Best Petrol Credit Cards 2019

With oil prices on the rise, you may be looking for the best petrol credit card to earn rewards or discounts at petrol stations like Shell, Caltex, Esso and SPC. Because everyone has a slightly different preferences and needs, we have compared 100+ options to come up with the best petrol credit cards most appropriate for different people.

Best Cards for PetrolFuel SavingsCard Features
Best CashbackOCBC 365Up to 23% w/ CaltexRebates on essentials
Citi Cash BackUp to 20.88% w/ Esso, Shell8% cashback on food & petrol
UOB OneUp to 24% w/ SPC5% flat rebate
Best MilesAmex SIA KFUp to 21% w/ SPCUp to 13,000 bonus miles
Citi PMVUp to 14% w/ Esso, ShellUp to 21,000 bonus miles
Citi PrestigeUp to 14% w/ Esso, ShellUnlimited lounge access & more
No-FeeMB F&FUp to 20.88% locallyRebates in Singapore & Malaysia
HSBC RevolutionUp to 16% w/ CaltexMiles for dining & entertainment
High SpendersUnlimited CardsUp to 22.2% w/ SPCUnlimited 1.5% cashback
HSBC AdvanceUp to 16% fuel w/ CaltexUp to 3.5% flat rebate
Online & ShoppingOCBC TitaniumUp to 16% w/ Caltex4 miles per S$1 on retail
Citi RewardsUp to 14% w/ EssoFlexible rewards for fashion spend

Best Cashback Credit Cards for Petrol Savings

For most people, earning everyday cashback includes saving on petrol. The following credit cards offer the best combination of rebate rates and fuel savings on the market.

Best Cashback Credit Card for Everyday Essentials: OCBC 365 Card

Consider this if you are looking for a credit card for general daily use

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive S$40 cashback for sign-up w/ select electricity retailers

OCBC 365 Card is the absolute best everyday card on the market because of its great rates for essentials, lack of merchant restrictions, and easy fee-waiver–features not offered by competitors. Cardholders enjoy 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bills & recurring bills. Its top competitor offers just 1% rebate for bill pay, capped at S$1/month.

OCBC 365 Card also offers excellent petrol savings. Cardholders earn up to 23% fuel savings with Caltex, 20.4% with Esso, and 5% at all other stations in Singapore. Not only are these rates quite high, they also offer cardholders great flexibility. As a result, OCBC 365 Card is one of the best cards for petrol savings on the market.

In order to access these rates, consumers must spend S$800/month. While this may seem high, it’s on par with–or less than–several alternatives. In addition, spending about S$833/month (S$10,000/year) earns a fee-waiver. If you’re spending for your family or household, or simply have a higher spend volume, OCBC 365 Card is the best option to maximise rewards from your daily essentials.

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  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges

Best Cashback Card for Food, Transport & Petrol: Citi Cash Back Card

Consider this if you spend mostly on food and transportation

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

Citi Cash Back Card offers some of the best petrol savings if you’re interested in a card that rewards food & petrol. In terms of cashback, cardholders earn 8% on dining, groceries, and petrol at any station after S$888 minimum spend, up to S$75/month. This is a quite high earning potential compared to market standards.

Cardholders also earn up to 20.88% fuel savings with Esso & Shell and 8% at other stations worldwide, assuming the S$888 minimum is met. This is one of the highest global rates on the market, allowing you to enjoy great discounts no matter where you are. It’s worth noting that the 8% cashback on petrol is capped at S$25 earnings/month, reached after S$312.5 petrol spend–however, the average person spends closer to S$240/month, and would be unaffected. Those who do reach the cap can continue to earn 14.2% at Esso & Shell. Ultimately, Citi Cash Back Card is a great option for food and transport spend, including petrol savings.

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  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell

Best Rebate Card for Stable Budgets: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$150 cashback with S$1,500 spend in 1st month

If you’re looking for straightforward cashback on all of your spend–including recurring bills & insurance payments–UOB One Card is the best option on the market, and even offers great petrol savings. Cardholders who consistently spend S$2,000/month earn a 5% flat rebate, up to S$300/quarter. This is one of the highest flat rates on the market. Those spending S$500 or S$1,000/month earn 3.33% rebates, up to S$50 or S$100/quarter, respectively. This is slightly less competitive.

Nonetheless, UOB One Card also stands out for ‘double’ deals through the UOB SMART$ Programme. Spend with select merchants counts both towards reaching monthly minimums and earning SMART$ (1 SMART$ equals S$1), which offset future purchases. Eligible merchants from all kinds of categories are included, ranging from Cathay Cineplexes and Guardian to United Overseas Insurance Ltd, Cold Storage and more.

