This guide will show you the best credit cards for grocery shopping, depending on where you shop and how much you spend.
Here’s what we’ll cover:
- Best Credit Cards for Grocery Shopping at General Grocery Stores
- Best Credit Cards for Grocery Shopping at DFI GROUP (Giant, Cold Storage)
- Best Credit Cards for Grocery Shopping at Sheng Siong
- Best Credit Cards for Grocery Shopping at NTUC Fairprice
Best Credit Cards for Grocery Shopping at General Grocery Stores:
Winner of Cashback Cards:
Maybank Family & Friends Card [min. monthly spend: S$800]
Maybank Family & Friends Sign Up Promotion:
- Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or S$200 cashback as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
- Fill up this google form after signing up to qualify for rewards
- Read Terms and Conditions here
Winner of Miles Cards:
Citi Rewards + Amaze [No min. monthly spend]
Citi Rewards Sign Up Promotion:
Option 1: Bank Promotion
- Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
- Valid til 31 July 2025
- Read Terms and Conditions here
Option 2: SingSaver
- Get 2X Hinomi Q1 Ergonomic Office Chair (worth S$998) or Apple iPad 9th 10.2” WiFi 64GB (worth S$479) or S$420 Shopee Vouchers or S$370 Cash via PayNow when you spend a minimum of S$500 within 30 days of card approval
- Valid From 03 March, 5PM – 31 March 2025
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email and complete the registration to secure your reward!
Cashback Cards | Earn Rate | Minimum Spend | Cashback Cap | Notes |
8% cashback | S$800 per month | S$25 cashback cap | I would pick Maybank Family and Friends Card over CIMB Visa Signature as the categories are more common and easier to hit. Great for overall family spend over 5 different categories. Great for those who spend up to S$312.50 on groceries. | |
6% cashback | S$800 per month | S$80 combined cashback cap across all categories | If you have a consistently high spending up to S$1333 per monthly at various groceries stores, you should then go for Citi Cashback Card instead as it has a S$80 combined cashback cap - means at S$1333 spend on purely groceries alone, you would earn the full S$80. | |
10% cashback | S$800 per month | S$20 for grocery category; S$100 overall cap | Even though CIMB Visa Signature gives you the highest cashback of 10%, the overall cashback is capped at S$20 for groceries category. This means you need to use the card for other eligible categories too to maximise their cashback and the eligible categories are not the most versatile in my opinion. |
Miles Cards | Earn Rate | Minimum Spend | Spend Cap |
4 miles per dollar | No min spend | S$1000 per month spending cap | |
4 miles per dollar (Family Category) | No min spend | S$1,000 (Classic) / S$2000 (Solitaire and above) | |
 UOB Preferred Platinum Visa Card | 4 miles per dollar | No min spend | S$1,110 |
My take:
I prefer an overall grocery category-based card because it gives you a lot more freedom on choice of store. However, if you just shop at one grocery outlet, you can consider the cards below to see if it suits your lifestyle better.
Now let’s look at the individual groceries stores:
Best Credit Cards for Grocery Shopping at DFI GROUP (Giant, Cold Storage)
Winner of Cashback Cards:
DBS Yuu [min. monthly spend: S$600]
DBS yuu Sign Up Promotion:
- Get S$300 cashback when you apply for this card and spend a minimum of S$800 within the first 60 days from card approval date
- Promo Code: CASH300
- Promo valid until 30 April 2025
- Promotion is valid for new DBS/POSB credit cardmembers only
- Must fulfill spending requirement to receive gift confirmation
- Read Terms and Conditions here
Citi Rewards Sign Up Promotion:
Option 1: Bank Promotion
- Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
- Valid til 31 July 2025
- Read Terms and Conditions here
Option 2: SingSaver
- Get 2X Hinomi Q1 Ergonomic Office Chair (worth S$998) or Apple iPad 9th 10.2” WiFi 64GB (worth S$479) or S$420 Shopee Vouchers or S$370 Cash via PayNow when you spend a minimum of S$500 within 30 days of card approval
- Valid From 03 March, 5PM – 31 March 2025
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email and complete the registration to secure your reward!
My take: The DBS Yuu is the only card you should really consider if they spend regularly at DFI Group (Giant or Cold Storage etc). It beats the 4 miles per dollar cards any time. However, if you are looking for a no minimum spend option, then Citi Rewards + Amaze would be better for you.
Cashback Cards | Earn Rate | Minimum Spend | Cashback Cap | Notes |
18% cashback | S$600 per month | S$78 | Undefeatable! | |
10% cashback | S$500 per month |
Miles Cards | Earn Rate | Minimum Spend | Spend Cap |
4 miles per dollar | No min spend | S$1,000 | |
4 miles per dollar (Family Category) | No min spend | S$1,000 (Classic) / S$2000 (Solitaire and above) | |
UOB Preferred Platinum Visa Card | 4 miles per dollar | No min spend | S$1,110 |
Best Credit Cards for Grocery Shopping at Sheng Siong
Winners of Cashback Cards:
Maybank Family and Friends [min. monthly spend of S$800]
Depending on your grocery spending, you can choose any of these cards. Below S$312.50 on groceries, use Maybank Family & Friends Card. Between S$312.50 to S$750, use BOC Sheng Siong. Between S$750 – S$1,333, use Citi Cashback card.
