Best Credit Cards for Families (2023): Vacations, Groceries, Dining, Petrol & More

Are you doing your weekly groceries and planning on bringing your kids out for a meal?

Or are you organising a family gathering soon?

While you are already spending on so many things at once, why not earn some rebates, cashback or miles so that you can optimise your spending?

Let’s find out which cards are the best for families in Singapore!

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TL;DR: Best Family Cards For Vacations, Family Outings, Groceries, Dining & More

Best family credit card for:

• All types of usage, including bill payment
• Groceries/Dining out/Restaurants
• Family Vacations

Disclaimer: The various credit cards all have their respective terms and conditions. So please read through them before deciding which credit card to get! Note that information is accurate as of 22 August 2023 and that promotions are subject to change without prior notice.

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Best Family Credit Card For All Usage

OCBC 365 Credit Card

The OCBC 365 is an all-rounder card for families that own a car and for those who dine out or order food deliveries often.

It offers up to 6% monthly cashback for all petrol stations and up to 5% monthly cashback for local/overseas dining, as well as online food delivery such as GrabFood and FoodPanda!

You can even pay bills with this card and still earn cashback.

Do note that there is a minimum local spend of $800 per calendar month (capped at $80), so this is for families that spend minimally this amount.

Here’s a glance at the cashback you can earn across various categories:

Eligibility

• Age: 21 years old and above
• Minimum annual income: $30,000 and above for Singaporeans and Singapore Permanent Residents (PR); $45,000 and above for Foreigners

Seedly & SingSaver Exclusive

From now till 30 August 2023, you can receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth $503.65), or an Apple Bundle [AirPods Pro (Generation 2) + MagSafe Charger] (worth $421.90), or $350 eCapitaVoucher or $250 Cash via PayNow.

Promotion Criteria:

• Promotion is valid for new OCBC credit card holders only
• Spend at least $500 on eligible purchases within 30 days of card approval
• Promotion is valid until 30 August 2023
• Terms and Conditions. Click here

Do note that iPad will be till 22 Aug only, and from 23 Aug onwards it will be swapped out with Apple Watch SE Gen2 40mm. The OCBC campaign will only last till 30 August and a new promotion will happen from 31 Aug to 30 Sep.

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Maybank Family Friends Card

Maybank’s Family and Friends Credit Card offers cash rebates of up to 8% on daily essentials like groceries, dining and transport across Singapore and Malaysia.

Some crowd favourite merchants from supermarkets like DON DON DONKI, RedMart, Deliveroo or Foodpanda for food delivery, Grab / GOJEK rides for Transport, Disney+ and Netflix for Streaming services.

By using this card, you can earn up to 8% cashback (Up to $125 in total per calendar month, capped at $25 per category) by spending across most lifestyle categories: Groceries, Dining & Food Delivery, Transport, Data Communication & online TV Streaming, Retail & Pets, Online Fashion, Entertainment, Pharmacy, Sports & Sports Apparel, and Beauty & Wellness.

But first, you need to hit a minimum of $800 local spend per calendar month to earn the 8% cashback. But even if you do not hit this minimum spend, you can still receive unlimited 0.3% of rebates. After reaching the monthly cashback cap for a selected category, 0.3% cashback apply to further spending that month

Also, if you’re planning on paying bills using this card via AXS, you can earn an additional 8% cashback, with no minimum spend required.

Eligibility

• Age: 21 and above
• Annual Income:

• • $30,000 for Singapore Citizens or Singapore Permanent Residents
  • $45,000 for Malaysia Citizens, in employment for at least 1 year
  • $60,000 for other nationalities, in employment for at least 1 year

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Best Family Credit Card For Dining, Groceries, Petrol & Entertainment

Bank of China Family Card

The Bank of China Family Card has consistently upheld its reputation as one of Singapore’s prime cashback credit cards tailored for families. With the potential to reap a cash rebate of up to $1,200 annually, it offers notable benefits.

Presently, a generous 10% cashback awaits you on dining and movie expenses, while online purchases, groceries, Telco bills, and transportation each can earn you a favourable 3% cashback, with other spends earning 0.3% cashback.

When you spend at certain merchants, including Watsons and Unity Pharmacy, you can also earn up to 5% cashback. The only drawback is the monthly cashback cap of $25 per category, so make sure to track your spending for each category.

