The cost of living is constantly on the rise, especially when you are living in Singapore. Being in one of the world’s most expensive cities, high expenses are most certainly anticipated. In fact, getting your weekly groceries might even seem like a heavy commitment. But do you know that you can use your credit card and benefit from the rewards points whenever you pay for your groceries using the credit card? 

Grocery shopping is a routine chore that almost everyone does regularly. Post-pandemic grocery purchases are definitely affected by the spike in prices. Although you can’t adjust the cost of the items you purchase, you can easily earn discounts and rebates with the right credit card. 

How do you pick a suitable credit card?

Considering the number of credit cards available in the market, it can be tricky to select one that accommodates your grocery spending. Here are some effective ways to help you decide. 

First, you need to know your estimated cost of grocery. Most credit cards have a minimum spending limit that you need to reach to enjoy their perks. Next, identify your favourite places to get your groceries. This will help you decide on the best credit card that provides grocery rebates based on your spends in the supermarkets. Lastly, look out for other rewards to make the most of your credit card. There are additional rewards on dining, petrol, and transportation that you could enjoy while you earn grocery rebates. 

We did some research and to make your life easier, we came up with a list of credit cards that will greatly help you with your monthly spending on groceries. 

Top grocery credit cards in Singapore

Maybank Family & Friends Card

Maybank offers you a high cash rebate with the lowest minimum spend of S$500. If you are looking for a minimal range of expenditure, this is your card. With a minimum spend of S$500, you can earn up to 8% cash rebate grocery shopping, restaurants, telco subscriptions, data, transportation services, and petrol costs. 

You can enjoy this credit card’s benefits in both Singapore and Malaysia. This is the best family-friendly card that covers all the basics of family expenses. The cash rebate of up to S$80 per month includes in-store and online purchases. The merchants covered by this card are NTUC Fairprice/Finest/X-tra, Cold Storage, Market Place, Jasons, Giant, Sheng Siong, RedMart, Honestbee, and all other groceries stores and supermarkets in Singapore and Malaysia. 

What’s more, you will also get a bonus of 0.3% cash rebate for other expenses with no cash rebate cap. Besides, you also get to enjoy the first three years of waived annual fee. 

Annual Interest Fee and Rate

S$180 / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non-Singaporean: S$60,000

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HSBC Visa Platinum Credit Card

Exciting offers await you with HSBC Visa Platinum Credit Card. Another card with a low minimum monthly spend of S$600. Exclusive deals are available for groceries, restaurant dining and petrol expenses. It is ideally used for family expenses. 

You will also earn yourself the privilege of waived fee for the first two years. In addition, you also get to enjoy fee waiver for consecutive years with a minimum spend of S$12,500. 

Importantly, you can earn up to 5% cash rebates worth S$250 for every three months of your grocery expenditures. This cash rebate is applied to all grocery stores and supermarkets in Singapore. Additional rewards include petrol discounts in Caltex and Shell stations. 

Annual Interest Fee and Rate

S$193 / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non-Singaporean: S$40,000

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Citi Cash Back Card

Here’s another credit card with up to 8% cashback on groceries, restaurant dining, and worldwide petrol privileges. With a minimum spend of S$800 per month, you will be able to earn nearly S$80 per month. 

As your welcome gift, you will earn S$120 with a minimum spend of S$1,200 in your first three months. You also get to enjoy your fee waived for the first year of your use. 

Not only in Singapore, but this card also supports payments made in all grocery stores and supermarkets worldwide. Your base cashback rate starts from 0.25%. An additional 7.75% cashback applies to every groceries transaction of more than S$800. Similar cashback rates and minimum payments apply for dining in restaurants, cafes and bars, and petrol transactions in Esso and Shell. 

As your cashback amount reaches S$50, it will be automatically credited to your credit card statement. Another added advantage of getting this card is that you can constantly monitor your cashback amount using the Citi Mobile App. What’s more, there is no cashback expiration limit with this credit card, meaning you do not have to use it up forcefully. 

Annual Interest Fee and Rate

S$192.60 / 26.90%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non-Singaporean: S$42,000

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Citibank SMRT Card

If you are a young adult looking for an affordable credit card, this is it. With this card, you get to enjoy its maximum value with only a minimum of S$300 every month. With this amount, you are eligible to earn up to 5% rebates of groceries, fast food, online shopping, public transportation, and movies. Besides that, this card will also make your life easier since you can use this as your EZ-Link card on a daily basis. 

This card is accepted by merchants such as Fairprice, Giant, and Sheng Shiong, Pet Lovers Centre, Popular Bookstore, and Toys”R”Us. You can earn up to S$600 every year if you spend more than S$300 each month in any of these listed merchants. 

For every spend of more than S$300, you will earn 0.3% rebate accumulated to your 7% rebate if you shop in FairPrice Xtra Kallang Wave. For grocery transactions below S$50 at NTUC FairPrice, Sheng Siong, and Giant, you get a 2.7% while 4.7% for purchases above S$50. These rewards are the same for online shopping as well! Not to forget the annual fee will be waived for the first two years of your use.

Annual Interest Fee and Rate

S$192.60 / 26.90%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non-Singaporean: S$42,000

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UOB One Card

With UOB One Card, you have the chance to reach up to 10% rebate at Dairy Farm Group merchants which include Cold Storage, Guardian, 7-Eleven, Giant and many more. You also can earn up to 10% rebate for all Shopee Singapore transactions. 

If you are spending a minimum of S$500 per month, then you will earn up to 3.33% on all retail purchases. New card users are also in the chance of earning nearly S$230 in your first quarter. Additionally, there is also a reward worth 5% bonus cashback on Grab. 

Besides that, UOB One Card offers you a quarterly cash rebate of up to S$77 on your Singapore Power utilities bills. With a fee waiver for the first year of your card application, you can even earn a total of S$2,400 cash rebate annually!

Annual Interest Fee and Rate

S$192.60 / 25.90%

Minimum Income Requirements

Singaporean/Permanent Resident: S$30,000

Non-Singaporean: S$80,000

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Shop And Earn Rewards With Singapore’s Best Grocery Credit Cards

You cannot avoid spending on groceries and skimping on groceries will affect your health in the long run. Instead of cutting down on your grocery budget, you can opt for a better alternative. Using the right credit card wisely, you can get cashbacks and rewards which will help you to save money and maintain your monthly budget.