Ranking for S$400 of groceries a month
Cash back a month on S$400 of groceries, with S$1,000 in total going on the card (so minimum-spend conditions up to that amount are met). Your own numbers go in the calculator above.
| # | Card | Rate | Cash back a month | Conditions |
|---|---|---|---|---|
| 1 | UOB One Card | 2.67% | S$24.01 | Supermarkets, extra on top of the quarterly cashback; includes S$13.33 share of the fixed tier cashback; more from S$2,000 a month |
| 2 | Citi Cash Back Card | 6% | S$24 | Groceries, worldwide |
| 3 | CIMB Visa Signature | 10% | S$20 (capped) | Groceries (supermarkets, including online) |
| 4 | Citi SMRT Card | 5% | S$20 | Supermarkets |
| 5 | DBS Chromo Card | 5% | S$20 | Wellness (supermarkets, pharmacies, beauty); only if it's one of your two biggest categories that month |
| 6 | OCBC 365 Credit Card | 3% | S$12 | Groceries (supermarkets, in store and online) |
| 7 | UOB Absolute Cashback Card | 1.7% (base) | S$6.80 | — |
| 8 | Citi Cash Back+ Card | 1.6% (base) | S$6.40 | — |
| 9 | OCBC INFINITY Cashback Card | 1.6% (base) | S$6.40 | — |
| 10 | Trust Freedom credit card (formerly Trust Cashback Card) | 1.5% (base) | S$6 | — |
| 11 | American Express True Cashback Card | 1.5% (base) | S$6 | — |
| 12 | HSBC Advance Credit Card | 1.5% (base) | S$6 | more from S$2,000 a month |
| 13 | Standard Chartered Simply Cash Credit Card | 1.5% (base) | S$6 | — |
| 14 | CIMB Visa Infinite | 1% (base) | S$4 | — |
| 15 | CIMB World Mastercard | 1% (base) | S$4 | — |
| 16 | Standard Chartered Smart Credit Card | 0.5% (base) | S$2 | more from S$1,500 a month |
| 17 | UOB EVOL Card | 0.3% (base) | S$1.20 | — |
| 18 | Citi M1 Card | 0.3% (base) | S$1.20 | — |
| 19 | HSBC Live+ Credit Card | 0.3% (base) | S$1.20 | — |
| 20 | POSB Everyday Card | 0.3% (base) | S$1.20 | — |
| 21 | DBS yuu Card | 0.25% (base) | S$1 | — |
If you mostly use one chain
These rates apply only at the merchants named, or need a condition the calculator can't check, so they aren't in the ranking. If most of your groceries goes to one of them, they can beat every card above.
- 18% — Cold Storage, CS Fresh, Jasons Deli, Giant, with the DBS yuu Card; needs S$800 a month and purchases at 4 participating merchants.
- 5% — Sheng Siong, with the POSB Everyday Card; no minimum spend; capped at S$20 a month.
- 5% — Cold Storage, CS Fresh, Jasons Deli, Giant, with the DBS yuu Card; no minimum spend; scan or link your yuu ID.
What counts as groceries
Supermarket spend is recognised by the merchant category code (MCC) of the store's terminal, usually 5411 (grocery stores and supermarkets). Some cards pay their grocery rate only at named chains — the card's label says so — and online grocery orders may count as online spend rather than groceries. Wet markets, minimarts inside petrol stations and warehouse clubs can be coded differently.
The groceries cards side by side
| Card | Rate here | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| UOB One Card | 4.67% (Supermarkets, extra on top of the quarterly cashback) | S$600 a month | S$120 a month on the bonus | S$196.20 |
| Citi Cash Back Card | 6% (Groceries, worldwide) | S$800 a month | S$80 a month | S$196.20 |
| CIMB Visa Signature | 10% (Groceries (supermarkets, including online)) | S$800 a month | S$100 a month on the bonus | none |
| Citi SMRT Card | 5% (Supermarkets) | S$500 a month | SMRT$600 per 12 months | S$196.20 |
| DBS Chromo Card | 5% (Wellness (supermarkets, pharmacies, beauty)) | S$500 a month | S$150 a month | S$196.20 |
| OCBC 365 Credit Card | 3% (Groceries (supermarkets, in store and online)) | S$800 a month | S$80 a month (S$160 from S$1,600 of spend) | S$196.20 |
Questions and answers
Does online grocery shopping count?
On some cards yes, on others it counts as online spend or not at all — it depends on how the retailer's website is coded and on the card's terms. The note next to each grocery rate here repeats the bank's condition.
Is a supermarket-specific card better than a general one?
If nearly all your groceries come from one chain, a card that names it can pay more. If you shop around, a card that pays on any supermarket is safer: spend at the other chains still earns.
Other categories
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
- All cashback cards in Singapore
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.