Best Grocery Credit Cards
in Malaysia
We found 94 credit card(s) for you!
Here's some popular credit cards for your reference!
Win PerySmith Xtreme Series XS20
* Terms and conditions apply
- Min. Monthly Income
- RM 3,000
- Annual Fee
- Free
- Cashback
- -
DDPAI N5 Dash Cam
*Terms and conditions apply
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- -
- Min. Monthly Income
- RM 2,000
- Annual Fee
- -
- Cashback
- Up to 5%
Win PerySmith Xtreme Series XS20
* Terms and conditions apply
- Min. Monthly Income
- RM 3,000
- Annual Fee
- Free
- Cashback
- Up to 8%
Win URBANlite Rayer 24"
* Terms and conditions apply
- Min. Monthly Income
- RM 6,000
- Annual Fee
- Free
- Cashback
- -
Guaranteed SONY WH-CH520
* Terms and conditions apply
- Min. Monthly Income
- RM 12,500
- Annual Fee
- Free
- Cashback
- -
DDPAI N5 Dash Cam
*Terms and conditions apply
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Guaranteed SONY WH-CH520
* Terms and conditions apply
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 200
- Cashback
- -
Guaranteed SONY WH-CH520
*Terms and Conditions apply
- Min. Monthly Income
- RM 6,667
- Annual Fee
- Free
- Cashback
- up to 6%
Win up to RM1,000 CASHBACK!
*Terms and Conditions apply
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- 12X OCBC$
Win up to RM1,000 CASHBACK!
*Terms and Conditions apply
- Min. Monthly Income
- RM 6,000
- Annual Fee
- Free
- Cashback
- 10x OCBC$
Guaranteed SONY WH-CH520
* Terms and conditions apply
- Min. Monthly Income
- RM 6,667
- Annual Fee
- Free
- Cashback
- Up to 6%
Guaranteed SONY WH-CH520
* Terms and conditions apply
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- Up to 10%
Guaranteed SONY WH-CH520
* Terms and conditions apply
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
DDPAI N5 Dash Cam
*Terms and conditions apply
- Min. Monthly Income
- RM 4,000
- Annual Fee
- Free
- Cashback
- Up to 5%
Win up to RM1,000 CASHBACK!
*Terms and conditions apply
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- 0% Auto-IPP
Unlimited Cash MegaBonus of 0.1% on both local and overseas retail purchases and your first-year annual fee waived.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- up to 0.1%
A shariah-compliant credit card that earns up to 8x TreatsPoints when you spend at any petrol service station nationwide.
- Min. Monthly Income
- RM 2,500
- Annual Fee
- Free
- Cashback
- up to 8%
Up to 5 TreatsPoints from spent overseas, and exclusive dining, golf privilegesÂ
- Min. Monthly Income
- RM 8,333
- Annual Fee
- Free
- Cashback
- -
Every month you will receive up to 2% cashback from all your retail spending, and this card comes with a business-size credit limit of up to RM300,000!
- Min. Monthly Income
- RM 5,000
- Annual Fee
- RM 400
- Cashback
- Up to 2%
Get a 10% discount on normal tickets at GSC, on top of discounts on food and beverages, also with privileged access to the priority lane!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 150
- Cashback
- -
Up to 5 TreatPoints on all overseas spending, and 2 Treatpoints spent locally
- Min. Monthly Income
- RM 8,334
- Annual Fee
- Free
- Cashback
- -
Get up to 0.8% cashback on retail transactions with no maximum limit! And also receive a lifetime annual fee waiver with this card!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
You will be rewarded for all your retail spending with Reward Points, on top of getting to enjoy a 6 or 12 month interest Easy Payment Plan at 0%!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 160
- Cashback
- -
Enjoy cashback with no maximum limit at up to 0.8%, added with exclusive Touch n Go features just for you!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 50
- Cashback
- -
Up to 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays for every spend at PETRONAS Stations.
- Min. Monthly Income
- RM 2,500
- Annual Fee
- Free
- Cashback
- -
Be rewarded with cashback of up to 10% on grocery transactions at selected merchants, and earn a complimentary access at True Fitness too!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 68
- Cashback
- -
Redeem accumulated Happy Points for BIG Points, Enrich Points, exciting gifts, retail vouchers and so much more.
- Min. Monthly Income
- RM 4,000
- Annual Fee
- Free
- Cashback
- -
Earn up to 2x Reward Points from your retail spending, and get preferential foreign exchange rates on outward remittances!
