Best Petrol Credit Cards in Singapore 2021

Petrol can be incredibly expensive in Singapore, but finding a credit card with great fuel savings can dramatically decrease your monthly expenditure. In order to identify the best petrol credit cards in Singapore, our credit card experts considered every card discount at stations ranging from Shell & Esso to Caltex & SPC. We've listed these offers in an upfront, easy-to-understand way and provided an in-depth analysis of each card's distinct value.

Best Miles Credit Cards for Petrol Savings:
Best Cashback Credit Cards for Petrol Savings:
Best No Fee Credit Cards for Petrol Savings:
  • OCBC 365: Up to 22.1% savings at Caltex, 20.2% at Esso and 5% cashback at all other petrol stations
  • HSBC Revolution: Up to 16% fuel savings at Caltex, 14% at Shell
  • HSBC Visa Platinum: Up to 20.2% fuel savings at Caltex, 18.3% at Shell
Best Credit Cards for Transport Perks & Petrol Savings:
Best Petrol Credit Cards for High Spenders:
Best Petrol Credit Cards for Online Shopping & Mobile-Pay:
  • OCBC Frank: Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • Citi Rewards: Up to 14% fuel savings at Esso & Shell
  • OCBC Titanium: Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • DBS Woman's World: Up to 14% fuel savings at Esso
  • Citi Lazada: Up to 14% fuel savings at Esso & Shell
  • BOC Zaobao: 23% savings on petrol at SPC and 5% savings at Shell
Best Petrol Credit Card for Esso Loyalists:
Best Miles Credit Cards for Petrol Savings:
Best Cashback Credit Cards for Petrol Savings:
Best No Fee Credit Cards for Petrol Savings:
  • OCBC 365: Up to 22.1% savings at Caltex, 20.2% at Esso and 5% cashback at all other petrol stations
  • HSBC Revolution: Up to 16% fuel savings at Caltex, 14% at Shell
  • HSBC Visa Platinum: Up to 20.2% fuel savings at Caltex, 18.3% at Shell
Best Credit Cards for Transport Perks & Petrol Savings:
Best Petrol Credit Cards for High Spenders:
Best Petrol Credit Cards for Online Shopping & Mobile-Pay:
  • OCBC Frank: Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • Citi Rewards: Up to 14% fuel savings at Esso & Shell
  • OCBC Titanium: Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • DBS Woman's World: Up to 14% fuel savings at Esso
  • Citi Lazada: Up to 14% fuel savings at Esso & Shell
  • BOC Zaobao: 23% savings on petrol at SPC and 5% savings at Shell
Best Petrol Credit Card for Esso Loyalists:

Compare Best Petrol Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards with petrol savings on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

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

Best Miles Cards with Petrol Savings

Great travel cards reward all kinds of transport. A few of the best are reviewed below.

DBS Altitude Visa: Miles Card with Affordable Perks

  • Free lounge access & golf privileges, waivable fee
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Up to 14% fuel savings at Esso
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
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, and miles never expire. Furthermore, cardmembers receive fuel savings up to 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.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Up to 14% fuel savings at Esso
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Receive 8% off online shopping by reaching monthly Personalised Spend Goal online (rewards capped at S$16-S$120/mo)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • Alternative: 10,000 bonus miles w/ payment of annual fee
  • 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
  • Miles earned never expire
  • Free travel insurance, 2x lounge visits, golfing & dining privileges
  • DBS My Preferred Payment Plan (0% interest instalments)
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, and miles earned never expire. Furthermore, cardmembers receive fuel savings up to 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.

Citi PremierMiles Visa: Affordable Perks & Bonus Miles

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.60 (first year- waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
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.

  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Up to 14% fuel savings at Esso & Shell
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 2 free lounge visits & free travel insurance
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.

KrisFlyer UOB Credit Card: Best Miles for SIA Loyalists

  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: New cardholders will receive S$80 cash via Paynow & Existing cardholders will receive S$20 worth of GrabFood Vouchers
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • New and existing cardholders will get S$20 cash upon approval
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
KrisFlyer UOB Card is the absolute best card on the market for SIA loyalists–particularly for younger flyers who travel on a budget. Cardholders earn a competitive 3 miles per S$1 spend with SIA brands like SIA, Scoot, SilkAir & KrisShop, plus 1.2 miles per S$1 on general local and overseas transactions. This base rate is elevated to an incredible 3 miles per S$1 on dining, transport, online shopping & travel bookings for those who spend at least S$500/year with SIA. Essentially, airline loyalty fuels rapid miles accrual. Given the eligible categories, KF UOB Card is especially great for millennials who take a few trips per year with SIA.


