Quick answer: If your grocery bill makes you wince and your online cart is always full, a rewards card that punches above its weight makes a real difference. The DBS yuu Visa Card goes hard with up to 18% cashback at Cold Storage and Giant. For a no-annual-fee, set-and-forget 10% on both categories, the CIMB Visa Signature is steady. Mile collectors, meanwhile, love the Citi Rewards and DBS Woman’s World Card for 4 miles per dollar online. The right card for you depends on where you spend and how you like your rewards—straight cashback or travel upgrades.
Choosing a credit card for groceries and online shopping comes down to two numbers: your typical monthly spend and the reward rate the card returns on that spend. Some cards reward you for concentrating your spending, others offer steady cashback without minimums. The real choice is how you prefer to receive value—immediate cashback, travel miles, or flexible points. Each card here works on a distinct mechanism, and we’ll explain it so you can decide with confidence.
Part of Best Credit Cards in Singapore: 33 guides covering this ground, for the wider view before you choose.
DBS yuu Visa Card
What it does: delivers up to 18% cashback at yuu-affiliated grocers like Cold Storage and Giant, including when you order through their apps. No minimum spend is needed for base rewards—even a quick top-up for milk and eggs earns something back.
Why it worth the trip to your phone’s banking page: the cashback piles up inside the yuu ecosystem and you can spend it like cash at those same shops. It takes the sting out of weekly supermarket runs, which in Singapore is practically a utility bill by now. If your pantry staples mostly come from these chains, this card is a very direct way to soften that line in your budget.
Branch: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982 (Mon-Fri, 9:30am-4:00pm). Phone: +65 6878 8888. Annual fee: check with DBS. DBS yuu Visa Card
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
It’s ideal if you already frequent Cold Storage, Giant, or Guardian, because the cashback loops into your next basket. The real benefit is for smaller, frequent top-ups—you earn something even on a S$10 purchase. No need to track tier thresholds. The ecosystem lock-in keeps your rewards working inside shops you already visit.
CIMB Visa Signature Card
This one is fuss-free. 10% cashback on groceries, online shopping, beauty & wellness, pet shops, and cruises, with a monthly cap of S$100. The real kicker: annual fee zero for life, so all the reward stays yours.
It suits someone who wants high cashback without tracking minimum spend tiers or remembering to call for a waiver. You tap, you earn, you move on. The category list covers a fair bit of daily life, and the cap is generous enough for a moderate household.
Branch: 50 Raffles Place, #09-01 Singapore Land Tower, Singapore 048623 (Mon-Fri, 9:00am-6:00pm). Phone: +65 6333 7777. Annual fee: S$0 (waived for life). CIMB Visa Signature Card
If you eat out a lot alongside your online shopping, you might want to peek at our list of Dining Credit Cards in Singapore—some of them stack cashback in ways that pair nicely with a card like this.
This card suits someone who wants a flat, predictable return without keeping an eye on tiered spend or calendar-based promotions. The zero annual fee means the real cashback rate stays undiluted year after year. If your monthly grocery and online spending fits comfortably within the S$100 cap, it simply hums along in the background.
Citi Rewards Card
If you’re the type who sees every dollar as a potential mile towards your next escape, this card awards 10X ThankYou points on online spends, including grocery deliveries—that’s 4 miles per S$1. It really accelerates your stash when you do most of your shopping through a screen.
You’re not locked into miles either. Points can be swapped for vouchers or premium gifts from a deep catalogue. The conversion rates are competitive, and the online spend category catches a lot: RedMart runs, Lazada hauls, food delivery—it all counts. For the digitally-inclined, this is the one that makes every click feel productive.
Branch: 8 Marina View, #18-00 Asia Square Tower 1, Singapore 018960 (Mon-Fri, 9:30am-3:30pm). Phone: +65 6225 5225. Annual fee: check with Citibank. Citi Rewards Card
For a wider look at turning spending into air tickets, our guide on Credit Cards for Airline Miles in Singapore breaks down the whole category.
It’s a points accelerator for the online-heavy spender. The key is that you must do your grocery shopping via a delivery platform, not in-store, to unlock the high earn rate. For someone building miles for a specific redemption, the Citi Rewards Card converts everyday online routines into meaningful progress without added effort.
Maybank Family & Friends Card
You get to choose your categories for 8% cashback, which is the big selling point. Load up on groceries (including online grocery platforms), then throw in dining or transport as your other pillar. The monthly cap is S$150, which handles a decent grocery-and-grab spend without breaking a sweat.
