Best SPC Credit Card Discounts 2020

Many credit cards partner with petrol brands to offer consumers special discounted rates. We've reviewed over 100+ credit cards in Singapore to identify those that offer great fuel savings with SPC as well as high rewards rates and attractive perks. Our in-depth analsysis provides insight into the comparative strengths of each card so you can determine which is the right fit for you.

Best Miles Credit Cards for SPC Discounts
  • DBS Altitude: Fee-waiver & perks like lounge access (Up to 15% fuel savings at SPC)
  • KrisFlyer UOB: 3mi/S$1 on dining, transport, shopping & travel (Up to 20% fuel savings at SPC)
  • Amex SIA KrisFlyer: Up to 21,500 bonus miles, S$150 SIA credit (Up to 21% fuel savings at SPC)
Best Cashback Credit Cards for SPC Discounts
  • UOB One: Highest flat rebate on the market, earn up to $300/qtr (Up to 24% fuel savings at SPC)
  • POSB Everyday: Top promotional rates on daily essentials (Up to 20.1% fuel savings at SPC)
  • DBS Live Fresh: Top rebates for online & contactless spend (Up to 15% fuel savings at SPC)
Best High Income Cards for SPC Discounts:
Best Online Shopping Card for SPC Discounts
  • DBS Woman's World: 4 miles per S$1 for online shopping(Up to 15% fuel savings at SPC)
Best Card with SPC Discounts for Young Adults
  • UOB YOLO: 8% rebate on wknd dining, entertainment & Grab (Up to 20% fuel savings at SPC)

Compare the Best Credit Cards with SPC Discounts in Singapore by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards 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 the best credit cards with SPC discounts compare to one another in terms of their rewards
Best Credit Cards with SPC Discounts in Singapore by Estimated 2-Year Dollar Value
Best Miles Cards for SPC Discounts Best Cashback Cards for SPC Discounts Best High Income Cards for SPC Discounts: Best Shopping Card for SPC Discounts Best Card with SPC Discounts for YA

Compare Credit Cards with SPC Discounts by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards 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 the best credit cards with SPC discounts compare to one another in terms of their rewards
Best Credit Cards with SPC Discounts in Singapore by Estimated 2-Year Dollar Value

SPC in Singapore: How Do Petrol Discounts Work?

Many credit cards advertise special petrol discounts and promotions–but how are these savings actually achieved? At SPC, SPC&U Members who've signed up for the brand's loyalty programme (which is free) earn an immediate and on-the-spot 10% discount on their fuel. Partnering credit cards then layer an additional discount, typically 5%, which adds to this loyalty perk. Finally, specific credit cards may offer an additional boost, which may be derived from a card-inherent rate (i.e. 5% cashback on petrol) or be awarded based on transaction amount (i.e. S$3 off of every S$60 gross petrol purchase). These discounts stack together to create a final SPC discount rate.

Best Air Miles Card with SPC Petrol Discounts

Frequent flyers can also enjoy top petrol savings with the travel credit cards below.

DBS Altitude Visa: No-Fee Miles & Luxury Perks

  • Free lounge access & golf privileges, waivable fee
  • Current Discount: Up to 15% fuel savings at SPC
  • 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))
If you're interested in exclusive travel perks but want to avoid paying a pricey annual fee, you should definitely consider DBS Altitude Visa Card. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas and 3 miles on online travel bookings. While these rates are fairly standard, DBS Altitude Card stands out by offering perks like 2 free lounge visits/year, complimentary travel insurance, discounted green fees and dining privileges via Visa Foodie Trail. Additionally, miles earned never expire.


Most cards offering such a wide variety of luxury benefits charge annual fees of S$450+; DBS Altitude, on the other hand, waives its already moderate S$192.6 fee the 1st year, and subsequently with just S$25,000 annual spend. This amount, which averages to about S$2,083/month, is reasonable for many consumers. As a result, DBS Altitude Card is a great option for everyday travellers seeking affordable luxury perks.