KF UOB Card also offers perks that are well-suited to economical travellers. Cardholders enjoy privileges with Scoot–SIA's budget airline–such as booking flexibility waivers, complimentary baggage allowance upgrades, priority check-in & boarding, and free standard seat collection. Other perks include a S$20 rebate with a S$100 nett KrisShop transaction and S$15 vouchers for ChangiWiFi and for Grab rides to and from Changi Airport. While KF UOB Card does not offer many luxury perks, it does fast-track cardholders spending S$5k/year with SIA to KF Elite Silver Status. Cardholders also receive 10,000 annual renewal miles (worth about S$100), which deftly offsets the S$192.6 annual fee. Overall, KrisFlyer UOB Card is a great match for young SIA loyalists looking for practical, affordable perks.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: New cardholders will receive S$80 cash via Paynow & Existing cardholders will receive S$20 worth of GrabFood Vouchers
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • New and existing cardholders will get S$20 cash upon approval
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$500 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
  • 3,000 welcome miles after first transaction (min S$5)
KrisFlyer UOB Card is the absolute best card on the market for SIA loyalists–particularly for younger flyers who travel on a budget. Cardholders earn a competitive 3 miles per S$1 spend with SIA brands like SIA, Scoot, SilkAir & KrisShop, plus 1.2 miles per S$1 on general local and overseas transactions. This base rate is elevated to an incredible 3 miles per S$1 on dining, transport, online shopping & travel bookings for those who spend at least S$500/year with SIA. Essentially, airline loyalty fuels rapid miles accrual. Given the eligible categories, KF UOB Card is especially great for millennials who take a few trips per year with SIA.


KF UOB Card also offers perks that are well-suited to economical travellers. Cardholders enjoy privileges with Scoot–SIA's budget airline–such as booking flexibility waivers, complimentary baggage allowance upgrades, priority check-in & boarding, and free standard seat collection. Other perks include a S$20 rebate with a S$100 nett KrisShop transaction and S$15 vouchers for ChangiWiFi and for Grab rides to and from Changi Airport. While KF UOB Card does not offer many luxury perks, it does fast-track cardholders spending S$5k/year with SIA to KF Elite Silver Status. Cardholders also receive 10,000 annual renewal miles (worth about S$100), which deftly offsets the S$192.6 annual fee. Overall, KrisFlyer UOB Card is a great match for young SIA loyalists looking for practical, affordable perks.

Best Cashback Cards with Petrol Savings

Everyday cashback includes saving on petrol–these cards offer some of the best savings rates overall.

UOB One Credit Card: Highest Rebate for Stable Budgets

  • Up to 5% rebate on all spend, S$300/quarter
  • Promotions: New cardholders will receive S$80 cash via Paynow & Existing cardholders will receive S$20 worth of GrabFood Vouchers
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Read Our Full Review
  • Up to 28.72% fuel savings at Shell
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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
If you’re looking for straightforward cashback on all of your spend, UOB One Card is the best option on the market. Cardholders who consistently spend S$2,000/month earn a 5% general rebate, up to S$300/quarter. This rate is further boosted to 6% on utilities bills and 10% on Grab and select UOB Travel spend. 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. 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.

  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Up to 28.72% fuel savings at Shell
  • Promotions: New cardholders will receive S$80 cash via Paynow & Existing cardholders will receive S$20 worth of GrabFood Vouchers
  • Existing cardholders will receive S$20 worth of GrabFood voucher
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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
If you’re looking for straightforward cashback on all of your spend, UOB One Card is the best option on the market. Cardholders who consistently spend S$2,000/month earn a 5% general rebate, up to S$300/quarter. This rate is further boosted to 6% on utilities bills and 10% on Grab and select UOB Travel spend. 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. 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.

Citi Cash Back Card: Cashback for Global Food & Petrol

  • Up to 8% rebate on global dining, groceries & petrol
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Up to 20.88% fuel savings at Esso & Shell
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on grocery
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
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.

  • Stand-Out: Up to 8% rebate on global dining, groceries & petrol
  • Up to 20.88% fuel savings at Esso & Shell
  • Promotions: Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on grocery
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
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.

POSB Everyday Card: Rebates on Essentials + ABT Capabilities

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • Up to 20.1% fuel savings at SPC stations
  • Annual fee: S$192.60 (first year - waived)
  • 8% rebate on online food delivery, 5% rebate on groceries at Sheng Siong
  • 3% rebate on dining and online shopping, 2% rebate on transport and fuel (up to 20.1% fuel savings at SPC)
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
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, with promotional rates that frequently reach up to 8% cashback on online food delivery, dining, groceries, transport, personal care and even recurring bills. Cardholders also receive up to 20.1% fuel savings at SPC. Finally, POSB Everyday Card is especially convenient as its ABT capabilities allow for contactless payment of public transit fares. Overall, consumers can enjoy the convenience of POSB Everyday Card in earning on daily spend, while also receiving great petrol savings.
  • Stand-Out: Best for rebates in SG & MY w/ S$500 min. spend
  • Up to 20.1% fuel savings at SPC stations
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 8% rebate on online food delivery, 5% rebate on groceries at Sheng Siong
  • 3% rebate on dining and online shopping, 2% rebate on transport and fuel (up to 20.1% fuel savings at SPC)
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
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, with promotional rates that frequently reach up to 8% cashback on online food delivery, dining, groceries, transport, personal care and even recurring bills. Cardholders also receive up to 20.1% fuel savings at SPC. Finally, POSB Everyday Card is especially convenient as its ABT capabilities allow for contactless payment of public transit fares. Overall, consumers can enjoy the convenience of POSB Everyday Card in earning on daily spend, while also receiving great petrol savings.

