UOB Delight Credit Card: Best Cashback Card for Groceries

UOB Delight Credit Card: Best Cashback Card for Groceries

This card offers the highest savings possible on grocery expenses.

Good for

  • People who spend heavily on groceries
  • Heads of households who tend to cook at home and need rebates on utility & MRT

Bad for

  • People who spend less than S$800/month on groceries, MRT and utilities
  • People who don't like to purchase house brands at supermarkets

Editor's Rating


UOB Delight Card

UOB Delight Credit Card claims the top spot in our list of best grocery cards in Singapore. If you have a big family, prefer to cook at home and don’t mind buying house brands or private labels at Cold Storage, Giant and Guardian, UOB Delight Credit Card is probably one of the best cashback cards you should have in your wallet. Nicknamed a “mom card” by some, UOB Delight Credit Card provides up to 18% discounts on groceries, and 3% on mass transit and utility bills, making it ideal for anyone with a big family to feed and fixed expenses to take care of every month.

Pros of UOB Delight Card

  • Very low annual fee of S$85.6, waived for the first year
  • Cash rebates targeted for families like up to 18% off on groceries, and 3% off on utility bills (i.e. recurring telco & insurance bills) and mass transit
  • Promotion: Up to S$120 of cash credit for new customers

Cons of UOB Delight Card

  • S$800 monthly minimum spend to enjoy full benefits
  • S$50 monthly cap on cashback, upon reaching earn 0.3% cashback

What makes UOB Delight Card stand out

The highlight of UOB Delight Card is definitely its 8% rebate at supermarkets like Cold Storage, Market Place, Jasons, Giant and Guardian, the highest of its kind we’ve seen in the market. On top of this, you have a chance to save another 10% for house brands at Cold Storage, Giant and Guardian. That’s a whopping 18% savings on your daily groceries! No other card will be able to save you as much in this category. To help pay for transportation back and forth from the supermarket, UOB Delight Card will even provide 3% rebate on all contactless transactions like bus or taxi rides. To top it off, UOB Delight Credit Card provides 3% rebate on recurring bills like telecom bills and insurance. With these categories taken care of, you just have to get some other cards to cover your travel, shopping, dining and entertainment needs. 

The only caveat to this card is that you need to spend a minimum of S$800 monthly on the card to enjoy the 8% rebate on groceries, and that monthly rebate is capped at S$50. This sounds like a high bar, but if you spend S$400 on groceries, S$300 on petrol and another S$100 on telco bills, you can maximize your rebate and meet the requirements! There is no limit to the 10% discount you enjoy at the supermarkets or 0.3% rebate you earn on everything after reaching the cap, so you can save more money after meeting the S$50 per month (S$600 per year) cap on groceries, transportation and recurring bills. 

UOB Delight Credit Card is also very cheap to use. Its annual fee of S$85.6 is one of the lowest in the country, and is waived for the first year. With low fees & high savings rate for every family’s biggest needs, UOB Delight Credit Card is our top choice cashback card for families who prefer to cook at home rather than dine out.

UOB Delight Credit Card's Features and Benefits

UOB Delight Card
  • Annual fee: S$85.6, waived for first year
  • Salary requirement: S$30,000 for locals, S$40,000 for foreigners
  • 8% rebate on groceries at Cold Storage, Market Place, Jasons, Giant & Guardian with minimum monthly spend of S$800, otherwise 3% for above S$400 monthly spend and 0.3% for below S$400
  • Additional 10% discount on house brands at Cold Storage, Giant and Guardian
  • 3% rebate on all contactless transactions like public bus and taxi rides with minimum monthly spend of S$400
  • 3% rebate on all telco and other selected recurring bills like insurance & town council fees with minimum monthly spend of S$400
  • Cap on monthly rebate of S$50 for Delight Merchant rebates, no cap on SMART$ merchants, i.e. for petrol
  • Access to UOB’s SMART$ Merchant program with up to 10% discounts at over 900 merchants
  • Promotion: Up to S$120 of cash credit for new customers

How UOB Delight Credit Card compares with other cards

Read our comparisons of UOB Delight card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

