Best Credit Cards for Grocery Shopping in Singapore (2026 Edition)
Where you shop for groceries — and how you pay at the till — decides which credit card actually rewards you. A card that bonuses NTUC FairPrice won’t fire at Cold Storage, and a card built for online checkout earns nothing on a chip-and-pin tap. This guide groups cards by store so you can pick the one that matches your routine, with a table per section showing each card’s earn rate, cap, sweet spot (the spend that fills the bonus cap), minimum spend, and which payment method earns the bonus.
Quick Glossary
- Supermarket / Groceries category — When a card lists “groceries” or “supermarkets” as a bonus category, the bonus applies at all the major chains (NTUC FairPrice, Cold Storage, Giant, Sheng Siong, and similar stores).
- Sweet spot — The monthly spend that fills the card’s bonus cap. Going above this on the same card and category drops you to the base rate, so it’s the optimal stopping point.
- mpd — Miles per dollar. 4 mpd means 4 airline miles for every S$1 spent in the bonus category.
- Mobile contactless (MCL) — Tap-to-pay using Apple Pay, Google Pay, or Samsung Wallet on your phone. Some cards earn ONLY via MCL (UOB EVOL); others EXCLUDE it (Citi Rewards, Citi SMRT, DBS Woman’s World).
- App / online — Card-on-file checkout via a grocery store’s website or app (FairPrice On!, Cold Storage Online, RedMart, Giant Online).
- Min spend — Monthly minimum total spend on the card to unlock the bonus category.
Best Credit Cards for Grocery Shopping at General Grocery Stores
If you spread your grocery spend across multiple chains — FairPrice this week, Cold Storage next — pick a card whose bonus applies at every major supermarket in Singapore. The six cards below give you the same earn rate at NTUC FairPrice, Cold Storage, Giant, or Sheng Siong.
Cashback Credit Cards
| Card | Earn Rate | Cap | Min Spend | Sweet Spot | Payment Method |
|---|---|---|---|---|---|
 Maybank Family & Friends CardApply | 6% Tier 1 / 8% Tier 2 on Groceries (choose Groceries among 5 categories) | S$20 (Tier 1) / S$30 (Tier 2) per category | S$800 (Tier 1) / S$1,600 (Tier 2) | S$333 (Tier 1) / S$375 (Tier 2) per category | Any (contactless / app / online / chip) |
 Citi Cash Back CardApply | 6% on Groceries (shared cap with Dining) | S$80 across all bonus categories | S$800 | S$1,333 across grocery + dining combined | Any |
 CIMB Visa Signature Credit CardApply | 10% on Groceries (one of 5 selected categories) | S$20 per category, S$100 total | S$800 + need 4 of 5 categories filled | S$200 per category | Any |
 UOB One CardApply | 3.33% base + tier bonus (2.67% Tier 1 / 4.67% Tier 2) on supermarkets | S$120/month | S$500/mo (Tier 1) or S$2,000/mo (Tier 2) sustained for a quarter | tier-dependent | Any |
 Citi SMRT CardApply | 5% on supermarkets across every chain | SMRT$600/year (≈ S$600 max annual cashback) | S$500/month per category | S$1,000/month grocery spend | Online or in-store — NOT mobile contactless (e.g. Apple Pay / Google Pay) |
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Miles Credit Cards
| Card | Earn Rate | Cap | Min Spend | Sweet Spot | Payment Method |
|---|---|---|---|---|---|
 UOB Lady’s CardApply | 4 mpd on Family category (incl. supermarkets) — Classic picks 1 of 7 categories; Solitaire picks 2 | Classic: S$1,000/month in chosen category. Solitaire: S$1,500/month total, with S$750 sub-cap per category | None | Classic: S$1,000/mo in Family. Solitaire: S$750/mo in Family (the per-category cap) | Any |
 DBS Woman’s World MastercardApply | 4 mpd (10X DBS Points) on online spending | 10,000 DBS Points / S$1,000 online spend per month | None | S$1,000 per month online | App / online only — mobile wallet excluded |
 Citi Rewards CardApply | 4 mpd on online spending (excludes travel-related transactions) | 9,000 ThankYou points / S$1,000 statement-month spend | None | S$1,000 per statement month | App / online only — mobile wallet excluded |
 UOB Preferred VisaApply | 4 mpd on mobile contactless (Apple Pay / Google Pay / Samsung Pay) + selected categories | S$600/month sub-cap each for mobile contactless and selected category | None | S$600/month | Mobile contactless or pay via app/online for supermarket chains |
 UOB Visa Signature CardApply | 4 mpd on mobile contactless | S$1,200/month total bonus cap | S$1,000 per statement month | S$1,000–S$1,200/month in mobile contactless | Mobile contactless only |
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
My Take
If you spend over S$1,600/month total on this card, Maybank F&F Tier 2 gives the highest grocery cashback at 8%. Below that threshold, Citi Cash Back is the simplest pick at a flat 6% with a bigger shared cap (S$80 vs Maybank’s S$30 per category). CIMB Visa Signature may offer a high headline cashback, but more complicated (need to hit other categories) to maximise cashback. For miles, DBS Woman’s World Mastercard and Citi Rewards both earn 4 mpd on online grocery orders (FairPrice app, Cold Storage Online, RedMart, Giant Online) up to their respective S$1,000/month online-spend caps.
