Best credit cards for grocery shopping in Singapore (2018)

Best credit cards for grocery shopping in Singapore (2018)

Grocery shopping is one of the greatest threats to your wallet.

Supermarkets and minimarts are deviously arranged to maximise your impulse spending. You may go in expecting to spend $200 but come out $300 poorer.

At the very least, you can use the right credit card to maximise your rebates. This could range from direct cashback to points that you can accumulate to exchange for more rewards.

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Groceries Credit Cards
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You could look through the full list by clicking the button on top. Or, you could let us do most of the hard work and help you figure out some of the best credit cards for grocery shopping.

Credit card

Cashback for grocery spending

Other notable rewards

Maybank FC Barcelona Visa Signature Card

  • 1.6%
     
  • No cashback cap
     
  • No minimum spend required
  • 2 TREATS points for the equivalent of $1 spent on foreign currency transactions
     
  • 5% discount at FCBotiga official store in Camp Nou
     
  • 10% discount on FC Barcelona official online store (Asia Pacific)

HSBC Visa Platinum Card

  • 5% cashback, with a minimum monthly spend of $800 a month for a full quarter
     
  • 3% cashback with a minimum monthly spend of $400 a month for a full quarter
     
  • Cashback capped at $120 per quarter
  • 5% cashback on petrol with a minimum spend of $800 a month for a full quarter
     
  • 3% cashback with a minimum spend of $400 a month for a full quarter
     
  • 2% cashback on dining (monthly spend of $800 for a full quarter)
     
  • 1% cashback for dining (monthly spend of $400 for a full quarter0
     
  • 1 reward point per $1 spent on all expenses

BOC Sheng Siong Card

  • 7% in all Sheng Siong stores (capped at $70 per month)
     
  • +5% cashback with minimum spend of at least $400 outside of Sheng Siong (capped at $20 per month)
  • 5% cashback on Grab and taxi rides (capped at $20, minimum spend of $400 outside of Sheng Siong)
     
  • 1% cashback on overseas spend
     
  • 0.3% cashback on entertainment, petrol, and dining (no cap)

UOB Delight Credit Card

  • 8% cashback at Cold Storage, Giant, Jasons and Guardian
     
  • Capped at $50
     
  • Minimum spend of $800 required
  • 3% cashback for spend on UOB Mighty Pay, Apple Pay, Visa payWave and more with a minimum total spend of $400
     
  • 0.3% cashback on other expenses

UOB ONE Card

  • 3.33% cashback
     
  • Rewards cap of $100 per quarter
     
  • Minimum spend of $1,000 per month
  • 10% rebates in the form of SMART$, at participating outlets
     
  • 3.33% cashback on dining, petrol, shopping, and overseas spend

Maybank FC Barcelona Visa Signature Card

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  • Free Samsonite Orfeo 69cm Luggage (worth $420) for new-to-bank applicants, if you apply for two new Maybank credit cards, and spend at least $500 within two months of approval.
  • Annual fee waived for first two years

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Maybank FC Barcelona Visa Signature Card

This card isn’t just great for FC Barcelona fans. It’s the most straightforward card on the list, giving you flat out 1.6% cashback on everything.

There are no cashback caps or minimum spend requirements too, so that’s another win in our books.

If you loathe having to pick through your cards to optimise them – or you only want one card – this is your top choice.

Get this card if you prize simplicity

HSBC Visa Platinum Card

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  • New-to-bank applicants can a choose a welcome gift of either an Samsonite Astra luggage or $100 cashback if you spend at least $600 within a month of approval
  • Existing customers receive $50 cashback if you spend at least $600 within a month of approval
  • Annual fee waived for first two years

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HSBC Visa Platinum Card

This is the only card that gives you a high cashback rate of 5% for both groceries and petrol.

While the $800-a-month minimum may seem high, remember that your recurring bills can be paid through the same card. This can make it easy to qualify for the full rebate.

And even if you don’t make the $800 minimum spend, a $400 minimum spend will still net you a 3% rebate.

Overall, the people who benefit from this card are the ones who both drive and buy groceries.

Get this card if you often need to feed both your car and family

BOC Sheng Siong Card

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  • 7% in all Sheng Siong stores (capped at $70 per month)
  • +5% cashback with minimum spend of at least $400 outside of Sheng Siong (capped at $20 per month)
  • Annual fee waived for first year

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BOC Sheng Siong Card

While there’s a cashback cap of $90 (this includes both the 7% for grocery shopping, and the 5% for out-of-store purchases), this is a good card for Sheng Siong regulars.

It’s highly specific and with such a high cashback rate, you’re likely to optimise it with just two grocery runs per month (or a big one).

Get this card if you are a Sheng Siong regular

UOB Delight Credit Card

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  • $150 cash credit for being among the first 500 new-to-bank customers to apply online, and spend $1,200 within the first 30 days of approval (valid till 30 Sep 2018)
  • Annual fee waived for first year

APPLY NOW

UOB Delight Credit Card

This grocery card is capped at $50 cashback. However, it’s easy to optimise as you’ll hit that number in no time with a whopping 8% rebate.

The key is to make sure you stack most of your expenses on the same card, since there’s a minimum spend of $800 to get the best benefits. Do combine some other non-groceries expenses on this card to get the best of it.

If your monthly expenses are much lower than this, however, pick another card with a lower minimum spend. This card is better suited to those who spend above-average amounts on groceries.

Get this card if your grocery budget is unusually high to feed a big family

UOB ONE Card

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  • $150 cash credit for being among the first 500 new-to-bank customers to apply online, and spend $1,200 within the first 30 days of approval (valid till 30 Sep 2018)
  • Annual fee waived for first year

APPLY NOW

UOB ONE Card

The UOB ONE card has a high minimum spend requirement – at least $1,000 a month. However, the 3.33% cashback (with a $50 cap) applies to almost everything, even overseas spending.

If you insist on paying everything through the same card, but you still want a higher cashback rate than the Maybank FC Barcelona card, then this could be right for you.

It may be best to combine all your spending on this single card, to make the $1,000 requirement.

Get this card if you prefer its versatility at accumulating cashback for almost all kinds of spending