Sheng Siong is the value-tier SG supermarket popular for fresh produce. The BOC Sheng Siong Card is the only co-branded option (7% rebate, capped) but it's often beaten by a top general-grocery card after factoring the BOC card's tier requirements. Here's the side-by-side.
BOC
Cashback capped at S$35/cycle.
6% at Sheng Siong (MCC 5411 + Sheng Siong merchant). Requires S$300/cycle of OTHER (non-Sheng-Siong) qualifying spend to unlock — Sheng Siong spend itself does NOT count toward the S$300 min. Cap S$35/cycle (=first ~S$583 SS spend at 6%).
UOB
Applies only to ONE category you select (locked per quarter).
10X UNI$ 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.
Citibank
6% on Groceries (MCC 5411 supermarkets). Requires S$800/mo min, $80/mo total bonus cap.
These are the objective top picks. Perqa narrows them to the cards in your wallet and tracks your spend so you always use the right one.
Try Perqa — freeWorth it if you spend ≥S$300/mo at Sheng Siong specifically — at that volume the 7% rebate beats a general 8% grocery card with min-spend tiers. Below that, Citi Cash Back's 8% (min S$800/mo total) or Maybank F&F 8% (min S$800/mo) tend to win.
Yes. Sheng Siong uses MCC 5411 (Grocery Stores), the qualifying MCC for the Citi Cash Back grocery tier.
Yes. Use vouchers / PassionCard rebates first at the cashier — cashback is calculated on the remaining charged amount. Both rewards stack since one is merchant-level and the other is payment-level.