Finally, UOB One Card offers great petrol savings. Cardholders can earn up to 24% fuel savings with SPC and 20.8% savings with Shell for transactions of at least S$60 gross spend, assuming consistent S$2,000/month spend. These are rates are quite high compared to competitors. Cardholders on lower rebate tiers enjoy up to 22.2% savings at SPC and 19.3% at Shell. Ultimately, UOB One Card is the best option for flat rebates on all spend if you have a stable budget of at least S$2,000/month.

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  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Best Rebate Card for Young Professionals: Citi SMRT Card

Consider this if you want to earn cashback on your daily commute on public transit

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

Young professionals with modest budgets can rapidly earn rebates with no minimum spend requirement, with Citi SMRT Card. Cardholders earn up to 7% cashback with select merchants on groceries, 5% on fast food, coffee, and movies, 3% on online shopping and 2% for health & wellness. Cardholders even enjoy 2% rebates on Auto Top-Ups, and the card is EZ-Link compatible.

If you have your own car and are interested in more than commuter benefits, Citi SMRT Card also offers great petrol discounts. Cardholders receive up to 14% fuel savings with Esso & Shell, without having to reach a minimum spend level or pay a certain amount per transaction. This is especially beneficial to those with lower budgets, or who buy petrol less frequently. Overall, Citi SMRT Card is a great match for lower spenders looking for easy rewards on everyday spend without having to hit a high minimum.

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  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, moves & coffee, 3% online shopping, 2% on health & wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell

Best Rebate Card for Essentials + EZ Link: POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, cosmetics, pharmaceutical, medical and petrol bills

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive S$120 cashback w/ S$800 spend in 2mo

POSB Everyday Card is a great all-in-one rebate card for families, and also offers respectable petrol savings. Cardholders earn top rates on essentials, including 15% cashback on online food delivery & catering, 5% on dining & groceries, 10% on taxi rides & overseas, 3% on health & wellness, and 1% on recurring bills. Cardholders also receive up to 20.1% fuel savings at SPC.

For the most part, these categories are merchant-restricted. However, earnings are capped per category, and cardholders can potentially earn over S$200/month. Finally, cardholders must spend S$800/month to access many of these rates, so POSB Everyday Card is best for families or those with higher spend volumes. Ultimately, consumers can enjoy the convenience of POSB Everyday Card in earning on daily spend, while also receiving great petrol savings.

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  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality

Best Air Miles Credit Cards for Petrol Savings

The best travel cards offer great petrol discounts. We’ve identified the best miles-earning cards with fuel savings below.

Best Travel Card for Welcome & Bonus Miles: American Express Singapore Airlines KrisFlyer Card

Consider this if you want to easily earn welcome bonus miles and fly mostly on Singapore Airlines' various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Spend S$5k within the 1st 3mo, receive 7,500 bonus miles
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000

American Express Singapore Airlines KrisFlyer Card is the best travel card for easy welcome and bonus miles, especially for SIA loyalists. It also comes with great transport benefits. Cardholders earn can earn up to 12,500 bonus miles within 3 months: 5,000 with the first charge, then 7,500 with S$5,000 spend. In addition, S$12,000 spend earns a S$150 credit with SIA.

In terms of rates, cardholders earn 1.1 miles per S$1 spend (2 miles overseas in June & December) and 2 miles for spend with SingaporeAir, SilkAir and KrisShop. Cardholders also enjoy transit perks–each S$1 spend on Grab earns 3.1 miles, up to 620 miles/month, and the first Grab booking earns 500 bonus miles. As if that weren't enough, spend with popular merchants like Starbucks, Deliveroo, McDonald's and more also earn 3.1 miles per S$1 (again, up to 620 miles/month). Finally, cardholders receive up to 21% fuel savings with SPC. From air travel to Grab to driving and more, Amex SIA KF Card delivers excellent rewards. If you’re looking for easy bonus miles, this is the card for you.

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  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on select merchants (Grab, Subway, Watsons & more)
  • Free travel insurance, Hertz Gold Plus Rewards & Amex Selects Privileges
  • Fuel savings up to 21% with SPC
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on select merchants (Grab, Subway, Watsons & more)
  • Free travel insurance, Hertz Gold Plus Rewards & Amex Selects Privileges
  • Fuel savings up to 21% with SPC

Best Credit Card for Affordable Miles & Perks: Citi PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • 21,000 bonus miles after paying 1st annual fee and spending S$7,500
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

Citi PremierMiles Visa Card is an excellent travel card if you’re looking for affordable miles, paired with the bonuses and perks that typically come with pricier cards. Cardholders earn a respectable 1.2 miles per S$1 locally and 2 miles overseas, but also receive 21,000 welcome miles (worth S$210) and 10,000 annual renewal miles (worth S$100). These bonuses easily offset the already reasonable S$192.6 fee, which is already waived 1 year.

