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It’s nearly 1.5 years since Version 2 was published and I did not realise that there were so many changes until I started updating the below table! These are the main changes below:

1. ANZ – came up with a new product called Optimum MasterCard which offers 5% rebate on a particular category. However, do note that you need to update your category every quarterly if not you will lose the additional rebate

2. Citibank – The dividend and SMRT cards could be used interchageably at the supermarkets previously but do note there are subtle differences now. For the dividend card, you need to spend a minimum of $50 before you get any bonus rebate of 5%. On top of that, if you spend at Giant or Cold Storage, you get 3% DIV$ only as the other 2% comes in the form of CITI$. Also note that NTUC does not earn any rebate on this card! For SMRT card, you can use it for smaller purchases <$50 as you get 2.7% rebate minimum but only at Giant, Sheng Siong and NTUC

3. HSBC – They have revised their rebate scheme to a 2 tier structure based on your spending of either $400 or $800 minimum a month for the entire quarter. There are easier cards to get the 5% cash rebate if you ask me.

4. OCBC 365 Card – one of the better cards for dining (6% on weekends), but has a minimum spending of $600/month, so you can make up the difference with this card at the supermarkets since there is 3% rebate at all supermarkets

5. POSB Everyday Card – New promotion with 3% rebate at NTUC, Giant, Cold Storage etc but with a minimum spend of $500 per month on the card.

6. Stanchart Singpost Card – The rebate has been reduced from 6% to 2%

7. UOB Delight Credit Card – The rebate structure has been modified as well, now you get a maximum of 8% rebate if you meet the minimum spending of $800.

8. UOB JCB Platinum – If you love the japanese supermarket Meidi-Ya, this card is perfect

Overall, the banks are getting smarter and changing the playing field once in a while, so do note the fine print. Would appreciate any comments or other cards that have been missed out!supermarket2015a supermarket2015b

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4 Responses to Which credit card offers the best rebates for supermarkets? 2015 Version 3

  1. J says:

    How about the OCBC 365 card that offers 3% cashback on groceries at supermarkets island wide with a minimum spend of $600?

  2. LN says:

    Thank you, excellent table. Really appreciate you doing the comparison, now I’ve to stop using my Standard Chartered card which is giving one of the worst rebates!

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