Quick answer: The Trust Credit Card leads with up to 21% in Linkpoints savings at FairPrice Group outlets, which you can convert to miles or offset your bill. If you prefer pure cashback, the Citi Cash Back Card and Maybank Family & Friends Card both hit 8% on groceries. Miles chasers get up to 10 miles per dollar on the UOB Lady’s Card, while the Standard Chartered Simply Cash card runs a flat 1.5% with no cap and no fuss.
Browsing rather than buying today? Best Credit Cards in Singapore lays out all 33 guides in one place.
Trust Credit Card
The Trust Credit Card lives on your phone and rewards your FairPrice runs harder than almost anything else out there. You earn Linkpoints on every trip to FairPrice, FairPrice Finest and FairPrice Online, and the card stacks those points aggressively — up to 21% in savings, no less. Because it works as both a credit and debit card, you get instant cashback on non-grocery categories too, which is handy when you are grabbing lunch after the supermarket. No foreign transaction fees also makes this a quiet workhorse on trips across the Causeway. The app sorts repayment schedules neatly, so you never need to worry about timing.
Address: 77 Robinson Road #25-00 Robinson 77, Singapore 068896
Contact: +65 3138 7878 or in-app chat
Price signal: No annual fee
Website: https://trustbank.sg/credit-card/
This one clicks for anyone who does the bulk of their household shopping at FairPrice Group stores and wants to see real money come back fast. The Linkpoints system lets you convert into miles or just knock dollars off your spending, so it bends to whatever you value more — travel or everyday relief.
One more list: Top Credit Card Promotions in Singapore — if you want to know which cards are running offers right now.
One more list: Best Credit Card To Book Flights in Singapore — before the next set of air tickets goes on the wrong card.
Citi Cash Back Card
Citi Cash Back Card keeps things direct: spend on groceries, get a fat rebate. It gives you up to 8% cashback on supermarket purchases including NTUC FairPrice, which lands among the highest grocery rebates in town. Dining and petrol earn alongside it, and once you clear the minimum monthly spend the cashback flows faster. For a household that already moves a fair amount through the card each month, the maths works out nicely — especially if you consolidate your weekly shop, weekday lunches and the occasional full-tank fill-up onto one piece of plastic.
Address: 8 Marina View, #18-00 Asia Square Tower 1, Singapore 018960
Contact: +65 6224 5757
Price signal: Minimum spend per month to unlock full rate
Website: https://www.citi.com/credit-cards/savings-and-cash-back-credit-cards
Editorial round-up, not a directory listing. Missed someone worth knowing about? Send it our way.
If you want a card that quietly builds a meaningful sum from your grocery bill without thinking too hard about categories, this is the one to beat. It suits people who prize simplicity but still want a high ceiling on what they get back.
OCBC 365 Credit Card
OCBC 365 Credit Card hits a sweet spot if your money goes to more than just the supermarket. You get 3% cashback on local and online groceries — FairPrice trips tucked into your weekly rhythm — and that rate climbs when you meet minimum spending thresholds across dining, petrol and even EV charging. There is something quietly satisfying about plugging in the car and knowing the charge earns a little something back. Overseas spending runs uncapped, which is rare, so if your life includes regular weekends away or a habit of booking holidays online, the card keeps working where others pause.
Address: 65 Chulia Street, OCBC Centre, Singapore 049513
Contact: 1800 363 3333
Price signal: Minimum monthly spend for higher cashback tiers
Website: https://www.ocbc.com/personal-banking/cards/365-cashback-credit-card
Good for a working Singaporean whose card does weekday kopi, weekend FairPrice runs and the occasional overseas spend. It will not dazzle with headline numbers on groceries alone, but it rewards a real, rounded routine.
If you are weighing up how grocery cards compare with broader dining options, have a look at our Dining Credit Cards in Singapore round-up — some of these overlap nicely.
UOB Lady’s Card
UOB Lady’s Card lets you decide what you want to earn big on, which is why it shows up in a grocery conversation even though it was built for far more. Pick the Family category and every dollar at NTUC FairPrice earns you up to 10 miles — that works out to 25X UNI$, which is darn attractive if you are saving for a flight. No minimum spend to unlock that rate either. The categories shuffle across beauty, dining, fashion and more, so the card morphs around your season of life. One quarter you are piling up miles from groceries, the next from a string of family birthdays.
