Best Credit Cards for Groceries (Miles vs Cashback)

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on the following spending categories:

1. Mobile Contactless (e.g. groceries, public transport, dining, shopping, hotels, overseas)
2. Online (e.g. online shopping, food delivery, ticketing)

No minimum spend is required to earn 4 mpd on both categories, but this bonus earn rate is capped at S$600 worth of spending per category, per calendar month (max. total of S$1,200).

The Mobile Contactless category covers a wide range of spending categories, while the Online Spending category is MCC-sensitive.

Take note that cardholders will only earn 0.4 mpd on other categories and spending above the monthly bonus cap.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

“Mobile Contactless” refers to Google Pay, Apple Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
S$27 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per S$5 spent, plus 9 bonus UNI$ for eligible online and mobile contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a strong earn rate of 4 miles per dollar on online spending, up to S$1,000 per calendar month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, flights, hotels, food delivery and ride-hailing.

The biggest drawback of this card is its short points expiry term of just 1 year. Cardholders should set yearly reminders to transfer out the points before they expire.

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$80,000/year
(Not strict. Many readers with lower income have reported that you can get an approval by applying without SingPass, then entering an annual income above S$80k, before uploading your actual proof of income that is under S$80k.)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
1 year from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Qantas Frequent Flyer

💯 Transfer ratio
1 point = 2 miles

🧮 Transfer block
5,000 points (10,000 miles)

💲Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other DBS cards and transferred out together at once.

❓How/When points are credited
Earn 1 base point per S$5 spent, plus 9 bonus points for eligible online transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited around the middle of the following calendar month.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 1 pre-selected bonus category, up to S$1,000 per calendar month. No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spending above S$1,000 per calendar month.

Cardholders can choose/change a preferred bonus category every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

There are 3 main versions of the UOB Lady’s Card (UOB Lady’s Card, UOB Lady’s Solitaire Card, UOB Lady’s Solitaire Metal Card). Each UOB customer can only hold one at a time.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
S$27 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per S$5 spent, plus 9 bonus UNI$ for eligible transactions on the bonus category (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

Suitesmile rating:

✍️ Short summary
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on 2 pre-selected bonus categories, up to S$750 per calendar month each (total S$1,500). No minimum spending is required.

Cardholders will only earn 0.4 mpd on other categories and spendings above the bonus limit.

Cardholders can choose/change a preferred bonus categories every quarter.

The 7 bonus categories available are:

1. Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
2. Fashion (e.g. clothing, shoes stores)
3. Dining (e.g. restaurants, food delivery)
4. Family (e.g. supermarkets, children clothing stores)
5. Travel (e.g. flights, hotels, duty-free stores)
6. Transport (e.g. public transport, taxi, petrol)
7. Entertainment (e.g. bars, night clubs, cinemas)

Cardholders may check existing selected bonus category by calling UOB.

There are 3 main versions of this card (UOB Lady’s Card, UOB Lady’s Solitaire Card, UOB Lady’s Solitaire Metal Card). Each UOB customer can only hold one at a time.

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$414.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
S$27 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per S$5 spent, plus 9 bonus UNI$ for eligible transactions on the bonus category (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

📜 Chosen Category MCCs and FAQs

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar on two categories:

1. Overseas (incl. online in foreign currencies)
2. Local Contactless (e.g. PayWave, Google Pay, Apple Pay), SimplyGo (bus/mrt), Fuel (excl. SPC, Shell)

To receive the bonus earn rate, a minimum spending of S$1,000 per statement month is required on that particular category, with a category cap of S$1,200 in the same period. You may also enjoy the bonus earn rate on just 1 category in any statement period.

These categories offers broad coverage on spendings like shopping (in-person and online), foreign currency (in-person and online), dining, groceries, flights, hotels, food delivery and ride-hailing.

However, the huge catch is the minimum spending amount that has to be met on that particular bonus category (not general card spend like other cards). For example, if you want to earn 4 mpd on foreign currency spending, you have to spend at least S$1,000 per statement month on foreign currencies.

All other spending earn just 0.4 mpd (uncapped).

Before converting UOB UNI$ to miles for the first time, you’d need to enrol in the UOB Rewards Frequent Flyer Conversion programme. It’s best to do this early to avoid delays on your future miles conversions.

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💸 Annual fee
S$218
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
1 UNI$ = 2 miles

🧮 Transfer block
5,000 UNI$ (10,000 miles)

💲Transfer fee
S$27 per transfer

🤗 Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.