- Min. Monthly Income
- RM 5,000
- Annual Fee
- RM 800
- Cashback
- -
Get preferential foreign exchange rates on outward remittances from American Express, on top of earning up to 2x Reward Points from retail spending!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 160
- Cashback
- -
Enjoy up to 10% cashback at BHPetrol petrol stations and 1 AFFIN Rewards Point for every RM1 retail spend.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- up to 10%
Up to 2x TreatsPoints from retail spending
- Min. Monthly Income
- RM 3,333
- Annual Fee
- Free
- Cashback
- up to 8%
Enjoy 0.6% cashback on all retail spending plus FREE Automatic Travel Insurance with coverage of up to RM350,000!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 75
- Cashback
- -
Enjoy 10x TreatsPoints at the United Direct Store, 5x TreatsPoints if Man Utd wins an EPL match and 5x TreatsPoints for retail spending.
- Min. Monthly Income
- RM 2,500
- Annual Fee
- Free
- Cashback
- -
You get to earn Reward Points from all your retail spending, and also enjoy a 0% interest Extended Payment Plan for 6 or 12 months!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 80
- Cashback
- -
Earn 1 AmBonus Point for every RM1 you spend and up to 20% cash rebate on worldwide spending.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- RM80 /mth
UOB ONE Card gives you unlimited cash rebates for your daily spend on groceries, petrol, telco bills, and more. The more you spend, the more you save.
- Min. Monthly Income
- RM 4,000
- Annual Fee
- RM 195
- Cashback
- up to 10%
 Up to 5x Membership reward points for every RM you spend
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- -
Enjoy 1.5% unlimited cash rebate for overseas spending and 15% discount at any duty-free merchant.
- Min. Monthly Income
- RM 7,500
- Annual Fee
- Free
- Cashback
- -
Earn cashback of up to 0.3% from retail transactions from all certified Halal merchants, and get up to RM100,000 of Takaful protection!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 60
- Cashback
- Up to 0.3%
Get up to 6% cashback on retail spending at The Store and Pacific, and 0.5% rebate on dining, entertainment, and petrol!
- Min. Monthly Income
- RM 5,000
- Annual Fee
- RM 300
- Cashback
- Up to 6%
The Affinbank Classic Card gives you cashback at up to 0.8% uncapped, also with no annual fee, ever!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 50
- Cashback
- -
Enjoy earning up to 3x Cosway Points to be redeemed at over 850 Cosway outlets around Malaysia!Â
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Get up to 5% cashback on all your retail transactions at selected merchants, and you are also given exclusive dining privileges at over 1,000 merchants nationwide!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 68
- Cashback
- up to 10%
You get to earn up to 3x UNIRinggit Reward Points from all retail transactions, and enjoy a 0% interest Installment Payment Plan at all participating merchants!
- Min. Monthly Income
- RM 3,333
- Annual Fee
- RM 198
- Cashback
- RM400 /mth
Get access to the priority lane and get discounts on food and beverages, on top of a 10% discount on normal tickets at GSC!Â
- Min. Monthly Income
- RM 5,000
- Annual Fee
- RM 300
- Cashback
- -
Get 5% cashback when you spend at luxury brand merchants, and also 0.9% cashback on all other retail spending!
- Min. Monthly Income
- RM 4,166
- Annual Fee
- Free
- Cashback
- -
Earn up to 1% cashback on all retail spending, and enjoy a low cash advance at an interest rate starting at 10.8% per annum!Â
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 100
- Cashback
- Unlimited
Great for those who travel a lot, as you earn extra AmBonus Points for your overseas retail spending! Also get complete travel insurance coverage of up to RM1,000,000!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Earn up to 10% cashback on retail fashion transactions at selected merchants, and get a complimentary access to True Fitness!
- Min. Monthly Income
- RM 5,000
- Annual Fee
- RM 128
- Cashback
- Up to 10%
This card gives you cashback at up to 0.8% with no maximum limit! Also enjoy a waived annual fee for life!
- Min. Monthly Income
- RM 3,000
- Annual Fee
- RM 150
- Cashback
- -
Get complimentary Plaza Premium Lounge access, on top of 2x Bonus Points rewarded from all overseas retail spending!Â
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- -
Your dining and travel companion that gives you 5X more rewards and 8x Airport Lounge Access after enjoying a premium ride to the airport.
