Best Cards for Petrol (2026 Edition)

For the average Singaporean driver, “filling up” has transitioned from a routine chore into a significant financial burden. As we navigate 2026, the global energy landscape remains fractured; with persistent supply chain disruptions and instability, petrol prices have climbed to unprecedented heights—now frequently exceeding S$3.30 per litre.

In this guide, we take a serious look at the credit card landscape. We aren’t just looking for “rewards”, we are identifying the specific tools that offer the highest “stackable” protection against the rise of fuel prices. By aligning the right card with the right station, you can still shave nearly a quarter off the posted board price, providing a necessary buffer in situations that we have today.

Petrol Apps with Credit Card Discounts

Here are the Best Cards for Petrol:

For ALL Petrol Stations

Miles Cards

Card	Earn Rate	Minimum Spend / Cap	Notes
UOB Lady	4 miles per dollar	No minimum spend; capped at S$1,000/calendar month	Must select Transport category; 14% discount via CaltexGo app
UOB Visa Signature	4 miles per dollar	S$1,000; capped S$1,200 per statement month	only for petrol and contactless spends; will not earn at SPC
UOB Preferred Platinum Visa	4 miles per dollar	No minimum spend; spending capped at S$600	only for mobile contactless payment; will not earn at SPC

UOB Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories

UOB Visa Signature Card

Earn 4 miles per dollar on Overseas, Petrol, and Contactless Transactions (including SimplyGo)

UOB Preferred Platinum Visa Card

Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment

Cashback Cards

Card	Earn Rate	Minimum Spend / Cap	Sweet Spot Spend	Notes
Maybank Family & Friends	6% / 8% cashback	S$800 / S$1,600; capped at S$20 / S$30 per calendar month	S$333.33 / S$375	Automotive category
Citi Cashback	8% cashback	S$800; capped at S$80/month	S$1,000	Great for higher spend
OCBC 365	6% cashback	S$800 / S$1,600; capped S$80 / S$160	S$1,333 / S$2,667	–

Maybank Family & Friends Card

Earn 6% or 8% cashback for five of your chosen categories.

Citi Cashback Card

Earn 8% cashback on petrol & ride-hailing services and 6% cashback on groceries & dining

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities

FOR ESSO

Esso Smiles Card

The Esso Smiles Card users get 10% discount and additional 4% on Citi, DBS, and OCBC cards

Card
Earn Rate
Minimum Spend / Cap
Sweet Spot Spend
Notes
DBS Esso
5% cashback
S$160 nett fuel spend/month; capped S$10
S$200
Up to 26.2% fuel savings
Citi Cashback
8% cashback
S$800; capped at S$80/month
S$1,000
Up to 20.88% savings
OCBC 365
6% cashback
S$800 / S$1,600; capped S$80 / S$160
S$1,333 / S$2,667
Up to 29.5% fuel savings
UOB Visa Signature
4 miles per dollar
S$1,000; capped S$1,200 per statement month
–
Includes contactless spend
DBS Woman’s World Card
4 miles per dollar
No minimum spend; spending capped at S$1,000
–
only via Kris+

Citi Cashback Card

Earn 8% cashback on petrol & ride-hailing services and 6% cashback on groceries & dining

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities

UOB Visa Signature Card

Earn 4 miles per dollar on Overseas, Petrol, and Contactless Transactions (including SimplyGo)

DBS Woman's World Card

Earn 4 miles per dollar on online spend

FOR SHELL

Shell Go+ App

The Shell Go+ app allows users to pay for fuel directly at the pump via online payment, offering a standard 10% discount when using the app. Transactions made through the app are processed as online payments. Additional 4% discount is added to Citi, HSBC, and UOB cards

Card	Earn Rate	Minimum Spend / Cap	Sweet Spot Spend	Notes
UOB One	5% cashback (3.33% base + 1.67% Shell)	S$2,000; base capped S$200/qtr; extra 1.67% capped S$120 per statement month	–	Up to 22.66% fuel savings; 5% only on Tier 3
Citi Cashback	8% cashback	S$800; capped at S$80/month	S$1,000	Up to 20.88% savings
HSBC Live+	5% cashback	S$600; capped S$250/qtr	S$3,125/qtr	Shared across categories
UOB PRVI Miles Card	1.4 miles per dollar	No min spend; no cap	–	14% discount via Shell App
Citi PremierMiles	1.2 miles per dollar	No min spend; no cap	–	14% discount via Shell App

