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.
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|
|HSBC Visa Platinum Card|
|BOC Sheng Siong Card|
|UOB Delight Credit Card|
|UOB ONE Card|
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
- 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
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
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
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
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