If that weren’t enough, Citi PMV Card also comes with perks associated with much pricier travel cards, including 2 free lounge visits/year, worldwide. Cardholders also receive free travel insurance, plus fuel savings up to 14% at Esso & Shell, with no minimum spend requirement. If you’re interested in enjoying such perks and bonuses without paying a substantial fee, Citi PMV Card is the best option for you.

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  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell

Best Miles Credit Card for Luxury Travel Perks: Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

Citi Prestige MasterCard is by far one of the best travel cards for luxury perks and privileges on the market, and even comes with top rewards rates. Cardholders earn 1.3 miles per S$1 locally and 2 overseas, and receive up to 14% fuel savings with Esso & Shell.

In addition, cardmembers receive 25,000 annual renewal miles (worth S$250) and an annual bonus up to 30% based on their length of relationship with Citibank. These notably offset the admittedly high S$535 fee–though Citi Prestige Card delivers even more value with its perks. Cardholders enjoy unlimited lounge access worldwide (plus a guest), free limo transfers, bonus hotel nights, golfing privileges, free access to JetQuay and more. Overall, Citi Prestige Card is an excellent option for those who prioritise luxury perks in their travels.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Card for Earning Local Miles: Maybank Horizon Visa Signature Card

Consider this if you want to maximise miles for dining & petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

If you’re a primarily local spender who wants to earn miles both at home and abroad, Maybank Horizon Visa Signature Card is the best option for you. Cardholders earn at a higher local rate than available with any traditional travel card–3.2 miles per S$1 on local dining, taxis and Grab, hotel bookings with Agoda, and petrol. Paired with partner discounts, cardholders can earn up to 17.2% fuel savings on petrol in Singapore. Cardholders also earn a respectable 2 miles per S$1 on air tickets, travel packages and overseas spend.

Maybank Horizon Card is especially attractive because it’s one of the few miles-earning cards that offers a fee-waiver. Cardholders are exempt from the S$180.0 fee the first 3 years, and subsequently, with S$18,000 annual spend. Travel cards that do have fee waivers typically require a spend threshold of S$25,000–S$50,000. Overall, Maybank Horizon Card offers average and lower spenders the best way to earn miles for local spend while also avoiding an annual fee.

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  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance

Best Travel Card for Flexible Miles Redemption: OCBC Voyage Card

Consider this if you want flexible miles redemption & dine out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Up to 7% off worldwide hotel bookings with Agoda

If you’re looking for a travel card with flexible miles redemption, that also caters to a flexible travel schedule, OCBC Voyage Card is the best option available. Cardholders earn 2.3 miles per S$1 overseas, 1.2 miles locally, and a boosted 1.6 miles for local dining. Few alternatives offer such a high local rate, making OCBC Voyage Card a great option if you sometimes spend extended periods at home. Cardholders also receive 19% off fuel spend on Caltex, with no minimum spend requirement.

OCBC Voyage Card also makes it convenient and comfortable to travel. Miles earned are exceptionally easy to redeem–conversion fees are waived (S$25/transfer with other cards), there are no black-out dates, and processing times are minimal. Cardholders also enjoy unlimited access to 80 lounges worldwide, free limo transfers, and golfing privileges. OCBC Voyage Card may come with a S$488 fee, but these perks–along with its high rates–make it an excellent option for frequent travellers seeking flexibility.

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  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
  • Up to 19% fuel savings with Caltex

Miles Card for Affordable Perks & Petrol Savings: DBS Altitude Visa Card

DBS Altitude Visa Signature Card
DBS Altitude Visa Signature Card

Consider this if you want a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive up to 10,000 welcome miles with S$6,000 spend
  • Earn up to 4mi/S$1 spend on commute, 2.4mi at Esso
  • Up to 10 miles per S$1 spend with Kaligo, 6 miles with Expedia

DBS Altitude Visa Card is a great option for average and above average spenders seeking miles and affordable travel perks, especially because it offers a fee-waiver. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas and 3 for online travel booking. Furthermore, cardmembers receive fuel savings up to 15% with SPC and 14% with Esso.

In terms of perks, cardholders enjoy 2 free lounge visits/year, free travel insurance and golfing privileges, which is fairly generous considering the low annual fee of just S$192.6. Travel cards with similar benefits often have annual fees of S$400+. Even better, cardholders can avoid the fee altogether with just S$25,000 annual spend. Ultimately, DBS Altitude Card is a great option for affordable & accessible travel perks typically associated with more expensive travel cards.

