Best Credit Cards with Cashback for Supermarkets

Managing everyday expenses, such as grocery shopping, can be challenging, especially in today’s economic climate. However, with the right credit card, you can turn your supermarket spending into significant savings and rewards.

In South Africa, several credit cards offer cashback rewards specifically for grocery purchases, along with additional perks like travel discounts, insurance, and lifestyle benefits. These cards are designed to help you save money while enjoying a range of exclusive features.

Below, we explore the best credit cards in South Africa that offer cashback for supermarket spending, providing detailed insights into their benefits, fees, and eligibility criteria.

1. Discovery Bank Gold Credit Card

The Discovery Bank Gold Credit Card is a top-tier option for those who want to earn rewards while shopping for groceries. This card is uniquely designed to reward responsible spending and healthy living, making it an excellent choice for families and individuals who value both financial and physical wellness.

Key Features

• Up to 40% Cashback on Groceries: Earn up to 40% back in Discovery Miles when you shop at Checkers or Woolworths, both in-store and online (including Checkers Sixty60, Woolworths Online, Woolies App, and Woolies Dash). This is one of the highest cashback rates available in South Africa, making it ideal for frequent grocery shoppers.
• Additional Rewards: Get up to 10% back on fuel purchases at bp and select Shell stations, as well as on Uber rides. This makes the card a great all-rounder for everyday expenses.
• Vitality Active Rewards: Earn thousands of Discovery Miles weekly by achieving your Spend, Exercise, or Drive goals through the Vitality Active Rewards program. This innovative feature encourages a healthy lifestyle while rewarding you financially.
• Travel Benefits: Enjoy discounts on local and international flights, free travel insurance, and up to 15% cashback on Dream Destinations travel experiences. The card also offers up to 40% off local flights and 35% off international flights, making it a great choice for frequent travelers.
• Flexible Spending: Use your Discovery Miles for discounts on airtime, data, prepaid utilities, and retail purchases at over 40 partners. On Miles Ð-Day (the 15th of every month), these discounts double, offering up to 30% off.

Why Choose This Card?

If you’re a frequent shopper at Checkers or Woolworths and value a rewards program that integrates health and financial wellness, the Discovery Bank Gold Credit Card is an excellent choice. Its high cashback rates, combined with lifestyle and travel benefits, make it one of the most versatile cards on the market.

2. Nedbank Platinum Credit Card

The Nedbank Platinum Credit Card is another top contender, offering unlimited cashback on all your spending, including supermarket purchases. This card is designed for those who want straightforward rewards without restrictions, along with premium travel and lifestyle benefits.

Key Features

• Up to 2% Unlimited Cashback: Earn cashback on all your card spending, including groceries, with no limits. This makes it a great option for high-spenders who want to maximize their rewards.
• Greenbacks Rewards: Earn Greenbacks on eligible spending, which can be redeemed at leading retailers. This adds an extra layer of rewards to your everyday spending.
• Travel Perks: Enjoy up to 30% off flights, 12 free domestic airport lounge visits annually, and discounts on car hire and accommodation. The card also offers travel insurance of up to R3 million, providing peace of mind for frequent travelers.
• Convenience: Access features like tap-and-go payments, virtual cards for online shopping, and seamless integration with Apple Pay, Samsung Pay, and other digital wallets.
• Security: Benefit from real-time transaction alerts, card freezing/unfreezing, and purchase protection. The card also includes an optional credit life cover for added security.

Why Choose This Card?

This card is ideal for those who want straightforward cashback rewards without restrictions, along with premium travel benefits and robust security features. Its unlimited cashback and travel perks make it a great choice for both everyday spending and luxury experiences.

3. Money Credit Card

The Money Credit Card is tailored for shoppers who frequent specific retail partners, offering substantial cashback on grocery purchases. This card is designed for those who want to maximize their savings while shopping at popular South African retailers.

Key Features

• Up to 3% Cashback on Groceries: Earn 3% back on online purchases at Game, Makro, and Builders, and 2% back on in-store spending at these retailers, as well as Cambridge Food. This makes it one of the best cards for shoppers who frequent these stores.
• Interest-Free Days: Enjoy up to 55 interest-free days on purchases, providing flexibility and helping you manage your finances more effectively.
• Worldwide Acceptance: Make purchases anywhere Mastercard is accepted, making it a great option for travelers.
• Card Protection: Benefit from purchase protection and optional credit life cover, ensuring peace of mind in unexpected situations.
• Affordable Fees: With a low monthly service fee of R56.49, this card is accessible to a wide range of customers.

Why Choose This Card?

If you frequently shop at Game, Makro, Builders, or Cambridge Food, the Money Credit Card offers some of the highest cashback rates in South Africa, making it a cost-effective choice for grocery shopping. Its low fees and flexible repayment options make it an attractive option for budget-conscious consumers.

4. Woolworths Gold Credit Card

The Woolworths Gold Credit Card is a premium option designed for loyal Woolworths shoppers. It offers a range of rewards and benefits, including cashback on purchases, exclusive discounts, and travel insurance.

Key Features

• Cashback Rewards: Earn 2% cashback on Woolworths purchases and 0.75% on purchases outside of Woolworths (including fuel). Cashback is paid out quarterly in the form of Woolworths vouchers, providing tangible savings on your grocery shopping.
• WRewards Programme: Automatic membership to the Woolworths WRewards program, which offers additional discounts and special offers on a wide range of products.
• Travel Insurance: Basic travel insurance is included when you purchase international return tickets with the card. This covers you and your family for up to 90 days, offering peace of mind during your travels.
• Flexible Payment Options: Choose to pay in full or spread your payments over a period that suits your financial situation.
• Secure Transactions: Advanced security features protect your transactions and personal information, ensuring a safe shopping experience.

Why Choose This Card?

The Woolworths Gold Credit Card is perfect for loyal Woolworths shoppers who want to earn cashback on their grocery purchases while enjoying exclusive discounts and travel benefits. Its straightforward rewards program and flexible payment options make it a great choice for everyday use.

Conclusion

Choosing the right credit card for supermarket cashback in South Africa depends on your shopping habits, lifestyle preferences, and financial goals. Whether you prioritize high cashback rates, travel benefits, or integrated wellness rewards, there’s a card that suits your needs.

• The Discovery Bank Gold Credit Card is perfect for health-conscious shoppers who want to earn high cashback rates while improving their overall wellness.
• The Nedbank Platinum Credit Card offers unlimited cashback and premium travel perks, making it ideal for high-spenders and frequent travelers.
• The Money Credit Card provides exceptional value for shoppers who frequent Game, Makro, Builders, and Cambridge Food, with some of the highest cashback rates in the market.
• The Woolworths Gold Credit Card is ideal for loyal Woolworths shoppers who want to earn cashback on their grocery purchases while enjoying exclusive discounts and travel benefits.

Before applying, compare the fees, rewards, and benefits of each card to ensure you select the one that aligns with your financial goals and spending patterns. With the right credit card, you can turn your everyday grocery shopping into significant savings and rewards, making your money work harder for you.