It feels like tailoring a shirt—you decide where the benefit lands. If your household doesn’t fit neatly into a fixed-category card, this flexibility is worth a lot. There are even small perks on foreign currency spends if you occasionally order from overseas sites.
Branch: 2 Battery Road, Maybank Tower, Singapore 049907 (Mon-Fri, 9:15am-4:45pm). Phone: +65 6533 5229. Annual fee: check with Maybank. Maybank Family & Friends Card
And if your online shopping habit extends to furniture and home, our list of Online Furniture Shops in Singapore might inspire your next big-ticket purchase—just make sure you’re earning miles or cashback while you’re at it.
This card gives you control over where the cashback lands, which is useful if your spending shifts between categories month to month. The S$150 cap handles a solid family grocery bill plus other essentials. It works best when you review your chosen categories every quarter to make sure they still match your household’s rhythm.
UOB One Card
This card works on a tiered cashback system—the more you spend in a month (within structured tiers), the higher your cashback rate climbs, all the way up to 10% on groceries, online purchases, and daily essentials. If you pair it with a UOB savings account, you unlock amplified perks, so it rewards consolidating your banking.
It suits someone who is disciplined about channelling most of their household spending through one card and likes hitting a target. The jump in cashback at higher tiers is damn shiok when you see the statement credit. Just make sure your typical monthly spend aligns with the tiers so you’re not overstretching just to chase a rate.
Branch: 80 Raffles Place, UOB Plaza, Singapore 048624 (Mon-Fri, 9:30am-4:00pm). Phone: +65 6222 2121. Annual fee: check with UOB. UOB One Card
The UOB One Card rewards spending discipline. If you already channel most of your household expenses—utilities, groceries, petrol—through a single card and hit the higher tiers consistently, the cashback rate becomes one of the richest available. The banking link-up adds an extra layer of yield, making it a choice for those who want their entire wallet working together.
DBS Woman’s World Card
Don’t let the name fool you—it’s open to all cardholders. The headline number is 4 miles per S$1 on all online spends, including grocery deliveries. That’s the same rich earn rate as the Citi Rewards but with DBS’s own points ecosystem and redemption partners.
If you’re building a miles stash for a long-haul trip, this card quietly turns your regular groceries and late-night online browsing into meaningful progress. Points convert to miles or vouchers, and there are extra perks on overseas transactions if you travel. It’s one of the faster paths to a free flight when you already do most of your shopping online.
Branch: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982 (Mon-Fri, 9:30am-4:00pm). Phone: +65 6878 8888. Annual fee: check with DBS. DBS Woman’s World Card
We keep these lists updated by hand. If you run something that fits, get in touch before the next revision.
Despite the name, this card is a universal miles earner for online transactions. The earn rate is generous, and DBS’s points ecosystem offers transfer partners that suit those planning long-haul trips. It quietly builds your miles balance off everyday grocery orders and online browsing, and you can redeem without being locked into a single airline programme.
Standard Chartered Journey Card
Built with miles in mind, this card earns 3 miles per S$1 on groceries, food delivery, transportation, and selected online spends. It bundles complimentary lounge access and travel insurance right in, so your everyday spending fuels a holiday and the card itself softens the travel experience once you’re at the airport.
It suits someone who wants a single card that treats both the weekly wet-market run and the Grab ride home as progress toward a boarding pass. The earn rate is steady, and the travel extras feel like a reward before you even redeem anything. If you’re already deep into the Standard Chartered banking world, the integration is smooth.
Branch: 9 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 2, Singapore 018983 (Mon-Fri, 9:00am-4:00pm). Phone: +65 6747 7000. Annual fee: check with Standard Chartered. Standard Chartered Journey Card
How to choose
Start with this question: do you want cashback or miles? Cashback cards like DBS yuu, CIMB Visa Signature, Maybank Family & Friends and UOB One put money back in your pocket that you can use on anything. Miles cards—Citi Rewards, DBS Woman’s World, and Standard Chartered Journey—build toward flights, and they make sense if you already have a travel goal in mind.
Next, look at where you actually buy your groceries. The DBS yuu card really only shines at yuu-affiliated chains. If you bounce between different supermarkets or use RedMart, a broader online spending card like Citi Rewards or DBS Woman’s World captures more. CIMB’s 10% category covers a wide range but caps at S$100 cashback per month, so work out if your monthly grocery and online spending pushes past that.
