The best grocery credit card in Singapore depends on where you buy your food. If you do all your shopping at FairPrice, the Trust Link card pays the most: up to around 21 percent back at FairPrice Group for NTUC members, with no annual fee and a low S$350 monthly minimum spend outside FairPrice. If you shop at Cold Storage or Giant, the DBS yuu card is the strongest at up to 18 percent cash rebate. If you want one card that pays a flat rate at any supermarket without merchant rules, the Citi Cash Back card gives 6 percent on groceries and the OCBC 365 gives 3 percent. The catch with every one of these is the same three things: a minimum monthly spend you must hit, a cap on how much bonus you can earn, and a list of which supermarkets actually count. Get those wrong and a headline rate of 18 percent can pay you almost nothing.
There is no single best grocery card in Singapore. The right one depends on which supermarket you go to most and how much you spend a month. The headline rates look dramatic, but they only apply to specific chains, up to a monthly cap, and usually after you clear a minimum spend. Pick by your supermarket first.
The grid below is the short version. The rest of this guide explains the conditions behind each rate, because the conditions are what decide whether you actually get the number on the box.
| You shop mostly at | Card | Headline grocery rate | Min spend / cap |
|---|---|---|---|
| FairPrice (NTUC member) | Trust Link | Up to ~21% in Linkpoints + savings | S$350/mth outside FairPrice; no annual fee |
| Cold Storage / Giant | DBS yuu Visa | Up to 18% cash rebate | S$800/mth + 4 partners; cap 28,800 yuu Points (S$144)/mth |
| Sheng Siong | POSB Everyday | 5% cash rebate at Sheng Siong | No min spend; cap Daily$20 (S$20)/mth, so max S$400 spend at 5% |
| Any supermarket, highest no-fee rate | CIMB Visa Signature | 10% on groceries | S$800/mth; grocery sub-cap S$20/mth; no annual fee for life |
| Any supermarket, flat rate | Citi Cash Back | 6% on groceries | S$800/mth; S$80 total cashback cap/mth |
| Any supermarket, lower rate broad categories | OCBC 365 | 3% on groceries | S$800/mth; S$80 cap (S$160 at S$1,600 spend) |
| Any spend, genuinely no minimum | SC Simply Cash | 1.5% flat on everything | No min spend; no cashback cap |
| Mixed daily spend, high spender | UOB One | Up to ~8% on groceries | S$2,000/mth tier; S$200 quarterly cashback |
| Pick-your-own categories | Maybank Family & Friends | 6% on groceries | S$800/mth for 6%; grocery sub-cap S$20-30/mth |
If FairPrice Group is your default, the Trust Link credit card from Trust Bank is hard to beat in 2026. It has no annual fee for the main card or supplementaries, and it stacks Linkpoints with FairPrice member savings to reach a combined value of up to around 21 percent at FairPrice Group for NTUC Union members. That headline blends several layers, so it helps to see how it is built.
On FairPrice Group groceries, NTUC members earn a base of 0.5 percent in Linkpoints, plus an extra 2 percent that is exclusive to FairPrice members on groceries (capped at 12,000 Linkpoints a year). On top of that, members earn a bonus on FairPrice Group spend when they clock at least S$350 a month of spend outside FairPrice, capped at 5,500 Linkpoints, and a further quarterly bonus for hitting that S$350 across three consecutive months. Outside FairPrice the rate drops to roughly 0.22 percent on local spend, so this is a card you point at FairPrice and use a low, steady amount elsewhere just to keep the bonus alive.
FairPrice is not everyone's supermarket. If you shop at Cold Storage, Giant, CS Fresh or pick up things at Guardian and 7-Eleven, the DBS yuu Visa card is the strongest play in 2026. You choose between earning 10 miles per dollar or up to 18 percent cash rebate at yuu merchant partners, which include Cold Storage, Giant, Guardian, 7-Eleven, foodpanda and SimplyGo.
To earn the high rate you need a minimum monthly spend of S$800 and you must transact at four different participating merchants (including SimplyGo) in the same calendar month, per the DBS yuu card terms updated in October 2025. The bonus is capped at 28,800 yuu Points a month, which works out to about S$144 in value, or roughly S$823 of spend at the 18 percent tier before you fall back to the base rate. The annual fee is S$196.20, with a first-year waiver for the principal card, so factor in a fee waiver request or steady spend if you keep it long term. For a couple doing a S$700 to S$800 monthly grocery run at Cold Storage or Giant, this card pays more than almost anything else, provided they clear the S$800 floor and the four-merchant rule.
One thing to watch: the 18 percent figure is cash rebate at yuu merchants specifically. Spend at a supermarket that is not a yuu partner and you do not get the bonus, so check the partner list against where you actually shop before you switch.
