Best Grocery Credit Cards 2019

Selecting the best credit card is a highly individualized process - everyone's spending habits will make one card better than another. By examining each card's rewards rates, APRs, annual fees, bonuses, perks, and more, we compiled the list below for individuals seeking the best reward credit card on groceries.

Best Cards for GroceriesGrocery RebateCard Features
Citi Cash BackUp to 8%Cashback on food, petrol & Grab worldwide
MB Family & FriendsUp to 8%Top Rebates in Singapore & Malaysia
Citi SMRTUp to 7%Rewards for essentials + EZ-Link, no minimum
UOB OneUp to 5%Highest flat rebate, up to S$300/quarter
HSBC Visa PlatinumUp to 5%Cashback + miles on local food & petrol
MB Platinum VisaUp to 3.33%Flat rebate with just S$300 minimum
OCBC 365Up to 3%Cashback on essentials, easy fee-waiver

Best Cashback Card for Food & Transport: Citi Cash Back Card

Consider this if you spend mostly on food and transportation

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift
  • 8% cash back on Grab (ends 30 Jun 2019)

Citi Cash Back Card is one of the best cards for rebates on both food and transport worldwide. Cardholders earn 8% cash back on both dining and groceries, as well as on petrol (any station) and Grab rides. These rates apply both locally and overseas, and other than for Grab, 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$100/month, or S$1,200/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 transport.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, petrol (any station) & Grab
  • Up to 20.88% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, petrol (any station) & Grab
  • Up to 20.88% fuel savings at Esso & Shell

Best for Rebates in Singapore & Malaysia: Maybank Family & Friends MasterCard

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$100 rebate w/ S$800 spend (req. 2 card applications + Creditable acct)

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$1,000 spend, on fast food, groceries, transport, wellness & leisure with select merchants in both countries. In terms of groceries, you can earn with Cold Storage & NTUC Fairprice / Finest / X-tra in Singapore, and AEON BIG, Giant, TESCO & Pacific Hypermart in Malaysia.

It’s worth mentioning that rewards are capped at just S$50/month. However, no other card allows you to earn at such high rates at such a low spend level. In fact, most cards offer just 0.3% rebate at S$500 spend; even the closest competitor offers just 3.33%. In fact, spending just S$1,000 with select vendors earns you S$50 in rewards. This adds up to S$600/year.

You might also be interested in Maybank Family & Friends Card because of it’s fee-waiver. Cardholders are exempt from the S$180.0 fee after just S$12,000 annual spend (just S$1,000/month). Ultimately, this is a great grocery card if you tend to shop with popular vendors in Singapore & Malaysia.

Read Our Full Review

  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 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)
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 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)

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

Consider this if you want to earn cashback on your daily commute on public transit

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

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% rebate, and 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.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% 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
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, moves & 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

Best Flat Rebate Card for Consistent Budgets: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$100 cashback with S$1,000 spend in 1st month

If you want a card that will reward all of your purchases, consider UOB One Card. Not only does this card offer the highest flat rebate on the market–up to 5%–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$100/quarter. All kinds of spend, including on groceries and even insurance payments, earn rewards–online, offline, locally and overseas. In addition, transactions with select merchants ‘double’ earn by accumulating SMART$. 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.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 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 Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 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 Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

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

Consider this if you spend at least S$600/month and want to earn both cash rebates and miles

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback
  • Apply with MyInfo via SingPass, get S$20 worth of Grab rides

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.

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)
  • 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

Best Rebate Card for Low Spenders: Maybank Platinum Visa Card

Consider this if you spend S$300 to S$500 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$100 rebate w/ S$800 spend (req. 2 card applications + Creditable acct)

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.

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 (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance
  • 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 (local only)
  • S$100 quarterly rebate with at least S$1,000 monthly spend (local only)
  • 0.3% rebate on overseas spend, capped at S$50/month
  • Local spend below S$300 minimum does not earn rebate
  • No minimum spend requirement for overseas rebate
  • Free travel insurance

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

Consider this if you are looking for a credit card for general day-to-day use

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive S$40 cashback for sign-up w/ select electricity retailers

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.

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
  • 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

Best Rebate Card for Groceries & Bills: UOB Delight Card

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$100 cashback with S$1,000 spend in 1st month
  • Enjoy S$5 off Grab when you activate Auto Top-Up w/ UOB Card (min. S$20)

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.

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
  • 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

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

CIMB Visa Signature
CIMB Visa Signature

Consider this if you want a no-fee credit card for beauty, online fashion & more

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A

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.

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
  • 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

Rebates on Essentials + EZ-Link: POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, cosmetics, pharmaceutical, medical and petrol bills

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive S$15 Watsons eVoucher with S$80 spend

POSB Everyday Card is one of the best rebate cards on the market for daily essentials, and is even EZ-Link compatible. Cardholders earn 15% cashback for online food delivery & catering, 5% on dining, 10% on taxi rides & overseas, 3% on health & wellness and 1% on recurring bills (capped at S$1/month). Additionally, cardholders earn 5% rebates on groceries at Sheng Siong.

As with groceries, most of these spend categories are merchant-limited. However, categories are–for the most part–individually capped, with a total earning potential of S$200+/month. Most cards are capped at S$100/month, at most. If you’re willing to spend with select merchants, and can meet the S$800 minimum spend required to access many of these rates, POSB Everyday Card may be a great option for you.

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
  • 10% rebate on overseas spend
  • 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, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 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, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality

Summary of Best Grocery Credit Cards 2019

Below, we've prepared a summary of our picks for the best grocery credit cards 2019.

CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
UOB OneBest Flat RebateS$192.6
HSBC Visa PlatinumCashback + MilesS$192.6
Maybank Platinum VisaLow SpendersS$80.0 (waiver)
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
UOB OneBest Flat RebateS$192.6
HSBC Visa PlatinumCashback + MilesS$192.6
Maybank Platinum VisaLow SpendersS$80.0 (waiver)
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)

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.

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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