Minimum spend requirements matter. The DBS yuu gives base rewards with no minimum; the UOB One’s highest tier requires hitting specific monthly spending, so it rewards consistency rather than sporadic big purchases. Annual fees vary widely—some cards waive them for life (CIMB), others offer waivers with a minimum annual spend. Always confirm the prevailing fee before applying, as promotions change.
Think about your typical online shopping rhythm. If you make several small purchases a month, a flat-rate cashback card might be simpler. If you do fewer but larger buys and want to clock miles, the points-heavy cards edge ahead. There’s no single best card, just the one that slots into your life with the least effort and the most reward.
| Card | Rewards rate (groceries + online) | Cap / minimum spend | Annual fee | Best for |
|---|---|---|---|---|
| DBS yuu Visa Card | Up to 18% cashback at yuu merchants | No minimum spend for base rewards; cap varies by campaign | Check with DBS | Cold Storage and Giant regulars |
| CIMB Visa Signature Card | 10% cashback on groceries, online shopping, beauty & wellness, pet shops, cruises | S$100 cashback per month | S$0 (waived for life) | No-fee, set-and-forget cashback |
| Citi Rewards Card | 10X points (4 miles per S$1) on online shopping and grocery deliveries | Check with the business | Check with the business | Miles from online spending |
| Maybank Family & Friends Card | 8% cashback on customisable categories including groceries (online stores) | S$150 cashback per month across chosen categories | Check with Maybank | Flexible category cashback |
| UOB One Card | Up to 10% cashback on groceries, online purchases, daily essentials | Tiered; higher rates at higher monthly spend tiers | Check with UOB | Consolidated spending to max cashback |
| DBS Woman’s World Card | 10X points (4 miles per S$1) on all online spends including groceries | No monthly cap on points earn; points expiry applies | Check with DBS | Online miles, open to all |
| Standard Chartered Journey Card | 3 miles per S$1 on groceries, food delivery, transportation, selected online spends | No monthly cap on miles earn; travel perks included | Check with Standard Chartered | Miles with travel extras |
Summary
The right card for groceries and online shopping in Singapore boils down to whether you want cashback or miles, and where you already spend. Pick a card that matches your supermarket loyalty, your online shopping frequency, and how much effort you want to put into tracking tiers. Whichever you go with, these seven get you more out of spending you’re already doing—just make sure the fees and caps work for your real, day-to-day life.
Disclaimer: Details can change. Always confirm the latest terms, annual fees, and rewards rates directly with the bank before you apply.
Frequently asked questions
This card treats travel as the natural outcome of your daily spending. The earn rate on groceries and online spends is paired with complimentary lounge visits and travel insurance, which stretches the card’s value beyond the miles themselves. If you hold only one card and want both recurring rewards and travel perks without juggling multiple programmes, it folds everything into a single, straightforward package.
Which card gives the highest cashback for groceries?
The DBS yuu Visa Card offers up to 18% cashback at yuu-affiliated grocers like Cold Storage and Giant, with no minimum spend for base rewards. The CIMB Visa Signature gives a flat 10% on groceries and online shopping with a S$100 monthly cap. Your highest return depends on where you shop and how much.
Are these cards only for online shopping or also in-store grocery purchases?
Most cover both. The DBS yuu card works in-store and via apps at yuu merchants, while CIMB, UOB One, and Maybank Family & Friends include both physical grocery stores and online grocery platforms in their cashback categories. The Citi Rewards and DBS Woman’s World Card reward online transactions only, including grocery deliveries.
Do I have to pay an annual fee?
The CIMB Visa Signature waives its annual fee for life. Other cards may charge an annual fee, but banks often waive it if you meet a minimum annual spending threshold. Always check the bank’s latest fee policy before applying.
Can I earn miles instead of cashback?
Yes. The Citi Rewards Card and DBS Woman’s World Card both earn 4 miles per S$1 on online spending including groceries, while the Standard Chartered Journey Card earns 3 miles per S$1 on a broader set of everyday categories. These cards are best if you plan to redeem for flights.
What if I shop at multiple supermarkets?
If you switch between chains, a card with broader grocery coverage—like CIMB Visa Signature or Maybank Family & Friends—may serve you better than a card tied to a single affinity programme like yuu. The Maybank card also lets you pick groceries as one of your customised cashback categories.
Is the DBS Woman’s World Card only for women?
No, the card is open to all cardholders in Singapore despite the name. Anyone can apply and earn 4 miles per S$1 on all online spends, including groceries.