Citi SMRT Card: Easy Rebates for Young Professionals

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.60 (first year- waived)
  • 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
  • SimplyGo/ABT compatible
Young professionals with modest budgets can rapidly earn rebates with no minimum spend requirement, with Citi SMRT Card. Cardholders earn up to 5% 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.

  • Stand-Out: Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Up to 14% fuel savings at Esso & Shell
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 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
  • SimplyGo/ABT compatible
Young professionals with modest budgets can rapidly earn rebates with no minimum spend requirement, with Citi SMRT Card. Cardholders earn up to 5% 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.

Best No-Fee Credit Cards with Petrol Savings

The following cards offer a maintenance-free way to earn rewards & enjoy fuel savings.

OCBC 365 Card: No-Fee Cashback on Everyday Essentials

  • Unltd. travel & overseas cashback plus lounge & waived green fees
  • Promotions:
  • Existing OCBC cardmembers will receive S$50 GrabFood vouchers, only for the first 1,000 cardmembers with a min. spend of S$300 by the end of the next month following card approval date
  • Read Our Full Review
  • Up to 22.1% savings at Caltex, 20.2% at Esso and 5% cashback at all other petrol stations
  • Annual fee: S$192.60 (waived for the first 2 years with min spend of S$10,000/year)
  • 6% rebate on dining & online food delivery
  • 3% rebate on local and overseas groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • Visa Signature Privileges
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 24% fuel savings with Sinopec, 23% 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.

  • Stand-Out: Unltd. travel & overseas cashback plus lounge & waived green fees
  • Up to 22.1% savings at Caltex, 20.2% at Esso and 5% cashback at all other petrol stations
  • Promotions:
  • Existing OCBC cardmembers will receive S$50 GrabFood vouchers, only for the first 1,000 cardmembers with a min. spend of S$300 by the end of the next month following card approval date
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for the first 2 years with min spend of S$10,000/year)
  • 6% rebate on dining & online food delivery
  • 3% rebate on local and overseas groceries
  • 3% rebate on land transport, utilities (telco and electricity bills) & online travel
  • 5% rebate on petrol (up to 22.1% fuel savings at Caltex and 20.2% with Esso)
  • 0.3% cashback on all other spend
  • Visa Signature Privileges
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 24% fuel savings with Sinopec, 23% 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.

HSBC Revolution: Miles for Online & Social Spend

  • Up to 2mi/S$1 spend on online insurance & bill-pay
  • Promotions: Free Samsonite luggage or S$150 cashback + S$30 in Lazada vouchers
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Up to 16% fuel savings at Caltex, 14% at Shell
  • Annual fee: none
  • 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
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.

  • Stand-Out: Up to 2mi/S$1 spend on online insurance & bill-pay
  • Up to 16% fuel savings at Caltex, 14% at Shell
  • Promotions: Free Samsonite luggage or S$150 cashback + S$30 in Lazada vouchers
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Annual fee: none
  • 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
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.

HSBC Visa Platinum: No-Fee Cashback & Miles

  • Rebates on local food & petrol, miles for general spend
  • Promotions: Free Samsonite luggage or S$150 cashback + S$30 in Lazada vouchers
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Up to 20.2% fuel savings at Caltex, 18.3% at Shell
  • Annual fee: S$192.60 (waived for two years)
  • 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)
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.

  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • Up to 20.2% fuel savings at Caltex, 18.3% at Shell
  • Promotions: Free Samsonite luggage or S$150 cashback + S$30 in Lazada vouchers
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • 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)
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.

Best Credit Cards with Transport Perks & Petrol Savings

If you want easy rewards for spend on everything from public transit to private hire rides, consider these market-leading options.

Maybank Family & Friends MasterCard: Best for Rebates in SG & MY

  • Up to S$30/quarter with just S$300/month spend
  • Promotions: Receive S$100 rebate w/ S$250 monthly spend for 2mo + additional S$30 via PayNow
  • Read Our Full Review
  • Up to 8% cashback on transport and petrol in Singapore and Malaysia
  • Annual fee: S$180 (first year- waived)
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
If you frequently spend in both Singapore & Malaysia and want to avoid a high minimum requirement, Maybank Family & Friends Card is an exceptional option. Cardholders spending as little as S$500/month can earn 5% rebate in both countries on fast food & food delivery, groceries, transport, petrol & data communications/online TV streaming. A higher spend of S$800/month earns 8% rebate, up to an impressive S$80/month. These are some of the highest rates for both average and 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.

