Senior Citizen Discounts at Singapore Supermarkets (2026)
Tuesday is senior day at most of Singapore's big supermarkets. Senior citizen discounts at supermarkets here take 2% to 4% off the bill if you're 60 or older, but only on set weekdays. So is it worth planning your grocery run around? For a retired couple, it adds up to about S$72 to S$144 a year. That won't change anyone's retirement, but it costs nothing to claim. It also works on the same receipt as the CDC and SG60 vouchers you can spend at the same shops. Here's each chain's rate and day, the caps, what doesn't count, and where the bigger senior savings are.
Which supermarkets give a senior discount, and on which day?
Every chain gives shoppers aged 60 and above a flat 2% to 4% off the bill, and each one picks its own days.
It isn't a loyalty perk you sign up for. You show proof of age at the till on the right day, and the discount comes off your total. So the easy move is to match your grocery run to whichever shop near you gives the most that day.
The four big chains are Sheng Siong, Giant, Cold Storage and FairPrice. Smaller ones like Prime, HAO Mart and U Stars run their own senior days, and they often cover more of the week. That helps if Tuesday or Wednesday never fits your routine.
Does the senior have to be the one at the till? Not always. At Sheng Siong, a family member can shop for a senior by showing the senior's physical NRIC at the checkout. (Handy when you're the one doing Ma's Tuesday run.)
Your NRIC works everywhere, as the card or the digital one in Singpass. Some chains also take a Pioneer Generation card, a Merdeka Generation card, a driving licence or a PAssion Silver card.
Permanent residents aged 60 and above qualify at Sheng Siong and Giant too, since both chains name PRs in their terms.
| Supermarket | Discount | Day(s) | Age | Spend cap |
|---|---|---|---|---|
| Sheng Siong | 4% | Tuesday and Wednesday | 60+ | S$200 per receipt per day |
| Giant | 4% | Tuesday | 60+ | No cap stated |
| Prime | 4% | Tuesday and Thursday | 60+ | No cap stated |
| Cold Storage | 3% | Wednesday | 60+ | No cap stated |
| HAO Mart | 3% | Monday to Thursday | 60+ | No cap stated |
| U Stars | 3% | Tuesday and Wednesday | 60+ | No cap stated |
| FairPrice (Seniors) | 2% | Tuesday | 60+ | S$200 per transaction per day |
| FairPrice (Pioneer Generation) | 3% | Monday | PG cardholders | S$200 per transaction per day |
| FairPrice (Pioneer + Merdeka Gen) | 3% | Wednesday | PG/MG cardholders | S$200 per transaction per day |
How does Sheng Siong's 4% senior discount work?
Sheng Siong gives seniors the most of the big four: 4% off on both Tuesday and Wednesday.
It's for Singapore Citizens and PRs aged 60 and above, and Sheng Siong has extended it until 31 December 2026. You show your NRIC, the card or the digital one, when you pay.
The catch is a cap of S$200 per receipt per day. So a S$400 trolley only gets 4% off the first S$200, which is S$8.
A few things don't count at all: stage 1 and 2 infant formula, tobacco, alcohol and phone cards. Neither do the disposable bag charge and Sheng Siong vouchers.
Sheng Siong runs separate CHAS card discounts too. Its 4% CHAS rates, for Blue cardholders on Thursdays and Orange cardholders on Fridays, ran until 30 June 2026.
From 10 September 2026 to 1 January 2027, the CHAS rate is 6%. CHAS Blue cardholders get it on Thursdays, and CHAS Orange cardholders on Fridays.
The CHAS deals change more often than the senior days. If someone at home holds a CHAS card, check the current terms in store before you count on them.
What do seniors get at Giant on Tuesdays?
Giant gives 4% off every Tuesday to Singapore Citizens and PRs aged 60 and above.
Giant raised the rate from 3% to 4% back in October 2023, and it still holds in 2026. There's no minimum spend at Giant. It doesn't state a spending cap either, so a big Tuesday shop gets the full 4% on everything that qualifies.
