Quick answer: The DBS Live Fresh Card gives 5% online and payWave cashback, Trust Link Credit Card delivers up to 15% for NTUC members, Citi Cash Back Card offers 6% on groceries, and the POSB Everyday Card keeps it simple with never-expiring rebates. The right one depends on whether you shop mostly online, how much you spend each month, and if an NTUC membership is part of your life.
Want to compare across the whole category? That is what Best Credit Cards in Singapore is for — 33 guides in total.
If you’re already stopping at FairPrice a few times a week – and honestly, who isn’t – swiping the right card turns those regular trips into something a little more shiok. Not just loyalty points that gather dust, but actual cashback that lands right when you need it. Here are seven cards that can make your grocery run pay you back.
DBS Live Fresh Card
This one is for the person who buys their groceries online, taps their phone at the cashier, and quietly wants their money to do a bit of good on the side.
The DBS Live Fresh Card puts 5% cashback on online and payWave spends, which naturally covers FairPrice online and any contactless payment at the physical store. Hit an S$800 monthly spend and you’ll see up to S$60 in rebates each cycle. What often gets overlooked is the little eco-friendly nudge – DBS ties the card to a tree-planting initiative, so your weekly restock contributes to something beyond your fridge.
It suits the digitally-savvy type who already pays by phone and wants a card that works quietly in the background, rewarding habits they already have.
Address: 712A Ang Mo Kio Ave 6, #01-4066, Singapore 561712
Phone: 1800 111 1111
Hours: Branches typically 9:00am–4:30pm weekdays; 24/7 phone support
Website: DBS Bank
Trust Link Credit Card
If you’re an NTUC Union member, this card is a bit of a no-brainer. Even if you’re not, it still pulls its weight better than most.
Trust Bank’s Link Credit Card dishes out up to 15% rebate at FairPrice for Union members who chalk up S$350 in other monthly spends. Non-members still get up to 5% with a S$200 spend floor – and the Linkpoints tick up without any cap. No foreign transaction fees, no cash advance charges, and you can tweak your repayment date. It’s a card that cuts out typical banking friction, which in itself is a kind of reward.
For anyone who already shops hard at FairPrice and has their Union card tucked in their wallet, this is the one that makes the most of that relationship. The online‑centric service means you handle everything through an app, so there’s no branch to visit.
Nothing on this page is a paid placement. If you know a place that should be here, let us know before the next update.
Address: 77 Robinson Road, #25-00 Robinson 77, Singapore 068896
Phone: +65 3138 7878
Hours: 24/7 phone support; online-focused service
Website: Trust Link Credit Card
For an even sharper look at how these cards unlock rewards at FairPrice, see Elite Credit Cards to Unlock Lavish Rewards at NTUC FairPrice for Savvy Singaporeans.
Citi Cash Back Card
Some cards make you jump through hoops. This one is straightforward – spend on groceries, eating out, and petrol, then watch the cashback roll in faster than many others.
The Citi Cash Back Card offers up to 6% on groceries – FairPrice included – when you hit an S$800 monthly spend. The monthly cap is S$80, which is enough to cover a solid portion of your regular basket. Dining and fuel also earn at the same clip, so a single card can handle a big chunk of your outings without you having to split your spending across six different wallets.
If you want a clean, high-percentage rebate without memorising categories or quarterly cycles, this is your card. The reward fulfilment is also quicker than many, which means less waiting for your savings to show up.
Address: 8 Marina View, #18-00 Asia Square Tower 1, Singapore 018960
Phone: +65 6224 5757
Hours: 24/7 phone support
Website: Citi Cash Back Credit Card
UOB One Card
This card rewards consistency. If you know roughly how much you spend each month and you can stick to it, the returns stack up nicely.
UOB One gives tiered cashback: spend S$500, S$1,000, or S$2,000 a month and you’ll unlock up to 8% on groceries – FairPrice included – plus rebates on Grab, Shopee, and other daily stuff. The yearly cap sits at S$2,240, so even moderate spenders can hit a meaningful number by year-end. It’s less about short bursts and more about building a steady rhythm.