Citi Cashback Sign Up Promotion:
Option 1: Bank Promotion
- Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
- Valid til 31 July 2025
- Read Terms and Conditions here
Option 2: SingSaver Promotion
- Get 2X Hinomi Q1 Ergonomic Office Chair (worth S$998) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$479) or S$400 Shopee Vouchers or S$350 Cash via PayNow when you spend a minimum of S$500 within 30 days of card approval
- Valid From 03 March, 5PM – 31 March 2025
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email to secure your rewards after you have applied!
Cashback Cards | Earn Rate | Minimum Spend | Cashback Cap | Notes |
8% cashback on 5 chosen categories | S$800 per month | S$25 per month | Highest overall cashback for a combination of spending. Great for up to S$312.50 of grocery spending. Can pair with Amaze for overseas spending. | |
6% cashback on groceries | S$800 per month | S$80 combined cashback cap across all categories | Highest cashback if you spend up to S$1,333 on groceries. Only thing is that cashback redemption is not automatic and minimum redemption is S$50. | |
 BOC Sheng Siong Card | 6% cashback on Sheng Siong transactions | No min spend | S$45 per month | Highest cashback for no minimum spend required |
5% cashback | No min spend | S$50 | Add New | |
5% cashback on Sheng Siong transactions | None for Sheng Siong spend | Capped at Daily$30 per month | Add New |
Miles Cards | Earn Rate | Minimum Spend | Spend Cap |
4 miles per dollar | No min spend | S$1,000 | |
4 miles per dollar (Family Category) | No min spend | S$1,000 (Classic) / S$2000 (Solitaire and above) | |
UOB Preferred Platinum Visa Card | 4 miles per dollar | No min spend | S$1,110 |
Best Credit Cards for Grocery Shopping at NTUC Fairprice
Winner of Cashback Cards:
NTUC Link Credit Card for NTUC Members [min. monthly spend: S$350 outside the FairPrice Group]
Winner of Miles Cards:
Cashback Cards | Earn Rate | Minimum Spend | Cashback/ Points Cap |
 NTUC Link Credit Card or Trust Link Card | 15.5% rebate on groceries and food at Fairprice | a minimum spend of S$350 monthly on purchases outside the FairPrice Group. | 5,500 Linkpoints |
10% | S$800 | S$20 for grocery category; S$100 overall cap | |
8% | S$800 | S$80 | |
8% | S$800 | S$25 |
Miles Cards | Earn Rate | Minimum Spend | Spend Cap |
4 miles per dollar | No min spend | S$1,000 | |
4 miles per dollar (Family Category) | No min spend | S$1,000 (Classic) / S$2000 (Solitaire and above) | |
UOB Preferred Platinum Visa Card | 4 miles per dollar | No min spend | S$1,110 |
My Take: Trust Link Credit card requires you to spend S$350 outside of FairPrice Group to qualify for 15.5% rebate if you were a union member. But if I factor in the extra spending of S$350, the total rebate is around 9.11% for union members.
The rebate will be less with a higher minimum spend requirement of S$450 outside of FairPrice Group for non-union members. But it is still the highest cashback card for NTUC shoppers.
My Take:
While miles credit cards give an easy 4 miles per dollar with no minimum spend, cashback credit cards give the highest amount of rewards if you are able to hit the minimum monthly spend required. Choosing the right credit card for you when it comes to grocery shopping really depends on your lifestyle and the convenience and proximity of the above mentioned grocery outlet to your home. I reckon cashback cards are suitable for those who have higher monthly grocery expenditure (e.g. Home-based food business or feeding a large family) or able to hit minimum monthly spending required. On the other hand, miles cards are suitable for those who don’t want a minimum spending on their grocery spending.
No matter which card you choose, you can maximize your savings by signing up for current bonus offers. Check the links below to see the latest deals on miles and cashback credit cards.
Citi Cashback Sign Up Promotion:
Option 1: Bank Promotion
- Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
- Valid til 31 July 2025
- Read Terms and Conditions here
Option 2: SingSaver Promotion
- Get 2X Hinomi Q1 Ergonomic Office Chair (worth S$998) or Apple iPad 9th 10.2″ WiFi 64GB (worth S$479) or S$400 Shopee Vouchers or S$350 Cash via PayNow when you spend a minimum of S$500 within 30 days of card approval
- Valid From 03 March, 5PM – 31 March 2025
- Promotion is valid for new to bank credit card holders
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email to secure your rewards after you have applied!
Credit cards change their T&Cs every so often and it is 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.
We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