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  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Up to 15% fuel savings with SPC, 14% with Esso

Best No-Fee Credit Cards for Petrol Savings

Earning great cashback or miles as well as petrol savings doesn’t require paying a high annual fee. The following cards are the best on the market that either are free forever or have an easy fee-waiver.

Best Card for Low Spenders in Singapore & Malaysia: Maybank Family & Friends MasterCard

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)

If you frequently spend in both Singapore & Malaysia and want to avoid a high minimum requirement, Maybank Family & Friends Card is a great option. Cardholders spending as little as S$500/month can earn 5% rebate in both countries on fast food, groceries, transport, and wellness with vendors like foodpanda, Cold Storage, Grab, Guardian and more. A higher spend of S$1,000/month earns 8% rebate, up to S$50/month. These are some of the highest rates for lower spenders on the market.

In terms of petrol, cardholders who qualify for the 8% rebate can earn up to 20.88% fuel savings with merchant partners in Singapore. Those who only qualify for the 5% rebate can still earn up to 18.3% fuel savings, and those who may not reach the S$500/month minimum can still earn 14.3% savings–which is higher than that offered by some competitors.

Another feature that makes Maybank Family & Friends Card a great option for lower spenders is its easy fee-waiver. Cardholders are exempt from the S$180.0 fee with just S$12,000 annual spend (S$1,000/month). At this rate, cardholders would both receive the waiver and earn the 8% rebate. Overall, Maybank Family & Friends Card is therefore an excellent option for lower spenders who want to maximise rebates and discounts.

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  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)

Best Miles Card for Social & Online Spenders: HSBC Revolution Card

Consider this if you often spend on dining & entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback

If you’re a local social spender and want to earn no-fee miles, look no further than HSBC Revolution Card. Cardholders earn 2 miles per S$1 local spend on dining, entertainment, and even on online spend–including bills and insurance premiums, which are typically excluded from earning rewards. Even more, there’s no minimum spend requirement or earning caps, which sets HSBC Revolution Card apart from cashback alternatives.

Another perk of HSBC Revolution Card is that cardholders receive up to 16% fuel savings with Caltex, assuming outdoor fuel payment (14% if indoor), and 14% with Shell. Paired with its dining and entertainment rebates, this makes HSBC Revolution one of the best cards for earning miles locally. Even better, cardholders can avoid the S$160.5 fee with just S$12,500 annual spend (about S$1,042/month). This allows lower spenders to easily earn no-fee miles while enjoying great petrol savings.

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  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 16% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
  • Up to 16% fuel savings with Caltex, 14% with Shell

Credit Card for No-Fee Miles + Cashback: HSBC Visa Platinum Card

Consider this if you spend at least S$600/month and want to earn both cash rebates and miles

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback

HSBC Visa Platinum Card is very distinct in offering both miles and cashback rewards, but it also stands out for its petrol savings and potential fee-waiver. Cardholders receive 5% rebate on local dining & groceries after S$600 minimum spend, plus 0.4 miles per S$1 on all general spend, with no minimum requirement.

Cardholders also earn up to 20.2% fuel savings at Caltex and 18.3% at Shell, assuming they consistently reach the S$600 minimum requirement. Below this spend level, cardholders can still earn 16% fuel savings at Caltex & 15% at Shell.

It’s important to note that in order to access the 5% rebate–and higher discounts on petrol–cardholders must spend S$600/month every month for an entire quarter (3 months each). Cardholders can earn up to S$250/quarter from this rebate (miles earned are unlimited), which is fairly generous. Finally, the S$180.0 fee is waived with S$12,500 annual spend, or about S$1,042/month. Consumers interested in no-fee miles and cashback rewards, who buy most of their food locally, are a great match for HSBC Visa Platinum Card.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining. groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining & groceries (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell

Best No-Fee Cashback for Travel, Transport & Wellness: CIMB Platinum MasterCard

CIMB Platinum Mastercard
CIMB Platinum Mastercard

Consider this if you want a specialised rebate credit card for health, transport and dining

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A
Promotions:
  • Up to 10% off bookings with Expedia & Booking, 8% with Agoda

While CIMB Platinum MasterCard lacks a high petrol rate with specific merchant partners, it offers the highest general cashback on petrol worldwide. Cardholders earn 10% rebate on transport (taxis, Grab, buses & more) as well as on petrol, both locally and overseas. The closest comparable rate for unrestricted cashback on petrol is just 8%.

CIMB Platinum Card also offers market-leading rates for health, dining and more. Cardholders earn 10% cashback on medical expenses like doctors, hospitals, dentists, pharmacies & more, plus at restaurants both locally and overseas. Cardholders also earn at this rate for travel spend in foreign currency and purchases with select electronics/furnishings vendors. Overall, monthly earnings are capped at an impressive S$100, which is fairly high by market standards. While there's an S$800 minimum spend requirement, there's no annual fee, making CIMB Platinum MasterCard an excellent option for global petrol spend with little-to-no maintenance or risk.

