Grab a credit card that gives you better rewards & more!
  • Best Grocery Shopping Credit Cards

    A range of credit cards offer you cashback and rewards points with all transactions related to grocery shopping. You can maximise your savings on monthly grocery shopping with these cards. Let’s take a look at the best credit cards for purchases of groceries.

    Here are the Best Grocery Shopping Credit cards in Malaysia 2018

    Updated on 4th September 2018

    Card Name
    Monthly Spend Requirement
    Grocery Shopping Benefit
    Annual Fee
    Know More

    None

    2% cash rebate when you opt for the Savvy Package.

    Principal Card: RM160

    Supplementary Card: RM80.

    RM500 to RM1,500

    RM1,501 to RM2,500

    RM2,501 and above

    1% cashback.

    2% cashback.

    5% cashback.

    Principal Card: RM70.

    Supplementary Card: Waived

    None

    1% cash rebate on weekday and 2% cash rebate during weekend at selected merchant outlets.

    Principal Card: RM68.

    Supplementary Card: RM30.

    None

    10% cashback.

    Principal Card: RM250.

    Supplementary Card: RM80.

    RM1,500

    Up to 10% cashback.

    RM195.

    None

    2x Timeless Bonus Points (TBPs) for every RM1 spent

    Principal Card: RM438.

    Supplementary Card: Waived.

    RM500 to RM800

    RM801 to RM1,500

    RM1,501 and more

    2% cashback.

    3% Cashback

    5% Cashback

    RM175.

    Mach Credit Card

    If you want to increase their monthly savings, this card is ideal for you. The card offers a Lifestyle package with three categories – Social, Trendsetter, and Savvy Packages.

    If you are looking to get cash rebates for grocery shopping, you can opt for the Savvy Package. You can also earn more rebates when you add package from the Add-on Category.

    Key Benefits

    • Earn up to 10% cashback on your selected categories. When you opt for the Savvy Package, you earn 2% cash rebates from all grocery stores, including AEON BiG, Giant, Tesco, and Cold Storage. You will also get 2% and 3% cash rebate on health and fitness and mobile categories, respectively.
    • Get 0.2% cash rebate on all other categories.
    • Add packages from Add-on category for more cash rebates.
    Additional Points Description
    How to Use It
    • Shop at the grocery store of your choice using your Mach Credit Card.
    • Earn cash rebates when you spend on the categories from the chosen package and the Add-on Package.
    Good about It
    • The minimum income requirement of this card is only RM24,000 p.a.
    • Switch to another category whenever you want to.
    • Earn more cash rebates when you include packages from the Add-on package.
    Keep in Mind
    • You can get an annual fee waiver with this card, provided you swipe a minimum of 12 times per year.
    • The cash rebate is capped at RM100 per category per quarter.
    • You will be charged RM5 per quarter per category when you choose an additional category.

    Who Should Get It

    • Those who want to increase their savings.

    RHB Smart Value Credit Card

    This card gives you cashback when you carry out transactions at grocery stores and for other purchases under the selected categories. What’s more, the card also offers travel insurance coverage when you pay the full airfare using your card.

    Key Benefits

    • Earn up to 5% cashback when you make retail and online transactions.
    • Enjoy contactless payment by waving your card at any contactless terminals in stores.
    • Get complimentary travel insurance coverage of RM100,000 when you travel locally or overseas.
    Additional Points Description
    How to Use It
    • To earn cash rebates, use your card to carry out transactions from the selected categories (petrol, groceries, utilities, and online) as well as for retail transactions.
    Good about It
    • The minimum income requirement of this card is just RM24,000 p.a.
    • The minimum credit limit of this card is RM4,000. You can increase he credit limit till RM300,000.
    Keep in Mind
    • Cashback for petrol, grocery, online, and utilities come with a maximum cap of RM10 each.
    • There is no capping on all other retail spends.
    • You won't earn any cashback for government-related payments, overseas petrol transactions, and charity-related payments.

    Who Should Get It

    • Those who shop at grocery stores regularly.
    • Those who shop online.
    • Those who use their own vehicle for their daily commute.