UOB One Card

Earn at least up to 10% cashback on most local spend

Citi Cashback Card

Earn 8% cashback on petrol & ride-hailing services and 6% cashback on groceries & dining

HSBC Live+ Card

Earn up to 5% cashback on dining, entertainment and shopping

UOB PRVI Card

Earn 1.4 miles per dollar on local spend and up to 3 miles per dollar on foreign currency spend

4 Priority Pass visits per calendar year

Citi PremierMiles Card

Earn 1.2 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per calendar year

FOR SPC

SPC&U Card

SPC&U cardholders receives a 10% discount. Additional 5% for DBS and UOB cardholders.

Card	Earn Rate	Minimum Spend / Cap	Sweet Spot Spend	Notes
UOB One	3.33% cashback	S$600 / S$1,000 / S$2,000; capped S$60 / S$100 / S$200	S$1.8K/S$3K/S$6K	Up to 22.66% fuel savings
POSB Everyday	6% cashback	No min; no cap	–	20.1% fuel savings
UOB PRVI MIles	1.4 miles per dollar	No min; no cap	–	15% discount
DBS Vantage	1.5 miles per dollar	No min; no cap	–	15% discount
DBS Altitude	1.3 miles per dollar	No min; no cap	–	15% discount

UOB One Card

Earn at least up to 10% cashback on most local spend

POSB Everyday Card

Earn up to 10% cash rebates on selected categories on local spend

UOB PRVI Card

Earn 1.4 miles per dollar on local spend and up to 3 miles per dollar on foreign currency spend

4 Priority Pass visits per calendar year

DBS Vantage Card

Earn 1.5 miles per dollar (or 1.5% cashback) on local spend, 2.2 miles per dollar (or 2.2% cashback) on foreign currency spend

10 Priority Pass visits per membership year

DBS Altitude Card

Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per membership year (Visa version only)

FOR CALTEX

CaltexGo App

The CaltexGo app (available on Android and iOS) enables users to pay for fuel directly at the pump, offering a default 14% discount when using any Visa or Mastercard credit or debit card. When paying via the app, your transaction is considered as an online transaction. Additional 3% discount is added to Citi cardholders, 2% for HSBC, 2% for Standard Chartered, and 4% to OCBC cards.

Card
Earn Rate
Minimum Spend / Cap
Sweet Spot Spend
Notes
Citi Cashback
8% cashback
S$800; capped S$80
S$1,000
–
HSBC Live+
5% cashback
S$600; capped S$250/qtr
S$3,125/qtr
Shared across categories
OCBC 365
6% cashback
S$800 / S$1,600; capped S$80 / S$160
S$1,333 / S$2,667
Up to 29.5% fuel savings
Citi Rewards
4 miles per dollar
No min; capped S$1,000
–
17% instant fuel discount via CaltexGo app
OCBC 90N
1.3 miles per dollar
No min spend and no cap
–
18% instant fuel discount via CaltexGo app
Standard Chartered Journey
1.2 miles per dollar
No min spend; capped at S$1,000 per statement month.
–
16% instant fuel discount via CaltexGo app

Citi Cashback Card

Earn 8% cashback on petrol & ride-hailing services and 6% cashback on groceries & dining

HSBC Live+ Card

Earn up to 5% cashback on dining, entertainment and shopping

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities

Citi Rewards Card

Earn 4 miles per dollar on online spend and selected retail

OCBC 90N Card

Earn 1.3 miles per dollar on local spend and 2.1 miles per dollar on foreign currency spend

Standard Chartered Journey Card

Earn 1.2 miles per dollar on local spend, 2 miles per dollar on foreign currency spend, 3 miles per dollar on selected bonus categories