Address: 80 Raffles Place, UOB Plaza, Singapore 048624
Contact: 1800 222 2121
Price signal: Miles rate depends on category selection
Website: https://www.uob.com.sg/personal/borrow/personal-financing/personal-loan.page
The card makes a lot of sense for women who want the option to channel their FairPrice bill into their next holiday. It is also a natural fit if you already have UOB savings or loans; the ecosystem links up without much paperwork. For miles-focused spenders, we have also written about Elite Singapore&# ;s Premier Travel Credit Cards for — worth a look if you are building a bigger travel wallet.
Maybank Family & Friends Card
Maybank Family & Friends Card rolls 8% cashback on groceries into a package built around household spending. You pick five preferred categories — supermarkets obviously being one — and the card returns real money on the things your family actually uses. The monthly caps sit higher than many competitors, so a big FairPrice trolley full of school-lunch supplies and weekend barbecue ingredients earns nicely. What sets it apart is that the cashback rate works on Malaysian Ringgit spends too, which matters if your weekends involve Johor Bahru supermarket runs for things harder to find here.
Address: 2 Battery Road Maybank Tower Singapore 049907
Contact: 1800 629 2265
Price signal: High monthly cashback cap; minimum spend applies
Website: https://www.maybank2u.com.sg/en/personal/loans/personal-credit/index.page
Ideal for parents running a household account. The 8% on groceries feels like a small raise every month, and the card works hard across FairPrice, Sheng Siong and Cold Storage, so you are not locked into one chain.
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Standard Chartered Simply Cash Credit Card
Standard Chartered Simply Cash Credit Card does what the name says — cashback, no drama, no ceiling. You earn 1.5% on every dollar, everywhere, and that includes your FairPrice shop, the petrol station, the bill at the hawker centre you pay with the card terminal. There is no minimum spend to chase and no cap on what you can earn, so a heavy month and a light month get treated the same way. Promotions occasionally upsize the rate, and the card does not charge foreign transaction fees, which is a quiet bonus if you buy groceries online from overseas or travel often.
Address: Marina Bay Financial Centre, Tower 1, 8 Marina Blvd, #01 – 01, Singapore 018981
Contact: +65 6747 7000
Price signal: Flat 1.5%, no cap
Website: https://www.sc.com/sg/borrow/loans/cashone/
Pick this if you value mental bandwidth over chasing tiers. The rate is not the highest on groceries specifically, but the “set and forget” nature of the card means you always get something back, every single month, with zero fuss. For a broader look at cards that also cover online shopping, our Credit Cards for Groceries and Online Shopping in Singapore piece has more options.
Citibank SMRT Platinum Visa Card
Citibank SMRT Platinum Visa Card earns its keep on the daily commute and the supermarket sweep alike. You clock up to 5% in SMRT$ on groceries at NTUC FairPrice, plus online shopping and transport — MRT and bus rides included. The card ties your spending into one loop, so the same SMRT$ you build from a week of errands can offset your SimplyGo charges or the next round of groceries. There is a minimum spend to unlock the full rate, so it suits someone whose card already handles most of their monthly outgoings.
Address: Asia Square Tower 1, 8 Marina View, #21-00, Singapore 018960
Contact: +65 6224 5757
Price signal: Minimum monthly spend to unlock 5% rate
Website: https://www.citibank.com.sg/loans/
Perfect for a commuter who already spends heavily on transport and wants the same card to reward the weekly shop. The SMRT$ system ties everything back to transport savings, which feels satisfying if you see your EZ-Link deduction shrink each month. If OCBC Credit Cards in Singapore caught your eye earlier, the SMRT card occupies a similar niche for the transport-leaning spender.
How to choose
The right card depends on how much you spend at FairPrice each month and what you want back. Cashback cards like Citi Cash Back and Maybank Family & Friends return the most for heavy grocery spenders — 8% with a minimum spend, so they suit households that already put S$800 to S$1,000 through a card monthly. The Trust Credit Card edges ahead if you shop exclusively at FairPrice Group stores and value the Linkpoints ecosystem, where you can pivot between miles and rebates.