  • Stand-Out: Up to S$30/quarter with just S$300/month spend
  • Up to 8% cashback on transport and petrol in Singapore and Malaysia
  • Promotions: Receive S$100 rebate w/ S$250 monthly spend for 2mo + additional S$30 via PayNow
  • Read Our Full Review
  • Annual fee: S$180 (first year- waived)
  • Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
If you frequently spend in both Singapore & Malaysia and want to avoid a high minimum requirement, Maybank Family & Friends Card is an exceptional option. Cardholders spending as little as S$500/month can earn 5% rebate in both countries on fast food & food delivery, groceries, transport, petrol & data communications/online TV streaming. A higher spend of S$800/month earns 8% rebate, up to an impressive S$80/month. These are some of the highest rates for both average and 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.

Maybank Horizon Visa Signature: Best Travel Card for Local Miles

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive S$100 rebate w/ S$250 monthly spend for 2mo + additional S$30 via PayNow
  • Read Our Full Review
  • Up to 14% fuel savings with select petrol merchants
  • Annual fee: S$180 (waived for three years)
  • 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
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 14% 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.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Up to 14% fuel savings with select petrol merchants
  • Promotions: Receive S$100 rebate w/ S$250 monthly spend for 2mo + additional S$30 via PayNow
  • Read Our Full Review
  • Annual fee: S$180 (waived for three years)
  • 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
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 14% 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.

American Express Singapore Airlines Krisflyer Card: Hassle-Free Miles

  • Earn rewards for SIA spend, no transfer fees or processing times
  • Promotions: New cardmembers will receive AirPods with Charging Case (worth $239) with min S$500 spend in 1st mo (valid until January 31)
  • Spend S$3k w/in 1st 3mo, receive 5k bonus miles & an additional Acer Monitor (worth up to S$349) + AirPod with Charging Case with S$500 spend in the 1st month (valid until December 14)
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Up to 20% fuel savings at SPC
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi 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 Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
American Express Singapore Airlines KrisFlyer Card is a great option for miles card beginners, especially for SIA loyalists. 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. Rewards are earned directly in KrisFlyer miles, so there's no need to worry about conversions or transfer fees. 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. 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.
  • Stand-Out: Earn rewards for SIA spend, no transfer fees or processing times
  • Up to 20% fuel savings at SPC
  • Promotions: New cardmembers will receive AirPods with Charging Case (worth $239) with min S$500 spend in 1st mo (valid until January 31)
  • Spend S$3k w/in 1st 3mo, receive 5k bonus miles & an additional Acer Monitor (worth up to S$349) + AirPod with Charging Case with S$500 spend in the 1st month (valid until December 14)
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55 (first year- waived)
  • 1.1 miles per S$1 local & overseas spend, 2 mi 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 Grab transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
American Express Singapore Airlines KrisFlyer Card is a great option for miles card beginners, especially for SIA loyalists. 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. Rewards are earned directly in KrisFlyer miles, so there's no need to worry about conversions or transfer fees. 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. 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.

CIMB Platinum MasterCard: Rebates on Medical, Transport & Dining

  • Promotions: New cardholders will receive S$100 cash credit gift after spending S$350/month for two months (valid until February 28)
  • Read Our Full Review
  • Up to 10% cashback on transport and petrol (capped at S$20 per month)
  • Annual fee: free for life
  • 10% cashback on dining, medical, transport, petrol & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • Unlimited 0.2% cashback on all other spend
  • CIMB 0% Interest i.Pay Instalment Plan
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.

  • Stand-Out:
  • Up to 10% cashback on transport and petrol (capped at S$20 per month)
  • Promotions: New cardholders will receive S$100 cash credit gift after spending S$350/month for two months (valid until February 28)
  • Read Our Full Review
  • Annual fee: free for life
  • 10% cashback on dining, medical, transport, petrol & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • Unlimited 0.2% cashback on all other spend
  • CIMB 0% Interest i.Pay Instalment Plan
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.

Best Credit Cards with Petrol Savings for Higher Spenders

These cards are excellent for high spenders because of their unlimited earning potential.

American Express True Cashback Card: Limitless Rewards + Amex Perks

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Promotions: New cardmembers will receive S$160 cash via PayNow with S$500 spend on eligible purchases within the 1st month of card approval (valid until January 31)
  • Read Our Full Review
  • Up to 20% fuel savings at SPC
  • Annual fee: S$171.20 (first year- waived)
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
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 21% 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.

  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Up to 20% fuel savings at SPC
  • Promotions: New cardmembers will receive S$160 cash via PayNow with S$500 spend on eligible purchases within the 1st month of card approval (valid until January 31)
  • Read Our Full Review
  • Annual fee: S$171.20 (first year- waived)
  • Unlimited 1.5% cashback on all spend
  • Free travel insurance & Amex Selects Privileges
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 21% 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.

Standard Chartered Unlimited Cashback Card: Untld. Rebates Worldwide

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: All new cardholders will receive AirPods Pro (worth S$349) or $300 cash via PayNow upon activating and spending min SGD$80 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Up to 21.46% fuel savings at Caltex
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
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 both SimplyGo compatible and offers up to 22.61% fuel savings at Caltex. This petrol discount is 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.