- Min. Monthly Income
- RM 10,000
- Annual Fee
- Free
- Cashback
- -
Enjoy up to 5x TreatsPoints on weekdays and up to RM700,000 Travel Insurance Coverage when tickets are charged to your Maybank 2 Platinum Card.
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- up to 5%
Earn up to 3% cashback on your petrol expenditure.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- RM50 /mth
Enjoy the rewards when you travel or just sit at home. Use this card to shop, eat or travel at any time.
- Min. Monthly Income
- RM 3,000
- Annual Fee
- Free
- Cashback
- -
Earn 8x TreatsPoints on weekends and 5x TreatsPoints on weekdays when you link your card and pay for fuel via CardTerus on the Setel app.
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- -
Earn AmBonus Points from your retail spending, and also get complete travel insurance coverage of up to RM500,000!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Earn up to 6% cashback on retail spending at The Store and Pacific, and gain access to shopping and travel privileges too!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 150
- Cashback
- Up to 6%
Get Takaful protection with coverage of up to RM100,000, and also earn up to 0.3% cashback on retail transactions at all certified Halal merchants!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Putting cash back into your wallet with just one card for both local and overseas spending.
- Min. Monthly Income
- RM 2,500
- Annual Fee
- Free
- Cashback
- up to 1.5%
Get bonus cashback when you spend upwards of RM38,000, on top of 1% cashback on all of your retail spending!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 160
- Cashback
- RM50 /mth
7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- Up to 7%
Enjoy TruPoints for every RM1 spent on overseas and local spending and redeem attractive prizes through Bank Islam TruRewards Loyalty Programme.
- Min. Monthly Income
- RM 4,000
- Annual Fee
- Free
- Cashback
- -
Get Travel Accident Insurance with coverage of up to RM350,000, and earn up to 2x Reward Points from retail spending!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 160
- Cashback
- -
Earn up to 10x Reward Points from all overseas hotel, dining, and shopping spending!
- Min. Monthly Income
- RM 3,000
- Annual Fee
- Free
- Cashback
- -
Earn up to 5% cashback on online shopping, 1% cashback on petrol at BHPetrol stations nationwide, and up to 0.3% cashback on other retail transactions!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 72
- Cashback
- Up to 5%
Travel insurance with coverage of up to RM300,000
- Min. Monthly Income
- RM 2,500
- Annual Fee
- RM 130
- Cashback
- -
Enjoy 8% cashback when you spend above RM500 per month for petrol, groceries, and dining on the weekends.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 160
- Cashback
- RM100 /mth
Earn 1% cashback on all your overseas retail spending, and also get Travel Accident insurance coverage of up to RM1,700,000!
- Min. Monthly Income
- RM 5,000
- Annual Fee
- RM 300
- Cashback
- RM100 /mth
Earn Premium Points from retail spending, and receive Travel Accident Insurance with coverage of up to RM300,000!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- RM 88
- Cashback
- -
Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Earn 5 Treats AirMiles from local and overseas retail spendingÂ
- Min. Monthly Income
- RM 8,334
- Annual Fee
- Free
- Cashback
- -
Enjoy cashback and exclusive rewards with a minimum RM300 spend whilst enjoying up to 5x TreatsPoints on your weekday spend.
- Min. Monthly Income
- RM 2,500
- Annual Fee
- Free
- Cashback
- RM50 /mth
Earn up to 10% cashback on grocery transactions at selected merchants, and get one complimentary access at True Fitness too!
- Min. Monthly Income
- RM 8,334
- Annual Fee
- Free
- Cashback
- -
Enjoy free travel insurance and no annual fees.
- Min. Monthly Income
- RM 4,166
- Annual Fee
- Free
- Cashback
- -
Rewards and discounts for every spend at AEON across Malaysia with 1x AEON point with every RM2 spent.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- up to 5%
Though payment made easy with AEON Gold Visa / MasterCard!
- Min. Monthly Income
- RM 3,000
- Annual Fee
- Free
- Cashback
- up to 8%
Shariah-compliant card specially forged for teachers in Malaysia. Receive rewards every time you shop while contributing 0.2% to YGMB!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Enjoy as low as 11%p.a. finance charge for prompt minimum payment for 12 consecutive months & get a complimentary BSN Zing PLUSMiles Touch ‘n Go card.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
With this card you earn up to 2x BSN Reward Points with all retail spending, and Travel Accident insurance coverage of up to RM300,000!.