Miles collectors should look hard at the UOB Lady’s Card. Ten miles per dollar on groceries is rare, and the Family category means your FairPrice bill funds your next trip. The catch is you must actively select that category each quarter; if you forget, you leave value on the table.
Flat-rate cards like Standard Chartered Simply Cash suit a different psychology. The 1.5% looks modest next to 8%, but it has no ceiling, no minimum and no categories to manage. If your monthly grocery bill swings between S$300 and S$1,500 depending on family visits and festive cooking, a flat-rate card keeps its promise without punishing the quiet months.
Before applying, check the minimum spend required to unlock headline rates. A card promising 8% cashback may only deliver 0.3% if you do not meet the threshold. Run a quick estimate of your average three-month spending and see whether you naturally cross that line. Annual fees are another factor — some cards waive them with a minimum annual spend, so confirm that number matches your habits.
Comparison table
| Card | Grocery reward rate | Monthly minimum spend |
|---|---|---|
| Trust Credit Card | Up to 21% in Linkpoints savings | No minimum spend required |
| Citi Cash Back Card | Up to 8% cashback | Yes, for full rate |
| OCBC 365 Credit Card | 3% cashback, higher with tiers | Yes, for elevated tiers |
| UOB Lady’s Card | Up to 10 miles per S$1 (Family category) | No minimum spend for the miles rate |
| Maybank Family & Friends Card | Up to 8% cashback | Yes, for full rate |
| Standard Chartered Simply Cash | 1.5% unlimited cashback | No minimum spend |
| Citibank SMRT Platinum Visa | Up to 5% in SMRT$ | Yes, for full rate |
Summary
Trust Credit Card and UOB Lady’s Card lead for FairPrice shoppers chasing maximum rebates or miles respectively, though each demands a specific loyalty or category choice. Pure cashback seekers who spend heavily every month will find 8% on Citi Cash Back and Maybank Family & Friends hard to ignore, while the Standard Chartered Simply Cash card rewards you steadily with no hoops to jump through. Match the card to how you spend, and that weekly NTUC trip quietly builds into something worth having.
Disclaimer: All information provided here has been compiled from publicly available sources. While we have made every effort to ensure accuracy, we do not guarantee that the information is complete or error-free. Details including reward rates, minimum spends and annual fees can change. Please confirm directly with the card issuer before applying.
Frequently asked questions
Which credit card gives the highest cashback at NTUC FairPrice?
Citi Cash Back Card and Maybank Family & Friends Card both offer up to 8% cashback on groceries at NTUC FairPrice, subject to a minimum monthly spend. The Trust Credit Card operates differently — it delivers up to 21% in Linkpoints savings within the FairPrice Group ecosystem, which you can convert to offsets or miles.
Do I need to meet a minimum spend to earn rewards on these cards?
Most high-rate cards require a minimum monthly spend to unlock their full cashback or miles rate. The Standard Chartered Simply Cash card and the Trust Credit Card do not impose a minimum spend for their base rewards. Check the specific card terms — missing the threshold can drop the grocery rate significantly.
Can I earn air miles on NTUC FairPrice purchases?
Yes. The UOB Lady’s Card lets you earn up to 10 miles per S$1 (25X UNI$) on groceries when you select the Family category, with no minimum spend required. The Trust Credit Card Linkpoints can also be converted to KrisFlyer miles, giving you a flexible route when your FairPrice bill funds your next trip.
Are there cards that reward FairPrice spending without category tracking?
The Standard Chartered Simply Cash Credit Card pays a flat 1.5% cashback on all eligible spends, including groceries at NTUC FairPrice, with no cap and no categories to select. This works well if your spending varies month to month and you do not want to monitor tiers.
Which card is best for a household that shops at FairPrice and also commutes daily?
The Citibank SMRT Platinum Visa Card earns up to 5% in SMRT$ on both groceries at NTUC FairPrice and MRT or bus rides. The rewards loop into transport spending, so your weekly shop directly offsets your travel costs.
Do any of these cards charge foreign transaction fees on overseas FairPrice online purchases?
The Trust Credit Card and Standard Chartered Simply Cash Credit Card both waive foreign transaction fees, which helps if you order from FairPrice Online while overseas. Most other cards in this list charge a fee; confirm the current rate with the issuer before you buy.
