Best Cashback/Miles Cards to Use For Groceries (2026)
Last Updated: 3rd January 2026
Things are pricier these days but having a good credit card can save you substantially on your groceries and supermarket expenses. With cards giving as much as 4 to 10 miles per dollar or 5% to 18% rebates, we can greatly lessen the sting of everyday essentials by buying our groceries with these cards.
Supermarket Cards
A few supermarket chains tie up with banks to offer rewards for marketing at their outlets. DBS yuu is the most prominent example giving a realistically achievable 10 miles per dollar or 18% rebates for shopping at Dairy Farm supermarkets (i.e. Cold Storage and Giant).
| Card | Advertised Earn Rate | Monthly Cap | Supermarket | Conditions |
|---|---|---|---|---|
 DBS yuu ⭐️ | 18% rebates or 10 miles per dollar | S$144 bonus rebates (S$822.86 spend) | Cold Storage & Giant | 💲 Minimum spend of S$800 per month |
 Trust Link | Up to 21%¹ | 5,500 Linkpoints (S$1,375 spend) | NTUC FairPrice | 💲 Minimum spend of S$350 outside of FairPrice Group Various other conditions apply |
 POSB Everyday | 5 cashback¹ | S$20 cashback (S$400 spend) | Sheng Siong | 💲 No minimum spend |
 BOC Sheng Siong | 6% cashback | S$35 cashback (S$583.33 spend) | Sheng Siong | 💲 S$300 min. spend outside of Sheng Siong |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend. Trust Link Card’s rate, in particular, is highly inflated.
Grocery Cards
These cards give their earn rate on the Groceries category and this will work with any supermarket with the Merchant Category Code (MCC) of 5411.
| Card | Advertised Earn Rate | Monthly Cap | Supermarket | Conditions |
|---|---|---|---|---|
 Maybank Family and Friends | 6% cashback | Tier 1: S$20 cashback (S$333.33 spend) Tier 2: S$30 cashback (S$500 spend) | Any | 💲 Tier 1: S$800 min. spend per month 💲 Tier 2: S$1,600 min. spend per month 💳 Groceries category selected |
 UOB One | 6% to 8% cashback | Tier 1: S$60 (S$1,000 spend) Tier 2: S$160 (S$2,000 spend) | Any | 💲 Minimum spend of S$1,000 (6%) or S$2,000 (8%) per month for one quarter |
 Citi Cash Back | 6% cashback | S$80 cashback (S$1,333.34 spend) | Any | 💲 Minimum spend of S$800 per month |
 Citi SMRT Card | 5% cashback | S$600 cashback (annual cap) | Any | 💲 Minimum spend of $500 per month |
 UOB Lady’s | 4 to 10 miles per dollar | S$1,000 spend | Any | 💳 Groceries category selected |
 UOB Lady’s Solitaire | 4 to 10 miles per dollar | S$750 spend per category | Any | 💳 Groceries category selected |
Other Cards
Cards that give their earn rate on contactless payment or online transactions will also work for groceries provided you use the card correctly (i.e. mobile contactless payment with UOB Preferred Platinum Visa, buying through supermarket app/website for online cards like DBS Woman’s World Mastercard).
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 UOB EVOL | 10% cashback¹ | S$30 cashback (S$300 spend) per category | 💲 Minimum spend of S$800 per month 📲 Local mobile contactless payment 🌐 App/online |
 OCBC FRANK | 8% cashback¹ | S$25 cashback (S$312.50 spend) per category | 💲 Minimum spend of S$800 per month 📲 Mobile contactless payment 🌐 App/online |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) per category | 💲 Minimum spend of S$600 per month 📲 Contactless payment 🌐 App/online |
 Citi SMRT | 5% cashback | S$600 cashback annually (S$12,000 spend) | 💲 Minimum spend of S$500 per month 🌐 App/online ❌ Travel and mobile wallet excluded |
 UOB One | 3.33% cashback (with bonus on selected partners) | S$200 cashback quarterly S$120 cashback per month for selected partners | 💲 Minimum spend of S$600 / S$1,000 / S$2,000 per month for a quarter |
 Maybank Platinum Visa | 3.33% cashback | Quarterly cap of S$30, S$100 or S$200 | 💲Quarterly mechanic: spend S$300, S$1,000 or $2,000 per month for a quarter |
 SAFRA DBS | 3% cashback | S$50 cashback per month (S$1,666.67 spend) | 💲 Minimum spend of S$500 per month 🫡 Must be SAFRA member 📲 Contactless payment 🌐 App/online |
 UOB Preferred Visa | 4 miles per dollar | S$600 spend per category (2,400 miles) | 💲 Points awarded in blocks of S$5 spend 📲 1st Category: mobile contactless payment 🌐 2nd Category App/online for selected MCCs only |
 UOB Visa Signature | 4 miles per dollar | S$1,200 spend (4,800 miles) | 💲 Minimum spend of S$1,000 per month 📲 1st Category: in-store contactless payment 💱 2nd Category: foreign currency |
 Citi Rewards | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online 💳 In-person through Amaze with 1% fee ❌ Travel and mobile wallet excluded (Apple Pay or Google Pay, even online ones, do not work) |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
Supermarket-specific guides
See these articles for supermarket-specific guides:
Pro-tip: supermarket vouchers can help with minimum spend
If you have difficulty hitting the monthly minimum spend, you can consider buying supermarket vouchers. For instance, if your grocery spend is only S$200 per month, you can use the DBS yuu to buy S$800 worth of Dairy Farm vouchers from Cold Storage or Giant, hitting the minimum spend required for the high earn rate. You can subsequently spend the vouchers over a period of 3 months.
You can also consider getting supermarket vouchers through Shopback or Heymax for extra rewards. I will have a piece on this shortly so stay subscribed for updates.
My picks
DBS yuu is too difficult to ignore, but for those who prefer not to get their groceries from Cold Storage or Giant, Citi Cash Back is an easy to use card that gives 6%, and the minimum spend can be easily met with vouchers as mentioned above.
I personally find UOB One’s quarterly spend mechanic too cumbersome to meet consistently, but those who are alright with meeting the requirements of the card would also find it good for their grocery spending.
POSB Everyday is also a worthy pick for those who prefer not to worry about minimum spend and shop at Sheng Siong.
Miles people can pick their choice of 4 miles per dollar cards. UOB Lady’s cards have the added advantage of clocking the spend requirement of UOB One account for higher interest.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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