    UOB One Credit Card

    The UOB One Credit Card is a unique card that offers a different percentage of cash rebates for weekday and weekend spends. The categories and their respective cash rebates are given below:

    Key Benefits

    • Earn 1% cash rebate when you spend on groceries on a weekday.
    • Earn 2% cash rebate when you purchase groceries during the weekend.
    • Enjoy a discount of RM20 when you spend a minimum of RM150 on grocery shopping at Honestbee.
    • Get cash rebates of up to 8% when you spend on petrol, cinema, and mobile bill payment.
    • All other spends will fetch you 0.2% cash rebate irrespective of the day of transaction.
    Additional Points Description
    How to Use It
    • Use the UOB One Credit Card to pay for your grocery and other retail purchases.
    • Get access to cash rebates based on the day of purchase and category.
    Good about It
    • The cash rebate you earn on other retail spends has no capping.
    • Your UOB One Credit Card account will be automatically credited with the relevant cash rebates upon completing a transaction.
    • Convert overseas transactions amounting to a minimum of RM3,000 into a 3-month repayment scheme at 0% interest.
    Keep in Mind
    • The cash rebate on groceries can be earned only when you transact at the participating merchant outlets, such as Tesco, Aeon Big, Giant, Jaya Grocer, and Cold Storage.
    • The cash rebate for grocery spends is capped at RM1,000 per month.

    Who Should Get It

    • Those who purchase groceries regularly.
    • Those who spend on petrol, movies, and mobile bill payments.

    Hong Leong WISE Gold Credit Card

    Hong Leong WISE Gold Credit Card offers cashback when you carry out transactions on the categories of your choice. If you want to earn cashback when you shop at grocery stores, you can opt for the category ’groceries’ and any other two categories of your choice.

    Key Benefits

    • Earn 10% cashback on any two categories of your choice (groceries, petrol, dining, pharmacies, departmental stores, bookstores, utilities, entertainment, travel, and mobile).
    • The mobile category is the default category offered as of now. You can choose any two apart from the mobile category.
    Additional Points Description
    How to Use It
    • Select the grocery category and one more category of your choice to earn cash rebates at grocery stores.
    • Simply shop using your card at grocery stores to earn cashback.
    Good about It
    • You can choose categories in which you carry out maximum transactions. This way you can earn cashback and secure great savings.
    • You have the option to switch to another category whenever you want.
    Keep in Mind
    • The cashback is capped at RM100 per month per category.
    • You need to spend a minimum of RM2,000 per month to get the cashback.
    • You will be charged a one-time maintenance service fee of RM10 when you switch to another cashback category.

    Who Should Get It

    • Those who shop at grocery stores regularly.

    Citi Cash Back Platinum Credit Card

    Citi Cash Back Platinum Credit Card earns you a high rate of cashback with all grocery purchases, petrol purchases, dining, and GRAB rides. The card comes with no requirement of cashback accumulation and the cashback earned is directly transferred to your credit account.

    Key Benefits

    • Earn 10% cashback on grocery, dining, petrol, and GRAB rides.
    • Earn 0.2% cashback on every other retail purchase completed using this card.
    • Get the cashback automatically transferred into your credit account.
    • Enjoy multiple offers and privileges at more than 24,000 hotels, golf resorts, boutiques, restaurants, and retail outlets.
    • Get discounted offers on a range of healthcare packages.
    Additional Points Description
    How to Use It
    • Make purchases related to petrol and grocery, pay for your dining, and book GRAB rides using your card.
    • Get cashback with every time you use your card.
    • Get cashback credited in your account automatically once you reach the minimum spend requirement per month.
    Good about It
    • No maximum limit on 0.2% cashback earning.
    • Automatic crediting of the cashback.
    • High cashback rate with dining, grocery purchase, GRAB ride, and petrol purchase.
    Keep in Mind
    • You have to spend at least RM1,500 per month to be eligible for the 10% cashback.
    • If the monthly spend is less than RM1,500, transactions from all retail categories will earn you a 0.2% cashback.
    • The monthly cap associated with the cashback is RM15 per category.

    Who Should Get It

    • Those who use GRAB rides or their own vehicles for daily commute.
    • Those who dine out on a regular basis, like food bloggers.

    Alliance Bank Platinum Card

    Earn rewards when you shop at grocery stores using your Alliance Platinum card. You also get rewards when you carry out other local and overseas retail transactions.

    Key Benefits

    • Earn 2x TBPs for every RM1 spent on groceries, utility payments, and petrol purchases.
    • Earn 3x TBPs for every RM1 spent overseas.
    • Get 1x TBPs for every RM1 spent on all other retail purchases.
    • Enjoy exclusive shopping privileges and offers from participating merchants.
    • Withdraw up to 100% of the credit limit in the form of cash anytime you require.
    • Get unlimited access to Plaza Premium Lounge at KLIA when you charge the whole airfare using your card.
    Additional Points Description
    How to Use It
    • Use this card when you shop at grocery stores and earn TBPs.
    • Redeem TBPs with frequent flyer programmes of participating airlines
    • Use 6,000 TBPs to get 1,000 Enrich Miles or 3,000 TBPs to get 1,000 AirAsia BIG Points.
    • You can also redeem TBPs on a range of lifestyle items ad gift vouchers.
    Good about It
    • The TBPs you earn don’t expire.
    • You get many travel-related benefits with this card, including access to airport lounges.
    Keep in Mind
    • The minimum income requirement of this card is RM60,000 p.a.
    • TBPs are not issued for government transactions.
    • You can get an annual fee waiver, provided you make a spend of at least RM5,000 or swipe 12 times within a 12-month period.