Giant also takes the widest range of proof. You can bring your NRIC, your driving licence or an ez-link card with your photo. A PAssion Silver card, a PAssion Silver Concession card, or a Pioneer or Merdeka Generation card works too.
You have to be at the cashier yourself. The 4% comes off on top of shelf promotions that are already marked down.
Giant leaves out tobacco, cigarettes and alcohol, plus newspapers, magazines and infant milk powder. Consumer electronics, gift vouchers, lottery tickets and concession purchases don't count either.
Giant often runs deep weekly markdowns. So its 4% on a Tuesday, on top of a price that's already cut, is usually the best single-day rate you'll find.
Is Cold Storage's 3% senior discount worth the trip?
Cold Storage gives seniors 3% off everything in store every Wednesday. That's a point below Sheng Siong and Giant, which fits a chain that sells itself as more premium.
Giant and Cold Storage now share an owner. Macrovalue, a Malaysian group, bought both chains from DFI Retail Group in a deal completed in the second half of 2025. The senior schemes carried over, so one company now runs them on different days.
So what is 3% worth? On a S$100 Wednesday shop, it's S$3. Over a year of weekly trips, that's real money.
But Cold Storage's shelf prices tend to run higher than Sheng Siong's or Giant's for the same staples, so the 3% rarely closes the gap. If price matters most to you, don't let the 3% be the reason you pick Cold Storage over a cheaper shop on the same day.
How much is the FairPrice senior discount, and who gets 3%?
At FairPrice, seniors aged 60 and above get 2% off on Tuesdays. Cardholders get 3% on other days.
Pioneer Generation cardholders get 3% on Mondays, and Pioneer and Merdeka Generation cardholders get 3% on Wednesdays. CHAS Blue cardholders get 3% on Thursdays, and CHAS Orange cardholders get 3% on Fridays.
FairPrice Group has extended these daily discounts until 31 December 2026. They work at FairPrice supermarkets, Finest, Xtra and Unity pharmacies, on up to S$200 per transaction per day.
FairPrice pushes you toward its app. Verify your profile once with Myinfo in the FairPrice Group app, then pay with the app at checkout, and the discount comes off by itself. The verification date has to be 22 May 2025 or later.
Rather skip the app? You can still show your NRIC, the card or the digital one, or your PG or MG card at the checkout.
At 2%, FairPrice's plain senior rate is the smallest of the big four. Where FairPrice earns its place is the cardholder rates, and the vouchers it takes.
It accepts both halves of your CDC vouchers, GST Voucher-linked schemes and the supermarket half of SG60 vouchers. With a PG or MG card, 3% on the right day beats the plain 2%. It's still below the 4% at Sheng Siong and Giant, though.
Which smaller chains give seniors more days a week?
Prime, HAO Mart and U Stars can beat the big four on convenience, because their senior discounts cover more weekdays. If one of them is your nearest shop, you may never need to plan around a single Tuesday.
Prime Supermarket matches the top rate. Singapore Citizens and PRs aged 60 and above get 4% off on Tuesdays and Thursdays when they show ID at the till.
Prime leaves out the usual list: tobacco, alcohol, stage 1 and 2 milk powder, Big Sweep tickets, Prime gift vouchers, magazines and newspapers. The Thursday slot is the useful part, since none of the big four has a senior day that late in the week.
HAO Mart gives 3% off every Monday to Thursday at any outlet, to Singapore Citizens and PRs aged 60 and above. There's no minimum spend, and you have to be the one at the cashier.
HAO leaves out more than most: phone top-up cards, NPN purchases, newspapers, tobacco, rice and milk powder. Beer, wine and liquor don't count, and neither do items already on promotion.
Four senior days a week makes HAO the easiest to fit around a busy schedule, even at a point below Sheng Siong and Giant.