- Min. Monthly Income
- RM 4,000
- Annual Fee
- Free
- Cashback
- -
All your overseas retail spending will be rewarded with up to 2x BSN Reward points, included with Travel Accident insurance coverage of up to RM300,000!
- Min. Monthly Income
- RM 3,000
- Annual Fee
- Free
- Cashback
- -
This card rewards up to 2x BSN Reward points with all retail spending, and get covered with Travel Accident insurance of up to RM500,000!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Collect and redeem exciting prizes through the BSN Happy Rewards Programme - vouchers, gadgets, home appliances, and more!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
Use it at over 29 million merchants and 1 million ATMs worldwide, enjoy Happy Points and many more card facilities.
- Min. Monthly Income
- RM 5,000
- Annual Fee
- Free
- Cashback
- -
Taking shopping overseas to a 5x new level of TreatsPoints for every RM1 spent PLUS up to 5% cashback on all petrol and grocery spend.
- Min. Monthly Income
- RM 5,833
- Annual Fee
- Free
- Cashback
- up to 5%
Receive 5000 Welcome Shopee Coins after RM300 spend and enjoy up to 5x Shopee Coins for any spend on Shopee, dining, entertainment, and contactless payments.
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- -
7% cash rebate for Setel transaction with statement balance of RM1,500 and above,5% cash rebate with statement balance of RM1,500 and above. 3% cash rebate with statement balance below RM1,500!
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- Up to 8%
Redeem 1,000 AirMiles with 5000 TreatsPoints while earning 5 TreatsPoints for every RM1 spent locally and overseas.
- Min. Monthly Income
- RM 8,334
- Annual Fee
- Free
- Cashback
- -
Enjoy up to 5% cashback every Friday and Saturday, and 10,000 Maybank TreatsPoints on your FIRST TIME spend with your new Maybank MasterCard Ikhwan Gold Card.
- Min. Monthly Income
- RM 2,500
- Annual Fee
- Free
- Cashback
- up to 5%
A money-saving credit card with 5% cashback on groceries and petrol, TreatPoints gift redemption, and no annual fee for life plus FREE Touch 'n Go Zing card!
- Min. Monthly Income
- RM 3,333
- Annual Fee
- Free
- Cashback
- up to 5%
Infinite Manchester privileges, 10000 Treatpoints on first spent, best air-miles, and exclusive dining, golf privileges
- Min. Monthly Income
- RM 8,333
- Annual Fee
- Free
- Cashback
- -
- Min. Monthly Income
- RM 2,000
- Annual Fee
- Free
- Cashback
- Up to 8%
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FAQs Best Grocery Credit Cards in Malaysia
In a country where grocery expenses are a regular part of every household budget, Malaysians are increasingly turning to credit cards that reward them for their daily spending. With specialized grocery credit cards, shoppers can earn cashback, enjoy exclusive discounts, and accumulate rewards on every ringgit they spend on groceries. But which grocery credit cards in Malaysia offer the best perks? This article covers everything you need to know, from top recommendations to maximizing benefits, so you can make the most out of every shopping trip.
Why Choose a Grocery Credit Card in Malaysia?
With Malaysia’s growing cost of living, managing household expenses effectively is more important than ever. Grocery credit cards can be a smart choice for families and individuals who want to save money on essential purchases. These cards are designed to offer cashback or reward points on grocery shopping, making them an ideal option for frequent shoppers.
Benefits of Using a Grocery Credit Card
- Cashback on Essentials: Many grocery credit cards provide cashback on every ringgit spent on groceries, which can add up over time.
- Reward Points: Some cards offer reward points instead of cashback. These points can be redeemed for vouchers, merchandise, or even travel perks.
- Exclusive Discounts: Certain credit cards provide discounts at specific grocery stores, allowing shoppers to save more with partner retailers.
-
When selecting a grocery credit card, it’s essential to choose one that aligns with your spending habits. Here are some features to keep an eye on:
- High Cashback Rates: Look for cards with higher cashback rates specifically for grocery transactions.
- Monthly Cashback Cap: Check the maximum cashback limit per month, as some cards may have caps.
- Low Annual Fee or Fee Waiver Options: Cards with low or waived annual fees are ideal for long-term savings.
- Flexible Redemption Options: Consider cards that offer flexible reward points redemption, such as vouchers for supermarkets or online shopping.
