Best Petrol Credit Cards 2020

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, we've 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 24% fuel savings at Sinopec, 23% at Caltex, 20.4% at Esso
  • 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:
Best Petrol Credit Card for Esso Loyalists:

Compare Best Cashback 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 Credit Cards for Petrol Savings: Best Cashback Credit Cards for Petrol Savings: Best No Fee Credit Cards for Petrol Savings: Best Credit Cards for Transport Perks & Petrol Savings: Best Petrol Credit Cards for High Spenders: Best Petrol Credit Cards for Online Shopping & Mobile-Pay: Best Petrol Credit Card for Esso Loyalists:

Compare Best 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: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • 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$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 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: Choose between free AirPods w/ Charging Case (worth S$239) OR 38k miles w/ S$2k spend in 1st 60 days
  • 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$192.6, 1-year waiver, subsequently with S$25,000 annual spend
  • 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • 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
  • 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • 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
  • 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: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
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: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
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: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Up to 28.72% fuel savings at Shell
  • Annual fee: S$192.6, 1-year waiver
  • 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 Programm
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: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 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 Programm
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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • 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
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: S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • 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
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

  • Promotional rebates of up to 15% in key spend categories
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • 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 20.1% fuel savings at SPC
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
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 15% 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: Promotional rebates of up to 15% in key spend categories
  • Up to 20.1% fuel savings at SPC
  • Promotions: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • 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$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • SimplyGo/ABT capabilities for public transit fares
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 15% 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$192.6, 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
  • 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 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.

  • 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$192.6, 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
  • 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 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.

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

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Up to 24% fuel savings at Sinopec, 23% at Caltex, 20.4% at Esso
  • 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
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: Up to 6% rebate on dining, groceries, transport & more
  • Up to 24% fuel savings at Sinopec, 23% at Caltex, 20.4% at Esso
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • 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
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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Up to 16% fuel savings at Caltex, 14% at 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
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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • 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
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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Up to 20.2% fuel savings at Caltex, 18.3% at Shell
  • 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
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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • 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
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

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Up to 20.88% fuel savings with select petrol merchants
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, 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 dining, 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: Best for rebates in SG & MY w/ S$500 min. spend
  • Up to 20.88% fuel savings with select petrol merchants
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, 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 dining, 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 free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Up to 14% fuel savings with select petrol merchants
  • 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
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 free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • 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
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: Easy Bonus Miles

  • Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 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, 1-year waiver
  • 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 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 21,000 bonus miles within 6 months: 5,000 with the first charge, 8,000 with S$5,000 spend in the 1st 3 months, and then another 8,000 with S$5,000 spend in the following 3 months. 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. 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.

  • Stand-Out: Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Up to 20% fuel savings at SPC
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 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 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 21,000 bonus miles within 6 months: 5,000 with the first charge, 8,000 with S$5,000 spend in the 1st 3 months, and then another 8,000 with S$5,000 spend in the following 3 months. 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. 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.

CIMB Platinum MasterCard: Rebates on Medical, Transport & Dining

  • Up to 10% cashback on transport, dining, medical & more
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Up to 10% cashback on petrol in SG
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • 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, dining, medical & more
  • Up to 10% cashback on petrol in SG
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • 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: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • Read Our Full Review
  • Up to 20% fuel savings at SPC
  • Annual fee: S$171.2, 1-year waiver
  • 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: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Welcome bonus of 3% cashback on up to S$5k spend in 1st 6mo
  • 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
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: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • Up to 21.46% fuel savings at Caltex
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
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: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
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: Up to 10% off Expedia bookings
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (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: Up to 10% off Expedia bookings
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Up to 16% fuel savings at Caltex, 14% at Shell
  • Annual fee: S$192.6, 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
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.

  • 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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 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
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.

Citi Prestige MasterCard: Luxury Perks for High-Spending Travellers

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • 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 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: 40k welcome bonus miles, exclusive via our partnership w/ SGSaver
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • Read Our Full Review
  • Up to 20.20% fuel savings at Caltex
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
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 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: 40k welcome bonus miles, exclusive via our partnership w/ SGSaver
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • Read Our Full Review
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
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

  • Up to 6% rebate online after just S$400 offline spend
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at 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)
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 and 5% on weekend entertainment & at select cafes (3% on weekdays). 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 20% fuel savings with Sinopec, 16% with Caltex and 15% 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.

  • Stand-Out: Up to 6% rebate online after just S$400 offline spend
  • Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • 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)
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 and 5% on weekend entertainment & at select cafes (3% on weekdays). 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 20% fuel savings with Sinopec, 16% with Caltex and 15% 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.

Citi Rewards: Flexible Rewards on All Online & Fashion Spend

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 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
  • 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$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 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
  • 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$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 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: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • 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$192.6, 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
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: Choose between free AirPods w/ Charging Case (worth S$239) OR S$200 cashback w/ S$2k spend in 1st 60 days
  • 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$192.6, 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
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 w/ S$1.2k spend in 1st 3 mo
  • Receive free 1-Year LiveUp Membership (worth S$59.90)
  • Read Our Full Review
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
  • Free 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 w/ S$1.2k spend in 1st 3 mo
  • Receive free 1-Year LiveUp Membership (worth S$59.90)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
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.

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 Platinum Card
DBS Esso Platinum Card
  • Top discounts & savings on Synergy fuel at Esso
  • Promotions: Up to S$120 fuel savings with min. S$200 nett fuel spend at Esso per month, for 3 months
  • Read Our Full Review
  • Up to 21.2% fuel savings at Esso
  • 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
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 Platinum Card
DBS Esso Platinum Card
  • Stand-Out: Top discounts & savings on Synergy fuel at Esso
  • Up to 21.2% fuel savings at Esso
  • Promotions: Up to S$120 fuel savings with min. S$200 nett fuel spend at Esso per month, for 3 months
  • 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
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, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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