U Stars Supermarket gives 3% on Tuesdays and Wednesdays to seniors aged 60 and above, and to Pioneer and Merdeka Generation cardholders. It's a heartland chain, so the win is catching the rate at a shop you already use, not travelling for it.
| Supermarket | Discount | Day(s) | Who qualifies | Spend cap |
|---|---|---|---|---|
| Prime | 4% | Tuesday and Thursday | SC/PR aged 60+ | No cap stated |
| HAO Mart | 3% | Monday to Thursday | SC/PR aged 60+ | No min spend |
| U Stars | 3% | Tuesday and Wednesday | PG/MG and seniors 60+ | No cap stated |
Can you still earn points and card rebates on a senior day?
Yes. The senior discount comes off the bill, and your rewards scheme still counts the spend, so one doesn't cancel the other.
Giant and Cold Storage run the Yuu rewards programme, where you build up points as you spend and use them later. Sheng Siong has its own membership.
FairPrice runs Linkpoints through the FairPrice Group app. It's the same app that applies your senior rate by itself when you pay with it, once you've verified with Myinfo.
Check each programme's terms, though, since some give no points on items already discounted or on promotion, the same carve-outs the senior rate has.
Your card can add a rebate on top. If you pay with a cashback or rewards credit card that counts supermarkets as a bonus category, you still get that rebate on a senior day.
The order on the receipt is simple. The senior percentage comes off first, you pay the lower total, and your card earns on what you actually pay. Supermarket bonus categories change, so check the current rate and any cap with your card issuer.
Think of the senior discount, the points and the card rebate as three thin layers that add up, not one big saving.
- The senior discount comes off the bill first. Points and card rebates count on what you pay.
- Giant and Cold Storage use Yuu, FairPrice uses Linkpoints in its app, and Sheng Siong runs its own membership.
- Some schemes give no points on items already discounted or on promotion, so check the terms.
- A cashback or rewards card with a supermarket category stacks on top, at your issuer's current rate and cap.
Quick maths: how much does the senior discount save in a year?
For a senior couple, the discount is worth about S$72 to S$144 a year.
A typical resident household spends roughly S$400 to S$500 a month on groceries. A retiree living alone, or a retired couple, usually spends less.
Say your parents spend S$300 a month at the supermarket, almost all of it on a discount day. At Sheng Siong's 4%, they'd save about S$12 a month, or S$144 a year.
At Cold Storage's 3%, it's about S$9 a month, or S$108 a year, and at FairPrice's 2% senior rate it's about S$6 a month, or S$72 a year.
None of that will change anyone's retirement. Still, S$100 to S$150 a year, just for showing an NRIC on shopping you'd do anyway, is easy to take.
So should you cross town for 4%? Not really, because a chain that's 5% cheaper on your staples beats a 4% senior discount at a pricier shop.
Compare prices the way you normally would, then time the trip for that shop's senior day. Where two chains are close on price, the senior rate breaks the tie.
Curious what S$144 a year adds up to over time? Our compound interest calculator shows the gap between letting it sit and putting it to work.
- Sheng Siong, 4%: about S$144 a year on S$300 a month.
- Giant, 4%: about the same, and with no stated cap, a big Tuesday shop gets the full rate.
- Cold Storage, 3%: about S$108 a year, though higher shelf prices usually cancel it out.
- FairPrice seniors, 2%: about S$72 a year, or 3% if you hold a PG or MG card.
The catch: what doesn't count toward the senior discount?
Most chains leave out the same broad groups of items, and they're often the biggest lines on a senior household's receipt.
Wherever a chain lists its exclusions, infant and follow-on formula, tobacco and alcohol are on it. That catches grandparents buying formula for the grandkids.
Depending on the chain, gift vouchers, lottery tickets, phone cards and the plastic bag charge are out too. Giant also leaves out consumer electronics, newspapers and magazines.
Then there are the caps: S$200 per receipt per day at Sheng Siong, and S$200 per transaction per day at FairPrice. In one big stock-up, anything above S$200 gets no discount. So for a big shop, it can pay to split it across two senior days.
- Infant formula milk (stages 1 and 2) is out wherever exclusions are listed, and some chains leave out all milk powder.
- Tobacco, cigarettes and alcohol are on every exclusion list.