  • Stand-Out: Free lounge access & golf privileges, waivable fee
  • Current Petrol Discount: Up to 15% fuel savings at SPC
  • 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)
If you're interested in exclusive travel perks but want to avoid paying a pricey annual fee, you should definitely consider DBS Altitude Visa Card. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas and 3 miles on online travel bookings. While these rates are fairly standard, DBS Altitude Card stands out by offering perks like 2 free lounge visits/year, complimentary travel insurance, discounted green fees and dining privileges via Visa Foodie Trail. Additionally, miles earned never expire.


Most cards offering such a wide variety of luxury benefits charge annual fees of S$450+; DBS Altitude, on the other hand, waives its already moderate S$192.6 fee the 1st year, and subsequently with just S$25,000 annual spend. This amount, which averages to about S$2,083/month, is reasonable for many consumers. As a result, DBS Altitude Card is a great option for everyday travellers seeking affordable luxury perks.

KrisFlyer UOB Credit Card: Top Miles for Young 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
Young adults who frequently fly with SIA and tend to travel on a budget should definitely consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas spend, boosted to 3 miles for SIA brand purchases (SIA, SilkAir, Scoot, KrisShop). Consumers can unlock another boost to 3 miles per S$1 on dining, transport, online shopping & travel bookings when they spend at least S$500 with SIA within a year. This minimum can be reached with just a few regional trips per year, and the categories favour young adults who tend to have budgets concentrated in these areas.


Cardholders can also benefit from practical travel perks that are especially convenient for budget travellers. Consumers enjoy special privileges with Scoot including free priority check-in & boarding, baggage allowance upgrades, free standard seat selection and booking flexibility waivers. Other perks include rebates and vouchers with KrisShop, ChangiWiFi, and even Grab for trips to and from the airport. The S$192.6 annual fee is offset by 10,000 annual bonus miles (worth about S$100), which also makes KF UOB Card quite affordable. It's worth mentioning, however, that despite its special SPC petrol savings, KF UOB Cardholders won't earn miles for spend at SPC service stations.

  • 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
Young adults who frequently fly with SIA and tend to travel on a budget should definitely consider KrisFlyer UOB Card. Cardholders earn 1.2 miles per S$1 on general local and overseas spend, boosted to 3 miles for SIA brand purchases (SIA, SilkAir, Scoot, KrisShop). Consumers can unlock another boost to 3 miles per S$1 on dining, transport, online shopping & travel bookings when they spend at least S$500 with SIA within a year. This minimum can be reached with just a few regional trips per year, and the categories favour young adults who tend to have budgets concentrated in these areas.


Cardholders can also benefit from practical travel perks that are especially convenient for budget travellers. Consumers enjoy special privileges with Scoot including free priority check-in & boarding, baggage allowance upgrades, free standard seat selection and booking flexibility waivers. Other perks include rebates and vouchers with KrisShop, ChangiWiFi, and even Grab for trips to and from the airport. The S$192.6 annual fee is offset by 10,000 annual bonus miles (worth about S$100), which also makes KF UOB Card quite affordable. It's worth mentioning, however, that despite its special SPC petrol savings, KF UOB Cardholders won't earn miles for spend at SPC service stations.

American Express Singapore Airlines Krisflyer: Accessible Welcome Miles

  • Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Current Discount: Up to 21% 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
If you're a Singapore Airlines loyalist and want to quickly accrue miles, American Express Singapore Airlines KrisFlyer Card is a great option to consider. New cardholders receive 5,000 bonus KF miles just with their 1st transaction, plus up to an additional 16,000 miles if they spend S$10,000 in the 1st 6 months (about S$1,667/mo). Cardholders who spend S$12,000 within a year also receive a S$150 cash credit to Singapore Airlines, and taking Grab earns 500 bonus miles on the 1st ride. Altogether, it's fairly easy for consumers to accrue S$365+ in promotional value within the 1st year of their card ownership.


