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.

Table of Contents

Cashback Rewards on Groceries and Dining: 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

Formerly known as Citibank Dividend Card, Citi Cash Back Card, while not as strong as UOB Delight in terms of groceries, is still a legitimate contender for the top spot in this category. It matches UOB Delight's 8% cashback on groceries, and offers another 8% discounts off of your restaurant bills. It also offers 8% rebate on Grab rides and another 21% off on petrol. While it doesn’t cover some other major categories like entertainment, shopping and utility bills, Citi Cash Back’s rebate rates on groceries, gas and dining are some of the highest we’ve seen in their respective fields. Not only that, Citi Cash Back Card saves you 8% on groceries no matter which supermarket you shop at, so you don't have to choose between Cold Storage, Sheng Siong, Giant, Jasons, Guardian or FairPrice.

Citi Cash Back also has a decently high cap on monthly cashback at S$100, for a total of up to S$1.200 of cashback per year. While annual fee is about S$192.6, Citi graciously provides a waiver for your first year. These factors make the Citi Cashback Credit Card quite valuable to anyone looking to save on meals in and out of home.


  • Annual fee: S$192.6, first year waived
  • 8% cash back on grocery, dining and Grab rides
  • 20% cashback with selected merchants (rotating)
  • Up to 20.88% off on petrol at Esso & Shell
  • Relatively high cashback cap of S$100 a month
  • Promotion: Up to S$120 cash rebate welcome gift
  • Read Our Full Review

Best Cashback Card without Annual Fee: OCBC 365 Credit Card

Consider this if you want to avoid high annual fees and spend at least S$800 monthly

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

Somewhat similar to POSB Everyday card, OCBC 365 Credit Card is an ideal card for daily use. It provides a respectable set of cashback rates for dining, groceries, petrol, online shopping, utilities and land transport. For groceries, its rebate of 3% is on the lower end of the spectrum compared to other cards featured here; however, it compensates for it with up to 6% off on dining, 3% on online shopping, 22% on petrol and 3% on recurring utility bills.

OCBC 365 card is designed to address almost all the daily needs of an average person or family without skewing towards a specific category. It is also more affordable than other similar cards, given that its annual fee of S$160.5 is perpetually waived as long as you spend a meager amount of S$10,000 on the card annually.


  • Annual fee: S$192.6, waived for 2 years and subsequently waived for annual spend of only S$10,000
  • Rebates: 6% on dining and online food deliveries, 3% on online shopping, groceries and recurring monthly bills
  • 3% rebate on land transport in SG & overseas (e.g. Grab, Go-Jek, Ofo & taxi)
  • Up to 22.2% on petrol
  • Min annual income: S$30,000 (S$45,000 for foreigners)
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Read Our Full Review

Best Cash Rebate Card for Moms & Families: 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

With POSB Everyday Card, you can save on every essential daily spends in groceries as well as many other categories. True to its name, it is a superbly versatile card perfect for everyday use. While its grocery reward of 5% is only available at Sheng Siong, there are other great rewards like up to 20% off on petrol, 3% on health & beauty at Watsons and up to 1% on monthly recurring bills. Because these represent the biggest expenditure areas for a family, we recommend this card for moms with a family to take care of. This card is especially effective in keeping one's family healthy while saving money. Its annual fee of S$192.6 is waived for the 1st year.


  • Annual fee: S$192.6, waived for 1 year
  • Rebates: 5% on groceries, 3% on health and beauty expenses, 1% rebate on monthly telco, SP services, cable and broadband bill
  • Up to 20.1% discount on petrol at SPC
  • Promotions: 20% cash rebates on online food delivery and 10% cash rebates on dining (half for existing customers), 10% rebate on ComfortDelgro taxi
  • S$50 welcome cashback for new customers
  • Read Our Full Review

Cashback Rewards in Singapore and Malaysia: Maybank Family & Friends MasterCard Credit Card

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

We typically recommend Maybank Family & Friends MasterCard Credit Card to people who frequently go back and forth between Malaysia and Singapore. However, this card's grocery reward rate is actually very high compared to competition. Whether you are in Singapore or in Malaysia, you can save up to 8% on all of your grocery necessities with this card. Maybank Family & Friends card also provides another 8% discount on petrol & transportation in both countries, making it quite versatile. Because annual fee is easily waived, it is quite affordable for anyone who can spend S$1,000 a month.


  • Annual fee: S$80, waived with S$12,000 of annual spend
  • 8% rebate on transportation (Grab, taxi, bus and train rides), fast food delivery (i.e. foodpanda), and other retail transactions at special merchant outlets
  • Up to 9.3% rebate on groceries including merchant discount
  • Up to 20.88% savings on petrol including merchant discount
  • Above rebates apply in both Singapore & Malaysia
  • Promotion: Receive a complimentary Samsonite Orfeo 69cm Spinner worth S$420 when you apply for 2 Maybank Credit Cards and CreditAble
  • Read Our Full Review

Cashback on Grocery and SMRT: Citibank SMRT Platinum Visa 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

Citibank SMRT Platinum Visa Card presents a unique combination of rewards for people who commute often on SMRT. This card conveniently doubles up as a cashback reward card and an EZ-Link Card, while still offering some of the best rebate rates in Singapore. It offers 7% rebate on groceries at FairPrice, Giant and ShengSiong, up to 15% off on coffee at cafes like Starbucks and 14% off on petrol.