❓How/When points are credited
Earn 1 base UNI$ per S$5 spent, plus 9 bonus UNI$ for eligible online and contactless transactions (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to S$1,000 per statement month.

For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.

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💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 36 yuu points per dollar when spending between S$800 and S$822.86 at participating yuu merchants in a calendar month. To receive the bonus yuu points, cardholders are also required to spend at a minimum of 4 participating yuu merchants every calendar month.

What are yuu points worth?
36 yuu points can be redeemed for an effective earn rate of 18% cash rebate or 10 miles per dollar.

What if you spend more than S$822.86 at participating yuu merchants?
Once you’ve accumulated more than the 28,800 monthly cap on bonus yuu points, you’ll continue to earn just 1 yuu point per dollar (0.5% cash rebate).

Should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to receive 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.

Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.

If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.

• Giant
• Cold Storage
• Gojek
• 7-Eleven (Visa only)
• Foodpanda
• Singtel
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• Charge+ EV charging (Visa only)
• CHAGEE (via CHAGEE app only)

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

🫱‍🫲 Transfer partners
KrisFlyer only

💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile

🧮 Transfer block
200 points (56 miles)

💲Transfer fee
Free

❓How/When points are credited
Base reward: 1 yuu point (uncapped)
Bonus reward (no min. spend): 9 yuu points (capped at 28,800 points)
Bonus reward (S$800 min. spend): 26 yuu points (capped at 28,800 points)
Total reward: 36 yuu points

Base points are credited instantly while bonus points are credited within 60 days from the transaction date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 36 yuu points per dollar when spending between S$800 and S$822.86 at participating yuu merchants in a calendar month. To receive the bonus yuu points, cardholders are also required to spend at a minimum of 4 participating yuu merchants every calendar month.

What are yuu points worth?
36 yuu points can be redeemed for an effective earn rate of 18% cash rebate or 10 miles per dollar.

What if you spend more than S$822.86 at participating yuu merchants?
Once you’ve accumulated more than the 28,800 monthly cap on bonus yuu points, you’ll continue to earn just 1 yuu point per dollar (0.5% cash rebate).

Should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to receive 18% rebate, you’d be “paying” about 1.8 cents per KrisFlyer mile in opportunity cost; and that’s pricey.

Tip: Redeem yuu points for excluded Giant or Cold Storage items like magazines, infant milk formula, sushi or tobacco products to lower/eliminate your opportunity cost.

If you’re looking to top-up small amounts of KrisFlyer miles for an award redemption, this is a great way to do so, as conversions are free and instantaneous.

• Giant
• Cold Storage
• Gojek
• 7-Eleven (Visa only)
• Foodpanda
• Singtel
• Guardian
• SimplyGo (Singapore public buses, MRT, LRT)
• Charge+ EV charging (Visa only)
• CHAGEE (via CHAGEE app only)

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

🫱‍🫲 Transfer partners
KrisFlyer only

💯 Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile

🧮 Transfer block
200 points (56 miles)

💲Transfer fee
Free

❓How/When points are credited
Base reward: 1 yuu point (uncapped)
Bonus reward (no min. spend): 9 yuu points (capped at 28,800 points)
Bonus reward (S$800 min. spend): 26 yuu points (capped at 28,800 points)
Total reward: 36 yuu points

Base points are credited instantly while bonus points are credited within 60 days from the transaction date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card can be highly rewarding, but it requires a lot of tracking work on your part and can be very time-consuming.

Earn up to 3.33% cashback on almost everything, including online shopping, in-person shopping, dining, groceries, ride-hailing, food delivery, utilities and even phone/internet bills.

Why “up to” 3.33%? Upon meeting certain conditions, cardholders get a fixed cashback amount of S$60, S$100 or S$200 at the end of each quarter.

How to receive up to 3.33% cashback:

• MANDATORY: Make at least 10 transactions per statement month
• Get S$60 cashback when you spend at least S$600 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$100 cashback when you spend at least S$1,000 per month, for 3 consecutive statement months in a qualifying quarter
• Get S$200 cashback when you spend at least S$2,000 per month, for 3 consecutive statement months in a qualifying quarter

In other words, you will only receive exactly 3.33% cashback when you spend exactly S$600, S$1,000 or S$2,000 for 3 consecutive months in a qualifying quarter. For example, a cardholder who spends S$1,800/month in that same period, would fall under the S$1,000 band and be rewarded with just S$100 cashback (equivalent to 1.85%).

Cardholders who meet the conditions for up to 3.33% cashback described above can earn up to 6.67% additional cashback (total up to 10% cashback) at selected merchants like Grab, Shopee, Giant, Cold Storage and SimplyGo. This additional cashback is capped at S$120 per statement month.