    Who Should Get It

    • Those who shop at grocery stores.
    • Those who use their own vehicles on a daily basis.

    Standard Chartered Cashback Platinum Mastercard

    The Hong Leong The Store & Pacific Credit Card earns you cashback with purchases made at The Store & Pacific. There are a range of other benefits you can enjoy with this card that are mentioned below.

    Key Benefits

    • Earn a 5% cashback with all retail purchases made using this card.
    • Enjoy annual fee waiver for the first year.
    • Get benefits from a range of exclusive privileges and offers at 4,000 outlets across Asia.
    • From 1 August 2018, get an annual fee waiver for subsequent year with a spend of RM20,000 per year.
    Additional Points Description
    How to Use It
    • Make purchases and carry out retail transactions using your Standard Chartered Cashback Platinum Mastercard.
    • Get a cashback on the basis of the amount spent per month.
    Good about It
    • Annual fee waiver for the first year.
    • Cashback with all retail transactions.
    • You can earn cashback with spend of as low as RM500 per month.
    Keep in Mind
    • Cashback comes with a monthly cap of RM50.
    • You can earn cashback with all retail purchases excluding petrol and insurance transactions.

    Who Should Get It

    • Those who wish to boost their monthly savings related to retail purchases.

    HSBC Amanah MPower Visa Platinum Credit Card-i

    HSBC Amanah MPower Visa Platinum Credit Card-i covers your everyday grocery and petrol expenses and gives you a high cashback with every retail transactions related to these categories.

    Key Benefits

    • Get as much as 8% cashback with every petrol and grocery transaction.
    • Get an unlimited cashback of 0.2% with all other retail purchases.
    • Enjoy various benefits from the VIP SmartPrivileges Programme.
    Additional Points Description
    How to Use It
    • Buy your monthly grocery and make petrol purchases using your card.
    • Get a cashback of up to 8% depending upon the total amount spent per month.
    Good about It
    • High rate of cashback earning with petrol and grocery purchases.
    • No limit on retail purchases associated with categories other than petrol and groceries.
    Keep in Mind
    • For a monthly spend of below RM2,000, the cashback rate with grocery and petrol purchases is 2%.
    • The monthly cap on cashback is RM50.
    • 8% cashback is applicable only with monthly spend of RM2,000 or more.

    Who Should Get It

    • Those who commute using their own vehicles.
    • Those who want to enhance their monthly grocery related savings.

    How to Choose the Best Card for Grocery Shopping?

    A grocery shopping card earns you rebates or rewards with every grocery transaction. In order to find the best Credit card for your monthly grocery purchases, you need to filter the available choices on the basis of the partnering grocery outlets, amount of cashback or rewards earning, and the cards’ fees and charges.

    Always remember to read the terms and conditions regarding monthly cap of the rewards and rebates before selecting a card.

    If you are interested in other types of card, check the best petrol credit cards and the best shopping credit cards

    BBazaar's Best Grocery Shopping Credit Cards

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Monthly Spend requirement Grocery Shopping Benefit
    Standard Chartered Cashback Platinum Mastercard

    RM500 to RM800

    RM801 to RM1,500

    RM1,501 and more

    2% cashback.

    3% cashback.

    5% cashback.

    HSBC Amanah MPower Visa Platinum Credit Card-i

    RM2,000

    8% cashback.

    UOB One Credit Card None

    1% cash rebate on weekday and 2% cash rebate during weekend at selected merchant outlets.

    Citi Cash Back Platinum Credit Card

    RM1,500

    Up to 10% cashback.

    Mach Credit Card None 2% cash rebate when you opt for the Savvy Package.
    RHB Smart Value Credit Card

    RM500 to RM1,500

    RM1,501 to RM2,500

    RM2,501 and above

    1% cashback.

    2% cashback.

    5% cashback.

    Hong Leong WISE Gold Credit Card

    None

    10% cashback.

    Looking for More

    Pick Up the Other Best Credit Card Category You May Like

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.