A graph displaying how UOB Delight Card compares to other credit cards in Singapore in terms of their rewards
UOB Delight Credit Card vs Other Cards by Dollar Value*

UOB Delight vs OCBC 365

OCBC 365 Card is a very similar card to UOB Delight in that it has a well-rounded rebates covering groceries, mass transit and monthly recurring bills. However, OCBC 365 covers even more categories like dining and petrol. OCBC 365 is also the cheaper card to use given that it’ll waive its annual fee as long as you spend at least S$10,000 on it annually, and only requires S$600 of monthly minimum spend to receive the benefits. To summarize the key difference between the two cards, OCBC 365 is more comprehensive in coverage but less rewarding in groceries than UOB Delight. Therefore, OCBC 365 may be more suitable for families who want to consolidate their cashback into one card but still maximize rebate on their major expenditure categories. For families who have a strong preference for cooking at home, UOB Delight might be a more suitable choice.

UOB Delight vs Citi SMRT

Citi SMRT card is a credit card that doubles up as an EZ-Link card to be used in daily commutes. It is more expensive than UOB Delight, but its S$160.5 annual fee is waived for 2 years. We think Citi SMRT is ideal for mass transit commuters who enjoy a cup or two of coffee every day and shop for groceries on their way home. It earns up to 7% rebate on groceries above S$50, among the highest rebates we’ve seen in this category. It doesn’t stop there. Citi SMRT also provides up to 15% rebate on coffee at various café chains like Starbucks, and a 2% rebate on EZ-Link Auto Top-Ups in increments of S$30. Minimum monthly spend is low at S$600, but SMRT$ rebate it offers is also capped at S$40 a month (S$280 annually).

These characteristics, in our view, make Citi SMRT ideal for individuals, especially young professionals, who have a budget to meet every month. What better ways to optimize your dollars than to utilize MRT rather than cabs, and cook at home rather than dining out? As long as you spend most of your money on your monthly MRT pass, coffee and grocery shopping, we think Citi SMRT is an ideal candidate to be added to your wallet.

UOB Delight vs Citibank Cashback

If you like to eat well both in and out of home, Citi Cashback card might be a better way to save money than UOB Delight. Citi Cashback provides 8% rebate on all your groceries, matching UOB Delight, though it lacks the additional 10% off on house brands at select retailers. Where Citi Cashback really outshines UOB Delight is the additional 8% rebate on all your dining expenses. If you want to save money on all of your “food” expenses whether you eat at home or at restaurants, Citi Cashback could be the better option in our opinion. However, if you take care of your meals predominantly by cooking at home, you can probably save more money on your grocery shopping (including transportation back and forth) using UOB Delight than Citi Cashback.

UOB Delight vs UOB One

UOB One Card

We wanted to compare UOB Delight with other cards offered by the same bank. UOB One Card is one of the most popular cashback cards in Singapore, and we think it an ideal choice for anyone willing to jump through some hoops to maximize cashback. UOB One offers a simple but rich rebate to customers of up to 5% on every expenditure they make. Since it’s a flat rate reward, UOB One makes more sense than UOB Delight for people who have a sizable and diversified expense basket outside of groceries. The only caveat, however, is that UOB One is rather complicated to use. To earn the 5% cashback, you need to spend almost exactly S$2,000 a month. For expenses of S$500 or S$1,000 a month, you can earn about 3.33% of rebate.

Given these considerations, we think UOB One is suitable for people who have high visibility on their monthly expenses and can optimize their balance on the card at exactly S$2,000 a month. This would most likely include families with large fixed budgets on food, groceries and utilities. 

UOB Delight vs UOB YOLO


UOB YOLO Card is another card from UOB, but it caters to a very different audience. YOLO stands for “You Only Live Once” and UOB YOLO provides benefits specifically chosen to help you do just that. We recommend this card for young professionals who have an active social life outside of their homes and offices, and thrive in basking in the night life swagger. If paying the high annual fee of S$192.6 doesn’t present much of a problem for you, UOB YOLO will provide some of the highest rebates on dining & entertainment, and also provide party perks ranging from VIP access to clubs to 1-for-1 deals at the hottest bars in Singapore.

*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.

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