- Some chains also leave out gift vouchers, lottery tickets, phone cards and the disposable bag charge.
- Giant also leaves out consumer electronics, newspapers and magazines.
- Caps apply: S$200 per receipt per day at Sheng Siong, and S$200 per transaction per day at FairPrice.
Can you pay with CDC and SG60 vouchers on a senior day?
Yes, and in 2026 the vouchers are the bigger saving. They work at the same supermarkets, and they aren't means-tested for citizens.
Every Singaporean household can claim CDC vouchers. Half the amount is set aside for supermarkets that take part, including FairPrice, Sheng Siong, Giant and Cold Storage.
SG60 vouchers run in 2026 too. Singapore Citizens aged 60 and above in 2025 get S$800, against S$600 for those aged 21 to 59.
Half goes to supermarkets and half to heartland merchants, and they expire on 31 December 2026. Seniors could claim from 1 July 2025, ahead of other adults. Our CDC vouchers guide has the full amounts and how to claim with Singpass.
The vouchers and the senior discount work on the same receipt. The chain takes off your 4% first, then you pay the lower total with voucher credit. So the supermarket half of a senior's S$800 covers more than a month of groceries for the couple above.
Working out where each dollar goes? The personal budget calculator puts groceries, vouchers and savings into one monthly view.
Where are the bigger savings for seniors?
Transport and healthcare save a senior household far more than any supermarket discount.
Transport is the big one: with a PAssion Silver Concession card, a senior aged 60 and above pays roughly 69 cents to S$1.07 a trip by bus or off-peak train.
Early-morning peak trains on weekdays cost as little as 19 cents. That's up to 55% off adult fares.
If you travel every day, you'll save far more over a year on fares than from 4% off groceries. The Hybrid Monthly Concession Pass, at S$55, gives you unlimited basic bus and train rides for a month.
Healthcare is the other big one, since a CHAS card cuts the cost of GP and dental visits.
Seniors born in or before 1959 may also hold a Pioneer or Merdeka Generation card. It adds outpatient subsidies and MediSave top-ups, on costs that only rise with age.
For the income side of retirement, our CPF pillar guide and the CPF LIFE payout calculator show what you can expect each month.
So here's the order for a senior household. Get the transport concession card and the health cards first, then claim every voucher you're entitled to. The supermarket discount is the easy bonus on top: it costs nothing, but it's the smallest of the three.
This week, look up the senior day at the supermarket nearest you, and plan one shop around it.
The MoneyBees take: what we'd check first
We'd compare shelf prices on your usual basket before planning around any senior day. On S$300 a month, the discount is worth about S$72 to S$144 a year, and a shop that's 5% cheaper on your staples beats a 4% discount at a pricier one.
The trade-off is fixed days and caps, such as the S$200 a day limit at two of the big four. What settles it is which shop near you is cheapest for the things you buy every week.
Frequently asked questions
What is the senior citizen discount at FairPrice in 2026?
Seniors aged 60 and above get 2% off on Tuesdays at FairPrice supermarkets, Finest, Xtra and Unity. Pioneer Generation cardholders get 3% on Mondays, and Pioneer and Merdeka Generation cardholders get 3% on Wednesdays. It's capped at S$200 per transaction per day, and the schemes run until 31 December 2026.
Which supermarket gives the biggest senior discount in Singapore?
Sheng Siong and Giant, at 4%. Sheng Siong gives it on both Tuesday and Wednesday, while Giant gives it on Tuesdays only, with no stated spending cap. Cold Storage gives 3% on Wednesdays, and FairPrice's plain senior rate is 2% on Tuesdays.
How old do you have to be for a senior supermarket discount?
60 and above at all four main chains. Singapore Citizens and PRs qualify at Sheng Siong and Giant, and FairPrice and Cold Storage also start the senior rate at 60. The Pioneer and Merdeka Generation discounts depend on holding the card, not on age alone.
What proof do I need to claim a senior discount?
