Last updated on 30 January 2025
Pick a category below to view the best cards
What are the Best Cards in Singapore for Supermarket Spending?
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
DBS yuu | 18% cash rebate or 10 mpd โข Giant & Cold Storage only โข Min. spend $600 per calendar month โข Up to $600 per calendar month |
Amaze + Citi Rewards | 4 mpd โข Up to $1,000 per statement month |
UOB Preferred Platinum | 4 mpd โข Mobile Contactless only (G Pay, Apple Pay) โข Up to $1,110 per calendar month |
SC Journey | 3 mpd โข Up to $1,000 per statement month |
UOB Lady’s | 4 mpd โข Family category must be pre-selected โข Up to $1,000 per calendar month |
Maybank Family & Friends | 8% cashback โข Groceries category must be pre-selected โข Min. spend $800 per calendar month โข Up to $312.50 per calendar month |
Citi Cash Back | 6% cashback โข Min. spend $800 per statement month โข Up to $1,333 per statement month |
Citi SMRT | 5% cashback โข Min. spend $500 per statement month โข Up to $12,000 per card membership year |
UOB Visa Signature | 4 mpd โข Contactless only โข Min. spend $1,000 per statement month โข Up to $2,000 per statement month |
๐ก Click on the + Card Summary buttons below to view the key details of each card.

DBS yuu
Get up to 18% cash rebate or 10 mpd at selected merchants
๐ Sign-up bonus

More information on the
This card gives you uncapped earn rate of 10 yuu points per dollar at participating yuu merchants, with no minimum spending required. 10 yuu points can be redeemed for 5% cash rebate or 2.78 KrisFlyer miles per dollar.
Spend at least $600 per calendar month to get a bonus 26 yuu points per dollar at those merchants (total 36 yuu points = 18% rebate = 10 mpd), capped at $78 per month ($600 spending). Yes, that’s right, the only way that you’ll get 18% cash rebate or 10 mpd is if you spend exactly $600 at participating merchants every month.
So, should you redeem yuu points for KrisFlyer miles?
By ignoring the opportunity to earn 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
- Foodpanda
- Singtel
- Guardian
- Breadtalk
Cardholders can also earn 35 yuu points per dollar when purchasing Dairy Farm supermarket vouchers from Giant or Cold Storage outlets, and when paying Singtel bills at Singtel kiosks in Singtel shops.
Get just 0.5% cash rebate at other merchants.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer only
๐ฏ Conversion ratio
1 yuu point = 0.5% cash rebate
3.6 yuu points = 1 KrisFlyer mile
๐งฎ Transfer block
200 points (56 miles)
๐ฒTransfer fee
Free
โHow/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.
๐ Terms & conditions

Amaze
Turn offline transactions online and minimize foreign transaction fees
๐ 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.
Good Amaze use cases:
- Link Citi Rewards to this card for in-person SGD spending on dining, groceries, general shopping and fuel, to turn offline transactions online and earn 4 mpd
- Link Citi Rewards to this card for online/offline foreign currency spending on dining, groceries, ride-hailing, food delivery and general shopping, to save ~1% on foreign currency fees while earning 4 mpd
- Link Citi Cash Back to this card to save ~1% on foreign currency fees while receiving 6-8% cashback on ride-hailing, petrol, groceries and dining
- Link OCBC Rewards to this card to save ~1% on foreign currency fees on online/offline shopping (e.g. clothing/shoes, toys, duty free, luggage etc.) while earning 4 mpd
- Link Maybank Family & Friends to this card to save ~1% on foreign currency fees on chosen categories while earning 8% cashback
Key points to note about the Amaze 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
- UOB, DBS/POSB and DCS cards do not award miles/points for Amaze transactions
- Avoid Dynamic Currency Conversion (DCC) fees (if any)
- Amazes foreign currency spread currently stands at around 2%
- When Amaze is linked to a card, all SGD spending in excess of S$1,000 per month will incur a 1% fee
๐ Great cards that can be linked to Amaze
Citi Rewards (4 mpd)
Citi Cash Back (6/8% cashback)
OCBC Rewards (4 mpd)
Maybank Family & Friends (8% cashback)
๐ธ Annual fee
No annual fee, ever
๐ผ Income requirement
No income requirement
๐ค Foreign currency fee
No foreign currency fee. However, Amaze’s foreign exchange spread currently stands at around 2% more than the Mastercard rate. This is about 1% lower than the ~3.25% fee that most credit cards charge.
โฐ Points expiry
1 year from transaction
๐ฏ Conversion ratio
2,000 InstaPoints = $20
๐ Terms & conditions