In terms of rates, cardholders earn 1.1 miles per S$1 general spend (2 miles overseas in June & December) and 2 miles on spend with SingaporeAir, SilkAir and KrisShop. Every S$1 spend on Grab earns 3.1 miles (up to 620 miles/mo). Even while Amex SIA KF Card offers easily accessible perks and attractive rates, its annual fee is just S$176.55–notably lower than many other travel cards'. It is worth mentioning, however, that cardholders can enjoy discounts with SPC but will not earn miles for spend at SPC service stations. Nonetheless, those who frequently fly with Singapore Airlines can max out the sign-on bonus–and continue to earn high rates for their flights–with Amex SIA KF Card.

  • Stand-Out: Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Current Petrol Discount: Up to 21% 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
If you're a Singapore Airlines loyalist and want to quickly accrue miles, American Express Singapore Airlines KrisFlyer Card is a great option to consider. New cardholders receive 5,000 bonus KF miles just with their 1st transaction, plus up to an additional 16,000 miles if they spend S$10,000 in the 1st 6 months (about S$1,667/mo). Cardholders who spend S$12,000 within a year also receive a S$150 cash credit to Singapore Airlines, and taking Grab earns 500 bonus miles on the 1st ride. Altogether, it's fairly easy for consumers to accrue S$365+ in promotional value within the 1st year of their card ownership.


In terms of rates, cardholders earn 1.1 miles per S$1 general spend (2 miles overseas in June & December) and 2 miles on spend with SingaporeAir, SilkAir and KrisShop. Every S$1 spend on Grab earns 3.1 miles (up to 620 miles/mo). Even while Amex SIA KF Card offers easily accessible perks and attractive rates, its annual fee is just S$176.55–notably lower than many other travel cards'. It is worth mentioning, however, that cardholders can enjoy discounts with SPC but will not earn miles for spend at SPC service stations. Nonetheless, those who frequently fly with Singapore Airlines can max out the sign-on bonus–and continue to earn high rates for their flights–with Amex SIA KF Card.

Best Cashback Cards with SPC Petrol Discounts

If you prefer earning everyday rebates on your spend, consider these great cashback cards.

UOB One Credit Card: Top Flat Rebate for Consistent Spenders

  • Up to 5% rebate on all spend, S$300/quarter
  • Current Discount: Up to 24% fuel savings at SPC
  • 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
Those with a stable budget of about S$2,000/month can potentially earn up to S$1,200/year in rewards with UOB One Card. At this consistent spend level, cardholders earn 5% cashback, up to S$100/month (rewarded as S$300/quarter). It's worth mentioning that lower or variable spenders with budgets of at least S$1,000 or S$500 month can still earn at 3.33%–up to S$33/month or S$17/month, respectively–but these rates are somewhat less competitive.


In addition to it's flat rate on general spend, UOB One Card also selectively boosts bill pay for power utilities bills by +1% and Grab transactions by up to +5%. And, due to its partnership with SPC, UOB One Card also offers cardholders very competitive petrol discounts. Overall, those who can consistently keep a S$2,000/month budget should definitely consider UOB One Card in their pursuit to maximise everyday cashback.

  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Current Petrol Discount: Up to 24% fuel savings at SPC
  • 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
Those with a stable budget of about S$2,000/month can potentially earn up to S$1,200/year in rewards with UOB One Card. At this consistent spend level, cardholders earn 5% cashback, up to S$100/month (rewarded as S$300/quarter). It's worth mentioning that lower or variable spenders with budgets of at least S$1,000 or S$500 month can still earn at 3.33%–up to S$33/month or S$17/month, respectively–but these rates are somewhat less competitive.


In addition to it's flat rate on general spend, UOB One Card also selectively boosts bill pay for power utilities bills by +1% and Grab transactions by up to +5%. And, due to its partnership with SPC, UOB One Card also offers cardholders very competitive petrol discounts. Overall, those who can consistently keep a S$2,000/month budget should definitely consider UOB One Card in their pursuit to maximise everyday cashback.