Best for someone who budgets well and wants one card to cover groceries, transport, and online shopping all at once. The tiered system means you’ll want to pick a level you can hit reliably without overstretching.
Address: 50 Jurong Gateway Road, #02-15 JEM, Singapore 608549
Phone: 1800 222 2121
Hours: Branches typically 9:30am–4:00pm weekdays; 24/7 phone support
Website: UOB
Maybank Family & Friends Card
If your weekend plans often involve a trip across the Causeway, this card quietly does double duty – giving you more at FairPrice and even more when you spend in Malaysia or Indonesia.
You pick five categories – groceries being the obvious one – and earn up to 8% cashback on them with an S$800 monthly spend and a S$150 monthly cap. The cross-border perk bumps your rebates for spending in MYR and IDR, which is handy if you regularly fill the boot in Johor or shop online from Indonesian sites. It’s a card that acknowledges some Singaporean families live between two places.
Ideal for families who want to tailor their cashback to exactly where their money goes, especially if groceries and regional spending dominate the monthly bill.
Address: 2 Battery Road, Maybank Tower, Singapore 049907
Phone: 1800 629 2265
Hours: Branches typically 9:15am–4:45pm weekdays; 24/7 phone support
Website: Maybank Singapore
HSBC Visa Platinum Credit Card
Some people prefer quarterly targets over monthly ones – the pace feels less rushed. This card works that way, with a clean 5% rebate on groceries, dining, and fuel every three months.
Spend S$600 a month and you earn 5% cashback on those three categories, capped at S$250 per quarter. The cap might look modest, but it’s enough for a household that doesn’t go overboard. A two‑year annual fee waiver is baked in, and the card also covers online grocery platforms – FairPrice online included – so you don’t lose out when you order from the sofa.
Good for a measured spender who wants to know exactly what they’ll get back each quarter without complicated tier calculations. The lower minimum spend also makes it accessible for smaller households.
Address: Branches island-wide; check the HSBC branch locator online
Phone: +65 6227 8889
Hours: Branches typically 9:30am–4:00pm weekdays; 24/7 phone support
Website: HSBC Singapore
POSB Everyday Card
Not everyone swears by one supermarket chain. If your route includes Sheng Siong one day, Redmart the next, and the odd Cold Storage dash, this card follows you without fuss.
The POSB Everyday Card gives up to 5% cash rebate at a spread of supermarkets, including Sheng Siong and online at Redmart, and the best bit is the rebates never expire. It also covers dining, transport, utilities – basically the stuff that shows up on your bill month after month. There’s no stated minimum spend for the grocery rebate, which makes it forgiving when your spending dips.
A solid everyday companion for the person who wants a card that just works across the board, without needing to track tiers or expiry dates. If you value flexibility over chasing the highest possible rate, this one fits.
Nothing on this page is a paid placement. If you know a place that should be here, let us know before the next update.
Address: Blk 712A, Ang Mo Kio Avenue 6 #01-4066, Singapore 561712
Phone: 1800 339 6666 (overseas +65 6339 6666)
Hours: Branches typically 9:00am–4:30pm weekdays; 24/7 phone support
Website: POSB
If you’re thinking bigger than groceries and want cards that open doors to travel and luxury, Singapore&# ;s Pinnacle of Prestige is another list worth your time.
How to choose
A few things separate these cards in real life. First, your NTUC membership status. If you hold a Union card, the Trust Link Credit Card’s 15% rebate dwarfs almost everything else, provided you can meet the S$350 external spend. Without membership, that drops to 5%, so the field quickly levels.
Next, think about your preferred FairPrice format. DBS Live Fresh only gives the 5% on online and payWave – fine if you order through the app or tap at the counter, but not if you still use chip-and-PIN. Citi Cash Back, UOB One, Maybank Family & Friends, and HSBC Visa Platinum treat all grocery transactions equally, whether you key in a PIN or pay touch-free. POSB Everyday covers a wider set of supermarkets, so it’s less about FairPrice specifically and more about your total basket across chains.