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  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan

Best Credit Cards with Petrol Savings for Higher Spenders

The following cards are excellent for high spenders because of their unlimited earning potential. We’ve also selected them for their great fuel savings, described in detail below.

Best Unlimited Cashback Card with Amex Benefits: American Express True Cashback Card

Consider this if you want unlimited amount of cash rebate and value American Express's services

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Receive S$20 CapitaVoucher for each of 1st 2 supplementary cards

American Express True Cashback Card offers high-spenders unlimited rewards potential, paired with world-renowned Amex benefits. Cardholders receive an unlimited 1.5% flat cashback on all spend, boosted to 3% during the first 6 months (up to S$150 credit). Competitor cards rarely offer promotions this lucrative. Cardholders also receive up to 22.2% fuel savings with SPC–a higher discount than offered by any other unlimited card. This discount requires card registration and is comprised of 21% savings, plus 1.5% rebate on the final charged amount. Total earnings are capped at S$300 (higher than competitors).

Another reason to consider Amex True Cashback Card is for its great concierge services and dining & lifestyle deals, specifically through Global Assist and American Express Selects. Cardholders also receive special deals through Amex True Cashback card-specific promotions, which frequently include travel and wedding-related discounts. Ultimately, Amex True Cashback Card is the best option for high spenders looking to maximise petrol savings.

Read Our Full Review

  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC
  • Annual fee: S$171.2, 1-year waiver
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
  • Up to 22.2% fuel savings with SPC

Best Unlimited Cashback Credit Card + EZ Link: Standard Chartered Unlimited Cashback Card

Standard Chartered Unlimited Cashback Credit Card
Standard Chartered Unlimited Cashback Credit Card

Consider this if you want unlimited amount of cash rebate and can spend more than S$7,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Apply w/ MyInfo & activate digital card to receive up to S$120 cashback
  • Receive up to S$68 cashback on electric bill w/ OEM sign-up w/ select retailers

High spenders are often limited by typical, capped cashback cards. Standard Chartered Unlimited Cashback Card offers unlimited earning potential with additional, stand-out transport benefits. Cardholders earn 1.5% unlimited cashback on all spend, on par with competitors. However, unlike competitors, SC Unlimited Cashback Card is EZ-Link compatible (with Auto Top-Ups eligible for rewards) and offers up to 21% fuel savings at Caltex. This petrol discount is on par with competitor cards’ and has no minimum spend requirement (though total savings are capped at S$200). Ultimately, if you’re a high-spender seeking unlimited rewards and could benefit from petrol and transport discounts, it’s definitely worth considering SC Unlimited Cashback Card.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex

Best Rebate Card for Affluent Advance Customers: HSBC Advance Card

Consider this if you spend at least S$3,500 per month and are open to a bank account with HSBC

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive Samsonite T5 68cm Spinner luggage or S$150 cashback

HSBC Advance Card is one of the best flat rebate cards on the market, especially for higher spenders, if you’re willing to consider an HSBC Advance banking account. Advance customers earn 3.5% cashback on all spend after a S$2,000 minimum (2.5% if below), up to S$125/month–the highest capped earning potential on the market. Cardmembers can max out this cashback with S$3,500 monthly spend and earn up to S$1,500/year. Additionally, Advance customers never pay an annual fee.

On the other hand, this card is less competitive for non-Advance customers, who receive 2.5% cashback with S$2,000 spend (1.5% if below), up to S$70/month. They also must pay a S$180.0 fee, though it can be waived with S$12,500 annual spend. Regardless of Advance status, all cardholders can earn up to 16% fuel savings with Caltex, assuming outdoor payment (14% if indoors) and 14% with Shell. Ultimately, if you’re an above-average spender looking to maximise cashback, we’d recommend checking to see if you qualify for HSBC Advance.

Read Our Full Review

  • Annual fee: S$180.0, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
  • Annual fee: S$180.0, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell

Most Miles for Overseas Spend: Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Receive up to 35,000 welcome miles
  • Receive up to S$68 cashback on electric bill w/ OEM sign-up w/ select retailers

If you’re a frequent traveller with high overseas spend, you might want to consider Standard Chartered Visa Infinite Card, as it has the highest rewards rate for overseas spend on the market. Cardholders earn 3 miles per S$1 overseas, as well as 1.4 miles per S$1 locally, which is also quite competitive. Even further, cardholders enjoy several transport benefits like Hertz Asia privileges, a free yacht hire every year, and 25% fuel savings at Caltex–one of the highest petrol discounts available on the market, though savings are capped at S$200 total.