Your NRIC, the card or the digital one, shown at the cashier. At Sheng Siong, a family member can show the senior's physical NRIC for them. Giant also takes a driving licence, an ez-link card with your photo, a PAssion Silver card or a PG or MG card. FairPrice applies it by itself when you pay with its app, once you've verified your profile there with Myinfo on or after 22 May 2025.
Is there a spending cap on senior supermarket discounts?
Yes, at two chains. Sheng Siong caps the discount at S$200 per receipt per day, and FairPrice at S$200 per transaction per day. Giant and Cold Storage don't state a cap, so the full rate applies to your whole eligible bill on the discount day.
Can I use CDC and SG60 vouchers with the senior discount?
Yes. The senior discount comes off the bill first, then you pay the lower total with CDC or SG60 voucher credit at supermarkets that take part. Singaporeans aged 60 and above in 2025 get S$800 in SG60 vouchers, half of it for supermarkets, and they expire on 31 December 2026.
Do permanent residents get senior supermarket discounts?
Yes, at Sheng Siong and Giant, which open their senior days to Singapore Citizens and PRs aged 60 and above. Prime and HAO Mart include PRs too. Show your NRIC at the till. Government vouchers such as CDC and SG60 are different: they're for Singapore Citizen households and citizens only.
Are senior discounts worth chasing across different supermarkets?
On their own, no. A 2% to 4% discount is worth roughly S$70 to S$150 a year for a typical senior household. A chain that's cheaper on your staples beats a bigger discount at a pricier shop, so compare shelf prices first, then time your trip for the cheaper shop's senior day.
Do Prime, HAO Mart and U Stars give senior discounts?
Yes. Prime gives 4% to Singapore Citizens and PRs aged 60 and above on Tuesdays and Thursdays. HAO Mart gives 3% every Monday to Thursday, with no minimum spend. U Stars gives 3% on Tuesdays and Wednesdays, and Pioneer and Merdeka Generation cardholders get it too. All three need ID at the cashier and leave out the usual items, like tobacco, alcohol and milk powder.
Which supermarket runs senior discounts on the most days?
HAO Mart, at 3% every Monday to Thursday. Sheng Siong (Tuesday and Wednesday), Prime (Tuesday and Thursday) and U Stars (Tuesday and Wednesday) each have two senior days. Giant, Cold Storage and FairPrice's plain senior rate each have one. If fixed days never suit your routine, HAO Mart is the easiest to fit in.
Can I still earn loyalty points and credit card rebates on a senior discount shop?
Usually, yes. The senior discount comes off the bill first. Then Yuu at Giant and Cold Storage, Linkpoints at FairPrice or Sheng Siong's own membership counts the spend. A cashback or rewards card with a supermarket category earns on the lower total you pay. Some schemes give no points on items already discounted or on promotion, so check the terms and your card issuer's current rate.
Sources
- FairPrice Group: Extension of daily discount schemes into 2026
- Sheng Siong: Extended Senior & CHAS discounts in 2026
- Sheng Siong: Enhanced 6% CHAS discount from 10 September 2026
- Giant Singapore: Senior Citizens Special
- Prime Supermarket: Senior Citizens' Discount
- HAO Mart: Senior Citizen discount
- U Stars Supermarket: Seniors get another day of 3% discounts
- DFI Retail Group: Extra discounts for senior citizens (Giant and Cold Storage)
- SG60 Vouchers: About SG60 Vouchers
- SimplyGo: PAssion Silver Concession Card
Keep exploring
- CDC Vouchers 2026: Amounts, Eligibility and How to Claim
- How to Redeem CDC and SG60 Vouchers in 2026 (Step by Step)
- Merdeka vs Pioneer Generation Package: 2026 Benefits Compared
- GST Voucher 2026: Who Gets What, How Much, and When
- Personal finance calculator (1/3 rule)
- Compound interest & finance calculator
- CPF LIFE payout estimator
- CDC Voucher
- GST Voucher
This is general financial information for Singapore, not personal financial advice. Figures change, so verify current rates against the official sources above before acting. See our full disclaimer.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).