Best credit card for grocery shopping!

This question has been bugging many people for quite some time. Now, I shall reveal to you, the best credit card for grocery shopping!

I browsed through all the credit cards offered by different banks with benefits for grocery shopping and tabulated the results in a table.

I included most of the credit cards that are offering rebates on grocery shopping except HSBC Visa Platinum which I find ridiculous as you need to fulfill minimum spending per month for a QUARTER before you are entitled to the cash rebate. Most cards do have minimum spending to fulfil but that is on a MONTHLY basis. So I do not know what HSBS is trying to do here.

There are also a few that are offering 3% cash rebate and yet require minimum spend  monthly while other banks are offering 5% for the same minimum amount. These are DBS Safra and OCBC 365. Don't they know that there are better cards out there that are better than theirs?

Compilation of credit cards for grocery shopping

As you can see from the table above, the best credit card for grocery shopping at Cold Storage, Giant, Jasons, Market Place is the UOB Delight credit card. However, that is if you can hit $1000 and above with the card every month. (up to 10%)

Best credit card for grocery shopping at Cold Storage, Giant, Sheng Siong will be Citibank SMRT credit card with 5% SMRT$ + 2% CitiRebates with minimum of $50 per transaction and minimum of $600 spent on card per month. Even if you spent less than $600 a month, you still get up to 4.7% SMRT$ + up to 2% CitiRebate with minimum of $50 per transaction.

Otherwise, Standard Chartered Singpost credit card will be the best credit card for grocery shopping at Cold Storage, Giant and NTUC.(up to 6% with minimum of $500 spent on card per month)

And the best credit card for grocery shopping at Sheng Siong will be the POSB Everyday credit card as it is fuss free with no minimum spending to meet per transaction or per month. (5% cash back)

Just to add on, if you happen to stay near or  if you frequent Kallang Wave, Citibank SMRT credit card will be the best for grocery shopping with minimum of $50 per transaction. (7.33%)


Personally, I like to use Citibank Dividend CC for NTUC and POSB Everyday for Sheng Siong as they are fuss free with no minimum spent required per month, though the Citibank Dividend requires minimum of $50 per transaction. Cold Storage and Giant, I would use Citibank SMRT, though I rarely do my grocery shopping there.



Tags: best, credit card, grocery, shopping, BOC, Citibank, DBS, Diners, Maybank, OCBC, POSB, Standard Chartered, UOB, Cold Storage, Four Seasons, Giant, Jasons, Market Place, NTUC, Sheng Siong, Kallang Wave