  • Stand-Out: 1.5% unlimited cashback w/ no min. spend requirement
  • Up to 21.46% fuel savings at Caltex
  • Promotions: All new cardholders will receive AirPods Pro (worth S$349) or $300 cash via PayNow upon activating and spending min SGD$80 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (waived for two years)
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
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 both SImplyGo compatible and offers up to 22.61% fuel savings at Caltex. This petrol discount is 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.

OCBC 90°N Card: Unlimited Miles & Cashback, Hassle-Free

  • Earn unlimited cashback & miles, no conversion fees
  • Promotions: 15% off Le Petit Chef Dining Experience and 10% off Kekito Bakery with promo code OCBCKEKITO (valid until June 30)
  • Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
Unlimited cashback cards are often a great fit for high spenders who typically feel limited by capped rebate cards. OCBC 90°N Card not only allows cardholders to earn up to their full potential, but also offers the opportunity to occasionally switch to miles earning as well. Cardholders earn in Travel$–a point system where 1 Travel$ converts to S$0.01 cash rebate or 1 air mile. As such, cardholders earn at a rate of unlimited 1.2% rebate locally and 2.1% overseas, or 1.2 miles per S$1 locally and 2.1 miles overseas. These rates are quite competitive regardless of rewards type. Additionally, conversions are equivalent for both rebates and miles (most points cards weaken the value of cashback redemptions), and there are no transfer fees. Even more, rewards earned never expire.


Beyond the versatile rewards system, OCBC 90°N Card also provides a few great perks. Cardholders enjoy 10,000 Travel$ every year, which is equal to S$100 or 10,000 air miles. No unlimited cashback card offers such a bonus, and only a select few travel cards at similar price points also offer annual renewal miles. This bonus also offsets the moderate S$192.6 fee. On a final note, cardholders can also enjoy discounted US$32 per person access to lounges across the world, through Mastercard Airport Experiences. Overall, OCBC 90°N Card offers competitive rates and top hybrid rewards, ideally structured to maximise value for high spenders.

  • Stand-Out: Earn unlimited cashback & miles, no conversion fees
  • Promotions: 15% off Le Petit Chef Dining Experience and 10% off Kekito Bakery with promo code OCBCKEKITO (valid until June 30)
  • Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
Unlimited cashback cards are often a great fit for high spenders who typically feel limited by capped rebate cards. OCBC 90°N Card not only allows cardholders to earn up to their full potential, but also offers the opportunity to occasionally switch to miles earning as well. Cardholders earn in Travel$–a point system where 1 Travel$ converts to S$0.01 cash rebate or 1 air mile. As such, cardholders earn at a rate of unlimited 1.2% rebate locally and 2.1% overseas, or 1.2 miles per S$1 locally and 2.1 miles overseas. These rates are quite competitive regardless of rewards type. Additionally, conversions are equivalent for both rebates and miles (most points cards weaken the value of cashback redemptions), and there are no transfer fees. Even more, rewards earned never expire.


Beyond the versatile rewards system, OCBC 90°N Card also provides a few great perks. Cardholders enjoy 10,000 Travel$ every year, which is equal to S$100 or 10,000 air miles. No unlimited cashback card offers such a bonus, and only a select few travel cards at similar price points also offer annual renewal miles. This bonus also offsets the moderate S$192.6 fee. On a final note, cardholders can also enjoy discounted US$32 per person access to lounges across the world, through Mastercard Airport Experiences. Overall, OCBC 90°N Card offers competitive rates and top hybrid rewards, ideally structured to maximise value for high spenders.

HSBC Advance Card: Best for Affluent Advance Customers

  • Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Promotions: Free Samsonite luggage or S$150 cashback + S$30 in Lazada vouchers
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Up to 16% fuel savings at Caltex, 14% at Shell
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection
HSBC Advance Card is one of the best flat rebate cards on the market, especially for higher spenders. Cenjoy up to 3.5% flat cashback after S$2,000 spend (or 2.5% cashback if spend is lower) and up to S$300/month for simply depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. In addition, all cardholders can earn up to 16% fuel savings with Caltex, assuming outdoor payment (14% if indoors) and 14% with Shell.


It's worth mentioning that not depositing at least S$2,000 in fresh funds every month will mean that you cannot qualify for the bonus cashback of 1%, decreasing the cashback rate to 2.5% for spend above S$2,000 and 1.5% for spend below S$2,000. In addition, monthly cashback will be capped at S$70/month, dropping your annual savings from S$3,600 to just S$840. Ultimately, if you’re an above-average spender looking to maximise cashback, we’d recommend checking to see if you qualify for HSBC Advance.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$125/month rewards cap
  • Up to 16% fuel savings at Caltex, 14% at Shell
  • Promotions: Free Samsonite luggage or S$150 cashback + S$30 in Lazada vouchers
  • Apply online with MyInfo via SingPass, receive S$30 Lazada vouchers
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 2.5% base cashback on purchases of S$2,000 and above
  • 1% bonus cashback when deposit min S$2,000 per month
  • Up to 16% fuel savings with Caltex and 14% petrol discount with Shell
  • Visa Concierge and e-Commerce purchase protection
HSBC Advance Card is one of the best flat rebate cards on the market, especially for higher spenders. Cenjoy up to 3.5% flat cashback after S$2,000 spend (or 2.5% cashback if spend is lower) and up to S$300/month for simply depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. In addition, all cardholders can earn up to 16% fuel savings with Caltex, assuming outdoor payment (14% if indoors) and 14% with Shell.