If you bounce between FairPrice, Sheng Siong, Cold Storage and whatever is nearest, a card that pays the same rate at any supermarket beats a chain-specific card you can only half use. Two cards do this cleanly.
The Citi Cash Back card pays 6 percent on groceries at supermarkets coded under the grocery merchant category (MCC 5411), which covers FairPrice, Cold Storage, Giant and Sheng Siong, plus 6 percent on dining and 8 percent on petrol. The minimum spend is S$800 a month and total cashback is capped at S$80 a statement month across all categories combined. Spend under S$800 and you drop to 0.2 percent. The annual fee is S$196.20 with the first year waived.
The OCBC 365 card pays 3 percent on groceries (local and overseas), 5 percent on dining and food delivery, and 6 percent on petrol. It needs S$800 a month to earn the bonus, capped at S$80 cashback a month; spend S$1,600 a month and the cap rises to S$160. The first two years' annual fee are waived, then S$196.20 unless you spend S$10,000 a year. The 3 percent grocery rate is lower than Citi's 6 percent, but the OCBC 365 spreads its bonus across more everyday categories, so it can pay more overall if your spend is broad rather than grocery-heavy.
Sheng Siong is one of the cheapest places to do a weekly shop, yet most of the chain-specific cards above ignore it. Trust pays its top rate only at FairPrice; DBS yuu rewards Cold Storage and Giant, not Sheng Siong. If Sheng Siong is your store, the POSB Everyday card is the quiet winner in 2026.
POSB Everyday pays 5 percent cash rebate on all grocery spend at Sheng Siong with no minimum spend requirement, per the POSB Everyday Card Cash Rebates terms updated 5 June 2025. The catch is the cap: from 1 July 2025 the monthly limit dropped from Daily$30 to Daily$20, and since Daily$1 converts to S$1, that is S$20 of rebate a month. At 5 percent, S$20 is the rebate on S$400 of Sheng Siong spend, after which you fall to the base 0.3 percent. For a single person or a couple whose Sheng Siong bill sits around S$300 to S$400 a month, that is a clean S$15 to S$20 back with nothing else to qualify for. The card carries the standard S$196.20 annual fee with the first year waived.
The honest read: POSB Everyday is a top-up card, not a main card. The S$20 cap means it stops paying once your Sheng Siong spend passes S$400, so pair it with a flat-rate card for everything else. It earns its place purely because nothing else rewards Sheng Siong at 5 percent with zero minimum spend.
Two cards solve problems the headline cards above leave open: a high grocery rate with no annual fee at all, and a flat rate with genuinely no minimum spend.
The CIMB Visa Signature pays 10 percent cashback on groceries, online shopping, health and wellness, pet shops and cruises, with no annual fee for life, per CIMB's published card terms. To earn the bonus you need S$800 of spend a statement month, and the rebate is capped at S$20 per category and S$100 in total a month; beyond the cap you earn 0.2 percent. The S$20 grocery sub-cap means it pays 10 percent on the first S$200 of supermarket spend, so treat it the way you treat the Maybank card: a high headline rate that a small sub-cap keeps modest. Where it stands out is the fee. With no annual fee ever, there is no waiver to chase and nothing to lose by holding it for the months you spend across several of its bonus categories.
The Standard Chartered Simply Cash card answers the question every other card dodges: a card with no minimum spend. It pays a flat 1.5 percent on everything, groceries included, with no minimum spend and no cashback cap, and a S$196.20 annual fee with the first year waived. The 1.5 percent rate is lower than the bonus cards, but it never makes you hit S$800 or count merchants, so for a light spender whose monthly groceries sit under S$300, 1.5 percent that always pays beats a 6 percent rate you can never reach. It is also the simplest card to keep as a clean-up card for any spend your bonus cards do not reward, a tactic covered in the wider guide to the best cashback credit cards in Singapore.
Two cards reward you more the more you spend, which suits households with a single card carrying most of the family's outgoings.
The UOB One card runs on quarterly cashback tied to monthly spend tiers, each needing at least 10 transactions a month. Spend S$600 a month and you get S$60 a quarter; S$1,000 a month gets S$100; S$2,000 a month gets S$200. At the top tier, grocery spend can effectively earn up to around 8 percent once you combine the base cashback with the grocery bonus. Qualifying grocers include FairPrice, Giant, Cold Storage, Sheng Siong and Don Don Donki. From mid-2025 UOB raised the minimum spend and reworked which merchants count, so the old Dairy Farm partner bonus no longer applies the way it once did. The annual fee is S$196.20 with the first year waived.
