Best Grocery Credit Cards 2024

Best Grocery Credit Cards 2024

Here is a thorough overview of the top grocery credit cards available in Singapore for 2024! Here’s the place to go if you want to get the most out of your food shopping in terms of rewards and discounts. We’ll go into great detail on the best credit cards in this article, including those that give points, cashback, and savings on groceries. We have all the necessary information to assist you in selecting the best credit card for your grocery needs, regardless of your level of experience with credit cards. Let’s set you on the path to more meaningful savings and wiser purchasing!

Best Grocery Credit Cards 2024

Best Grocery Credit Cards 2024

1

UOB One Card

Cash Back at DFI Retail GroupUp to 10%
Cashback Cap per quarterUp to S$500
Min. Spend per monthS$500

Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date.

Grocery Features:

  • Up to 10% cashback at DFI Retail Group (Cold Storage, CS Fresh, Giant, Guardian, 7-Eleven & more)
  • Up to 3.33% cashback on other groceries spend (based on S$500, S$1,000 or S$2,000)
2

Citi Cash Back+ Mastercard®

Cash Back on Eligible Spend1.6%
Min. Spend per monthS$0
Cash Back Cap per monthUnlimited

Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!

Grocery Features:

  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
3

Standard Chartered Simply Cash Credit Card

Cash Back on Eligible spendUp to 1.5%
Min. Spend per monthS$0
Cash Back Cap per monthUnlimited

Get a Nintendo Switch OLED (worth S$549) or a Hinomi Q1 Ergonomic Chair (worth S$499) or a Apple Watch SE (worth S$382.50) or a Apple AirPods Pro (worth S$365.70) or a ErgoTune Classic Ergonomic Chair (worth S$399) or a Titan V1 Foldable Bike (worth S$399) or up to S$370 Cash via PayNow* when you apply and meet the relevant spend criteria!

Grocery Features:

  • Flat 1.5% cashback rate for all eligible purchases
  • No cashback cap and no minimum spend
4

HSBC Revolution Credit Card

on Online Spend and Contactless PaymentsS$1 = 10X Points
on All Other SpendS$1 = 1X Point
for every 10 PointsEarn 4 Miles

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month.

Grocery Features:

  • Base earn rate: 1 reward point per S$1 spent. No rewards cap
  • 10X Points or 4 Miles bonus: On top of the base 1 reward point, get 9 extra reward points on every S$1 spent on Visa PayWave and Apple Pay contactless payment methods, online spending, food deliveries, and travel bookings
  • Eligible groceries and dining transactions include grocery stores, supermarkets, candy, nuts, confectionery stores, bakeries, caterers, eating places and restaurants, bars, drinking places, nightclubs, fast food restaurants, and food delivery platforms such as GrabFood, FoodPanda, and Deliveroo
5

Citi Cash Back Card

Cash Back on GroceriesUp to 6%
Total Cash Back CapS$80
Min. Spend to unlock the 6% CashbackS$800

Get a Sony WH-1000XM5 Wireless Noise Cancelling Headphones (worth S$589) or an Apple iPad (9th Gen), 64GB (worth S$508.30) or a Nintendo Switch OLED (worth S$549) or S$300 Cash via PayNow, in as fast as 6 weeks from meeting the S$500 spend criteria!

Grocery Features:

  • Base cashback rate: 0.2% on all grocery transactions
  • An additional 5.8% cashback will be applied to your grocery transactions if you spend at least S$800 on your card per statement month
  • Eligible grocery merchants include grocery stores and supermarkets worldwide
  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more
Best Grocery Credit Cards 2024
6

UOB Lady’s Card

Base Earn RateS$5 = 1X UNI$ (or 2 miles)
Category of ChoiceS$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)
Min. SpendS$0

Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB customers who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date.

Grocery Features:

  • Up to 25X UNI$ per S$5 spent (equivalent to 10 miles per S$1) on Family (Grocery + Kidswear) with no min. spend required
  • Flexibility to change your category every quarter
  • Valid for online, in-stores, local and overseas spend
7

HSBC Visa Platinum Credit Card

Cash Back on All Grocery Spend5%
Cash Rebate Cap per quarterS$250
Min. spend monthly in a calendar quarterS$600

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month.