It's worth mentioning that not depositing at least S$2,000 in fresh funds every month will mean that you cannot qualify for the bonus cashback of 1%, decreasing the cashback rate to 2.5% for spend above S$2,000 and 1.5% for spend below S$2,000. In addition, monthly cashback will be capped at S$70/month, dropping your annual savings from S$3,600 to just S$840. Ultimately, if you’re an above-average spender looking to maximise cashback, we’d recommend checking to see if you qualify for HSBC Advance.

Citi Prestige MasterCard: Luxury Perks for High-Spending Travellers

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Up to 14% fuel savings at 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
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.

  • Stand-Out: Unltd lounge access, free travel insurance & bonus hotel nights
  • Up to 14% fuel savings at Esso & Shell
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • 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
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.

Standard Chartered Visa Infinite X: Top Bonus Miles for Wealthy Travellers

  • Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions:
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020
  • Read Our Full Review
  • Up to 20.20% fuel savings at Caltex
  • Annual fee: S$695.50
  • 1.2 miles (3pts) per S$1 local spend
  • 2 miles (5pts) per S$1 overseas spend
  • 2 complimentary visits to Priority Pass lounges
  • Complimentary travel insurance
  • 0% Interest Instalment Plan
Standard Chartered Visa Infinite X Card has the best upfront bonus on the market for very affluent travellers. New cardholders who place S$300k fresh funds in a SC Priority Banking account receive an incredible 100,000 KrisFlyer miles–that's equal to approximately S$10k value when redeemed for business class air tickets. Those with even more funds readily available can receive 150,000 bonus miles (worth S$15k) by placing S$800k. And, Priority Private Banking customers who place S$1.5m fresh funds receive an astounding 300,000 miles (worth S$30k). These sign-on offers easily offset the high S$695.5 fee and make the card worthwhile even though its rates (1.2 miles per S$1 locally, 2 miles overseas) aren't especially competitive. Overall, very affluent individuals who can take advantage of the welcome bonus should definitely consider SC Visa Infinite X Card if they want to rapidly accrue miles.
  • Stand-Out: Receive S$6,000 cash reward for investing w/ SC Bank
  • Promotions:
  • For every month you spend at least S$4,000, receive 2,000 bonus miles unti 31 Dec 2020
  • Read Our Full Review
  • Annual fee: S$695.50
  • 1.2 miles (3pts) per S$1 local spend
  • 2 miles (5pts) per S$1 overseas spend
  • 2 complimentary visits to Priority Pass lounges
  • Complimentary travel insurance
  • 0% Interest Instalment Plan
Standard Chartered Visa Infinite X Card has the best upfront bonus on the market for very affluent travellers. New cardholders who place S$300k fresh funds in a SC Priority Banking account receive an incredible 100,000 KrisFlyer miles–that's equal to approximately S$10k value when redeemed for business class air tickets. Those with even more funds readily available can receive 150,000 bonus miles (worth S$15k) by placing S$800k. And, Priority Private Banking customers who place S$1.5m fresh funds receive an astounding 300,000 miles (worth S$30k). These sign-on offers easily offset the high S$695.5 fee and make the card worthwhile even though its rates (1.2 miles per S$1 locally, 2 miles overseas) aren't especially competitive. Overall, very affluent individuals who can take advantage of the welcome bonus should definitely consider SC Visa Infinite X Card if they want to rapidly accrue miles.

Best Online Shopping Cards with Petrol Savings

These credit cards both reward retail & online shopping as well as offer great petrol discounts.

OCBC Frank Card: No-Fee Rebates on Online Spend

  • 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: Spend at least S$1,000/month and earn additional 4% cashback, capped at S$40 for purchases in January and February
  • Existing OCBC cardholders will receive S$20 cashback (valid until December 31)
  • Additional 4% cashback on all bonus categories (online, in-store mobile contactless and foreign currency made in-store) min. spend of S$600. Capped at S$25
  • Read Our Full Review
  • Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • Annual fee: S$80 (waived for two years)
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
Lower spenders can access top rates after just S$600 offline spend with OCBC Frank Card, one of the best options for social and weekend spenders. Cardholders earn 6% rebate on FX, online, and mobile contactless purchases. These rates are incredibly accessible given the low S$600 minimum, and cardholders can earn up to S$75/month.

Cardholders can utilize their 6% mobile contactless benefit to earn rewards on their petrol expenses. This card has a fee of S$80, but is waived 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 digital expenditures, but who may feel limited by smaller budgets.