Citi Rewards
Earn 4 mpd on online spending
๐ Sign-up bonus

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.
Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.
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 transactions “online” (to earn 4 mpd on some cards) and lowers your foreign currency charges.
View our complete review of the Citi Rewards Card.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)
โฐ Points expiry
Every 5 years from card opening date (+3 months grace period)
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!
๐ฏ Transfer ratio
2.5 points = 1 mile
๐งฎ Transfer block
25,000 points (10,000 miles)
๐ฒ Transfer fee
$27.25 per transfer
๐ค Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.
โ 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.
๐ Terms & conditions

UOB Preferred Platinum
Earn 4 mpd on Mobile Contactless spending
๐ Sign-up bonus

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, hotels, online shopping, in-person shopping and food delivery, up to $1,110 per calendar month.
Take note that cardholders will only earn 0.4 mpd on other categories and spending above $1,110 per calendar 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.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โฐ Points expiry
2 years from transaction
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer and Asia Miles
๐ฏ Transfer ratio
1 UNI$ = 2 miles
๐งฎ Transfer block
5,000 UNI$ (10,000 miles)
๐ฒTransfer fee
$25 per transfer
๐ค Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
โHow/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.
๐ Terms & conditions

Standard Chartered Journey
Earn 3 mpd on groceries and ride-hailing
๐ Sign-up bonus

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.
๐ธ Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.5%
โฐ Points expiry
Points earned on this card never expire!
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer and Asia Miles
๐ฏ Transfer ratio
2.5 points = 1 mile
๐งฎ Transfer block
25,000 points (10,000 miles)
๐ฒ Transfer fee
$27 per transfer
๐ค Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.
โ When points are credited
Base points are credited immediately when the transaction is posted.
๐ Terms & conditions

UOB Lady’s
Earn 4 mpd on chosen bonus category
๐ Sign-up bonus

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.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โฐ Points expiry
2 years from transaction
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer and Asia Miles
๐ฏ Transfer ratio
1 UNI$ = 2 miles
๐งฎ Transfer block
5,000 UNI$ (10,000 miles)
๐ฒTransfer fee
$25 per transfer
๐ค Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
โHow/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.
๐ Terms & conditions

Maybank Family & Friends
Get 8% cashback on chosen categories
๐ Sign-up bonus

More information on the
This card gives you a strong 8% cashback on chosen spending categories, if you spend at least $800 (in SGD or foreign currency) on the card in a calendar month. Cashback is capped at $25 per category ($312.50 worth of spending) and $150 in total ($1,875 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 Shopping
- Entertainment
- Pharmacy
- Sports & Sports Apparels
- Beauty & Wellness
Additional Bonus Category
Cardholders can also earn an additional 8% cashback on eligible purchases made in Malaysian Ringgit or Indonesian Rupiah, but not if they fall under the cardholderโs default/selected spending categories. If a transaction overlaps with these categories and exceeds the limit of S$312.50 per month, only the amount spent beyond that limit will qualify for the bonus. Cashback earned in this category is also capped at $25 per calendar month.
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.
๐ธ Annual fee
$196.20
(First 3 years waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โWhen cashback is credited
Cashback amount is credited into the card at the end of the statement month.
๐ Terms & conditions

Citi Cash Back
Get 8% cashback on ride-hailing & petrol, 6% cashback on dining & groceries
๐ Sign-up bonus

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.
๐ธ Annual fee
$196.20
(First year waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)
โHow/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.
๐ Terms & conditions

Citi SMRT
Get 5% cashback on online spending, groceries and transportation
๐ Sign-up bonus

More information on the
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of $500 per statement month.
Cashback is capped at $600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on $12,000 worth of eligible spending, making this card fantastic for large purchases!
Get just 0.3% cashback for all other spending categories.
๐ธ Annual fee
$196.20
(First 2 years waived)
๐ผ Income requirement
$30,000/year
๐ค Foreign currency fee
3.25%
โHow cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).
๐ Terms & conditions

UOB Visa Signature
Earn 4 mpd on foreign currency and/or contactless spending
๐ Sign-up bonus

More information on the
This card gives you a strong earn rate of 4 miles per dollar on foreign currency (online or offline) and/or contactless spending. This covers most spending categories like dining, groceries, flights, hotels, retail shopping, food delivery and ride-hailing.
A minimum spending of $1,000 per statement month is required, with a $2,000 cap during the same period.
Take note that cardholders will only earn 0.4 mpd on other categories and spending below $1,000 and above $2,000 per statement month.
๐ธ Annual fee
$218
(First year waived)
๐ผ Income requirement
$50,000/year
๐ค Foreign currency fee
3.25%
โฐ Points expiry
2 years from transaction
๐ซฑโ๐ซฒ Transfer partners
KrisFlyer and Asia Miles
๐ฏ Transfer ratio
1 UNI$ = 2 miles
๐งฎ Transfer block
5,000 UNI$ (10,000 miles)
๐ฒTransfer fee
$25 per transfer
๐ค Points pooling
UNI$ from this card can be combined with those from other UOB cards and transferred out together at once.
โHow/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.
๐ Terms & conditions