 3% after just S$400 spend.

UOB Delight Card is also especially valuable because it pairs well with the UOB SMART$ Programme. Spend with select merchants earns additional SMART$ rebates, which can be used to offset future purchases. Overall, if you don’t mind shopping house brands with select vendors, UOB Delight Card is definitely one of the best grocery cards on the market.

UOB Delight Card
UOB Delight Card
  • Stand-Out: Up to 17% cumulative discounts on groceries
  • Promotions: Now with SimplyGo compatibility
  • Read Our Full Review
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian, S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
UOB Delight Card offers one of the highest cumulative discounts on groceries on the market–up to 17%. Cardholders earn 10% discounts off house brands at vendors like Cold Storage, Market Place, Jasons, Giant and Guardian, where they also receive an 8% merchant rebate after S$800 minimum spend. In addition, bill payments and contactless transactions earn at 3% after just S$400 spend.

UOB Delight Card is also especially valuable because it pairs well with the UOB SMART$ Programme. Spend with select merchants earns additional SMART$ rebates, which can be used to offset future purchases. Overall, if you don’t mind shopping house brands with select vendors, UOB Delight Card is definitely one of the best grocery cards on the market.

No Limit on Overseas & General Spend: BOC Sheng Siong Credit Card

  • Up to 12% cashback on Sheng Siong purchases
  • Promotions: Use promo code MBSS2
  • Annual Fee: S$32.10, 1-year waiver
  • 6% cashback on Sheng Siong Spend w/no minimum spend (capped at S$45)
  • Additional 6% cashback on Sheng Siong spend w/S$600 out-of-store minimum spend (capped at S$30)
  • 1.60% cashback on overseas spend
  • 0.30% cashback out-of-store spend
The BOC Sheng Siong Credit Card is a great choice for individuals who want to earn boosted cashback on their grocery purchases. With no minimum spend required, you will earn 6% cashback on all of your Sheng Siong purchases. However, your Sheng Siong cashback rate increases to 12% if you spend S$600 or more per month on purchases outside of Sheng Siong. Cardholders will also receive 1.6% cashback on any purchases made in another country.


Rewards for Sheng Siong spend are capped at S$75/month (S$45 for the initial rate and S$30 for the additional rate). However, there is no limit to the amount of cashback an individual can earn on their overseas and general spend. Overall, this card offers great value for Sheng Siong loyalists who want to start earning rewards on their grocery purchases with no minimum obligation.

  • Stand-Out: Up to 12% cashback on Sheng Siong purchases
  • Promotions: Use promo code MBSS2
  • Annual fee: S$203.3
  • Annual Fee: S$32.10, 1-year waiver
  • 6% cashback on Sheng Siong Spend w/no minimum spend (capped at S$45)
  • Additional 6% cashback on Sheng Siong spend w/S$600 out-of-store minimum spend (capped at S$30)
  • 1.60% cashback on overseas spend
  • 0.30% cashback out-of-store spend
The BOC Sheng Siong Credit Card is a great choice for individuals who want to earn boosted cashback on their grocery purchases. With no minimum spend required, you will earn 6% cashback on all of your Sheng Siong purchases. However, your Sheng Siong cashback rate increases to 12% if you spend S$600 or more per month on purchases outside of Sheng Siong. Cardholders will also receive 1.6% cashback on any purchases made in another country.


Rewards for Sheng Siong spend are capped at S$75/month (S$45 for the initial rate and S$30 for the additional rate). However, there is no limit to the amount of cashback an individual can earn on their overseas and general spend. Overall, this card offers great value for Sheng Siong loyalists who want to start earning rewards on their grocery purchases with no minimum obligation.

Learn More About How to Find the Best Credit Card for You

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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