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Best Credit Card for Groceries at Supermarkets

Best Credit Card for Groceries at Supermarkets
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Rating: 5.0/5.0 (1 Reviews)

Last updated on 2023-05-03

1. Should You Use a Credit Card to Buy Groceries?

2. Which Credit Cards to Use for Groceries?

3. Best Credit Cards for Groceries

4. Best Credit Card for Online Groceries

5. Which Credit Card is Best for NTUC FairPrice Supermarket?

6. Which Credit Card is Best for Giant or Cold Storage Supermarket?

7. Which Credit Card is Best for Sheng Siong Supermarket?

 

Should You Use a Credit Card to Buy Groceries?

You should definitely use a credit card for groceries. Grocery shopping might not sound like the most exciting activity to do in the hustle bustle of our everyday lives but it is definitely one that most cannot do without. It is a costly affair as it can cost each family several hundred or even more than a thousand on groceries in a month. Through choosing the right grocery credit card, one can save hundreds a year which can be equivalent to a month of free grocery plus or minus depending on your needs.

 

Which Credit Cards to Use for Groceries?

To maximise the benefits for buying groceries, cardholders should use specialised Grocery Credit Cards that award highest cash back for groceries. Grocery credit cards usually only award cardholders with rebates or cash backs when certain spending requirement is met in a month although there are exceptions. Credit cards from different banks also tend to have tie-ups with different supermarket chains even though there are some cards that award rebates for shopping at any supermarket chains. Hence, it is important to choose a grocery credit card that suits your spending pattern with regards to the amount you put on the card as well as your preferred supermarket for groceries shopping.

 

Best Credit Cards for Groceries

Credit Card Issuer and Type of Card Minimum Requirements / Conditions Rate for Cash Rebate

Trust Bank NTUC Link Card

Minimum spend of $350 in a month outside FairPrice Group. Only for NTUC members

Earn 21% rebate at FairPrice Group
 

DBS yuu Card

5% base rebate at Dairy Farm Group with no minimum spend. 13% bonus rebate subject to minimum spend of $460 in a month

Earn up to 18% rebate at DFI Group

Trust Bank Link Card

Minimum spend of $450 in a month outside FairPrice Group

Earn 15% rebate at FairPrice Group

CIMB Visa Signature Card

Minimum spend of $800 in a month

Earn 10% rebates on groceries at any supermarkets

UOB One Card

Minimum monthly spend of $2000 / $1,000 / $500 for all 3 months in a quarter

Earn up to 10% cash rebate at Cold Storage, Market Place, Jasons and Giant

Citi Cash Back+ Card

Maximum spend of $3,000 for first 2 months

Earn 10% cashback on all spend for first 2 months, 1.6% cashback after first 2 months.

UOB Absolute Cashback Card

10% cashback capped at $1,200 spend, No cap for 1.7% cashback

Earn 10% / 1.7% cashback for first $1,200 spend / thereafter

Citi Cash Back Card

Minimum spend of $800 in a month

Earn 8% cashback on groceries

Maybank Family & Friends Card

Minimum spend of $800 in a month

Earn 8% cash rebate for groceries if groceries chosen as a preferred category for cashback

UOB EVOL Card

Minimum spend of $600 in a month

Earn 8% rebates on online groceries and mobile contactless spend

OCBC FRANK Credit Card

Minimum spend of $800 in a month

Earn 8% rebates on online groceries and in-store mobile contactless spend

BOC Sheng Siong Card

None

Earn 6% cash rebate at Sheng Shiong

POSB Everyday Card

No minimum spend but rebate capped at $30 in a month

Earn 5% cash rebate at Sheng Siong

HSBC Premier MasterCard

Minimum monthly spend of $600 in a month

Earn 5% cash rebate on groceries

Citibank SMRT Card

Minimum spend of $500 in a month

Earn 5% SMRT$ rebate at supermarkets

DBS Live Fresh Card

Minimum monthly spend of $600 in a month

Earn 5% cashback on selected contactless payments and online groceries

HSBC Visa Platinum Credit Card

Minimum monthly spend of $600 for all 3 months in a quarter

Earn 5% cash rebate at all supermarkets

HSBC Advance Credit Card

Minimum $2,000 deposit in fresh funds to HSBC Everyday Global Account and minimum 5 card transactions a month and spend of $2,000 in a month

