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Many leading supermarkets in Singapore will reward customers for shopping with them while using a credit card. And there’s more to these types of card than just discounts at the grocery checkout line. You can also get money off at petrol stations, along with further savings at your favourite big-brand retailers.
In this guide, we focus on what you need to know to find the best credit card for groceries.
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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.
There are a number of different types of grocery credit cards available. Here’s what you should keep in mind:
Let’s take a look at the features of the various credit cards in Singapore partnered with supermarkets – NTUC Fairprice, Cold Storage, Sheng Siong and Giant. These features are comparable to, or even exceed non-supermarket credit cards. Take a look below:
| Supermarket retailers | Features |
|---|---|
| NTUC Fairprice | There are two 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$1 spent earns Linkpoints that can be redeemed. There is also an additional Annual Cash Rebate as a loyalty reward if you shop with the store the whole year round. You can also earn Linkpoints and rewards for Visa transactions at designated partner stores besides FairPrice, FairPrice Online and Unity. The only catch is that you need to become an NTUC Fairprice member to be eligible for the two cards. |
| Sheng Siong | This popular supermarket has also tied up with POSB Bank and Citibank to offer rewards cards to consumers. The POSB Everyday Card and the Citibank SMRT Card offer cashback on shopping with the supermarket outlets. You can also receive cashback at Watsons and AirAsia, EZ-Reload, and on petrol at SPC with the POSB Everyday Card. As the name suggests, the Citibank SMRT card also allows cashback on SMRT travel, subject to certain limits. |
| Giant and Cold Storage | The UOB Delight Credit Card allows you to earn cashback across 3 major supermarkets – Giant, Cold Storage and Market Place as these are all part of the same company. Cashback is rewarded in SMART$ 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 Storage | Cold Storage has also partnered 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 cashback and rebates on petrol, transportation (taxi, bus and train rides) in both countries. |
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