card.sg › Best cards

Best credit cards for groceries in Singapore (2026)

On the spending below, the UOB One pays about S$1,172 a year after its annual fee, ahead of the Maybank Family & Friends at S$1,158. We ranked 27 cards using each bank's published rates, caps and minimum spend.

Last verified 27 Oct 2026 against each bank's own terms.

  1. UOB

    UOB One

    Cashback1st year fee waived

    S$1,172/yr

    S$1,368 cashback a year

    − S$196 fee

    Quarterly cashback S$200 · Extra: supermarkets at 4.67%

  2. Maybank

    Maybank Family & Friends

    Cashback1st year fee waived

    S$1,158/yr

    S$1,355 cashback a year

    − S$196 fee

    Dining & delivery at 8% · Groceries at 6%

  3. OCBC

    OCBC 365

    Cashback1st year fee waived

    S$1,034/yr

    S$1,231 cashback a year

    − S$196 fee

    Dining, groceries, transport, petrol at 6% · Everything else at 0.25%

  4. Citi

    Citi Cash Back

    Cashback1st year fee waived

    S$764/yr

    S$960 cashback a year

    − S$196 fee

    Supermarkets at 6% · Dining & delivery at 6%

  5. HSBC

    HSBC Revolution

    Miles

    S$681/yr

    45,425 miles a year ≈ S$681

    No annual fee

    Contactless/online at bonus merchants at 3.33 mpd · Everything else at 0.33 mpd

  6. UOB

    UOB EVOL

    Cashback

    S$576/yr

    S$576 cashback a year

    No annual fee

    Online at 10% · Telco & streaming at 10%

  7. UOB

    UOB Lady's

    Miles1st year fee waived

    S$558/yr

    50,304 miles a year ≈ S$755

    − S$196 fee

    Chosen category: Family (supermarkets) at 4 mpd · Everything else at 0.4 mpd

  8. Standard Chartered

    SC Journey

    Miles

    S$429/yr

    41,712 miles a year ≈ S$626

    − S$196 fee

    Other local spend at 1.2 mpd · Ride-hailing & food delivery (online) at 3 mpd

  9. DBS

    DBS Woman's World

    Miles1st year fee waived

    S$378/yr

    38,304 miles a year ≈ S$575

    − S$196 fee

    Online spend at 4 mpd · In-store spend at 0.4 mpd

  10. DBS

    DBS Altitude Visa

    Miles1st year fee waived

    S$377/yr

    38,208 miles a year ≈ S$573

    − S$196 fee

    Local spend at 1.3 mpd · Foreign currency at 2.2 mpd

Change the numbers in the finder

What to look for

Several cards pay their best rate only at one supermarket chain. We do not count merchant-specific deals, so this ranking shows what each card pays across supermarkets in general. If you shop at a single chain, its partner card may beat these numbers.

The spending we used

CategoryPer month
DiningS$400
Food deliveryS$150
GroceriesS$900
Ride-hailing & taxisS$150
Bus & MRTS$80
Online shoppingS$300
Foreign currencyS$100
Mobile, internet & streamingS$120
Everything elseS$300
TotalS$2,500

Annual fees are subtracted. Miles are valued at 1.5¢ each. Mobile-payment-only bonuses are not counted unless you switch them on in the finder. How we calculate.

Common questions

What are the best credit cards for groceries in Singapore?

On our test profile the top card is the UOB One from UOB, at about S$1,172 a year after fees. The best card for you depends on your own mix of spending, which you can enter in the card finder.

How are these cards ranked?

By estimated yearly value after the annual fee, using each card's published earn rates, caps and minimum spend. Miles are valued at 1.5 cents. Welcome offers, promotions and single-merchant deals are not counted.

Does any bank pay for its position?

No. The order comes only from the calculation. card.sg is not paid by any bank to list or rank cards.

Other rankings