The Maybank Family & Friends card lets you pick categories and rewards them on a two-tier system from 1 January 2026. Spend S$800 to under S$1,600 a month and you earn 6 percent, with total cashback across all categories capped at S$120 a month; spend S$1,600 or more and you earn 8 percent, capped at S$180 a month. Groceries earn 6 percent on both tiers, never 8 percent, and the grocery category carries its own monthly sub-cap of S$20 on the lower tier and S$30 on the higher tier per the card's terms effective 1 January 2026, so supermarket spend alone earns far less than the headline overall cap. Read it as a 6 percent grocery card where the 8 percent only helps other chosen categories like dining or transport. The annual fee is waived for the first three years.
The number on the marketing page is the ceiling, not what you take home. Three conditions decide your real return, and they sit in the fine print of every card above.
Minimum spend is the amount you must charge in a statement month before the bonus rate applies at all. Citi and OCBC both need S$800; DBS yuu needs S$800 plus four different participating merchants; Trust needs S$350 outside FairPrice. Miss it and you can drop to a base rate as low as 0.2 percent, which on groceries is the difference between getting S$48 back and getting S$1.60 back on the same S$800 of shopping.
The cap limits how much bonus you can earn. Citi caps total cashback at S$80 a month, DBS yuu at about S$144 in points, UOB One at S$200 a quarter. Once you cross the cap, extra grocery spend earns only the base rate. A high headline rate with a low cap is often worse than a moderate rate with a generous one, so size the cap against your monthly grocery bill.
Eligible merchants is the quiet one. Trust pays its top rate only at FairPrice Group; DBS yuu only at named yuu partners like Cold Storage and Giant. Flat-rate cards like Citi and OCBC pay at any supermarket coded with a grocery merchant category code, usually MCC 5411. That code is how a bank decides whether a transaction counts as groceries, and a few outlets (wet-market stalls, some mini-marts, online-only grocers) sit under a different code and quietly miss the bonus, explained in the guide to how MCC codes decide your cashback. If you shop at a chain your card does not count, the bonus simply does not appear, and you find out at the statement, not the till.
The maths flips depending on how much you actually buy. A worked view makes the choice obvious. Pulling three months of statements into a quick budget shows your real grocery number; the personal budget calculator sorts spend into the same buckets so you compare like for like.
If you spend under S$300 a month on groceries, the S$800 minimum-spend cards (Citi, OCBC) are wasted unless your other spending pushes you over the line anyway. A no-minimum-fuss approach or the Trust card, whose S$350 requirement is spend outside FairPrice, fits better. If you spend S$500 to S$800 a month at Cold Storage or Giant, DBS yuu is usually the top earner. If you spend across many supermarkets and clear S$800 easily, Citi's flat 6 percent is the simplest high rate.
Stacking helps at the margin. Sign up for the relevant loyalty programme (FairPrice Plus, Cold Storage member, Sheng Siong) so you earn the store's points on top of card cashback, and for online grocery orders a cashback portal can add a few percent more. None of that changes which card to carry, but it is free money once the card decision is made.
| Monthly grocery spend | Citi 6% | DBS yuu 18% (Cold Storage/Giant) | OCBC 365 3% |
|---|---|---|---|
| S$300 | ~S$18 | ~S$54 | ~S$9 |
| S$500 | ~S$30 | ~S$90 | ~S$15 |
| S$800 | ~S$48 | ~S$144 (at cap) | ~S$24 |
Before you compare rewards, check you qualify. To hold a principal credit card you generally need to be at least 21, and Singaporeans and PRs aged 55 and below need a minimum annual income of S$30,000. Foreigners typically need more, around S$42,000 to S$45,000 depending on the bank. Trust Link's no-fee structure makes it the easiest of these to keep long term; the bank cards carry a S$196.20 annual fee after the waiver period, which you can usually get waived by calling and asking, covered in the guide on how to waive your credit card annual fee.
The rule that overrides every cashback rate: pay the full statement balance each month. Unpaid credit card balances in Singapore carry steep interest. MoneySense, the national financial education programme, uses an illustrative 25 percent a year to show how a revolving balance snowballs, and current published rates from local banks sit at roughly that level or higher, so check your own card's terms for the exact figure. A single month of revolving a balance wipes out a year of grocery cashback. Set up a GIRO arrangement to pay the full statement balance automatically and the rewards run clean. If you compare cashback against simply spending less, building an emergency fund so you never need to revolve a balance is worth more than any 6 percent grocery rate.
