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  • Best Grocery Shopping Credit Cards

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    Credit cards help you save more on your purchases. So, the next time you’re going for grocery shopping, consider these cards below. You can maximise your savings on monthly grocery shopping with these cards.

    Best Grocery Shopping Credit Cards

    BBazaar's Best Grocery Shopping Credit Cards 2019

    Updated on 9th January 2019

    Credit Card Grocery Shopping Benefit
    UOB ONE Platinum Credit Card

    2% cash rebate on purchases made at the participating merchant outlets

    Citi Cash Back Platinum Credit Card

    Up to 10% cashback

    CIMB Cash Rebate Platinum Credit Card

    Up to 5% cashback

    Hong Leong Bank WISE Gold Credit Card

    10% cash rebate up to RM100

    Public Bank Visa Signature Credit Card 6% cashback
    AmBank BonusLink Platinum Credit Card

    10x BonusLink Points

    Alliance Bank Platinum Credit Card

    2x Timeless Bonus Points

    Here are the Best Grocery Shopping Credit cards in Malaysia 2019

    Updated on 9th January 2019

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    2% cash rebate on purchases made at the participating merchant outlets

    None

    RM168

    Up to 10% cashback

    None

    RM195

    Up to 5% cashback

    None

    Waived for life

    10% cash rebate up to RM100

    RM2,000

    RM250

    10x BonusLink Points

    RM10

    RM450 Waived for the first 2 years

    2x Timeless Bonus Points

    None

    RM438

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed upon card renewal and on all the new cards.

    UOB ONE Platinum Credit Card

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    2% cash rebate on purchases made at the participating merchant outlets

    None

    RM168

    The UOB ONE Platinum Credit Card provides you with dining privileges at more than 150 participating outlets across the country in addition to grocery cash rebates. You can access the banking services at the comfort of your home via the UOB Personal Internet Banking.

    Key Benefits

    • Get a 2% cash rebate when you spend up to RM1,500 on groceries per month.
    • Earn cash rebates up to 8% when you spend on petrol, cinema tickets, and phone bill.
    • All other retail transactions will fetch you an unlimited cash rebate of 0.2%.
    Additional Points Description
    How to Use It
    • Swipe your UOB ONE Platinum Credit Card to pay for your retail purchases.
    • Earn cash rebates based on the amount you spend on each of the participating categories.
    • The accumulated cash rebates can be used to set-off the outstanding balance of your card.
    Good about It
    • Earn SMART$ rebates for the purchases made at the participating SMART$ merchant outlets, such as Girls, My Diamond, Super Tanker, Bee Cheng Hiang, and PARKROYAL Kuala Lumpur.
    • Enjoy RM20 off grocery bill on the Honestbee website and mobile application under the MONEday: ONE Card day programme.
    Keep in Mind
    • You can get cashback only when you purchase groceries at the participating grocery stores, such as AEON BiG, Tesco, Cold Storage, Giant, and Jaya Grocer.
    • The discount on Honestbee purchases is valid only if you spend a minimum of RM150 in a single receipt.

    Who Should Get It

    • Those who use their card to pay bills, cinema ticket purchases, groceries, and more.

    Hong Leong Bank WISE Gold Credit Card

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    10% cash rebate up to RM100

    RM2,000

    RM250

    The Hong Leong Bank WISE Gold Credit Card provides cash rebates on the 2 categories you choose from a host of available options, such as dining, pharmaceuticals, utility bills, and petrol.

    Key Benefits

    • Get up to 10% cashback on grocery purchases.
    • Choose the categories based on your requirements and switch between them whenever your requirements change.
    Additional Points Description
    How to Use It
    • Pay for all your retail transactions with the Hong Leong Bank WISE Gold Credit Card.
    • Earn cashback on the amount you have spent on the chosen categories.
    • The cashback can be used to set-off the outstanding balance of your card.
    Good about It
    • Get cashback on the default category chosen by the bank in addition to the 2 categories you choose.
    • Share the benefits of the card with your family via supplementary cards.
    Keep in Mind
    • You can earn a maximum cashback of RM100 every month.
    • The cashback is provided when your monthly spend is a minimum of RM2,000.

    Who Should Get It

    • Those who want to save more on their purchases.

    AmBank BonusLink Platinum Credit Card

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    10x BonusLink Points

    RM10

    RM450 Waived for the first 2 years

    The AmBank BonusLink Platinum Credit Card is a combination of a credit card and a BonusLink Card. It requires you to earn a minimum of RM48,000 to qualify for the card. You will be rewarded for the retail purchases you make in Malaysia and overseas.

    If you like to dine out occasionally, this card also lets you enjoy exclusive dining privileges at participating SPG Hotels & Resorts in Malaysia.