SC Visa Infinite Card also stands out by offering rewards for banking activity. While most cards exclude such transactions, SC Visa Infinite Card rewards income tax payments, mortgage loans, fixed deposits, investments, savings accounts and more. High earners who qualify for the card (S$150,000 minimum salary) can easily earn S$175+ just by paying their taxes. Savings such as these, paired with 35,000 welcome miles (worth S$350), offset the S$588.5 annual fee. Further value comes from perks like free travel insurance, 6 lounge visits/year and golfing privileges. Ultimately, SC Visa Infinite Card is the best option both for high overseas spenders and top discounts on petrol.

Read Our Full Review

  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex

Best Online Shopping Cards with Petrol Savings

Several credit cards that reward retail shopping also offer great petrol discounts; the following are some of the best on the market.

Best Miles Card for Retail Spend: OCBC Titanium Rewards Card

Consider this if you want to accrue miles from your shopping purchases

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Up to 2% cash rebate at BEST Denki

OCBC Titanium Rewards Card is the most versatile shopper card on the market, has an easy fee-waiver, and also comes with petrol savings. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, electronics, and at department stores online, offline, locally and overseas. While competitors share this offer, OCBC Titanium Card also extends this rate to merchants like Amazon, Alibaba, Lazada, IKEA, Qoo10 and many, many more. Essentially, cardholders can earn from spend on everything from appliances to pharmaceuticals and beyond.

OCBC Titanium Card also stands out for its fee-waiver. Cardholders spending S$10,000/year (just S$1,000/month) are exempt from the S$192.6 fee. OCBC Titanium Card’s key competitor does not offer such a waiver. Additionally, cardholders have the potential to earn up to 4,000 miles/month, and enjoy up to 16% fuel savings with Caltex and 14% with Esso. If you’re looking for no-fee rewards on retail, OCBC Titanium Card is the best option.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail, department stores, electronics & select merchants (online, offline, locally & overseas)
  • Discounted airport lounge & JetQuay Quayside access
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best Miles Card for Fashion Retail: Citi Rewards Card

Consider this if you want to maximise miles rewards for shopping

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Receive 30,000 bonus points (12,000 miles) with S$3,000 spend
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend

Citi Rewards Card offers cardholders great rewards rates for online & fashion spend as well as petrol discounts. Cardholders earn 10 points (4 miles) per S$1 spend on clothing, bags, shoes and more online, offline, locally and overseas. Cardholders also earn at department stores, which is sometimes excluded by other cards. Finally, nearly all online transactions also earn at this rewards rate (travel bookings & mobile wallet pay are excluded, however). While general spend earns just 1 point (0.4 miles) per S$1, cardholders can still enjoy up to 14% fuel savings with Esso and Shell. There is a S$192.6 fee, but it’s waived 1 year. If you’re interested in a flexible shopper card for fashion spend, Citi Rewards Card is worth considering.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online transactions
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online transactions
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best No-Fee Rebate Card for Online & Weekend Spenders: OCBC Frank Card

Consider this if you frequently spend online and on entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive 1 free night stay at M Social Singapore after S$400 min. spend

Lower spenders can access top rates after just S$400 offline spend with OCBC Frank Card, one of the best options for social and weekend spenders. Cardholders earn 6% rebate on online shopping, 5% on weekend entertainment & at select cafes (3% on weekdays) and 3% on NETS FlashPay Auto Top-Ups. These rates are incredibly accessible given the low S$400 minimum, and cardholders can earn up to S$60/month.

Other card benefits include up to 16% fuel savings with Caltex and 14% with Esso, plus a fee-waiver with just S$10,000 annual spend. OCBC Frank Card’s closest competitor does not offer a petrol discount, and also lacks a fee-waiver. For these reasons, OCBC Frank Card is an excellent option for young adults and lower spenders who want access to high rates for social spend, but who may feel limited by smaller budgets.

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  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best Rebate Card for 0% Interest Instalment Plan: OCBC Cashflo Card

Consider this if you want to earn rebates on instalment payments

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Up to 55% off single trip travel insurance

If you frequently make big purchases and prefer to pay for them over time, OCBC Cashflo Card is by far the best card with a 0% interest instalment plan. Cardholders can specify a threshold at which payments are automatically split into instalments; alternatives require call-ahead or retroactive applications. Additionally, cardholders earn up to 1% flat rebate, even on purchases made on the plan. Few alternatives allow split payments to earn rebates.

OCBC Cashflo Card also does not charge a processing fee for split payments. No other card plan offers both rewards for rebates and a waived processing fee–in fact, OCBC Cashflo Card offers the only plan that allows net-earning on split transactions. Cardmembers also enjoy perks like up to 16% fuel savings with Caltex and 14% with Esso, discounted travel insurance, and a fee-waiver with S$10,000 annual spend. Ultimately, OCBC Cashflo Card is the absolute best option available for a 0% interest instalment plan, and comes with a few perks too.