| Card | Grocery rate | Min spend | Grocery cap / month | Annual fee |
|---|---|---|---|---|
| Trust Link (NTUC member) | Up to ~21% at FairPrice Group | S$350 outside FairPrice | Capped in Linkpoints (see terms) | None |
| DBS yuu Visa | Up to 18% at yuu partners | S$800 + 4 merchants | 28,800 yuu Points (~S$144) total | S$196.20 (1st year waived) |
| CIMB Visa Signature | 10% at supermarkets | S$800 | S$20 grocery (S$100 total) | None, for life |
| Citi Cash Back | 6% | S$800 | S$80 total all categories | S$196.20 (1st year waived) |
| Maybank Family & Friends | 6% | S$800 | S$20-30 grocery sub-cap | Waived 3 years |
| POSB Everyday | 5% at Sheng Siong | None | Daily$20 (S$20) | S$196.20 (1st year waived) |
| OCBC 365 | 3% | S$800 | Part of S$80 (S$160 at S$1,600) | Waived 2 years |
| SC Simply Cash | 1.5% flat | None | No cap | S$196.20 (1st year waived) |
The Trust Link card from Trust Bank. For NTUC members it stacks Linkpoints with FairPrice member savings to a combined value of up to around 21 percent at FairPrice Group, with no annual fee. You need to spend at least S$350 a month outside FairPrice to keep the bonus active, and the member bonus is capped in Linkpoints, so it is best for people who shop at FairPrice regularly.
The DBS yuu Visa card, which pays up to 18 percent cash rebate at yuu merchant partners including Cold Storage, Giant, Guardian and 7-Eleven. You need S$800 of monthly spend and at least four different participating merchants in the month, and the bonus is capped at 28,800 yuu Points (about S$144) a month, which is roughly S$823 of spend at the top rate before you drop to the base rate.
Most high-rate grocery cards have a minimum spend: Citi Cash Back and OCBC 365 need S$800 a month, DBS yuu needs S$800 a month plus four different participating merchants. The Trust Link card's S$350 requirement is spend outside FairPrice, which recurring bills can cover, and it has no annual fee. If you spend little on groceries, a flat-rate card you would use anyway beats chasing a minimum you cannot hit.
Citi Cash Back pays 6 percent on groceries versus OCBC 365's 3 percent, so for grocery spend alone Citi wins. Both need S$800 a month and cap total cashback at S$80. OCBC 365 spreads bonuses across more categories (5 percent dining, 6 percent petrol), so it can pay more overall if your spending is broad rather than grocery-heavy. Match it to where most of your money goes.
No, but it pays much more if you are. NTUC Union members earn the higher Linkpoint rates and the exclusive 2 percent FairPrice member bonus on groceries. NTUC membership is inexpensive and pays for itself quickly if you shop at FairPrice, so sign up before applying if FairPrice is your main supermarket.
On S$500 of monthly groceries, expect roughly S$30 from a 6 percent Citi card, around S$90 from DBS yuu at Cold Storage or Giant, or about S$15 from OCBC 365 at 3 percent, before any annual fee. The bigger your grocery bill, the more the higher-rate cards matter, but watch the monthly cap, which limits the bonus once you cross it.
The flat-rate cards (Citi Cash Back, OCBC 365) pay at any supermarket coded as a grocery merchant, which covers Sheng Siong, Prime and most chains. UOB One lists Sheng Siong and Don Don Donki among qualifying grocers. Trust pays its top rate only at FairPrice Group, and DBS yuu only at named yuu partners like Cold Storage and Giant, so they will not reward Sheng Siong at the bonus rate.
The POSB Everyday card. It pays 5 percent cash rebate at Sheng Siong with no minimum spend, capped at Daily$20 (S$20) a month from 1 July 2025, so it rewards your first S$400 of Sheng Siong spend at the full rate before dropping to 0.3 percent. No other major card pays 5 percent at Sheng Siong without a minimum spend, so it is best used as a top-up card alongside a flat-rate card for everything else.
Two strong options have no annual fee to chase. The Trust Link card has no annual fee ever and pays the most at FairPrice Group for NTUC members. The CIMB Visa Signature has no annual fee for life and pays 10 percent on groceries (S$800 minimum spend, S$20 grocery sub-cap, S$100 total cap a month). The bank cashback cards such as Citi, OCBC and DBS yuu carry a S$196.20 fee after the waiver period, which you can usually get waived by calling and asking.
The Standard Chartered Simply Cash card. It pays a flat 1.5 percent on all spend including groceries, with no minimum spend and no cashback cap. The rate is lower than the bonus cards, but for a light spender whose groceries sit under S$300 a month, 1.5 percent that always pays beats a 6 percent rate locked behind an S$800 minimum you cannot hit. The POSB Everyday card also has no minimum spend for its 5 percent Sheng Siong rebate.
Usually yes, but check how the order is coded. Online grocers such as RedMart, Cold Storage online and FairPrice Online are often coded as groceries, so flat-rate cards pay the grocery rate. Some online orders code as general retail or e-commerce instead, which can earn a different rate or none, so verify on your statement after the first order. The merchant category code, not the shop's name, decides the rate, which is why the same chain can pay differently online versus in store.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.