5 Finest Credit score Playing cards for Groceries: NTUC, Sheng Siong, Chilly Storage & Large (2021)

Saving cash on groceries conjures up photos of aunties aggressively clipping grocery coupons within the newspapers or travelling an additional 7km simply to buy at Sheng Siong as a substitute of NTUC FairPrice. In different phrases, it’s troublesome, unglam and, for many of us, probably not well worth the effort simply to get 5 cents off prompt noodles.

It’s a lot simpler to simply use a bank card that will provide you with an honest cashback price on groceries. Right here’s an inventory of playing cards you should use in your subsequent journey to the grocery store (or on-line groceries order).

5 greatest bank cards for groceries in Singapore (2021)

Grocery store chain	Finest cashback bank card
NTUC FairPrice	OCBC Plus! Card
Sheng Siong	POSB On a regular basis Card
Chilly Storage & Large	UOB One Card
All supermarkets	Citi Money Again Card, Maybank Household & Mates

1. Finest NTUC FairPrice bank card: OCBC Plus! Card

The “official” NTUC FairPrice bank card is the NTUC Plus! Card, however it’s strictly for die-hard followers solely.

It does supply a beautiful 12% off NTUC FairPrice, Unity and Warehouse Membership purchases, however that’s solely in case you are a paying union member, credit score your wage to NTUC-OCBC Starter Account, and spend a minimum of $400 outdoors of those 3 retailers.

All these situations make me wish to simply go store at Sheng Siong as a substitute. However there’s a manner out — the OCBC Plus! Card.

It’s much like the NTUC Plus! Card however with fewer hoops to leap by way of.

The one main situation is that you might want to spend a minimum of $500 outdoors of NTUC FairPrice to qualify for rebates. In case you are keen to do this, it helps you to earn 7% rebates for in-store purchases and three% for FairPrice on-line purchases, which remains to be not dangerous.

Should you’re not keen to fulfill that minimal spending requirement, go for one of many generic grocery bank cards under.

2. Finest Sheng Siong bank card: POSB On a regular basis Card

Simply if you thought you have been being cheapo sufficient by purchasing at Sheng Siong, you discover out you could save much more cash — not by purchasing someplace even cheaper, however by paying with the POSB On a regular basis Card.

The cardboard provides you a really first rate 5% money rebate if you store at Sheng Siong with no minimal spending requirement. That is capped at $30 a month.

The POSB On a regular basis Card additionally provides you additional rebates for those who consolidate your spending at hit a minimum of $800 in a calendar month. You will get 10% cashback on meals supply, 5% on chosen on-line purchasing websites and three% on eating; capped at $15 per class.

3. Finest Chilly Storage & Large bank card: UOB One Card

The UOB One Card is an all-purpose cashback card that provides you a flat cashback quantity each quarter relying on which spending tier you hit.

In a nutshell, you obtain cashback of $300/$100/$50 on the finish of 1 / 4 for those who’ve managed to spend a minimum of $2,000/$1,000/$500 for each month within the quarter. That works out to a most cashback price of 5%/3.33%/3.33% respectively.

However for those who proceed to spend in any of the classes after hitting the minimal spending requirement, your cashback price falls. Worst of all, neglect to make use of your card for one month and also you get zero cashback for your entire quarter.

Now that that’s out of the way in which, right here’s the excellent news: UOB One presents an extra 5% cashback at Chilly Storage, Large, Market Place, 7-11 and Guardian. That’s on high of the three.33% or 5% you already get.

In an effort to get your palms on that extra cashback, you’ll need to qualify for a minimum of one of many cashback tiers, so you should definitely consolidate your spending and cost them to your card each single month in 1 / 4.

4. Good for all supermarkets: Citi Money Again Card

If not one of the above playing cards attraction to you otherwise you are inclined to do your groceries at a couple of grocery store chain, choosing a generic cashback card like Citi Money Again Card could make life lots much less complicated.

The Citi Money Again Card presents 8% cashback at supermarkets and grocery shops worldwide. As well as, you additionally get 6% cashback when eating at eating places and cafes, and as much as 20.8%% gas financial savings at Esso and Shell.

The minimal spending requirement of $800 per thirty days is on the excessive aspect, contemplating how few issues you should use this card on. However for those who drive, eat out lots and have a family with many mouths to feed, you may end up spending far more than $800. “Thank God” for Singapore’s excessive price of residing, eh?

5. Good for all supermarkets: Maybank Household & Mates Card

This underrated card is definitely some of the beneficiant and most helpful ones on the market.

You get 8% cashback on a complete lot of necessities, together with groceries in addition to eating/meals supply, transport (together with petrol, trip hailing and public transport), information communication/on-line TV streaming (together with your cell/web plan or cable TV subscription) and some chosen pet/retail shops.

If any of the above don’t apply to you, you possibly can swap out the default classes for 3 different selections — on-line style, leisure and pharmacies — on the Maybank app. The utmost is 5 classes.

Just like the Citi Money Again Card, the minimal spending requirement on this bank card is $800. It’s a bit excessive, however you shouldn’t have any hassle consolidating because it covers absolutely anything that you may presumably wish to spend on on this pandemic.

Bonus: MoneySmart recommendations on grocery purchasing

No, we received’t ask you to start out excessive couponing. However you ought to be doing the next to get higher worth out of your grocery runs:

Bear in mind to carry alongside your grocery store loyalty card: No level in having it for those who don’t use it! Learn concerning the varied grocery store loyalty programmes right here.

Keep secure whereas purchasing and choose to go throughout off-peak hours: Why jostle with the aunties if you don’t need to? Should you make money working from home, nip off to the grocery store within the afternoon, or do a late-night grocery run at an outlet that opens until midnight or 24-hours.

Purchase your groceries on-line the place potential: Many bank cards provide you with cashback for on-line groceries in addition to offline. Take that chance to remain house and use on-line grocery supply and on-demand providers to avoid wasting effort and time.

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