Eligibility

• Age: 21 and above
• Supplementary applicants: Age 18 and above
• Singaporeans/PR: Annual income of $30,000 and above; An annual income of $60,000 and above for Foreigners

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HSBC Visa Platinum Credit Card

Similar to OCBC 365, the HSBC Visa Platinum offers a 5% cash rebate on categories such as dining, groceries, and petrol. There are also no annual fees to pay as the card doesn’t have one.

Do note that there is a $250 rebate cap per calendar quarter, and you will need to make a minimum local spend of $600 per month (i.e. for all three months) to qualify for the quarterly rebates.

You can also earn an additional 1% cashback for transactions on your HSBC Everyday Cashback+ credit card or HSBC Everyday Global debit card. This cashback is capped at $300 per calendar month.

Here’s what you can expect to earn when using the HSBC Visa Platinum Credit Card:

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Citi Cash Back Plus Card

The Citibank Cash Back Plus Card stands as a no-frills cashback credit card choice, you can earn 1.6% cashback on any eligible spends! 

This option is especially fitting for families that don’t have high expenditures as there is no minimum spend to meet. There is also no cap on any cashback (i.e. unlimited cashback) earned.

There is also an easy way to redeem your cashback for cash rebates where you can simply send an SMS via the Citibank app.

There is currently a welcome offer of up to $320 cashback (or 8% cashback) eligible for new Citi Cardmembers with qualifying spending up to $4,000 in the first two months!

If you’re an existing Citi Plus member (Citibank’s Premier Banking customer), you can earn 0.4% Bonus Cash Back on your spending too.

Eligibility

• Age: 21 years old and above
• Citizenship: Singaporeans, PRs & Foreigners
• Minimum annual income: $30,000 and above for Singaporeans and Singapore PRs; $42,000 and above for foreigners

Ongoing Promotion

You can receive a Dyson Supersonic (worth S$699) or Dyson V8 Slim Fluffy (worth $509) or Nintendo Switch OLED (worth $549) or $300 cash via PayNow, when you activate and spend a minimum S$500 within 30 days of card approval.

The promotion is valid till 3 Sep 2023.

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Best Family Credit Card For Family Vacations

UOB Lady Card and UOB Lady Solitaire Card

Do you know that the UOB Lady’s credit card series are also made available for men now?

You can earn up to 6 miles per dollar (6mpd) now with UOB Lady’s and UOB Lady Solitaire, capped at $1,000 (UOB Lady’s Card) or $3,000 (UOB Lady’s Solitaire & Solitaire Metal Card) per calendar month.

The difference between the two cards is the income requirement and that UOB Lady’s Solitaire allows you to choose TWO bonus categoriesPreview (opens in a new tab) to earn bonus UNI$ from these categories:

• Beauty & Wellness
• Fashion
• Dining
• Family (including groceries)
• Travel
• Transport (including petrol)
• Entertainment (nightlife, movies).

For family travel expenses, you can select ‘Travel’ as your bonus category, and another category to suit your family’s needs.

Do remember to get travel insurance before you fly off too!

UOB Lady’s Card Eligibility

• Age: 21 years and above
• Singaporean/PR: A minimum annual income of $30,000 OR Fixed Deposit collateral of at least $10,000

UOB Lady Solitare Card Eligibility

• Age: 21 years and above
• Singaporean/PR/Foreigners: Minimum annual income of $120,000 is required OR Fixed Deposit collateral of at least $30,000.

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Honourable Mention: CIMB World Mastercard

The CIMB World Mastercard offers an unlimited 2% cashback on spending in categories such as Wine & Dine, Online Food Delivery (Deliveroo, Foodpanda, GrabFood, WhyQ, and AirAsia Food), Movies & Digital Entertainment, Taxi & Automobile, and Luxury Goods with a minimum spend of $500*. This promotion is only until 31 Oct 2023, after which, the min. spend will be $1,000.

This makes CIMB World Mastercard a good choice for those who enjoy social outings and dining out.

For all other spends, card users can receive an unlimited 1% cashback with a minimum spend of $500, and there is no cashback cap at all.

Lastly, cardholders can enjoy access to over 1,000 lounges in more than 60 airports globally via LoungeKey!

*For spending below $500 posted in the statement month, 1% unlimited cashback will be awarded instead. After 31 Oct, you will need to hit a min. spend of $1,000 to ear the unlimited 2% cashback.

Eligibility

• Age: 21 years old and above
• Citizenship: Singaporeans and PRs only
• Minimum annual income: S$30,000 and above per annum

Ongoing Promotions

And to top it off, you can earn a bonus of 1% unlimited cashback with min. spend of $2,500 posted in the same statement month!

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