Last updated on 19 April 2024
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What are the Best Cards in Singapore for Supermarket Spending?
Additional notes:
- Amaze & Citi Rewards: Link your Citi Rewards card to Amaze and use your Amaze card to pay
- UOB Preferred Platinum: Mobile contactless (G Pay, Apple Pay etc.) only
- UOB Lady’s: Family category must be pre-selected
- DBS yuu: Giant & Cold Storage only
1) Earn rates (miles/cashback)
2) Ease of use (spending/income requirements)
3) Miles/Points flexibility (total transfer partners)
4) Miles/Points expiry term
5) Annual fee
6) Other additional benefits
💡Click on the + Card Summary buttons below to instantly view the key details of each card!
DBS yuu
Get up to 18% cash rebate at selected merchants
More information on the
This card gives you unlimited 5% cash rebate at yuu partners with no minimum spending required.
Spend at least $600 per calendar month to get a bonus 13% cash rebate (total 18%) at yuu partners, capped at $78 per month ($600 spending).
yuu partners include:
– Giant
– Cold Storage
– Gojek
– 7-Eleven
– foodpanda
– Singtel
– Guardian
– Food Republic
– Food Junction
– Breadtalk
Unfortunately, cash rebate/points will not be awarded for gift card or voucher purchases at these stores.
Get just 0.5% cash rebate for other spending categories.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
💯 Conversion ratio
1 yuu point = 0.5% cash rebate
❓How/When points are credited
Earn 1 yuu point per $1 dollar spent, plus 9 bonus yuu points for eligible online transactions (equivalent to 5% cash rebate in total). Earn a further 26 yuu points per $1 at yuu partners if you spend at least $600 in a calendar month. Base points are credited within 14 days, while bonus points are credited within 60 days.
Amaze
Turn offline transactions online and minimize foreign transaction fees
🎁 Sign-up bonusGet 225 InstaPoints (worth $2.25) when you sign up as a new cardholder.
More information on the
Amaze is an innovative Debit Card that does not require topping up of an e-wallet to reap great benefits. In fact, this card actually makes some credit cards better!
By linking a credit card to Amaze, cardholders can save about 1.5% in foreign currency fees, after considering the InstaPoints that can be earned (see below).
Key points to note about the card:
- Link up to 5 Mastercards in the Instarem mobile app
- Choose 1 of those cards before your next Amaze transaction
- All Amaze transactions will be charged in SGD, directly to the linked card
- All Amaze transactions will be seen as online transactions by the linked card
- All Amaze transactions will retain the actual Merchant Category Code (MCC) and will be seen by the linked card
- Get 0.5 InstaPoint per SGD (equivalent to 0.5% cashback) on foreign currency spending (min. S$10, max. S$1,000 per transaction)
- DBS/POSB cards do not award miles/points for Amaze transactions
- Avoid Dynamic Currency Conversion (DCC) fees (if any)
- From 1 Apr 2024, when Amaze is linked to a card, all SGD spending in excess of S$1,000 per month will incur a 1% fee.
Pro tip: Link the Citi Rewards card to this card and use it to earn 4 miles per dollar on general spending categories like dining, groceries and online/offline shopping (except flights/hotels). This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges!
🔗 Great cards that can be linked to Amaze
Citi PremierMiles (1.2 mpd)
HSBC TravelOne (1.2 mpd)
Citi Prestige (1.3 mpd)
Citi Rewards (4 mpd)
OCBC Titanium Rewards (4 mpd)
UOB Lady’s (6 mpd)
💸 Annual fee
No annual fee, ever
💼 Income requirement
No income requirement
🤑 Foreign currency fee
No foreign currency fee. However, Amaze’s foreign exchange spread currently stands at around 2% more than spot rates. Cardholders can get 0.5% cashback in the form of InstaPoints when transacting in a foreign currency, for a total FX loss of about 1.5%. This makes the card better than most credit cards that charge over 3% in FX fees.
⏰ Points expiry
1 year from transaction
💯 Conversion ratio
2,000 InstaPoints = $20
❓ How/When points are credited
Get 0.5 InstaPoint per S$1 of foreign currency spending (min. S$10, max S$1,000 per transaction). InstaPoints are credited immediately upon spending.