Read Our Full Review

  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee
  • Trigger scheme automatically splits payments at specified threshold
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee
  • Trigger scheme automatically splits payments at specified threshold
  • Up to 16% fuel savings with Caltex, 14% with Esso

Cashback for Overseas Online Spend: Standard Chartered SingPost Spree Card

Standard Chartered SingPost Spree Credit Card
Standard Chartered SingPost Spree Credit Card

Consider this if you shop frequently from websites outside of Singapore

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$68 cashback on electric bill w/ OEM sign-up w/ select retailers

Standard Chartered SingPost Spree Card offers top rates for online shopping with overseas merchants, plus some of the best petrol discounts on the market. Cardholders with low budgets often have difficulty reaching minimum requirements and can end up earning as little as 0.3% cashback on spend. With SC SingPost Spree Card, consumers earn 3% rebate on foreign online & vPost transactions, 2% on local online & contactless spend, and 1% on all else–all with no minimum requirements. Cardholders also receive 19.8% fuel savings with Caltex, up to S$200 total. While there’s a S$192.6 fee, it’s waived 2-years, making SC SingPost Spree Card an accessible way for low spenders to earn high rates.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex

Cashback for Dining & Overseas: Standard Chartered Rewards+ Card

Standard Chartered Rewards+ Credit Card
Standard Chartered Rewards+ Credit Card

Consider this if you want a credit card for dining & foreign currency or overseas spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$68 cashback on electric bill w/ OEM sign-up w/ select retailers

For those spending S$250–S$350/month on dining and overseas, Standard Chartered Rewards+ Card offers a great way to maximise cashback with no minimum spend requirements. Cardholders earn 2.9 miles per S$1 overseas and 1.45 miles on dining, equal to about 2.9% and 1.45% rebates, respectively. Lower spenders are positioned to take advantage of these rates because many alternatives offer 0.3% base rates for spend below S$600. Cardholders also enjoy 19.8% fuel savings with Caltex, up to S$200 total.

It’s worth mentioning that SC Rewards+ Card’s earnings are capped quite low, at just 8,000 miles/year. This is another reason why this card is best-suited for lower budgets. Finally, there’s a S$192.6 fee, but it’s waived 1 year. If you have a low dining & overseas budget or a primary card that doesn’t reward dining, SC Rewards+ Card offers a great opportunity to maximise rewards with no minimum spend requirement.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex

Miles Card for Online Shoppers with 0% Instalment Plan: DBS Woman’s World MasterCard

DBS Woman's World Mastercard
DBS Woman's World Mastercard

Consider this if you need to make a large purchase that you can't immediately afford

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Up to 10% off hotel bookings with Expedia
  • Complimentary use of Quayside for 1 trip service (cardholder + 1 companion)

Online shoppers can take advantage of DBS Woman’s World Card’s great 0% interest instalment plan, as well as its substantial petrol discounts. Cardholders earn 4 miles per S$1 spend on online shopping (up to 8,000/month), 0.4 miles for local spend, and 1.2 miles overseas. Additionally, cardholders have access to DBS’s My Preferred Payment Plan, which allows payments to be split across up to 12 months with no processing fee. Alternatives charge up to 5% of the transaction amount.

DBS Woman’s World Card also stands out for fuel savings up to 15% with SPC and 14% with Esso and a fee waiver with S$25,000 annual spend. If you mostly shop online and split larger transactions into instalments, DBS Woman’s World Card is the best option for you.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
  • Up to 15% fuel savings with SPC, 14% with Esso
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 4 miles per S$1 spend on online shopping
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
  • Up to 15% fuel savings with SPC, 14% with Esso

Best Miles Credit Card for Golfing Privileges: Maybank World MasterCard

Consider this if you are an avid golfer across fairways worldwide

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000
Promotions:
  • Receive free American Tourister Luggage w/ S$400 monthly spend for 2mo

Affluent golfers seeking miles and petrol savings should definitely consider Maybank World MasterCard. Cardholders enjoy the most comprehensive set of golfing privileges on the market–2 free green fees/month at 120 fairways across 25 countries (3x the number of fairways and 4x+ the number of countries offered by the closest competitor).

Maybank World Card also offers 10 points (4 miles) per S$1 spend with select dining and retail merchants, free travel insurance & airport lounge access, and up to 19.1% fuel savings on petrol in Singapore. Those spending S$24,000/year are also exempt from the S$240.0 fee. Ultimately, Maybank World Card is the best option for miles-seeking golfers who want free access to fairways worldwide.

