Best Credit Card for Cold Storage Singapore 2026

Cold Storage is part of the Dairy Farm group (which also runs Giant and Guardian in SG). Several cards treat Cold Storage as a standard supermarket (MCC 5411), making it eligible for grocery-category bonuses. A few cards specifically whitelist Cold Storage — the DBS yuu Card is the most notable.

Top 3 cards

1
DBS yuu Card

DBS yuu Card

DBS

13.50% cashback

yuu Merchant max bonus: 26 bonus + 1 base = 27 yuu Points per S$1 = 13.5%. Requires S$800/mo Eligible Spend AND transactions at 4 different Participating Merchants. Total bonus capped at S$144/mo (28,800 yuu Points).

2
UOB Lady's Card

UOB Lady's Card

UOB

4 mpd

Applies only to ONE category you select (locked per quarter).

10X UNI$ per S$5 (UNI$10 = 4 miles per S$1) on user-selected Preferred Rewards Category. Cap 1,800 UNI$/mo bonus = S$1,000/mo of qualifying spend (cap_unit=spend). User selects ONE category quarterly. Categories: Beauty (5912/5977/7230/7231/7298/7297), Dining (5811/5812/5814/5499), Entertainment (5813/7832/7922), Family (5411/5641), Fashion (5311/5611-5699/5948), Transport (4111/4121/4789/5541/5542), Travel (airlines+hotels). Engine matches optimistically — actual user only earns 4 mpd on currently-selected category.

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Frequently asked

Yes. Cold Storage and Market Place both use MCC 5411 (Grocery Stores & Supermarkets), the qualifying MCC for grocery-category bonuses on Citi Cash Back, OCBC 365, Maybank Family & Friends, UOB One, and similar cards.

Mostly yes. Cold Storage Online uses the same merchant ID and MCC as physical stores. A few card programmes (HSBC Revolution's online tier) may layer additional bonuses for the online purchase.

Cold Storage doesn't accept PassionCard / NTUC Plus — those are NTUC FairPrice / Cheers loyalty programmes. Cold Storage has its own Dairy Farm rewards (yuuApp), which earns yuu Points on top of any credit card rebate.

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