POSB Everyday Card: Promotional Rebates in Key Categories

  • Promotional rebates of up to 15% in key spend categories
  • Current Discount: 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
People who want to earn easy rebates on their daily spend may want to consider POSB Everyday Card. Cardholders earn high promotional rates across a variety of spend categories, like on food (online delivery, groceries & dining), transport (including petrol and parking), personal care and even recurring bills. In fact, while they frequently change, rebates are often as high as 15% in select categories. While some categories are merchant restricted, those selected tend to be quite popular (such as Sheng Siong and Gojek). And, as only some categories have earnings caps, cardholders technically have the opportunity to earn limitless cashback. Overall, POSB Everyday Card is a great match for people seeking rebates on daily spend and who don't mind shopping with specific merchants.
  • Stand-Out: Promotional rebates of up to 15% in key spend categories
  • Current Petrol Discount: 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
People who want to earn easy rebates on their daily spend may want to consider POSB Everyday Card. Cardholders earn high promotional rates across a variety of spend categories, like on food (online delivery, groceries & dining), transport (including petrol and parking), personal care and even recurring bills. In fact, while they frequently change, rebates are often as high as 15% in select categories. While some categories are merchant restricted, those selected tend to be quite popular (such as Sheng Siong and Gojek). And, as only some categories have earnings caps, cardholders technically have the opportunity to earn limitless cashback. Overall, POSB Everyday Card is a great match for people seeking rebates on daily spend and who don't mind shopping with specific merchants.

DBS Live Fresh: Online & Contactless Cashback

  • Up to 5% rebates on online & contactless spend
  • Current Discount: Up to 15% 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$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo functionality
Modern spenders who feel comfortable using digital wallets can quickly maximise earnings with DBS Live Fresh Card. Cardholders earn 5% cashback on online & contactless spend via Visa payWave (using Apple Pay, Google Pay, Samsung Pay & more) after reaching a relatively accessible S$600 minimum spend requirement. Given that most merchants in Singapore now accept contactless payments, it's fairly easy to max out the S$60 earnings cap with just S$1,200 monthly spend. As a result, people with a budget of this approximate size can easily earn up to S$720/year with DBS Live Fresh Card.
  • Stand-Out: Up to 5% rebates on online & contactless spend
  • Current Petrol Discount: Up to 15% 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$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with SimplyGo
Modern spenders who feel comfortable using digital wallets can quickly maximise earnings with DBS Live Fresh Card. Cardholders earn 5% cashback on online & contactless spend via Visa payWave (using Apple Pay, Google Pay, Samsung Pay & more) after reaching a relatively accessible S$600 minimum spend requirement. Given that most merchants in Singapore now accept contactless payments, it's fairly easy to max out the S$60 earnings cap with just S$1,200 monthly spend. As a result, people with a budget of this approximate size can easily earn up to S$720/year with DBS Live Fresh Card.

Best High Income Cards with SPC Petrol Discounts

Affluent individuals can enjoy uncapped rewards & luxury perks with these credit cards.

American Express True Cashback Card: Unltd. Rebates + Sign-on Boost

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Current Discount: Up to 21% 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
High spenders who typically feel limited by capped rebate cards can reach their full rewards potential with American Express True Cashback Card. Cardholders earn an unlimited 1.5% rebate on all spend, boosted to 3% for the 1st 6 months (up to S$150) with just S$5,000 minimum spend. Few other unlimited cards offer such a lucrative sign-on bonus. In addition, the S$171.2 annual fee is lower than the S$192.6 charged by many competitors. With Amex True Cashback Card, affluent individuals can not only maximise rewards without worrying about rewards caps but also enjoy accelerated rates after sign-up.
  • Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Current Petrol Discount: Up to 21% 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
High spenders who typically feel limited by capped rebate cards can reach their full rewards potential with American Express True Cashback Card. Cardholders earn an unlimited 1.5% rebate on all spend, boosted to 3% for the 1st 6 months (up to S$150) with just S$5,000 minimum spend. Few other unlimited cards offer such a lucrative sign-on bonus. In addition, the S$171.2 annual fee is lower than the S$192.6 charged by many competitors. With Amex True Cashback Card, affluent individuals can not only maximise rewards without worrying about rewards caps but also enjoy accelerated rates after sign-up.