  • Stand-Out: 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • Promotions: Spend at least S$1,000/month and earn additional 4% cashback, capped at S$40 for purchases in January and February
  • Existing OCBC cardholders will receive S$20 cashback (valid until December 31)
  • Additional 4% cashback on all bonus categories (online, in-store mobile contactless and foreign currency made in-store) min. spend of S$600. Capped at S$25
  • Read Our Full Review
  • Annual fee: S$80 (waived for two years)
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
Lower spenders can access top rates after just S$600 offline spend with OCBC Frank Card, one of the best options for social and weekend spenders. Cardholders earn 6% rebate on FX, online, and mobile contactless purchases. These rates are incredibly accessible given the low S$600 minimum, and cardholders can earn up to S$75/month.

Cardholders can utilize their 6% mobile contactless benefit to earn rewards on their petrol expenses. This card has a fee of S$80, but is waived 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 digital expenditures, but who may feel limited by smaller budgets.

Citi Rewards: Flexible Rewards on All Online & Fashion Spend

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
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.
  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spend
  • Up to 14% fuel savings at Esso & Shell
  • Promotions: New Citibank cardmembers get Apple Watch SE or S$300 cash with min spend of S$200 within 30 days of card approval (valid until February 5)
  • Existing cardholders will receive $30 cash via PayNow
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
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.

OCBC Titanium Card: Top Miles for Fashion & Retail

  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • Annual fee: S$192.60 (two years- waived)
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
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 20% fuel savings with Sinopec, 16% with Caltex and 15% with Esso. If you’re looking for no-fee rewards on retail, OCBC Titanium Card is the best option.

  • Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • Annual fee: S$192.60 (two years- waived)
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
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 20% fuel savings with Sinopec, 16% with Caltex and 15% with Esso. If you’re looking for no-fee rewards on retail, OCBC Titanium Card is the best option.

DBS Woman's World: Miles for Online Shopping & 0% Instal Plan

  • Up to 4 miles/S$1 spend on online shopping
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • Up to 14% fuel savings at Esso
  • Annual fee: S$192.60 (first year- waived)
  • 20 miles per S$1 spend on online purchases, 6 miles on overseas and 2 miles on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
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 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.

  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Up to 14% fuel savings at Esso
  • Promotions: Use code FLASHCNY to get 100% cashback (gift) on dining and groceries (up to S$288) when you apply for a DBS/POSB credit card (valid until February 9)
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 20 miles per S$1 spend on online purchases, 6 miles on overseas and 2 miles on all other purchases
  • DBS My Preferred Payment Plan (0% interest instalments)
  • Hertz Gold Plus Rewards membership & access to Quayside
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 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.

Citi Lazada Card: Miles for Social & Lazada Spend

  • Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Receive S$150 Lazada voucher
  • Read Our Full Review
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.60 (first year - waived)
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 mi (5pts) on dining, travel, entertainment and commute
  • Shipping rebates on Lazada
  • Complimentary travel insurance
First and foremost, Citi Lazada Card is a perfect option for frequent online Lazada shoppers seeking miles for their purchases. Cardholders not only earn 4 miles (10pts) per S$1 spend with Lazada, they also enjoy exclusive discounts and shipping rebates of S$1.99 per S$50+ purchase (up to 4x/month). Citi Lazada Card is also a great option for those seeking petrol savings, however, due to its 14% fuel savings with Esso & Shell as well as its impressive transport perks. Beyond online shopping, cardholders are also rewarded with 2 miles per S$1 spend on dining, entertainment, travel and transport–including everything from limousines and taxis to Grab and Gojek. As a result, consumers are likely to benefit regardless of their chosen form of transport.


Nonetheless, Citi Lazada Card my not be the best option for higher spenders or those seeking an everyday card. Earnings are capped at a fairly low 4,000 miles (10,000pts) per month, which is roughly equal to S$40 value-to-consumer and can be maxed out with as little as S$1,000 spend. In conclusion, Citi Lazada Card is ideal for Lazada loyalists with a shopping budget of about S$1k, and stands out by offering additional perks for transport.

  • Stand-Out: Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Up to 14% fuel savings at Esso & Shell
  • Promotions: Receive S$150 Lazada voucher
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived)
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 mi (5pts) on dining, travel, entertainment and commute
  • Shipping rebates on Lazada
  • Complimentary travel insurance
First and foremost, Citi Lazada Card is a perfect option for frequent online Lazada shoppers seeking miles for their purchases. Cardholders not only earn 4 miles (10pts) per S$1 spend with Lazada, they also enjoy exclusive discounts and shipping rebates of S$1.99 per S$50+ purchase (up to 4x/month). Citi Lazada Card is also a great option for those seeking petrol savings, however, due to its 14% fuel savings with Esso & Shell as well as its impressive transport perks. Beyond online shopping, cardholders are also rewarded with 2 miles per S$1 spend on dining, entertainment, travel and transport–including everything from limousines and taxis to Grab and Gojek. As a result, consumers are likely to benefit regardless of their chosen form of transport.


