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4 Credit Cards That Every Singaporean Family Needs

June 5, 2017

Having a family in Singapore can be expensive, save more on your day to day expenses with these Credit Cards!

Great General Purpose Family Credit Cards


NTUC Plus! Visa Card

What We Like

  • Up to 12% savings on groceries at FairPrice, 8% off at Fairprice online
  • Up to 18.5% savings on petrol at Esso and 18% off at Caltex
  • 3% off at Unity stores
  • 3% off at Popular


What We Hate

  • Need to spend $400 or more outside of NTUC to qualify for 12% discount
  • Need to credit Salary of at least $1,000 into your NTUC-OCBC Starter Account in the same month to qualify for 12% discount


Citibank SMRT Card

What We Like

  • 5% savings on groceries at FairPrice, Giant, Sheng Siong and Up to 7.3% savings* at FairPrice Xtra Kallang Wave
  • 5% savings on Fast Food, Movies & Coffee
  • Get up to 5% savings* on toys and books at POPULAR Bookstores and Toys”R”Us when you spend with your Citibank SMRT Card.
  • Can be used as an auto-reload EZlink card


What We Hate

  • Need to spend $300 or more to get the last 0.3% of Rebates
  • 5% rebate on groceries is only awarded for transactions of $50 and above


Cards That Save On Groceries

One of the largest expenses for every family, is groceries and with the cost of daily necessities constantly on the rise, saving on your groceries will go a long way to help you balance your budget!


UOB Delight Card

What We Like

  • 8% Off at Cold Storage, Market Place, Jasons, Giant and Guardian.
  • 10% discount off Cold Storage House Brands
  • Additional 10% Rebate Storewide At Cold Storage
  • Enjoy 3% SMART$ rebate on select recurring bills, and Auto Top-ups for MRT/LRT, public bus, Comfort & CityCab and SMRT taxis, ERP and CEPAS-compliant car park charges

What We Hate

  • Need to spend $800 or more to qualify for 8% rebate on groceries
  • Rebates capped at 50 SMART$ / Month


Cards That Save On Transport

Fetching your children to and from school is more than just time consuming, it can also be expensive! With petrol costs rising and Uber and Grabcar surging everywhere, getting you and your child home can cost you a bomb!

Citibank Cash Back Card

What We Like

  • 20% off all grab rides till 6th July 2017 (8% thereafter)
  • Up to 20.88% savings at Esso and Shell
  • 8% Cash back on dining and groceries

What We Hate

  • High total retail spend of $888 needed, otherwise you’ll only get 0.25% cashback
  • Cashback is capped at $50/ Month


We hope you enjoyed our take on the top 4 Family Credit Cards for the Singaporean family! If you have a comment leave a message in the box below! Love what we wrote, share us on Facebook with your friends!

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Wayne Quek

Wayne is a Chartered Financial Analyst (CFA), and holds a Bachelor of Business Management (Finance) from Singapore Management University (SMU). A successful Relationship Manager during his time with DBS and HSBC, Wayne used his expertise in financial markets to help his clients build up comprehensive investment portfolios. The entrepreneur is also the founder of Home Loan Whiz, a mortgage consulting firm that assists clients with selecting ideal mortgages for their needs.

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