    Key Benefits

    • Earn 10x BonusLink Points for every RM10 you spend on grocery, dining, online purchases, entertainment, Shell petrol, and Parkson transactions.
    • Get 3 BonusLink Points for every RM10 you spend on the other local retail purchases.
    • Every RM6 spent on overseas purchases will get you 6 BonusLink Points.
    Additional Points Description
    How to Use It
    • Use the AmBank BonusLink Platinum Credit Card to pay for your grocery purchases and other retail transactions.
    • Earn reward points based on the categories you spend on.
    • Redeem gifts, vouchers, and cash with the accumulated reward points.
    Good about It
    • Get a travel insurance coverage of up to RM1 million.
    • Make on-the-spot redemption of the accumulated BonusLink Points at more than 1,100 merchant outlets across the globe.
    • Redeem cash with the BonusLink Points you have accumulated over a period of time. The conversion rate is 5,700 BonusLink Points = RM50.
    Keep in Mind
    • The BonusLink Points are valid for a period of 3 years.
    • From the third year onwards, the annual fee can be waived if you make a minimum of 12 transactions over a year.

    Who Should Get It

    • Those who want to save on their retain purchases.

    Citi Cash Back Platinum Credit Card

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    Up to 10% cashback

    None

    RM195

    The Citi Cash Back Platinum Credit Card gives you cashback on your grocery, petrol, dining, and GRAB ride expenses. This card comes with numerous categories and merchants that you can shop with. The cashback you earn is automatically transferred to your account.

    Key Benefits

    • Get 10% cashback on grocery, petrol, dining, and GRAB rides.
    • Earn 0.2% cashback on all other retail purchases made with your card.
    • Enjoy automatic transfer of cashback into your account.

    How to Use it

    • Swipe this card for all your grocery and dining expenses.
    • Use your card to pay for petrol and to book GRAB rides.
    • Earn cashback every time you use your card.
    Additional Points Description
    Good About it
    • You can charge your recurring bills to your card under Citibank One Bill.
    • Enjoy various offers and benefits at over 24,000 hotels, boutiques, restaurants, golf resorts, and retail stores.
    • Various discounts and offers on a wide range of healthcare packages.
    Keep in Mind
    • 10% cashback is only applicable if your minimum spending is RM1,500 and above on your card.
    • 10% cashback on groceries, petrol, dining, and GRAB rides is capped at RM15 per category for each billing month.
    • If your monthly spend is less than RM1,500, expenses from all retail categories will only earn you 0.2% cashback.
    Who Should Get it?
    • Those who use their card for grocery, petrol, and dining expenses.
    • Those who use GRAB rides frequently.

    CIMB Cash Rebate Platinum Credit Card

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    Up to 5% cashback

    None

    Waived for life

    The CIMB Cash Rebate Platinum Credit Card not only lets you save on groceries but it also allows you to save just as much on other retail expenses. With this card, you will earn cash rebate of 5% on various categories including utility, entertainment, and petrol.

    Key Benefits

    • Get up to 5% cashback on all grocery, cinema, and petrol expenditures.
    • Get up to 5% cashback on mobile and utility bill payments.
    • Earn 2% cashback on all transactions made in foreign currency.
    • Enjoy unlimited cashback of 0.2% on all other online and retail spends.
    Additional Points Description
    Good About it
    • Use your card at partner grocery stores to earn cashback.
    • Use your card overseas or in Malaysia.
    • Swipe your card for any other shopping need and earn unlimited cash rebate.
    Keep in Mind
    • It has a low minimum income requirement at RM24,000 p.a.
    • Waiver of annual fee for life for both the principal and the supplementary card.
    • You get a complimentary Touch N' Go Zing Card.
    Who Should Get it?
    • The 5% cash rebate is only applicable when you spend RM3,000 and above in a month.
    • You only get 2% if you spend less than RM3,000 in a month.
    • Maximum amount of rebate you can earn in either case is RM30 per month per card.

    Who Should Get it?

    • Those who want to get cashback on all their monthly retail spends.
    • Those who want to save more money on their groceries.
    • Those who use their card to make purchases in foreign currencies.

    Public Bank Visa Signature Credit Card

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    Get cashback on all your purchases with the PB Visa Signature Credit Card. Whether you are buying groceries, dining out, or shopping online, you can save money by getting cash rebates with this card. Moreover, you can also earn VIP Points for other retail transactions. You also enjoy a wide range of travel benefits with this card.

    Key Benefits

    • Earn 6% cashback on grocery, dining, and online shopping expenses.
    • Get 1 VIP Point for every RM1 spent on other retail transactions.
    • Enjoy complimentary access to any Malaysia Plaza Premium Lounge.
    Additional Points Description
    Good About it
    • Swipe your card to get cashback every time you buy groceries or dine out.
    • Use this card for all your online transactions.
    • Redeem the accumulated VIP Points for AirMiles, gift vouchers, and other merchandise from the redemption catalogue.
    Keep in Mind
    • Annual fee waiver for the first year. If you swipe your a card at least 12 times in a year, the annual fee for the subsequent years will also be waived.
    • Free automatic travel insurance of up to RM500,000.
    • Convenient payment using Visa payWave.
    • 24/7 assistance from the Signature Help Desk.
    Who Should Get it?
    • The 6% cashback is capped at RM38 per billing cycle.
    • The complimentary Malaysia Plaza Premium Lounge access can only be used two times a year.