American Express Singapore Airlines Krisflyer Ascend Card: Luxury Perks for SIA Loyalists

  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Current Discount: Up to 21% fuel savings at SPC
  • Promotions: Spend S$10k w/in 1st 3mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
Wealthy travellers who prefer flying with Singapore Airlines but also want luxury perks should consider American Express Singapore Airlines KrisFlyer Ascend Card. Cardholders earn 1.2 miles per S$1 general spend, up to 2 miles overseas (June & December only) and on SIA brands, and 3.2 miles on Grab transactions (spend with SPC does not earn miles, but consumers can still enjoy corresponding fuel discounts). Cardholders also enjoy a myriad of welcome bonuses, which can add up to over 21,000 bonus miles within 3 months.


While similar in many ways to Amex SIA KF Card, Amex SIA KF Ascend Card offers a broader variety of luxury perks. Cardholders enjoy up to 4 free lounge visits and 1 free hotel night annually, complimentary travel insurance, and potential membership upgrades to KrisFlyer Elite Gold and Hilton Honors Silver. These rates are quite competitive and measure up to some of the most expensive travel cards in Singapore–and yet, the annual fee is a comparatively moderate S$337.05. Overall, frequent SIA flyers who want to enjoy exclusive perks at a slightly discounted price may want to consider Amex SIA KF Ascend Card.

  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Current Petrol Discount: Up to 21% fuel savings at SPC
  • Promotions: Spend S$10k w/in 1st 3mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
Wealthy travellers who prefer flying with Singapore Airlines but also want luxury perks should consider American Express Singapore Airlines KrisFlyer Ascend Card. Cardholders earn 1.2 miles per S$1 general spend, up to 2 miles overseas (June & December only) and on SIA brands, and 3.2 miles on Grab transactions (spend with SPC does not earn miles, but consumers can still enjoy corresponding fuel discounts). Cardholders also enjoy a myriad of welcome bonuses, which can add up to over 21,000 bonus miles within 3 months.


While similar in many ways to Amex SIA KF Card, Amex SIA KF Ascend Card offers a broader variety of luxury perks. Cardholders enjoy up to 4 free lounge visits and 1 free hotel night annually, complimentary travel insurance, and potential membership upgrades to KrisFlyer Elite Gold and Hilton Honors Silver. These rates are quite competitive and measure up to some of the most expensive travel cards in Singapore–and yet, the annual fee is a comparatively moderate S$337.05. Overall, frequent SIA flyers who want to enjoy exclusive perks at a slightly discounted price may want to consider Amex SIA KF Ascend Card.

UOB PRVI Miles American Express Card: Rapid, No-Fee Miles Accrual

  • Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Current Discount: Up to 15% fuel savings at SPC
  • Promotions: Receive S$100 cash credit w/ 5 transactions in 1st mo (via our partnership w/ SGSaver)
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
UOB PRVI Miles American Express Card is perhaps the best travel card for above average spenders seeking to rapidly accrue no-fee miles. Cardholders earn impressive rates of 1.4 miles per S$1 local spend, 2.4 miles overseas and 6 miles with major hotels and airlines–which align with rates offered by some of the priciest travel cards. And yet, UOB PRVI Miles Amex charges a much lower-than-average fee amongst luxury cards, at just S$256.8. Even better, those who spend S$50k annually (about S$4,167/month) are exempt from the fee altogether–and also receive 20,000 bonus miles (worth S$200). While there aren't many luxury travel perks, UOB PRVI Miles Amex Card is the absolute best card available for above average spenders who want to rapidly accrue miles.
  • Stand-Out: Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Current Petrol Discount: Up to 15% fuel savings at SPC
  • Promotions: Receive S$100 cash credit w/ 5 transactions in 1st mo (via our partnership w/ SGSaver)
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • Read Our Full Review
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
UOB PRVI Miles American Express Card is perhaps the best travel card for above average spenders seeking to rapidly accrue no-fee miles. Cardholders earn impressive rates of 1.4 miles per S$1 local spend, 2.4 miles overseas and 6 miles with major hotels and airlines–which align with rates offered by some of the priciest travel cards. And yet, UOB PRVI Miles Amex charges a much lower-than-average fee amongst luxury cards, at just S$256.8. Even better, those who spend S$50k annually (about S$4,167/month) are exempt from the fee altogether–and also receive 20,000 bonus miles (worth S$200). While there aren't many luxury travel perks, UOB PRVI Miles Amex Card is the absolute best card available for above average spenders who want to rapidly accrue miles.