Minimum spend is the gatekeeper that trips people up. If your monthly credit card bill rarely crosses S$600 or S$800, the HSBC or POSB cards become much more attractive because their barriers are lower or simply not there. The DBS and Citi cards need that S$800 threshold; UOB One asks for S$500 at minimum but gives much thinner cashback at that tier.
Finally, look at how cashback is structured. Quarterly caps, like HSBC’s S$250 every three months, suit someone who plans in chunks. Monthly caps, like Maybank’s S$150, reward consistent high spending. POSB’s never-expiring rebates are the most relaxed – your money sits waiting however long you take.
| Card | Cashback on FairPrice | Minimum Monthly Spend | Cap | Standout Extra |
|---|---|---|---|---|
| DBS Live Fresh | 5% (online & payWave) | S$800 | S$60 per month | Tree‑planting initiative |
| Trust Link Credit Card | Up to 15% (Union), 5% (non-union) | S$350 external (Union), S$200 (non-union) | Unlimited Linkpoints | No foreign transaction or cash advance fees |
| Citi Cash Back Card | 6% on groceries | S$800 | S$80 per month | Faster reward fulfilment |
| UOB One Card | Up to 8% on groceries | S$500–S$2,000 (tiered) | S$2,240 per year | Rebates on Grab, Shopee |
| Maybank Family & Friends Card | Up to 8% on groceries (if selected) | S$800 | S$150 per month | Higher rebates on MYR/IDR spends |
| HSBC Visa Platinum | 5% quarterly rebate on groceries | S$600 | S$250 per quarter | Two‑year fee waiver |
| POSB Everyday Card | Up to 5% at select supermarkets | No stated minimum for grocery rebate | No expiry; no stated cap | Covers dining, transport, utilities |
Summary
The right FairPrice card turns your weekly shop into something that actively puts money back. If you’re a Union member, go straight for the Trust Link Credit Card. For online‑first shoppers, DBS Live Fresh keeps it simple. The Citi Cash Back and UOB One cards reward steady, higher spending, while the Maybank and HSBC options add useful regional and quarterly twists. And if you just want a card that works across many supermarkets without chasing minimums, the POSB Everyday Card is always steady.
Disclaimer: All details are gathered from publicly available information and were current at the time of writing. Rates, minimum spends, and caps can change – always confirm directly with the card issuer before applying.
Frequently asked questions
Which credit card gives the highest cashback at FairPrice?
The Trust Link Credit Card offers up to 15% rebate for NTUC Union members who meet the external spend condition. For non-members, it goes up to 5%, which still competes well.
Do I need to be an NTUC member to earn rebates at FairPrice with these cards?
Only the Trust Link Card ties the highest rate to Union membership. All other cards on this list reward every shopper based on spending tiers or category choices, no membership needed.
How much do I need to spend monthly to get the best cashback?
It varies – DBS Live Fresh and Citi Cash Back need S$800, UOB One starts at S$500 but top rates only come at higher tiers, while POSB Everyday doesn’t state a minimum for its grocery rebate. Check each card’s conditions carefully.
Are there any cards with no minimum spend requirement?
The POSB Everyday Card does not specify a minimum spend for its up to 5% grocery rebate, and the cashback never expires. That makes it forgiving when your monthly bill fluctuates.
Can I use these cards at FairPrice online and in-store?
Yes. DBS Live Fresh specifically rewards online and payWave transactions, while cards like Citi Cash Back and UOB One count all grocery purchases regardless of how you pay. HSBC Visa Platinum covers online grocery platforms too.
Which card is best for frequent travellers who also shop at FairPrice?
The Maybank Family & Friends Card gives extra cashback on Malaysian and Indonesian spending, so it’s a natural pick if your family regularly crosses the border for shopping or visits.