Read Our Full Review

  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore
  • Annual fee: S$240.0, 1-year waiver, subsequently with S$24,000 annual spend
  • 10 pts (4 miles) per S$1 spend with select dining & retail merchants
  • 2 complimentary green fees/month at 120 fairways worldwide
  • Free travel insurance, lounge access & global concierge
  • Up to 19.1% fuel savings on petrol in Singapore

Cashback Credit Card for Loyal Esso Spenders: DBS Esso Card

DBS Esso Platinum Card
DBS Esso Platinum Card

Consider this if you want maximum savings at Esso petrol stations

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to S$120 fuel savings with min. S$200 nett fuel spend at Esso per month, for 3 months
  • Earn S$20 cashback with 1st digital transaction via digibank

DBS Esso Card is a great petrol card for Esso loyalists, offering up to 21.1% fuel savings at Esso, plus 2.2% additional savings after 250 litres Synergy fuel are purchased. This discount is comprised of a 5% station discount, 5% Esso Smiles membership discount, 7% DBS Esso Card discount, and S$10 off, after S$200 nett fuel spend (equal to up to 4.1%).

Cardholders primarily earn by spending on petrol. Purchasing 1 litre of Synergy fuel earns 1 point, and 300 points earn a S$10 voucher for Synergy Fuel. General spend, on the other hand, earns just 0.1 points per S$1. As a result, this card is only valuable if used on petrol spend at Esso. However, cardholders also have access to a 0% interest instalment plan for motor insurance and road tax. Ultimately, if you’re an Esso loyalist and want to transform petrol spend into further petrol discounts, this may be the card for you.

Read Our Full Review

  • Annual fee: S$85.6, 1-year waiver
  • Up to 21.1% fuel savings at Esso (+2.2% with purchase of 250 litres Synergy fuel)
  • Auto-enrolment into Esso Smiles Driver Rewards Programme
  • 0% interest, no-fee instalment plan for motor insurance & road tax
  • Annual fee: S$85.6, 1-year waiver
  • Up to 21.1% fuel savings at Esso (+2.2% with purchase of 250 litres Synergy fuel)
  • Auto-enrolment into Esso Smiles Driver Rewards Programme
  • 0% interest, no-fee instalment plan for motor insurance & road tax

Best Rebate Card for Groceries & Petrol: UOB Delight Card

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$150 cashback with S$1,500 spend in 1st month

UOB Delight Card is by far the best rebate card for spend on groceries. Cardholders can earn up to 17% cumulative cashback for purchasing house brands at Cold Storage, Market Place, Jasons, Giant and Guardian (10% off house brands + 8% merchant rebate, after discount). In addition, spend on recurring bills and contactless transactions earn 3% cashback. There is a S$800 minimum spend requirement for the former (8% rate) and S$400 for the latter (3% rate).

Cardholders also enjoy up to 10% additional discounts with select merchants like Guardian, Cathay Cineplexes, EQ Insurance (and many more) through UOB SMART$ Rebate Programme. Every 1 SMART$ earned equals S$1, which can be used to offset future purchases. Cardholders also enjoy up to 20% fuel savings with SPC and 13.6% with Shell on petrol transactions of at least S$60 gross. Ultimately, UOB Delight Card is an excellent way to earn from groceries while also saving on petrol.

Read Our Full Review

  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell

Summary of Best Credit Cards for Petrol Savings 2019

Below, we've prepared a summary of our picks for the best credit cards for petrol savings in 2019.

CardBest for...Annual Fee
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
Citi Cash BackFood & TransportS$192.6
UOB OneBest Flat RebateS$192.6
OCBC VoyageFlexible MilesS$488.0
Amex SIA KFBest Welcome MilesS$176.55
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6
CardBest for...Annual Fee
OCBC 365Everyday Spend, Easy WaiverS$192.6 (waiver)
Citi Cash BackFood & TransportS$192.6
UOB OneBest Flat RebateS$192.6
OCBC VoyageFlexible MilesS$488.0
Amex SIA KFBest Welcome MilesS$176.55
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Maybank F&FSpend in Singapore & MalaysiaS$180.0 (waiver)
HSBC RevolutionSocial & Online SpendS$160.5 (waiver)
OCBC TitaniumRetail ShoppersS$192.6 (waiver)
Citi RewardsFashion ShoppingS$192.6

Compare the Best Petrol Discount Credit Cards by Dollar Value

To help you find the best petrol discount credit card, we have prepared a chart below organizing petrol credit cards by 2-year dollar value. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best petrol discount credit cards compare to one another in terms of their rewards
Best Petrol Credit Cards in Singapore By Estimated 2-Year Dollar Value

Footnotes

ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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