-
Here are some of the best grocery credit cards in Malaysia that offer cashback, rewards, and other perks:
CIMB Cash Rebate Platinum Mastercard
- Cashback Rate: Up to 5% on groceries
- Annual Fee: RM300 (waived if minimum spend is met)
- Notable Perks: High cashback rates on daily essentials, including groceries, with a straightforward rebate structure.
Maybank 2 Cards Premier
- Cashback Rate: Up to 8% on weekends (for AMEX card)
- Annual Fee: RM800, but can be offset with a certain spend level
- Notable Perks: Generous cashback rate on weekends, making it ideal for families that shop during the weekend rush.
HSBC Visa Signature
- Cashback Rate: Up to 8% for specific categories, including groceries
- Annual Fee: RM240 (first year free, waived with minimum annual spend)
- Notable Perks: Provides high cashback and has a low annual fee, with rewards on both weekday and weekend shopping.
-
Credit Card
Cashback Rate
Annual Fee
Key Benefits
CIMB Cash Rebate Platinum
Up to 5%
RM300
High rebate on groceries
Maybank 2 Cards Premier
Up to 8% on AMEX
RM800
Cashback on weekends
HSBC Visa Signature
Up to 8%
RM240
Low annual fee, flexible rewards
This table highlights the primary grocery credit card options in Malaysia, making it easier to compare cashback rates, fees, and features.
-
Using a grocery credit card for your family shopping trips can lead to significant savings over time. Families with children, in particular, may see substantial benefits:
- Monthly Savings: Cashbacks and discounts on groceries reduce the monthly grocery budget.
- Reward Points for Family Use: Points earned can be redeemed for items or vouchers beneficial to the entire family.
- Budget Tracking: Credit cards make it easy to track spending, helping families manage their grocery budget effectively.
-
To get the most out of your grocery credit card, consider these tips:
- Shop at Partner Stores: Some cards offer higher cashback at specific grocery stores, so stick to those partners for extra savings.
- Plan Weekly or Monthly Trips: Many cards have a cap on cashback earnings per month, so plan larger shopping trips to optimize rewards.
- Combine with Loyalty Programs: Use grocery store loyalty cards in conjunction with your credit card to maximize savings.
-
Before applying for a grocery credit card in Malaysia, check that you meet the general eligibility requirements. These typically include:
- Minimum Income Requirement: Most cards require an annual income of RM24,000 or higher.
- Age Requirement: Generally, applicants must be at least 21 years old.
- Credit History: A clean credit history is essential to qualify for these cards, as banks prefer applicants with a stable financial track record.
-
While grocery credit cards are advantageous, they come with a few considerations:
- Monthly Caps: Most cards have a monthly cap on cashback or rewards, which can limit potential savings.
- High Interest Rates: Carrying a balance can lead to high interest charges, which can negate the savings.
- Specific Store Limitations: Some cards only offer rewards at specific grocery chains, which may not be convenient for everyone.
-
Pros
- Cashbacks and rewards on essential spending
- Great for families and frequent grocery shoppers
- Budget tracking for household spending
Cons
- Cashback caps can limit overall savings
- Higher interest rates if the balance isn’t paid in full
- Annual fees, though often waivable, may apply
-
To make the most of your grocery credit card, it’s crucial to manage payments carefully:
- Pay Off the Balance Each Month: Avoid interest charges by clearing the balance each month.
- Set Spending Limits: Stick to your budget and don’t exceed what you can afford to pay back.
- Use Cashback Wisely: Consider using cashback savings for family needs or emergency funds.
-
Most major grocery chains in Malaysia accept credit card payments, including:
- AEON: Known for partner rewards, especially with AEON cards and co-branded cards.
- Giant: Many credit cards offer special discounts at Giant.
- Jaya Grocer: Commonly includes promotions for cardholders.
-
For Malaysians who shop frequently at major grocery chains, grocery credit cards can offer significant savings and rewards. However, the benefits will depend on shopping frequency, partner store availability, and personal spending habits. With responsible usage, grocery credit cards provide long-term savings on essential purchases, making them a valuable tool for budget-conscious shoppers.
-
Most grocery credit cards offer rewards at specific partner stores, though many still provide general cashback or rewards.
-
Cashback rates typically range from 3% to 10%, depending on the card and retailer.
-
Yes, but many banks waive the fee with a minimum spend or as a promotional offer.
-
Watch out for interest rates, late fees, and foreign transaction fees. Reading the terms is essential.
-
You can apply online through the bank’s website or visit a branch, provided you meet the eligibility requirements. Another convenient way is to apply online through our iMoney application form.