By Jermayne Teo
If you’ve only got a minute,
- Grocery shopping is a staple everyday expense, and it offers significant savings with the right DBS/POSB Cashback or Cash Rebate Card.
- The ideal card should align with your shopping routines, preferred supermarkets, and what you value most in rewards.
- Maximise your savings by combining card benefits with existing supermarket loyalty programs.
Grocery shopping is a recurring and essential everyday expense for every household. With rising costs, finding ways to save on groceries can make a difference to your monthly budget. What if your weekly grocery run could also be a smart way to accumulate savings? With the right credit card strategy, you can maximise your cashback or cash rebates on your grocery spend.
What is the best cashback card for everyday expenses?
This is where DBS/POSB Credit and Debit Cards come into play. Many DBS/POSB Cards offer specific benefits tailored for everyday spending, allowing you to unlock greater cashback or cash rebates on your groceries.
1. POSB Everyday Card
The POSB Everyday Card offers attractive cash rebates on everyday expenses, making it an excellent choice for maximising your grocery savings. Beyond groceries, it's a versatile card that rewards your other expenses, including dining out, food deliveries and transport via SimplyGo. For families with substantial monthly expenses, the POSB Everyday Card's broad cashback categories and relatively accessible spend tiers make it a strong contender for consistent savings across various daily expenses.
All cash rebates are accumulated as Daily$, which can be conveniently used to offset future purchases.
Grocery Benefits | Details | Minimum Spend |
|---|---|---|
5% cash rebates at Sheng Siong | Capped at Daily$20 per calendar month | No minimum spend required |
5% cash rebates on online shopping at RedMart | Capped at Daily$20 per calendar month | Minimum qualified spend of S$800 per month |
10% cash rebates on in-store spend in Malaysian Ringgit | Capped at Daily$20 per calendar month | Minimum qualified spend of S$800 per month |
Other benefits include up to 10% cash rebates on dining, SimplyGo and more. Terms and conditions apply.
2. DBS yuu Card
The DBS yuu Card is a rewarding card that gives you up to 18% cash rebates or 10 miles per S$1 on participating yuu merchants, including popular grocery retailers like Cold Storage, Giant or even foodpanda for online groceries. Families with high grocery spending at participating yuu merchants will find it easy to meet the S$800 minimum spend, unlocking significant cash rebates of up to 18%.
You earn yuu points when you shop at these participating merchants for your groceries, which can be redeemed for cash rebates or miles via the yuu App!
You will be required to make a minimum spend of S$800 and transact at 4 participating merchants per calendar month to earn up to 18% cash rebates.
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Other partners with upsized rewards include Guardian, 7-Eleven, Gojek, SimplyGo, Charge+, Chagee and Singtel Retailers. Terms and conditions apply.
New to DBS/POSB Credit Card customers can apply for the POSB Everyday Card or DBS yuu Card and choose from the newly launched Samsonite FLATFORM Spinner 28” with Foldable Duffle Bag (worth S$740) or S$288 cashback. Valid till 30 June 2026. Learn more here.
Subject to qualifying criteria.
3. PAssion POSB Debit Card
The PAssion POSB Debit Card is a versatile card that combines benefits of a PAssion membership with an everyday rewards card. Similar to DBS yuu card, Passion POSB Debit Card also allows you to earn rewards at the participating yuu merchants like Cold Storage, Giant and foodpanda, offering up to 9% cash rebates or 5 miles per S$1.
You will be required to make a minimum spend of S$500 and transact at up to 5 participating merchants per calendar month to earn up to 9% cash rebates or 5 miles per S$1. Subject to qualifying criteria.
This is the ideal alternative cash rewards card to the DBS yuu Card if you are a student, new professional or anyone looking for an option without credit income requirement.
From now till 31 August 2026, apply for the PAssion POSB Debit Card and earn S$80 cashback. Learn more here. Subject to qualifying criteria.
How to choose which cashback card works best for your grocery spend
1. Where do you shop for groceries
For instance, if Sheng Siong is your primary grocery stop, the POSB Everyday Card, with its dedicated rebates, would be an excellent choice. However, if your preference is Cold Storage or Giant, the DBS yuu Card or PAssion POSB Debit Card might be better suited for you.
2. Your spending volume
While it can be tempting to use multiple cards, consolidating your grocery spending into 1 or 2 optimised cards often leads to greater savings, especially if rebates are tied to minimum spending thresholds or monthly qualifying spend.
Additional sweetener with loyalty programs
Most major supermarkets in Singapore offer their own membership or loyalty programs, and signing up is typically free. These programs often provide benefits such as exclusive discounts on products or accumulation of points which can be redeemed for vouchers. For example, NTUC FairPrice, Cold Storage, and Sheng Siong all have loyalty programs that offer instant discounts or points.
In conclusion
By thoughtfully combining your DBS/POSB Credit or Debit Card with supermarket loyalty programs, you can unlock significant savings on your grocery expenses. The best approach depends on your individual shopping habits and type of rebates you find most valuable. Every dollar saved on groceries frees up funds for other important needs or contributes to your financial goals. Be intentional with your card choices, and watch your everyday grocery runs become rewarding financial moves.
