Which credit card pays the most on groceries in Singapore?
Of the cards whose terms were read off the issuer, CIMB Visa Signature (CIMB) publishes the highest rate on groceries in Singapore: 10.00% (at most SGD 20 back a month; needs SGD 800 a month on the card first; the terms say: On grocery and supermarket transactions (including online), subject to S$800 monthly minimum spend to receive full 10% (otherwise 0.2% applies).; no annual fee). This is a ranking of published rates, not a recommendation to apply.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
3 read cards · Singapore · groceries
The answer, from 3 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 10.00% | CIMB Visa SignaturecheckedCIMB · no annual fee · checked 17 Sep 2026at most SGD 20 back a month; needs SGD 800 a month on the card first; the terms say: On grocery and supermarket transactions (including online), subject to S$800 monthly minimum spend to receive full 10% (otherwise 0.2% applies). |
| 2 | 6.00% | Citi Cash Back CardcheckedCitibank · SGD 196.20 a year · checked 12 Sep 2026at most SGD 80 back a month; needs SGD 800 a month on the card first |
| 3 | 3.00% | OCBC 365checkedOCBC · SGD 196.20 a year, waived above SGD 10,000 of spending a year · checked 17 Aug 2026at most SGD 160 back a month; needs SGD 800 a month on the card first |
Rates on part of groceries
These read cards pay on groceries only at the places named. They are not ranked above, because the number is not what the card pays on groceries anywhere else.
| Return | Card |
|---|---|
| 5.00% | DBS yuu CardcheckedDBS · SGD 196.20 a year · checked 18 Sep 2026only at Cold Storage, Giant and other yuu grocers; the terms say: Cold Storage, CS Fresh, Jasons Deli, Giant, Giant Hypermart and Giant Express. Base 0.5% plus the 4.5% bonus that needs no minimum spend. |
The right card depends on what you have already spent.
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.
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