Grocery Features:

  • 5% cash rebate on all grocery spend with min. S$600 spend/month for all 3 months in a calendar quarter
  • S$250 cash rebate cap per calendar quarter
8

Standard Chartered Journey Credit Card (No Annual Fee)

for every S$1 spend on Online Grocery merchants. Capped at 3,000 Miles in a statement cycleS$1 = 3 Miles
for all Eligible Foreign SpendsS$1 = 2 Miles
for all Eligible Local SpendsS$1 = 1.2 Miles

Earn up to 25,000 Miles when you meet the eligible spends AND have your first year Annual Fee waived when you sign up for the Journey Credit Card. Earn up to 45,000 Miles when you meet the eligible spends and pay your card’s first year Annual Fee when you sign up.

Grocery Features:

  • Earn 3 miles per S$1 spent on Online Transactions: Grocery
  • Earn 1.2 miles per S$1 for Local Spends
9

UOB Absolute Cashback Card

Cash Back on Eligible Spend1.7%
Min. Spend per monthS$0
Cash Back CapUnlimited

Enjoy 10% cashback (equivalent to S$100) on the first S$1,000 spend within thirty days and get S$350 Cash Credit from UOB when you successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month, for 2 consecutive months from the card approval date.

Grocery Features:

  • 1.7% Limitless Cashback on Grocery
10

DCS Sheng Siong Card

at Sheng Siong outlets (with no minimum spend)Up to 5% Rebate
when you spend outside Sheng SiongEarn Club Rewards Points
Annual Principal FeeS$196.20 (inclusive of GST)

Receive a pair of GOTRIP luggage bags (worth S$500) when you apply for a minimum of any 2 eligible DCS cards and spend a minimum of $350 monthly for 2 consecutive months OR apply for an eligible DCS card and spend a minimum of S$450 monthly for 2 consecutive months.

Grocery Features:

  • Earn 5% Rebate of up to S$1,000 spent per month per card account on your DCS Sheng Siong Regular Credit Card at Sheng Siong outlets.
  • Earn 2% Rebate of up to S$500 spent per month per card account on your DCS Sheng Siong $500 Limit Credit Card at Sheng Siong outlets.

In conclusion, selecting the ideal supermarket credit card for your requirements may improve your shopping considerably and ultimately result in cost savings. You now have the knowledge and resources necessary to make an informed choice thanks to our guide on the Best Grocery Credit Cards in Singapore for 2024.

There is a credit card that is designed to fit your spending patterns and tastes, regardless of whether you value rewards points, cashback, or discounts. Make the most of these deals to increase the value and economy of your supermarket shopping. Enjoy your purchases and the perks of the credit card you have selected!

Do check out our list of Credit Cards in Singapore 2024 and have time to check their services.

Frequently Asked Questions

FAQs

What are grocery credit cards?

Grocery credit cards are specialized credit cards that offer enhanced rewards, cashback, or discounts specifically for purchases made at grocery stores.

What benefits do grocery credit cards offer?

Grocery credit cards typically offer higher rewards, cashback, or discounts on grocery purchases compared to regular credit cards. Some may also provide additional perks like dining discounts, fuel savings, or travel rewards.

How can I choose the best grocery credit card for me?

To choose the best grocery credit card, consider factors such as the rewards rate for grocery spending, annual fees, additional benefits like dining or travel rewards, and any specific promotions or sign-up bonuses.

Which credit card issuers offer the best grocery credit cards in 2024?

The best grocery credit cards can vary based on individual preferences and spending habits. Popular issuers offering competitive grocery credit cards in 2024 include

Do grocery credit cards have any limitations or restrictions?

Some grocery credit cards may have spending caps, specific merchant requirements for earning rewards, or restrictions on eligible grocery stores. It’s essential to review the terms and conditions of each card before applying.

Are there any additional fees associated with grocery credit cards?

While many grocery credit cards offer rewards and benefits, they may also have annual fees, foreign transaction fees, or late payment penalties. It’s crucial to understand these fees and how they may impact your overall savings.

Can I use grocery credit cards for online grocery purchases?

Yes, most grocery credit cards can be used for both in-store and online grocery purchases, depending on the card’s acceptance network and the specific terms of use.

What should I do if I lose my grocery credit card or suspect fraudulent activity?

If you lose your grocery credit card or notice unauthorized transactions, contact your card issuer immediately to report the issue and request a replacement card or investigate the suspicious activity.

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