Best Credit Card for NTUC FairPrice Singapore 2026

Top 3 cards

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.

Apply at UOB See bank’s terms

Citi Cash Back Card

Citibank

6% cashback

6% on Groceries (MCC 5411 supermarkets). Requires S$800/mo min, $80/mo total bonus cap.

Apply at Citibank See bank’s terms

Maybank Family & Friends Card

Maybank

6% cashback

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

Tier 1: 6% on user-selected 5 of 10 categories at S$800/mo min spend, S$20/mo cap PER CATEGORY. Categories: Automotive (5541/5542/5552/5532/5533/5599/7531/7535/7538/8699), Dining&Food Delivery (5812/5814/Foodpanda/Deliveroo), Kids&Pets (0742/5995/POPULAR/Toys R Us/Yamaha Music/Mothercare/Kiddy Palace), Online Shopping (5611/5262/5309/5310/5311/5331/5399/5621/5631/5641/5651/5699/5948 online only), Telco&Streaming (4812/4814/4899), Beauty&Wellness (7297/7298/7230), Commute (4111/4112/4121/4131/4789), Entertainment (5813/7832/7922/7929), Groceries (5411), Sports&Sports Apparels (5655/5940/5941/7032/7941/7992/7997).

Apply at Maybank See bank’s terms

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Frequently asked

Citi Cash Back Card pays 8% on groceries (min spend S$800/mo, cap S$80). Maybank Family & Friends pays 8% on selected categories including Groceries (min spend S$800/mo, cap S$80). Below tier, Trust Cashback Card pays 15% on a single user-selected category — pick Groceries and it can win for low-spend months.

Sometimes. Cheers uses MCC 5411 (Grocery Stores) at most locations, so it qualifies for grocery-category bonuses on Citi Cash Back, OCBC 365, etc. But some Cheers outlets at petrol stations may use MCC 5499 (Misc Food Stores) which doesn't match.

Yes. Tap LinkPoints first at the cashier, then pay with credit card. You earn both the LinkPoints rebate AND your card's grocery cashback. Best-of-both since LinkPoints is a loyalty system and cashback is a payment-rail reward — they don't conflict.

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