    Who Should Get It?

    • Those who use their card for buying groceries and dining out.
    • People who prefer to use their card to make online purchases.
    • People who are looking for additional travel related benefits.

    Alliance Bank Platinum Credit Card

    Card Name
    Grocery Shopping Benefits
    Minimum Monthly Spending Criteria
    Annual Fee
    Know More

    2x Timeless Bonus Points

    None

    RM438

    The Alliance Bank Platinum Credit Card earns you Timeless Bonus Points (TBP) when you use it to buy groceries. You can also earn these points on other transactions, both overseas and locally. With this card, you also enjoy exclusive shopping privileges and travel related benefits.

    Key Benefits

    • Earn 2x TBPs for every RM1 spent on grocery, petrol, and utility expenses.
    • Earn 1x TBPs for every RM1 spent on all other retail purchases.
    • Get 3x TBPs for every RM1 that you spend overseas.
    • Get shopping privileges and offers from partner merchants.
    • You can take a cash advance of up to 100% of your credit limit.
    • You can redeem your accumulated Timeless Bonus Points for Airline Miles.
    • Enjoy unlimited complimentary access to KLIA Plaza Premium Lounge.
    Additional Points Description
    Good About 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 and gift vouchers.
    Keep in Mind
    • Assistance from dedicated Customer Service Hotline.
    • 0% p.a. profit rate on instalment payment plans at participating merchants.
    • Timeless Bonus Points don’t expire.
    • Annual fee waiver with easy conditions (minimum spend of RM5,000 or 12 swipes within a year)
    • No liability on the lost card upon reporting.
    • 20-day interest-free period.
    Who Should Get it?
    • The minimum income requirement for this card is RM60,000 p.a.
    • The interest-free period is not applicable to cash advances.
    • TBPs are not applicable for government transactions.

    Who Should Get it?

    • Those who use their card to buy groceries.
    • Those who use their card to pay for utilities.
    • Those looking for travel related benefits on their card.
    • Those who are looking for shopping benefits on their card.

    How to Choose the Best Card for Grocery Shopping?

    To find the best grocery credit card from multiple options, it’s vital that you know every aspect of each of these cards – the amount of rebate, the reward points on offer as well as additional features and benefits. This way, you can weigh up all your options and see which card is right for you. Most credit cards that gives you cashback or rebates lets you save more on your grocery shopping expenses.

    You should also remember to read the terms and conditions of each card thoroughly so you’re aware of any monthly cap on rewards or rebates and if there are any other charges to use the card.

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

    Review

    Considering the above list of cards, the AmBank BonusLink Platinum Credit Card stands out as it does not have a minimum spend criteria to earn cashback on grocery spends. Also, it does not have a capping on the reward points you can earn except for the categories on which 10x BonusLink Points are provided. A maximum of 3,000 BonusLink Points per month will be awarded under the segment

    As far as grocery shopping is concerned, you can earn 10x BonusLink Points, i.e. 30 BonusLink Points per RM10 spent. Also, the card provides reward points on many other categories.

    Illustration

    Consider a scenario where you have spent RM700 on groceries, RM200 on Shell Petrol, RM120 on online purchases, RM700 on other local retail purchases, and RM250 on overseas purchases. Based on the card’s rewards programme, you can earn the following number of reward points:

    Spend Category Spent Amount Rewards Programme Rewards Calculation BonusLink Points Earned
    Grocery RM700 10x BonusLink Points* (30 x RM700)/10= 2,100 2,100
    Shell Petrol RM200 10x BonusLink Points* (30 x RM200)/10 = 600 600
    Online Purchases RM120 10x BonusLink Points* (30 x RM120)/10 = 360 360
    Local Retail Purchases RM700 3 BonusLink Points for RM10 (3 x RM700)/10 = 210 210
    Overseas Purchases RM250 6 BonusLink Points for RM10 (6 x RM250)/10 = 150 150

    *As per the BonusLink Rewards Programme, you can earn 3 BonusLink Points for every RM10 you spend locally. 10x BonusLink Points considers 10 x 3 Bonus Link Points, i.e. 30 BonusLink Points for every RM10 spent.

    Based on the capping policy of the card, you cannot earn more than 3,000 BonusLink Points on the 10x BonusLink Points scheme. On that note, even if you are eligible for 3,060 points, only 3,000 points will be credited to your account. When it comes to local retail purchases and overseas transactions, you will collectively earn 360 points.

    On the whole, you will receive 3,360 BonusLink Points for spending RM1,970.

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