Best Online & Shopping Card with SPC Petrol Discounts

If you frequently shop online and want to earn on your purchases, consider this credit card.

DBS Woman's World: 0% Interest Instal Plan

  • Up to 4 miles/S$1 spend on online shopping
  • Current Discount: Up to 15% 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, 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 who tend to make big purchases and pay for them over time can benefit from DBS Woman’s World Card. Cardholders earn 4 miles per S$1 spend on online shopping, plus 0.4 miles on local general transactions and 1.2 miles overseas. Miles are capped at 8,000/month (worth about S$80), which is double that offered by competitor cards. DBS Woman's World also stands out by offering a 0% interest instalment plan which allows cardholders to break up large transactions into smaller payments over time. Unlike with other card plans, there's no processing fee, so consumers won't need to worry about extra costs just for accessing this benefit.


Finally, DBS Woman's World's S$192.6 fee is waived 1 year, and then subsequently with S$25,000 annual spend (about S$2,083/month). This is a great fit for big shoppers who do tend to make large purchases, as they may be able to earn the fee waiver as well.

  • Stand-Out: Up to 4 miles/S$1 spend on online shopping
  • Current Petrol Discount: Up to 15% 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, 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 who tend to make big purchases and pay for them over time can benefit from DBS Woman’s World Card. Cardholders earn 4 miles per S$1 spend on online shopping, plus 0.4 miles on local general transactions and 1.2 miles overseas. Miles are capped at 8,000/month (worth about S$80), which is double that offered by competitor cards. DBS Woman's World also stands out by offering a 0% interest instalment plan which allows cardholders to break up large transactions into smaller payments over time. Unlike with other card plans, there's no processing fee, so consumers won't need to worry about extra costs just for accessing this benefit.


Finally, DBS Woman's World's S$192.6 fee is waived 1 year, and then subsequently with S$25,000 annual spend (about S$2,083/month). This is a great fit for big shoppers who do tend to make large purchases, as they may be able to earn the fee waiver as well.

Best Card for Young Adults with SPC Petrol Discounts

Even young drivers can access great petrol savings with this top-notch credit card.

UOB YOLO Card: Cashback for Weekend Social Spend

  • Top weekend rebates of up to 8% for social spenders
  • Current Discount: Up to 20% fuel savings at SPC
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
If you're a young adult seeking rewards on weekend and social spend, consider UOB YOLO Card. Cardholders earn up to 8% cashback on weekend dining, entertainment, Grab & UOB Travel transactions (3% on weekdays) plus 3% on online fashion & travel bookings. These rates are unlocked with S$600 minimum spend, which is lower than the market standard, and rewards are capped at S$60/month, allowing cardholders to earn up to S$720/year. Finally, the S$192.6 fee is waived the first year, allowing young adults to focus instead on earning from their weekend and social spending.
  • Stand-Out: Top weekend rebates of up to 8% for social spenders
  • Current Petrol Discount: Up to 20% fuel savings at SPC
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
If you're a young adult seeking rewards on weekend and social spend, consider UOB YOLO Card. Cardholders earn up to 8% cashback on weekend dining, entertainment, Grab & UOB Travel transactions (3% on weekdays) plus 3% on online fashion & travel bookings. These rates are unlocked with S$600 minimum spend, which is lower than the market standard, and rewards are capped at S$60/month, allowing cardholders to earn up to S$720/year. Finally, the S$192.6 fee is waived the first year, allowing young adults to focus instead on earning from their weekend and social spending.

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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