Best Credit Card for Groceries in 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

5411 (Grocery Stores & Supermarkets). FairPrice, Cold Storage, Sheng Siong, Giant, Marketplace, Donki (most outlets), and Cheers (most outlets) all use this MCC. Wet markets and standalone vegetable shops vary — many use 5499 (Misc Food) which doesn't match grocery-category cards.

OCBC 365 caps total cashback (all categories combined) at S$80/cycle. Citi Cash Back caps at S$80/cycle across all 8% categories. Maybank F&F caps at S$80 per category per cycle at top tier. Plan grocery spend so you don't blow past these caps unnecessarily.

Yes. NTUC Plus / LinkPoints, Cold Storage yuuApp, Sheng Siong PassionCard, Giant rewards — all separate from card payment. Tap loyalty first, then pay with credit card. Both layers stack.

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