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Best Grocery Shopping Credit Cards

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

Updated on 3rd December 2018

Credit Card Monthly Spend requirement Grocery Shopping Benefit
UOB ONE Platinum Credit Card

None

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

CIMB Tesco Platinum Credit Card

RM3,000

Up to 5% cash rebate at Tesco everyday capped at RM50 per month

Public Bank Visa Platinum Credit Card None

Unlimited Cash MegaBonus of 0.2% on local and overseas retail spends

Hong Leong Bank WISE Gold Credit Card

RM2,000

10% cash rebate up to RM100

AEON BiG Visa Gold Credit Card None Up to 5% cashback capped at RM100 per month
AmBank BonusLink Platinum Credit Card

RM10

10x BonusLink Points

Alliance Bank You:nique Rebates Credit Card

RM2,001 - RM3,000

Up to 3% unlimited cashback on all retail purchases every month

Here are the Best Grocery Shopping Credit cards in Malaysia 2018

Updated on 3rd December 2018

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

RM3,000

Up to 5% cash rebate at Tesco everyday capped at RM50 per month

Waived for life

None

Unlimited Cash MegaBonus of 0.2% on local and overseas retail spends

RM333

10% cash rebate up to RM100

RM2,000

RM250

None

Up to 5% cashback capped at RM100 per month

RM195.

10x BonusLink Points

RM10

RM450 Waived for the first 2 years

RM2,001 - RM3,000

Up to 3% unlimited cashback on all retail purchases every month

RM148

*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.

CIMB Tesco Platinum Credit Card

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

RM3,000

Up to 5% cash rebate at Tesco everyday capped at RM50 per month

Waived for life

If you do most of your shopping at Tesco stores, then you should check out the CIMB Tesco Platinum Credit Card. Apart from cash rebates on daily purchases made at Tesco stores, you also get a Tesco Clubcard for free where you can earn points with every spend.

Key Benefits

  • Get as much as 5% cashback on daily retail spends made at participating Tesco stores.
  • Get a Tesco Clubcard for no extra charge.
  • Earn extra Tesco Clubcard Points with every eligible retail spend you make at Tesco stores.
  • Tesco Clubcard Points can also be earned with other retail spends.
  • Contactless payment technology for added convenience.
Additional Points Description
How to Use It
  • Buy your monthly grocery and other products at Tesco stores using this card.
  • Get a cashback of up to 5% and Tesco Clubcard Points every day based on the total amount spent per month.
Good about It
  • High rate of cashback earning with grocery purchases made at Tesco stores.
  • The annual fee for the principal and supplementary credit card is waived for life.
  • Low minimum income requirement of RM24,000 p.a.
Keep in Mind
  • The monthly cap on cashback is RM50.
  • 5% cashback is applicable only with monthly spend of RM3,000 or more.
  • For a monthly spend of below RM3,000, the cashback rate for eligible purchases is 2%.

Who Should Get It

  • Those who wish to earn rewards for all their monthly retail spends.
  • Those who want to enhance their monthly grocery-related savings.

Public Bank Visa Platinum Credit Card

The Public Bank Visa Platinum Credit Card is a no-nonsense card on this list that offers unlimited cashback on all retail transactions made with this card every month. You also get complimentary travel insurance cover and platinum-level privileges.

Key Benefits

  • Earn 0.2% unlimited Cash MegaBonus on all retail purchases made using this card.
  • Open a Public Bank Current Account without an introducer.
  • Platinum Help Desk for 24/7 assistance.
  • Convenient, contactless payment technology for everyday spends - Visa payWave.
  • Get complimentary travel insurance cover of up to RM500,000.
Additional Points Description
How to Use It
  • Make purchases and carry out retail transactions using your Public Bank Visa Platinum Credit Card.
  • Get unlimited rebates based on the amount you spend on eligible retail transactions every month.
Good about It
  • Enjoy an annual fee waiver for the first year.
  • Cashback with all retail transactions.
  • Get an annual fee waiver for subsequent years with a minimum spend of RM20,000 per year.
Keep in Mind
  • Complimentary travel insurance is valid only if the entire cost of flight tickets is charged to the card.

Who Should Get It

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

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.

AEON BiG Visa Gold Credit Card

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

None

Up to 5% cashback capped at RM100 per month

RM195.

The AEON BiG Visa Gold Credit Card is one of the more interesting offerings on this list of best grocery credit cards. Drop by an AEON BiG store on the 28th of every month—the AEON BiG Thank You Member Day—and you can earn 5% cashback on your retail spends made in the outlet.

You can also earn Member Points for every RM1 that you spend at AEON BiG stores across Malaysia. These points can then be redeemed for rebates on future retail spends made at the store.

Key Benefits

  • 5% cashback on retail spends made at an AEON BiG store on the 28th of every month.
  • 4x AEON BiG Member Points on the 10th of every month at AEON BiG stores throughout Malaysia.
  • 5% cashback every day on Visa payWave transactions made at AEON BiG stores.
  • 5% cashback on petrol transactions every Sunday.
  • 2% rebate on online and overseas retail expenses.
Additional Points Description
How to Use It
  • Head over to an AEON BiG store on the 28th of every month to earn rebates on your grocery spends.
Good about It
  • Complimentary travel personal accident insurance worth up to RM200,000.
  • 3x access to Plaza Premium Airport Lounges across Malaysia every year.
Keep in Mind
  • AEON BiG Thank You Member Day rebate is limited to RM100 per month.
  • Visa PayWave transaction rebate is capped at RM25 per month.
  • Cashback on petrol spends is limited to RM25 per month.

Who Should Get It

  • Those who shop at AEON BiG stores regularly.
  • Those who are looking to save on other retail expenses along with grocery spends.

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.

Alliance Bank You:nique Rebates Credit Card

Earn cashback without any restrictions when you shop at grocery stores or make other retail spends with the Alliance Bank You:nique Rebates Credit Card. That’s not all; there’s no limit on the amount of cashback you can earn on eligible retail expenses.

Key Benefits

  • Get up to 3% unlimited cashback on all retail purchases every month.
  • Transfer outstanding balance from other banks' cards for a lower interest rate.
  • Upload your own image and get a personalised credit card.
Additional Points Description
How to Use It
  • Use this card when you shop at grocery stores and earn unlimited rebates.
  • You can also use this card for all other retail spends to earn more rebates.
Good about It
  • Cash rebates can be earned without any restrictions on petrol, groceries, or specific merchants.
  • 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.
Keep in Mind
  • 3% cash rebate is subject to a minimum monthly spend of RM2,001 - RM3,000.
  • For spends between RM1,001 - RM2,000, cash rebate is capped at 1.5%.
  • For spends up to RM1,000, cash rebate is capped at 0.5%.
  • Cash rebate for spends above RM3,000 in a month will drop to 0.3%.

Who Should Get It

  • Those who shop at grocery stores.
  • Those who wish to save on their petrol or any other retail expenses.

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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