• 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 1st July 2018

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

    RM1,500

    Up to 10% cashback

    RM195.

    Less than RM1,000

    2% cashback during the weekends and 1% cash rebate on weekdays.

    RM68.

    RM500 to RM800

    RM800 to RM1,500

    RM1,500 or more

    2% cashback

    3% cashback

    5% cashback

    RM175.

    RM3,000 or more

    Less RM3,000

    5% cashback

    2% cashback

    Waived for life

    None

    2x Timeless Bonus Points (TBPs)

    RM438.

    More than RM1,500

    RM1,500 or below

    6% Cashback

    3% Cashback

    Platinum: RM300

    Gold: RM150

    None

    5x Citi Rewards Points

    RM600.

    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.

    UOB One Card

    UOB One Card helps you save on your monthly grocery expenses. The card also gives you a high rate of cashback on various retail transactions. You can get a cashback of more than RM900 every year with the help of this card.

    Key Benefits

    • Earn a cashback of 2% every month on your grocery shopping.
    • Get up to 5% cashback on petrol purchases.
    • Obtain an unlimited cashback up to  8% at Golden Screen Cinemas.
    • Get 2% cashback on telecommunication transactions.
    • Get a cash rebate of 0.2% on other retail transactions with no cap on rebates.
    • Get a discount of 15% at over 150 restaurants across Malaysia.
    • Get SMART$ Rebates on shopping purchases at partnering merchants.
    Additional Points Description
    How to Use It
    • Purchase grocery, petrol, cinema tickets, and other items with the help of your card.
    • Get cash rebates added to your account with every transaction.
    Good about It
    • Higher rate of cashback during weekends.
    • No minimum spend requirement to be eligible for cash rebates.
    • No limit on the cash rebates earned with cinema tickets.
    Keep in Mind
    • The maximum cash rebate you can earn per month on grocery shopping is subject to a maximum spend of RM1,000.
    • The cash rebate with grocery is applicable only at the following merchants: Aeon Big, Giant, Jaya Grocer, Tesco, and Cold Storage.

    Who Should Get It

    • Those who want to increase savings on their grocery shopping.
    • Those who use their own vehicles for everyday traveling.
    • Movie buffs.

    Standard Chartered Cashback Platinum Mastercard

    Standard Chartered Cashback Platinum Mastercard comes with a 5% cashback with all retail transactions made per month.

    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.

    CIMB Cash Rebate Platinum Credit Card

    The CIMB Cash Rebate Platinum Credit Card helps you boost your monthly savings with a high cashback on grocery shopping and other retail transactions. The card comes with a lifetime annual fee waiver for both primary and supplementary cards.

    Key Benefits

    • Obtain a cash rebate of 5% with all grocery related transactions.
    • Earn 5% cash rebate on purchases of petrol, cinema, and utility bill payment.
    • Earn a cash rebate of 2% on online and overseas purchases.
    • Get unlimited cash rebate of 0.2% on other retail purchases.
    • Use the complimentary Touch ‘n Go Zing card to perform faster checkouts at toll booths.
    • Enjoy lifetime annual fee waiver on the primary and supplementary cards.
    Additional Points Description
    How to Use It
    • Pay your retail transactions with this card.
    • Reach the minimum spend amount eligible for the cashback on a monthly basis.
    • Earn cash rebate transferred to your account based on the amount you spend every month.
    Good about It
    • Lifetime annual fee waiver for primary and supplementary card.
    • Unlimited cash rebate on all retail purchases excluding cinema, grocery, bill payment, and petrol.
    • Annual income requirement is RM24,000.
    • Cash rebates earned on various types of retail transactions.
    Keep in Mind
    • The monthly cap on cash rebate is RM30.
    • You can earn 5% cash rebate only when you spend at least RM3,000 every month.
    • If you spend less than RM3,000 every month, you can earn cash rebate at a rate of 2%.

    Who Should Get It

    • Those who want to save more on their monthly groceries.
    • Movie buffs.
    • Those who travel using their own vehicle.
    • Those who love to shop online.

    Alliance Bank Platinum Credit Card

    The Alliance Bank Platinum Credit Card earns you Timeless Bonus Points with every retail purchase. You can accumulate these points to redeem for air miles.

