As of late, there are solely two methods to get low-cost groceries. The primary is with an optimized bank card. The second includes screaming “I assumed it was a free pattern“, after which sucking in sharp breaths of air until the chubby safety guard will get off you. And should you’re like me, you like to maintain life unexciting in some regards. So right here’s the three greatest bank cards for grocery purchasing in Singapore:
1. Citi Money Again Card
Previously often known as the Citibank DIVIDEND Card, probably the most traditionally in style bank cards, the Citibank Money Again Card underwent just a little little bit of a hunch within the face of extraordinarily stiff competitors within the cashback class. Nevertheless, it has come again stronger than ever, with a whopping 8% cashback throughout petrol, eating and grocery classes.
Listed here are a number of the key options of the cardboard:
- Petrol: Financial savings of as much as 20.88% at Esso, as much as 20.8% at Shell and eight% money again in any respect different petrol stations
- Grocery: 8% money again in any respect supermarkets and grocery shops worldwide
- Eating: 8% money again in any respect eating places, cafes, meals and beverage retailers globally
- All different retail spend: 0.25% money again
The cardboard requires a minimal spend of $888 in complete every month so that you can earn the 8% cashback. Versus another bank cards that require a minimal spend inside a particular cashback class, this card simply takes your complete spend, after which applies the 8% cashback throughout all 3 classes. So should you’re searching for extra than simply the perfect bank card for groceries, this can be a nice bank card to make use of as your major card, or for the household. Do take observe that there’s a $25 money again cap on every class spend although.
If you’re within the Citibank Money Again Card, you possibly can apply right here.
2. UOB Delight Card
The grocery store scene in Singapore may be very aggressive, with giant chains vying for high spot. Luckily, bank cards just like the UOB Delight Card offers you an identical cashback rebates of as much as 8% at each Chilly Storage and Large. Not solely that, however you additionally get reductions at Chilly Storage’s extra atas cousins, Jasons, Market and Guardian.
What’s extra, on Thursday 30 November 2017, you may get an extra 4% rebates at Guardian shops and Guardian on-line. That’s as much as 12% rebates!
Different advantages embody:
- 10% reductions for over 4,000 housebrand merchandise at Chilly Storage, Large and Guardian
- As much as 3% cashback rebates for transactions made utilizing Visa payWave, NETS FlashPay Auto High-Up and chosen recurring transactions.
Though you’d need to cost a minimal quantity of $800 a month on the cardboard to qualify for the 8% SMART$ rebate, it’s a fairly simple goal to hit contemplating it’s not restricted to any classes of spend. The dearth of existence of caps on rebates from SMART$ Retailers like Chilly Storage, Large, Jasons, and Market additionally means you should purchase a vast quantity of groceries.
If you’re within the UOB Delight Card, you possibly can apply right here.
3. BOC Sheng Siong Card
A brand new contender on our listing, the BOC Sheng Siong Card gives you as much as 12% money again for all of your grocery purchasing at Sheng Siong. This is made up of: the fundamental 7% straight rebate, and an extra 5% should you’ve spent a minimal $400 on retail gadgets.
Do take observe that the extra 5% ONLY applies to the quantity you spend in your grocery purchasing at Sheng Siong and never anything. So that you’ll have to spend $400 on this card outdoors of Sheng Siong simply to attain that extra 5% rebate. You could think about using these retail {dollars} on one other devoted purchasing card as an alternative.
Successfully, this card solely affords you a 7% rebate. Nevertheless, with no minimal spend, and a increased money again cap of $70, it’s undoubtedly value contemplating.
Meaning you’ll have the next quantity of $1,000 to spend on groceries each month earlier than you exceed their money again cap. And since you’ll get extra 5% rebates off Uber/Seize/Taxi rides should you charged $400 or extra to your card… This makes a good devoted groceries card should you’re spending between $400-$1000 each month on groceries.
One different characteristic is the 1% cashback you possibly can earn on all abroad transactions with no minimal spend and no cap.
Pay It in Full
Observe that the benefits right here solely matter should you pay the invoice in full, earlier than the billing cycle ends. Like most bank cards, these have an rate of interest of 24% each year. The reductions and freebies won’t ever make up for that.
For recommendations on bank card spending, observe us on Fb.
What playing cards do you employ for groceries? Remark and tell us!
Picture Credit:
Shiny Issues