For UOB One, the new Grocery category covers all major supermarkets — purchases earn the tier bonus on top of the 3.33% base. Able to stack with UOB One Account interest boost on your savings account.
Best Credit Cards for Grocery Shopping at DFI Group (Giant, Cold Storage)
Cold Storage, Giant, Guardian, 7-Eleven, and Marketplace by Cold Storage all sit under DFI Group. DBS yuu was built for this network and remains the highest-yielding card by a wide margin. You can use the cards above, but this card is the most optimised for Giant and Cold Storage.
| Card | Earn Rate | Cap | Min Spend | Sweet Spot | Payment Method |
|---|---|---|---|---|---|
 DBS yuu CardApply | Up to 18% cashback or 10 miles per dollar at Cold Storage & Giant | S$144/month bonus cap | S$800 across ≥4 different participating merchants | S$800 across 4+ merchants = fills S$144 cap | Payment via yuu app for max rewards. |
Requirements (tap to expand)
- You qualify if: you have no DBS/POSB credit card right now, AND haven't cancelled any DBS/POSB credit card in the last 12 months
- Enter promo code SINGSAVER during application
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Don't have yuu app yet?
KWMLISBL
How to claim (tap to expand)
- Download the yuu app from the App Store or Google Play
- Enter the referral code KWMLISBL during sign-up
- Receive 2,000 yuu points after registration
My Take
DBS yuu is the best card at DFI Group — at the 18% tier (S$800 across 4+ merchants) you earn around S$144/month in cashback, which beats every other supermarket card. If you don’t hit the 4-merchant threshold, the base 5% on Cold Storage and Giant is still solid for a card with no minimum spend.
Best Credit Cards for Grocery Shopping at Sheng Siong
Sheng Siong sits outside DFI Group and outside the NTUC FairPrice ecosystem. POSB Everyday is the standout — the only card on this list with 5% at Sheng Siong and no minimum spend. The other cards work because Sheng Siong falls under their general “groceries” bonus category.
| Card | Earn Rate | Cap | Min Spend | Sweet Spot | Payment Method |
|---|---|---|---|---|---|
 POSB Everyday Card
Apply |
5% at Sheng Siong (no minimum spend) | Daily$30/month | None | S$600 of Sheng Siong spend | In-store at Sheng Siong |
My Take
For Sheng Siong specifically, POSB Everyday at 5% with no minimum spend is the best pick for most readers. If you spend over S$1,600/month total on Maybank F&F across 5 chosen categories, Tier 2 8% beats POSB Everyday — but the moment your spend dips below S$1,600, POSB Everyday’s no-minimum structure wins on simplicity.
For households with grocery spend between S$312.50 and S$750/month: Maybank Family & Friends Tier 1 (6%, fills the S$20 per-category cap at S$333). Between S$750 and S$1,333/month: Citi Cash Back (6% with shared S$80 cap fills at S$1,333). Above S$1,333: Maybank Family & Friends Tier 2 if you can hit S$1,600 total spend. For miles, refer to list for general grocery stores.
Best Credit Cards for Grocery Shopping at NTUC FairPrice
NTUC FairPrice is Singapore’s largest grocery chain. The standout for NTUC Union members is the Trust Link Credit Card (NTUC Link partnership) at 15.5% rebate when paired with the S$350 outside-FairPrice spend condition. For everyone else, the general supermarket cards work at FairPrice the same way they work elsewhere.
| Card | Earn Rate | Cap | Min Spend | Sweet Spot | Payment Method |
|---|---|---|---|---|---|
 Trust Link Credit Card
Apply & enter code: FYS31XY4 |
Up to 15.5% rebate at NTUC FairPrice (for NTUC Union members; non-Union members earn a lower effective rate) | per NTUC Link rebate programme | S$350 outside-FairPrice spend (Union) / S$450 outside-FairPrice spend (non-Union) | depends on rebate-tier structure | In-store or via Fairprice app |
FYS31XY4
How to claim (tap to expand)
- Download the app from the App Store or Google Play
- Copy the referral code above and enter into the app when prompted
- Sign up with your details
My Take
Trust Link Credit Card is the top pick for NTUC Union members: 15.5% rebate when you spend S$350 outside FairPrice Group. Even factoring in the S$350 extra spend, the effective rebate is around 9.11% — the highest of any card for FairPrice shoppers. Non-Union members face a S$450 outside-FairPrice condition and a lower effective rate, but Trust Link is still the top pick if you shop at NTUC regularly.
Without Trust Link: Maybank F&F Tier 2 (8%) if you can sustain S$1,600+/month spend on the card; CIMB Visa Signature if your spend is spread across 4–5 of its bonus categories; Citi Cash Back at a flat 6% for simpler optimisation. For miles, refer to list for general grocery stores.
Conclusion
The right grocery credit card depends on the chain you shop at, the payment method available, and whether you can sustain the minimum monthly spend.
For shoppers spending S$800+/month: Maybank F&F Tier 2 (S$1,600+) for general grocery, DBS yuu for DFI Group, POSB Everyday for Sheng Siong, and Trust Link (Union members) for NTUC FairPrice. For lower-spend households, POSB Everyday at Sheng Siong is the only no-minimum-spend option with a meaningful cashback rate or a no minimum spend required miles card will work.
💳 Credit cards change their T&Cs every so often and it’s difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
