Grocery Credit Cards in Singapore — Ranked by Your Spending
12 Singapore cards earn bonus grocery rewards. This page ranks them by the cashback or miles you would earn on your own spending — set your monthly spend and what a mile is worth to reorder. Updated June 2026
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Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Cashback counts at face value; miles are valued at the cents-per-mile you set. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
How grocery credit-card rewards work in Singapore
Grocery rewards turn on whether a store clears as a supermarket. In-store spend at chains such as NTUC FairPrice, Cold Storage, Giant and Sheng Siong typically codes as groceries and earns the bonus; convenience stores, wet-market stalls and department-store food halls often do not, even when you are buying the same items. The merchant code, not the trolley, decides the rate.
Online grocery is where it gets slippery. RedMart, Amazon Fresh and a supermarket’s own delivery app can code as online or general retail rather than groceries, so the same weekly shop may earn a different rate online than in the aisle. On top of that, most grocery bonuses carry a monthly cap and many sit behind a minimum monthly spend, both of which the calculator applies to your own figure so the ranking reflects what you would really collect.
For a category most households spend on every week, the cap usually matters more than the headline rate. Cashback returns a percentage you can spend immediately, while miles convert groceries into travel currency worth chasing only if you redeem well — set what a mile is worth to you to compare the two on the same scale.
For how each figure is sourced, time-stamped, and built — and what the calculator does and does not model — read our methodology.
Frequently asked questions
Which credit card earns the most on groceries in Singapore?expand_more
It depends on your monthly supermarket spend and whether you value cashback or miles. Put your grocery figure into the calculator above and the cards re-rank by what they would actually pay you, with caps and any minimum spend already applied — so the order reflects your basket, not a marketing rate.
Is there a minimum spend for the groceries bonus?expand_more
Often, yes. A number of cards pay the elevated grocery rate only once your total monthly spend passes a threshold. The calculator uses your real spend, so a card whose minimum you do not meet settles lower in the ranking instead of displaying its top rate.
Which supermarkets count — NTUC FairPrice, Cold Storage, Sheng Siong?expand_more
In-store spend at the major chains generally codes as groceries and earns the bonus. Online grocers such as RedMart and Amazon Fresh, and some delivery apps, can code as online or general retail instead, so the same shop may earn a different rate online. Check each card’s terms if most of your grocery spend is online.
Cashback or miles for groceries — which is better for me?expand_more
Cashback hands back a percentage you can use right away; miles turn grocery spend into travel currency that only pays off if you redeem well. Because groceries are a steady weekly cost, the monthly cap often matters more than the rate — use the cents-per-mile control to value miles and weigh both types together.
Is there a cap on grocery rewards?expand_more
Usually. Most cards cap the bonus grocery reward each month, after which supermarket spend earns the base rate. Because grocery spend is regular, a low cap is reached quickly, so the calculator applies caps at your spend level to show what you would actually earn over a month.