    Key Benefits

    • Earn 3x TBPs with all purchases made overseas using this card.
    • Earn 2x TBPs with purchases of grocery, utility, and petrol.
    • Get 1x TBPs with all other categories of retail purchases.
    • Use 6,000 TBPs to get 1,000 Enrich Miles or 3,000 TBPs to get 1,000 AirAsia BIG Points.
    • Enjoy various benefits related to shopping at participating merchants.
    • Withdraw up to 100% of the credit limit in the form of cash anytime you require.
    • Gain unlimited access to Plaza Premium Lounge at KLIA.
    Additional Points Description
    How to Use It
    • Use your card for grocery, petrol, and overseas purchases.
    • Earn TBPs with every transaction.
    Good about It
    • Never-expiring Timeless Bonus Points.
    • Fast air mile redemption.
    • Unlimited access to Plaza Premium Lounge.
    Keep in Mind
    • The income requirement is RM60,000 p.a.
    • Annual fee waiver for a minimum annual spend of RM5,000, or 12 swipes each year.

    Who Should Get It

    • Those who shop overseas.
    • Those who need fuel on a daily basis.

    Hong Leong The Store & Pacific Credit Card

    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

    • Get up to 6% cashback on all the purchases you make at The Store & Pacific.
    • Earn a cashback of 0.5% on all other retail transactions made using the card.
    • Get cashback in the form of The Store & Pacific gift vouchers.
    • Swipe your card once in the first 45 days of approval to get an annual fee waiver.
    • Get items at special prices only at The Store & Pacific.
    • Enjoy various privileges at a range of restaurants, hotels, and retail outlets across Malaysia.
    Additional Points Description
    How to Use It
    • Use this card to make purchases at The Store & Pacific.
    • Get cashback with every purchase in the form of The Store & Pacific vouchers.
    • Use these vouchers to get discounts on the items you buy.
    Good about It
    • High rate of cashback with purchases made at The Store & Pacific.
    • Annual fee waiver for first year with just one swipe in the first 45 days.
    • Promotions and sales offers provided by The Store & Pacific.
    • Multiple privileges at partner retail outlets, restaurants, and hotels.
    Keep in Mind
    • The amount you need to spend per month to get 6% cashback is RM1,500.
    • To get the annual fee waiver on this card from 2nd year onwards, you need to swipe the card at least 12 times a year.

    Who Should Get It

    • Those who purchase at The Store & Pacific.
    • Those who wish to save more on their grocery expenses.

    Citi Rewards Card

    Earn rewards with every purchase you make at major supermarkets and hypermarkets with your Citi Rewards card. You can use this card anywhere locally and overseas.

    Key Benefits

    • Earn 5x Citi Rewards Points with purchases made at major departmental stores like AEON, AEON Big, Parkson, Marks & Spencer, Tangs, and many more.
    • Get 5x Citi Rewards Points with purchases made at supermarkets like Giant, Cold Storage, B.I.G Ben’s Independent Grocer, Tesco, Village Grocer, and many more.
    • Earn 5x Citi Rewards Points with every purchase made overseas.
    • Get 1x Citi Rewards Points with every other retail purchase.
    • Pay for your purchases with the help of Citi Rewards Points.
    • Get access to Plaza Premium Lounge in KLIA 5 times per year.
    • Enjoy VIP privileges at Visa and Mastercard luxury hotel collection.
    • Get discounts at green fees with the help of this card.
    Additional Points Description
    How to Use It
    • Use this card to make grocery purchases at participating hypermarkets and supermarkets.
    • Get Citi Rewards Points with every transactions made overseas or at the partnering departmental stores and supermarkets.
    • Use these points to reduce the credit card balance.
    Good about It
    • Citi Rewards points earning with every grocery purchase.
    • Use Citi Rewards Points to decrease the credit limit.
    Keep in Mind
    • Citi Rewards Points will be earned with transactions worth RM200 or more per receipt.
    • The maximum Citi Rewards Points can be earned with a maximum spend of RM3,000 per month at local supermarkets.
    • The maximum Citi Rewards Points can be earned with a maximum spend of RM24,000 per month overseas.

    Who Should Get It

    • Those who shop at local hypermarkets, departmental stores, and supermarkets.
    • Those who make overseas purchases.

    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
    Citi Cash Back Platinum Credit Card

    RM1,500

    Up to 10% cashback

    UOB One Card

    Less than RM1,000

    2% cashback during the weekends and 1% cash rebate on weekdays.

    Standard Chartered Cashback Platinum Mastercard

    RM500 to RM800

    RM800 to RM1,500

    RM1,500 or more

    2% cashback

    3% cashback

    5% cashback

    HSBC Amanah MPower Visa Platinum Credit Card-i RM2,000

    8% cashback

    CIMB Cash Rebate Platinum Credit Card

    RM3,000 or more

    5% cashback

    Alliance Bank Platinum Card None 2x Timeless Bonus Points (TBPs)
    Hong Leong The Store & Pacific Credit Card

    More than RM1,500

    6% Cashback

    Citi Rewards Card

    None

    5x Citi Rewards Points

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