Nonetheless, Citi Lazada Card my not be the best option for higher spenders or those seeking an everyday card. Earnings are capped at a fairly low 4,000 miles (10,000pts) per month, which is roughly equal to S$40 value-to-consumer and can be maxed out with as little as S$1,000 spend. In conclusion, Citi Lazada Card is ideal for Lazada loyalists with a shopping budget of about S$1k, and stands out by offering additional perks for transport.

BOC Zaobao Credit Card: In-store & Online Shopping

  • 15% on rebate on petrol transactions
  • Promotions:
  • Annual fee: S$203.30 (waived for 2 years)
  • Up to 20% cash rebate on Zaobao & SPH newspaper subscriptions
  • 23% savings on petrol at SPC and 5% savings at Shell
  • 5% cash rebate on all spend in Mainland China
  • 10% cashback on dining, shopping and online purchases
The BOC Zaobao Credit Card offers cardholders an extensive list of rewards rates for everyday purchases. After just S$600 monthly spend, individuals can begin to earn a 3% rebate on their online and MCST transactions. On top of this, cardholders get a 5% rebate on their dining and department store purchases and a 10% rebate on purchases made at Buzz. Cardholders with a higher monthly budget have the potential to earn a bonus 1% rebate on all retail transactions with a minimum monthly spend S$2,000. For individuals who enjoy earning points for their transactions, this card also offers 2x BOC Bonus Points for every S$1 spent overseas and 1 BOC Bonus Point for every S$1 spent locally, which can be redeemed by contacting BOC’s customer service hotline. These points can be used to redeem rewards on dining, retail, leisure, air miles, and more.


There is a S$203.30 annual fee, which is waived for the first 2 years. This credit card has a cumulative cashback cap of S$60 (S$30 cap for petrol, Zaobao, and SPH transactions & S$30 cap for MCST, dining, department store, online and Buzz purchases). If consumers max out their rewards for just 4 months, they will be able to offset the annual fee associated with the credit card. Cashback earned from the bonus rate has no cashback cap, meaning that after meeting the minimum spend, cardholders can earn unlimited cashback on their retail purchases. Overall, for individuals looking for a credit card that allows for earnings on virtually all types of purchases making it effortless to begin earning rewards.

  • Stand-Out: 15% on rebate on petrol transactions
  • Promotions:
  • Annual fee: S$203.30 (waived for 2 years)
  • Up to 20% cash rebate on Zaobao & SPH newspaper subscriptions
  • 23% savings on petrol at SPC and 5% savings at Shell
  • 5% cash rebate on all spend in Mainland China
  • 10% cashback on dining, shopping and online purchases
The BOC Zaobao Credit Card offers cardholders an extensive list of rewards rates for everyday purchases. After just S$600 monthly spend, individuals can begin to earn a 3% rebate on their online and MCST transactions. On top of this, cardholders get a 5% rebate on their dining and department store purchases and a 10% rebate on purchases made at Buzz. Cardholders with a higher monthly budget have the potential to earn a bonus 1% rebate on all retail transactions with a minimum monthly spend S$2,000. For individuals who enjoy earning points for their transactions, this card also offers 2x BOC Bonus Points for every S$1 spent overseas and 1 BOC Bonus Point for every S$1 spent locally, which can be redeemed by contacting BOC’s customer service hotline. These points can be used to redeem rewards on dining, retail, leisure, air miles, and more.


There is a S$203.30 annual fee, which is waived for the first 2 years. This credit card has a cumulative cashback cap of S$60 (S$30 cap for petrol, Zaobao, and SPH transactions & S$30 cap for MCST, dining, department store, online and Buzz purchases). If consumers max out their rewards for just 4 months, they will be able to offset the annual fee associated with the credit card. Cashback earned from the bonus rate has no cashback cap, meaning that after meeting the minimum spend, cardholders can earn unlimited cashback on their retail purchases. Overall, for individuals looking for a credit card that allows for earnings on virtually all types of purchases making it effortless to begin earning rewards.

Best Credit Card for DBS Loyalists

If you mostly buy petrol from Esso stations, you can max out rewards with this loyalty card.

DBS Esso Platinum Card: Top Savings for Esso Loyalists

DBS Esso Card
DBS Esso Card
  • Up to 21.2% fuel savings at Esso
  • Annual fee: S$192.60
  • Up to 21.2% fuel savings
  • 2.4% Smiles savings
  • 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax
DBS Esso Card is a great petrol card for Esso loyalists, offering up to 21.2% 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.

DBS Esso Card
DBS Esso Card
  • Stand-Out: Top discounts & savings on Synergy fuel at Esso
  • Up to 21.2% fuel savings at Esso
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60
  • Up to 21.2% fuel savings
  • 2.4% Smiles savings
  • 0% Interest-Free Instalment Payment Plan for Motor Insurance and Road Tax
DBS Esso Card is a great petrol card for Esso loyalists, offering up to 21.2% 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.

Learn More About How to Find the Best Credit Card for You

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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