Earn 3.5% / 2.5% / 1.5% cashback for all spend

Maybank Platinum Visa Card

Minimum spend of $300 / $3,000 in a month for all 3 months in a quarter

Earn 3.33% cash rebate on all spend

ICBC Unionpay Dual Currency Card

Minimum spend of $500 a month for all 3 months in a quarter. Cashback only applicable on spending in excess of $500 each month

Earn up to 2% / 5% / 8% cashback for 1st / 2nd / 3rd month in a quarter on all spend in excess of $500 for each month. Highest effective cashback rate is 3.2%

OCBC 365 Credit Card

Minimum spend of $800 in a month

Earn 3% cashback at any supermarkets

BOC Family Card

Minimum spend of $800 in a month

Earn 3% at cash rebate any supermarkets

SAFRA DBS Credit Card

Minimum spend of $500 in a month

Earn 3% rebates on PayPass and online spend

American Express True Cashback Card

Maximum spend of $5,000 for first 6 months

Earn 3% cashback on any purchase, 1.5% cashback after first 6 months

Bank of China Qoo10 Platinum MasterCard

Minimum spend of $200 in a month

Earn 3% Qmoney rebate for all online spend (including online grocers)

Maybank Manchester United Visa Card

Additional 2% cash rebate only on Manchester United Match days and if they win their match

Earn 3% / 1% cash rebate on all spend

 

Best Credit Card for Online Groceries

The OCBC FRANK Credit Card is an excellent choice for online grocery shopping as it awards 6% cashback for all online spend including online grocery spend. The card is suitable for an increasing number of shoppers who rather shop for groceries online as it saves time and effort. The shift of shopping online for groceries was keenly felt during the Covid-19 period and major supermarkets have reacted by beefing their online presence with online grocery shopping sites. Banks have followed suit by encouraging shoppers to shop for groceries online with credit cards for online shopping that award online shoppers with cashback or rebates.

 

Which Credit Card is Best for NTUC FairPrice Supermarket?

The Trust Bank NTUC Link Card (for NTUC members only) awards an unbeatable 21% rebate for spend at NTUC FairPrice. Cardholders will have to spend $350 in a month outside FairPrice Group to receive the rebate. One possible way for drivers to meet the spend is to also use the card for petrol at Caltex as the card is one of the better Credit Cards for Caltex Petrol.

Alternatively, consumers can consider the Citi Cash Back Card and Maybank Family & Friends Card which are for shoppers who prefer to shop at any supermarket and are able to consolidate spending on various spending categories. Both cards have a large number of spending categories in which attractive cash rebates are offered and a closer look at each consumer's spending pattern is required to decide which card is more suitable.

 

Which Credit Card is Best for Giant or Cold Storage Supermarket?

The DBS yuu Card is a credit card that awards up to 18% rebate for groceries at Dairy Farm Group (includes Giant or Cold Storage Supermarkets). The 18% rebate includes 5% base rebate and 13% bonus rebate. It is one of the best Credit Cards for Cash Back in Singapore with a generous rebate policy and the only drawback is that rebate is in the form of yuu Points which can only be redeemed at participating yuu merchants.

 

Which Credit Card is Best for Sheng Siong Supermarket?

The useful POSB Everyday Card is an outstanding choice when it comes to choosing a credit card for groceries. It awards cardholders with an attractive 5% cash rebate for shopping at Sheng Shiong with no requirements for minimum spend. The rabte is capped at $30 a month but doesn't think the shine off the fact that this is one of the highest rebate one can receive from groceries without any worry about minimum spend on the card.

 

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