Best Credit Cards for Supermarkets

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  • View Details ★★★★★
    Bank: DBS / POSB
    Annual income S$30,000 (Foreigners S$45,000)
    Features:
    * 5% rebate on Sheng siong;
    * 1% on recurring utility bills from SP Services;
    * 3% on Wastons;
    * 2% on EZ-Reload
    Recommend: To those who frequently shopping @ Sheng siong


  • View Details Apply Now★★★★☆
    Bank: Citibank
    Annual income S$30,000 (Foreigners S$42,000)
    Features:
    * 2.7% ~ 7.3% rebate on FairPrice (since 15 Aug 2014. View Details)
    * Up to 7% rebate on Sheng Siong / Giant
    * Up to 15% on coffees
    * Up to 2% on EZ-Reload
    Remarks:
    * Need to spend S$50 per transaction, and minimum S$600 spendings to maximum the rebate
    Recommend: To those who spend a lot on above supermarkets, or those who love Starbucks.


  • View Details Apply Now★★★☆☆
    Bank: OCBC Bank Singapore
    Annual income S$30,000 (Foreigners S$45,000)
    Features:
    * 6% rebate on weekend dinning locally; 3% rebate on weekday dinning locally or overseas dinning
    * 3% rebate on Online Shopping, Groceries, Recurring Telecommunication bills (Singtel / Starhub / M1)
    * Up to 14% Fuel Savings at selected petrol stations; 5% Cashback at all petrol service stations
    * Minimum of S$600 spend in a calendar month. Otherwise a flat 0.3% cashback is awarded.
    * Cashback amount is capped at S$80 per calendar month.


  • View Details Apply Now★★★☆☆
    Bank: HSBC
    Annual income S$30,000 for SC / PR, S$40,000 for Foreigners, or a Fixed Deposit collateral of min S$10,000
    Features:
    * 5% cash rebate on Recurring Mobile/Cable TV/Internet Bill Payment
    * 5% cash rebates on all grocery spend
    * 2% cash rebates on dining
    * 5% cash rebates plus 14% instant discount at all Caltex and Shell stations
    * Earn 1 Rewards point with every S$1 charged
    * First 2 years fee waiver


  • View Details Apply Now★★★☆☆
    Bank: Maybank
    Annual income S$30,000
    Features: 5% rebate on NTUC Fairprice, Cold Storage, Popular, Toys “R” Us
    Recommend: To those who frequently shopping @ NTUC Fairprice，Cold Storage etc.
    Remarks: If your monthly spend is above S$150, you may consider to combine NTUC Member card.
    Note: Mini S$500 spending per bill month will be required for 5% rebate from Apr 1, 2014 onwawrds.


  • View Details Apply Now★★★☆☆
    Bank: Citibank
    Annual income S$30000 (S$42,000 for Foreigners)
    Features:
    * Savings of up to 20.88% at Esso and up to 20.8% at Shell, and 8% cash back at all other petrol stations
    * 8% cash back at all grocery stores.
    * 8% cash back all food and beverage outlets
    * Capped at S$25 per category per month.
    * Min S$888 spend required per month


  • View Details ★★☆☆☆
    Bank: Bank of China Singapore
    Annual income S$30,000 (Foreigners S$60,000)
    Features: 5% rebate on supermarkets, Guardian, Popular, Watsons, Toys ‘R’ Us etc.
    Remarks: 4.5% if monthly spending @ S$500~S$1000, 5% if above S$1000, or 0.5% if less than S$500
    Recommend: Not recommend to normal users due to uncomfortable banking experience.


  • View Details ★★☆☆☆
    Bank: UOB
    Annual income S$30,000 (Foreigners S$40,000), or a Fixed Deposit collateral of minimum S$10,000
    Features: Up to 5% rebate on Cold Storage, Market Place, Jasons, Giant, and Guardian (1% if monthly spend less than S$500, 3% if S$500~S$1000, 5% if >= S$1000). Capped at S$50. Got another 10% OFF on house brands.
    Remarks: New Card. Got additional 5% promotion till 31 Mar 2014 if spend more than S$1000 (capped at S$50 as well).
    Recommend: Not recommend to normal users due to its complex rules.

Besides the above, Diners Club/Sheng Siong Cobrand Credit Card also got 5% rebate in Sheng Siong. I won’t talk too much on other cards due to their complex rules.

Now, let’s talk about some recommendation for specified Supermarkets:

  • FairPrice:
    • Use Citibank SMRT to purchase S$600 or more FairPrice vouchers at Kallang Wave (in order to receive 7.3% rebate). Or use SCB SingPost Card at any FairPrice stores. You may also want to purchase FairPrice vouchers when there is
    • If you spend less than S$200, the recommended combination is “Voucher + Plus Card (LinkPoints)”. You may use OCBC Frank – FlashPay (not paywave) to pay the portion less than S$5.
    • If you spend more than S$200, the recommended combination will be:
      • Use voucher + OCBC Frank – FlashPay to make payment
      • Use NTUC Union Member Card to get 2X points (with mini S$20 purchases) and annual rebate
      • Note: Maybank F&F got 10% rebate sometimes.
    • For this combination, you got around 12.6% rebate: 7.3% rebate (from Citibank SMRT while purchasing vouchers) + 1.3% (2X points with S$20 purchases) + 4.x% annual rebate (4.5% for 2013).
  • Cold Storage: OCBC Frank (FlashPay) (Payment) + PASSION Card (Points). Refer to above if you spend a lot on Cold Storage.
    • For this combination, you got around 5.67% rebate: 5% (from McDonald Card) + 0.67% (Points from Passion)
  • Sheng Siong: POSB Everyday Card, 5% rebate
  • Giant / Market Place: SCB SingPost or CITIBANK SMRT (if spend more than S$500) or BOC FAMILY REBATE CARD if spend more than S$100
  • Online supermarkets (e.g. RedMart etc.): OCBC Frank or other cards good for online payments