2023 Edition: Best Credit Cards for Supermarkets

Earn up to 6 mpd or 18% rebates on your monthly groceries bill when you use the right cards at supermarkets.

Grocery shopping isn’t particularly glamorous, but it can be a highly reliable recurring source of miles. And with certain cards offering up to 6 mpd at supermarkets, there’s plenty of opportunities to turn your monthly marketing into your next vacation.

In this post, we’ll cover the best cards to use for this category of purchases, as well as some potential pitfalls to take note of. 

💳 What’s the Best Card for…
This guide forms part of the “best card” series. Check out other category specific guides below, or the overall guide here.
✈️ Air Tickets
💗 Charity 🚗 Car Purchase
🍽️ Dining
🏫 Education🥡 Food Delivery
🏥 Hospitals🏨 Hotels
☂️ Insurance
Petrol🚍 Public Transport🛒 Supermarkets
🚰 Utilities

How do supermarkets code?

All major supermarkets in Singapore will code as MCC 5411: Grocery Stores, Supermarkets, including:

  • Cold Storage
  • Don Don Donki
  • Giant
  • Hao Mart
  • Jasons Deli
  • Little Farms
  • Market Place
  • Meidi-Ya
  • NTUC FairPrice (and subsidiary brands like FairPrice Finest, FairPrice Xtra)
  • Prime Supermarket
  • Ryan’s Grocery
  • Sheng Siong

If in doubt, you can easily look up the MCC before making a purchase with the following tools: 

MethodEase of UseReliability
HeyMax●●●
📱 Instarem app●●●●
🤖 DBS digibot
●●●

Buying groceries online

If you do your grocery shopping online, the following cards will earn you 4-6 mpd, subject to the caps shown below.

🛒 Best Cards for Groceries
(Online)
CardEarn RateRemarks
UOB Lady’s Card
Apply
6 mpdMax S$1K per c. month. Must choose Family as bonus category
Review
UOB Lady’s Solitaire
Apply
6 mpdMax S$3K per c. month. Must choose Family as bonus category
Review
Citi Rewards
Apply
4 mpdMax S$1K per s. month
Review
DBS WWMC
Apply
4 mpdMax S$2K per c. month
Review
HSBC Revolution
Apply
4 mpdMax S$1K per c. month
Review
UOB Pref. Plat. Visa
Apply
4 mpdS$1.1K per c. month
Review

Buying groceries in-store

If you do your grocery shopping in-store, the following cards will earn you 4-6 mpd, subject to the caps shown below.

🛒 Best Cards for Groceries
(In-Store)
CardEarn RateRemarks
UOB Lady’s Card
Apply
6 mpdMax S$1K per c. month. Must choose Family as bonus category
Review
UOB Lady’s Solitaire
Apply
6 mpdMax S$3K per c. month. Must choose Family as bonus category
Review
Amaze + Citi Rewards
Apply
4 mpdMax S$1K per s. month
Review
HSBC Revolution
Apply
4 mpd*Max S$1K per c. month
Review
UOB Pref. Plat. Visa
Apply
4 mpd^S$1.1K per c. month
Review
UOB Visa Signature
Apply

4 mpd*
S$1-2K per s. month on contactless spending
Review
*Must use contactless (tap card or use mobile payments)
^Must use mobile contactless (mobile payments)

UOB$ merchants

If you’re spending with a UOB credit card at Cold Storage, Giant, Jasons Deli or Market Place, then some special caveats apply.

These supermarkets are part of the UOB$ programme, which awards cashback in lieu of UNI$. What this means is that you won’t earn any miles here, or a reduced number of miles, depending on which card you have.

CardEarn Rate at Cold Storage, Giant, Jasons Deli, Market Place
UOB Lady’s Card
Apply
5.6 mpd
UOB Lady’s Solitaire
Apply
5.6 mpd
UOB Pref. Plat. Visa
Apply
None
UOB Visa Signature
Apply

3.6 mpd
Assumes you select Family as your quarterly bonus category (UOB Lady’s Card, UOB Lady’s Solitaire), or use contactless payments (UOB Visa Signature).

For a full explanation of why this is, refer to the post below (it was written before the UOB Lady’s Cards earn rates were upsized to 6 mpd, so it assumes a 4 mpd earn rate in those cases, but the information is otherwise correct).

Confirmed: UOB$ merchants qualify for bonus miles with UOB cards

Fortunately, there are some easy workarounds that will allow you to earn the full amount of miles, such as pairing your UOB Lady’s Card or UOB Lady’s Solitaire Card with Amaze, or shopping online. 

Workarounds: How to earn miles at UOB$ merchants with UOB cards

Limited-time: DBS yuu alternative

Even though we’re focusing on miles in this article, it’d be strangely amiss not to give a shout out to the DBS yuu Card and its 36 yuu Points per S$1 spent at Cold Storage and Giant, equivalent to an 18% rebate. 

PointsRemarks
 Base 
10 points per S$1 spent
  • No min spend
  • No cap
 Bonus 
26 points per S$1 spent 

This requires a minimum spend of S$600 (which can be on any retail transactions, not just Cold Storage and Giant), and the 18% rebate is capped at S$78 per calendar month.

It’s been confirmed that yuu Points will also be earned on grocery voucher purchases, so that’s another option if you fall short of the minimum spend.

So should you take 4-6 mpd, or 18% rebates? Well, for you to choose miles, you’d need to value a mile at  3-4.5 cents each, which I think is a bit on the high side.

Therefore, I think most people would be better off taking the yuu Points, at least until the upsized earn rate lapses on 29 February 2024. 

Conclusion

By using the right credit cards at supermarkets, you could earn up to 6 mpd on your grocery bill each month. UOB cards offer the highest return, but do take care because of the unique circumstances surrounding UOB$ merchants like Cold Storage or Giant

There’s also an opportunity to earn up to 18% rebates with the DBS yuu AMEX and DBS yuu Visa up till 29 February 2024, which may prove even more attractive than miles for some.

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Liu

How about the trust card used in NTUC?

ast

Are payments made through the Fairprice app (scan QR at supermarket and kopitiam) considered online spend for the DBS WWMC?

anon

Trust Fairprice not there

yzs

Doesn’t the (Amaze +) Citibank Rewards card also belong under online grocery options?

KH

Trust card easily beats the competition for grocery shopping with its 21% rebate. The only drawback is that you need to clock $350 (NTUC member) of non Fairprice transactions per month which pays very low rebates.

Joshua

If I chose family and food categories for Ladies card, and I made groceries purchases at NTUC and food purchases at Kopitiam but use the Fairprice app to scan QR code for payment linked to Ladies card. Do I get 6mpd?

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