Citi Rewards
Earn 4 mpd on online spending, except travel-related
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.
Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.
Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).
Pro tip: Link this card to Amaze and use the Amaze card to also earn 4 mpd on general spending categories like online/offline shopping, dining and groceries! This pairing turns all your offline transaction “online” (to earn 4 mpd) and lowers your foreign currency charges!
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
⏰ Points expiry
Every 5 years from card opening date
🫱🫲 Transfer partners
Krisflyer, Asia Miles, Miles&Smiles, Privilege Club and more!
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$27 per transfer
🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.
UOB Preferred Platinum
Earn 4 mpd on most online and mobile contactless spending
More information on the
This card gives you a strong earn rate of 4 miles per dollar on online and mobile contactless spending (in foreign currency too!) on key spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing, up to $1,110 per statement month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,110 per statement month. On top of that, cardholders will not earn any miles/points on SimplyGo transactions (i.e. bus or MRT), even when paid through mobile contactless.
“Mobile contactless” refers to Google Pay, Apply Pay, Samsung Pay and Fitbit Pay. Cardholders will not earn 4 mpd by using the physical card.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ 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 $5 dollar spent, plus 9 bonus UNI$ 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.
Citi Cash Back
Get up to 8% cashback on ride-hailing, 6% cashback on dining/groceries
More information on the
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 $800 per statement month. Cashback is capped at $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 $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.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/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.
Maybank Family & Friends
Get up to 8% cashback on chosen categories
More information on the
This card gives you a strong 8% cashback on chosen categories, if you spend at least $800 on the card in a calendar month. Cashback is capped at $25 per category ($312.50 worth of spending).
Cardholders can choose 5 bonus categories (via Maybank’s TREATS SG app) from a list of 10:
- Groceries (default)
- Transport (default)
- Dining & Food Delivery (default)
- Retail & Pets (default)
- Data Communication & Online TV Streaming (default)
- Online Fashion
- Entertainment
- Pharmacy
- Sports & Sports Apparels
- Beauty & Wellness
Eligible purchases in foreign currency count too! Remember to link the card to Amaze to lower foreign currency charges.
Pro tip: Can’t meet the $800 monthly spending requirement? You can purchase supermarket vouchers in store to make up the difference. These voucher purchases will be eligible for 8% cashback and can be used for grocery shopping in future.
Get just 0.3% cashback for other spending categories.
💸 Annual fee
$180
(First 3 years waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
❓When cashback is credited
Cashback amount is credited into the card at the end of the statement month.
Standard Chartered Journey
Earn 3 mpd on dining, groceries and ride-hailing
More information on the
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to $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.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.5%
⏰ Points expiry
Points earned on this card never expires!
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
2.5 points = 1 mile
🧮 Transfer block
25,000 points (10,000 miles)
💲 Transfer fee
$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.
UOB Lady’s
Earn 4 mpd on chosen bonus category
More information on the
This card, which is also available to men, gives you a great earn rate of 4 miles per dollar on your pre-selected bonus category, up to $1,000 per calendar month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.
Cardholders can choose/change a preferred bonus category every quarter.
The 7 bonus categories available are:
- Beauty & Wellness (e.g. cosmetic stores, hair salons, spas)
- Fashion (e.g. clothing, shoes stores)
- Dining (e.g. restaurants, food delivery)
- Family (e.g. supermarkets, children clothing stores)
- Travel (e.g. flights, hotels, duty-free stores)
- Transport (e.g. public transport, taxi, petrol)
- Entertainment (e.g. bars, night clubs, cinemas)
Cardholders may check existing selected bonus category by calling UOB.
💸 Annual fee
$196.20
(First year waived)
💼 Income requirement
$30,000/year
🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
⏰ Points expiry
2 years from transaction
🫱🫲 Transfer partners
KrisFlyer and Asia Miles
💯 Transfer ratio
1 UNI$ = 2 miles
🧮 Transfer block
5,000 UNI$ (10,000 miles)
💲Transfer fee
$25 per transfer
🤗 Points pooling
UNI$ 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 $5 dollar spent, plus 9 bonus UNI$ 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.