Citi SMRT Card's annual fee is waived for 2 whole years, so you can enjoy these benefits for a long time for free. With Citibank SMRT card, you can save on commute to and fro work, on grocery shopping on your way back home, and on the coffee breaks to keep you going through the day.


  • Annual fee: S$192.6, waived for 2 years
  • Rebates: up to 7% on groceries, up to 15% rebate on coffee, 2% on EZ-Reload Auto Top-Ups

Cashback & Miles in One: HSBC Visa Platinum Credit Card

Consider this if you are looking for savings on monthly cable and mobile bills

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

HSBC Visa Platinum Credit Card is another well-rounded, every day credit card affordable for a moderate budget. This card will not only provide cashback on many of your daily necessities like grocery (5%) at all supermarkets, dining (5%) and petrol (21%), it also awards 0.4 miles for every S$1 you spend on the card. Due to this characteristic, HSBC Visa Platinum can nicely double up as a travel card as well as a cashback card. All of its benefits can come for free, since its annual fee of S$180 comes with a 2-year fee waiver and will be waived subsequently as long as you spend S$12,500 per year (about S$1,000 a month).


  • Annual fee: S$192.6, waived for 2 years, subsequently waived for an annual spend of at least S$12,500
  • 5% cashback on grocery, dining and fuel
  • Up to 21% off on petrol at Shell and Caltex (including 5% cashback on fuel)
  • 0.4 miles for every S$1 you spend
  • Welcome Bonus: A Samsonite Astra 55cm luggage (worth S$350) or S$100 cash back for new customers (S$50 for existing customers)
  • Promotion: Save up to S$10,000 with 1,000 Entertainer 1-for-1 deals
  • Read Our Full Review

Best Grocery Cashback Rewards: UOB Delight Credit 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

As far as grocery is concerned, UOB Delight Credit Card offers the best deal we have seen in Singapore. There are two components to UOB Delight's rewards on groceries. First, there is an 8% discount on groceries at a number of supermarket chains including Cold Storage, Market Place, Jasons, Giant and Guardian. This is already the highest reward on groceries.

On top of this, there is another 10% discount on house brand names at Cold Storage, Giant and Guardian. If you like these house brands products at the aforementioned supermarket chains, UOB Delight card can earn a total of up to 18% discount on groceries for you. Nicknamed a “mom card” by some, it also provides discounts on other family needs like utility bills (3% rebate), making it an excellence choice for anyone with a big family to feed and fixed expenses to take care of every month.


  • Annual fee: S$85.6, waived for the first year
  • Rebates: 8% on groceries, additional 10% on house brands, 3% on contactless transactions & monthly recurring bills

Highest Flat Rate Cashback Card: UOB One Card

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

UOB One Card is arguably one of the best flat rate cashback card in the country. For consumers who are willing to manage their expenses closely and make effort to maximize their awards, UOB One card can provide up to 5% cash back on every S$1 of expense. With this card, you can save not just on grocery, but also on dining, entertainment, travel, shopping and many other things you like to spend money on. It also comes with a petrol discount of up to 24% at SPC and Caltex.

UOB One card is a great flat rate cashback card with an annual fee of S$192.6 that is waived for the first year. One of its few downsides is that its cash rebate is capped at S$1,200 per year, but that's still more than most other cards in the market. We highly recommend UOB One card for anyone who want to save on all their expenses and want to consolidate cashback card into one and reduce number of annoying monthly bills.


  • Annual fee: $192.6, waived 1st year
  • Flat rate cashback of up to 5% (max S$100/month)
  • Up to 24% discount on petrol at SPC and Caltex
  • Extra interest income of up to 3.33% on your UOB One Savings account
  • Promotion: S$80 cash credit for new card members
  • Read Our Full Review

Summary of Best Grocery Rewards Credit Cards 2019

In case you want a quick look at our picks, here are ValueChampion's best grocery rewards credit cards for 2019.

Grocery CardsGrocery RewardAnnual Fee
Citibank Cash Back8%S$192.6Learn More
Maybank Family & Friends8%S$80Learn More
Citibank SMRT7%S$192.6Learn More
POSB Everyday5%S$192.6Learn More
HSBC Visa Platinum5%S$192.6Learn More
OCBC 3653%S$192.6Learn More
UOB DelightUp to 18%S$85.6
UOB One5%S$192.6
Grocery CardsGrocery RewardAnnual Fee
Citibank Cash BackLearn More8%S$192.6
Maybank Family & FriendsLearn More8%S$80
Citibank SMRTLearn More7%S$192.6
POSB EverydayLearn More5%S$192.6
HSBC Visa PlatinumLearn More5%S$192.6
OCBC 365Learn More3%S$192.6
UOB DelightUp to 18%S$85.6
UOB One5%S$192.6

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.

Duckju Kang

Duckju is the Senior Vice President of ValueChampion Singapore. He covers the financial services industry, consumer finance products, budgeting, and investing. He previously worked in the financial services industry, including at such hedge funds as Tiger Asia and Cadian Capital.

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