Grocery Credit Cards

Earn cash rebates and extra rewards when you spend with grocery credit cards.

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grocery shopping

Supermarkets have been offering credit cards for years. They work in the same way a regular credit card, with one fundamental difference — they aim to reward shoppers with more specific rewards, such as discounts at the checkout.

In Singapore, most major supermarkets reward loyal customers for shopping their groceries with them. Look at NTUC Fairprice, Cold Storage, Sheng Siong and Giant- the leading supermarkets of Singapore offer cards on their own or in conjunction with major banks. The supermarket cards reward customers if you shop with them or with one of their partner stores, which include petrol stations and large brand-name retailers.

Citi Cash Back Card

Citi Cash Back Card

Receive S$120 cash back

Offer ends 31 January 2021

Eligibility criteria, terms and conditions, fees and charges apply

Citi Cash Back Card

Apply today and enjoy 8% cash back on dining, groceries and petrol daily, worldwide, including up to 20.88% fuel savings at Esso and Shell.

  • Principal Annual Fee: S$0 annual fee for 1 year - S$192.60 thereafter.
  • Cashback Rate: 8%
  • Annual Interest Rate: 26.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$42,000
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Compare Grocery Credit Cards

Name Product Cashback Offer Cashback Cap Principal Annual Fee Min Income - Singaporean and PR
Maybank Family & Friends Credit Card
Up to 8% cashback with minimum spend of S$800 per month
S$50 per month
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
American Express CapitaCard
Get a referral bonus of S$50 worth of CapitaVouchers when you refer a friend
18,000 STAR$ per month
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 30 April 2020.
Citi PremierMiles Card
Up to 10% cash back at selected merchants
no cap
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 31 March 2020.
Citibank SMRT Card
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
600 SMRT$ per year
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citi Cash Back Card
8% cash back on dining, groceries and petrol transactions
S$25 per category per month
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
HSBC Visa Platinum Credit Card
Up to S$150 cash back when you spend
S$800 in your first month. Ends 31 March 2020

S$250 per quarter

S$150 for the entire promo period
Get free Samsonite T5 68cm Spinner luggage worth S$560. Simply make S$800 in qualifying transactions in the first month of your account. Or choose $150 cashback. Ends 31 March 2020.
UOB Delight Credit Card
Up to 10% SMART$ rebate at over 300 participating outlets islandwide.

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What are the benefits of grocery credit cards?

Retailers are trying to find new ways to promote customer loyalty and increase sales. No longer only providing store cards, supermarkets are partnering with banks to provide convenience as well as brand recognition to customers. When a credit card is combined with a supermarket rewards program, you get a versatile tool that’s able to be used in many locations, and one that’ll make your weekly shopping that bit easier.

What are the types of grocery credit cards in the market?

There are a number of different types of supermarket credit cards available which work in slightly different ways:

  • The card might earn points which are automatically redeemed for a cashback or discount on your shopping bill at the supermarket linked to the card
  • The card might offer you cash rebates over the counter.
  • The card might get you rebates and cashback at partner stores such as cosmetics, airlines, petrol stations, recharge on travel cards and more.

Card features for the major retailers

Let’s take a look at the features of the various cards offered by the supermarkets – NTUC Fairprice, Cold Storage, Sheng Siong and Giant. These features are comparable or even exceed non-supermarket credit cards. Take a look below:

Supermarket retailersFeatures
NTUC FairpriceThere are 2 cards offered by NTUC Fairprice in conjunction with OCBC Bank – the OCBC NTUC Plus! Credit Card and the OCBC Visa Plus! Credit Card. You can earn guaranteed cashback when you shop at Fairprice stores across the island with either of the 2 cards. Every S$1 spent earns Linkpoints that can be redeemed. There is also an additional Annual Cash Rebate as a loyalty reward if you shop with the store the whole year round. You can also earn Linkpoints and rewards for Visa transactions at designated partner stores besides FairPrice, FairPrice Online and Unity. The only catch is that you need to become an NTUC Fairprice member to be eligible for the two cards.
Sheng SiongThis popular supermarket has also tied up with POSB Bank and Citibank to offer rewards cards to consumers. The POSB Everyday Card and the Citibank SMRT Card offer cashback on shopping with the supermarket outlets. You can also receive cashback at Watsons and AirAsia, EZ-Reload, and on petrol at SPC with the POSB Everyday Card. As the name suggests, the Citibank SMRT card also allows cashback on SMRT travel, subject to certain limits.
Giant and Cold StorageThe UOB Delight Credit Card allows you to earn cashback across 3 major supermarkets- Giant, Cold Storage and Market Place as these are all part of the same company. Cashback is rewarded in SMART$ and is valid if purchases exceed S$800 on a monthly basis. You can also get discounts and rebates off Giant and Cold Storage house brand products when you shop with the UOB Delight Credit Card.
Cold StorageCold Storage has also tied up with the Maybank Family & Friends MasterCard Credit Card that not only rewards you for shopping in Singapore but also in Malaysia. Besides grocery shopping, the card also lets you earn cash back and rebates on petrol, transportation (taxi, bus and train rides) in both countries.

Grocery credit card tips

  • A grocery credit card earns rewards points in many of the same ways as a regular rewards card. This means most purchases and even some bill payments are valid transactions which will net you points.
  • You’ll need to be a part of whatever rewards scheme applies to your card. Sometimes these programs will make you a member automatically, but check to see whether you need to join separately and whether a joining fee will apply.
  • You’ll usually get points for making purchases at any store, provided the transaction is eligible but if you make a purchase at the supermarket or partners who provide your card you may earn bonus points. See what purchases will get you bonus points so you can choose where to spend and watch your points balance increase.
  • One of the easiest ways of knowing how you’ll earn points is to first work out what you don’t earn points for. Most cards issued by supermarkets list some transactions as being ineligible transactions — meaning you won’t earn points on them.

Compare grocery cards and apply securely

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