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💸 Annual fee
S$196.20
(First year waived, request waiver every year after that)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$40,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓ When cashback is credited
Receive your cashback in the card by the following statement date after the completion of your qualifying quarter.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you a strong 8% cashback on Ride-Hailing and Petrol spending and 6% cashback on Groceries and Dining upon meeting the minimum spend of S$800 per statement month. Cashback is capped at S$80 per month.

Using this card for fuel purchases at Esso and Shell will get you 20.88% in savings, while using it at Sinopec can get you up to 31% in savings (depending on station discount).

Eligible purchases in foreign currency counts too! Remember to link the card to Amaze to lower foreign currency charges.

Pro tip: Can’t meet the S$800 monthly spending requirement? You can purchase supermarket vouchers in store to make up the difference. These voucher purchases will be eligible for 6% cashback and can be used for grocery shopping in future.

Get just 0.25% cashback for other spending categories.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cardholders are required to redeem it via SMS.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of S$500 per statement month.

Cashback is capped at S$600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on S$12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

🤑 Foreign currency fee
3.25%

❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. S$10).

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card awards 10% cashback on 5 bonus categories, when you spend at least S$800 on the card in a statement month.

Monthly bonus cashback is capped at S$20 per category (S$200 worth of spending), so, the only way to truly earn 10% cashback is by spending on at least 4 bonus categories in a statement month.

Here are the 5 bonus categories:

1. Beauty & wellness
2. Online shopping
3. Grocery
4. Pet shops and veterinary services
5. Cruise

Get just 0.2% cashback on all other categories and if you fail to meet the minimum spending requirement.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year

🤑 Foreign currency fee
3%

❓How/When cashback is credited
Cashback will be credited by the following statement month.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary
Cardholders can earn 6% or 8% cashback on their 5 chosen categories via two cashback tiers.

Tier 1 (6% cashback): Spend at least S$800 per calendar month. Cashback is capped at S$20 per category (S$333 worth of spending).

Tier 2 (up to 8% cashback): Spend at least S$1,600 per calendar month. Cashback is capped at S$30 per category (S$375 worth of spending). However, take note that the Groceries category will still only earn 6% cashback on up to S$500 worth of spending.

Cardholders can choose 5 bonus categories (via Maybank’s TREATS SG app) from a list of 10:

1. Automotive (default)
2. Dining & Food Delivery (default)
3. Kids & Pets (default)
4. Online Shopping (default)
5. Telco & Streaming (default)
6. Beauty & Wellness
7. Commute
8. Entertainment
9. Groceries
10. Sports & Sports Apparels

Additional Bonus Category
Cardholders can also earn 6% or 8% cashback on eligible purchases made in Malaysian Ringgit or Indonesian Rupiah, but not if they fall under the cardholder’s chosen spending categories. If a transaction overlaps with the chosen categories and exceeds the cashback cap, only the amount spent beyond that limit will qualify for this additional category. Cashback earned in this category is also capped at S$20 and S$30 per calendar month for Tier 1 and Tier 2 respectively.

Get just 0.22% cashback if you fail to meet the minimum spending requirement and for other spending categories.

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💸 Annual fee
S$196.20
(First 3 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR),
S$45,000/year (Malaysian),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓When cashback is credited
Cashback amount is credited into the card at the end of the statement month.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card gives you 3 to 6% cashback on selected bonus categories upon meeting the monthly minimum spending requirement.

Here are the bonus categories and cashback amounts:

1. Petrol: 6%
2. Dining & Food Delivery: 5%
3. Groceries: 3%
4. Public Transport & Ride-Hailing: 3%
5. Recurring Utility & Telco Bills: 3%
6. Watsons: 3%
7. Streaming: 3%

Bonus cashback comes with the following minimum spending and caps (per calendar month):

• Tier 1: Min. spend S$800, bonus cashback capped at S$80
• Tier 2: Min. spend S$1,600, bonus cashback capped at S$160

Cardholders can also receive uncapped 1% cashback with no minimum spending requirement when spending at the following advertising platforms:

• 99.co
• EdgeProp
• PropertyGuru
• StreetSine
• Facebook & Meta (with MCC 7311)

This is a decent card for dining and transport spending (5% cashback) but the cashback earn rates on other categories are really weak for a card with an S$800/month minimum spending requirement. Consider using better Cashback credit cards.

Get just 0.25% cashback on other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Bonus cashback is credited by the end of the following calendar month.

📜 Terms & conditions