2 Priority Pass visits per membership year

FOR SINOPEC

Card	Earn Rate	Minimum Spend / Cap	Sweet Spot Spend	Notes
OCBC 365	6% cashback	S$800 / S$1,600; capped S$80 / S$160	S$1,333 / S$2,667	Up to 29.5% fuel savings
UOB Visa Signature	4 miles per dollar	S$1,000; capped S$1,200 per statement month	–	only for petrol and contactless spends

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities

UOB Visa Signature Card

Earn 4 miles per dollar on Overseas, Petrol, and Contactless Transactions (including SimplyGo)

Conclusion:

Rising fuel prices in 2026 have made filling up a major expense for Singaporean drivers, but the right credit card strategy can provide real relief. By carefully matching cards to your preferred petrol stations, you can stack cashback, miles, and discounts to cut costs by up to a quarter.

From all-purpose cashback and miles cards to station-specific options for Esso, Shell, SPC, Caltex, and Sinopec, smart card selection transforms fuel spending from a financial burden into a manageable, even rewarding, routine. Planning your spend around these ensures you get the maximum benefit every month, helping you stay ahead in an unpredictable energy landscape.

💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

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lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

APPLY NOW

Citi PremierMiles

Get 25,000 HeyMax Miles or Dyson Airstrait™ straightener or Galaxy Buds 4 Pro + S$150 eCapitaVoucher or S$380 Cash via PayNow or S$430 Grab Voucher when you spend S$500 within 30 days of card approval

Valid till: March 31, 2026

APPLY NOW

HSBC Live+

Get Apple Watch SE Gen 3 40mm (GPS+ Cell) or Dyson Airstrait™ straightener or 25k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: March 31, 2026

APPLY NOW - VISA

APPLY NOW - AMEX

DBS YUU

Get S$340 eCapitaVoucher or 21k HeyMax miles or Apple Airpods 3 or Samsonite STRAREN SPINNER 67/24 or S$300 Cash via PayNow when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: March 31, 2026

APPLY NOW

OCBC 365

Get Dyson Airstrait or 25k Heymax Miles or AirPods Pro 3 + S$40 eCapitaVoucher Bundle or S$370 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: March 31, 2026

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

Citi Rewards

Valid till: March 31, 2026

APPLY NOW

OCBC Infinity

Get Dyson Airstrait or 25k Heymax Miles or AirPods Pro 3 + S$40 eCapitaVoucher Bundle or S$370 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: March 31, 2026

APPLY NOW

HSBC Revolution

Valid till: March 31, 2026

APPLY NOW

Citi Cashback

Valid till: March 31, 2026

APPLY NOW

UOB Lady’s Card

Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
Remaining applicants will get S$70 Cash via PayNow
Valid for New-to-Bank Cardholders
Valid from 02 – 31 March 2026
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

UOB Lady’s Card

Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
No minimum monthly spending required
Spending Cap:

- Classic Card: S$1,000
- Solitaire & Above Card: S$1,500 — spending cap of S$750 per category

Depending on what your planned usage is, you can change the categories every quarter.

Annual Fee

S$196.20 (incl. GST), waived for first year

Income Requirement

S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

They expire 2 years after the final day of each periodic quarter in which they were earned

Know what this cards is best for

Terms and Conditions

Read Full Review

UOB Visa Signature

Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
Remaining applicants will get S$70 Cash via PayNow
Valid for New-to-Bank Cardholders
Valid from 02 – 31 March 2026
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

UOB Visa Signature

Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
Spending Cap:
- Until 1 August 2025 Statement:
  - Combined cap of S$2,000 per statement month
- From 1 September 2025 Statement – Split into 2 categories:
  - Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month
  - Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month
    
    Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

Annual Fee

S$218 first year waived

Income Requirement

S$50,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Terms and Conditions

Read Full Review

UOB Preferred Platinum Visa

NIL

UOB Preferred Platinum Visa Card

Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,200 per calendar month
- Spend caps will be divided into 2 categories:
  - 1st category – Mobile Contactless Payment (S$600 spend cap)
  - 2nd Category – Selected Online Transactions (S$600 spend cap)
Earn 0.4 miles per dollar on other spending
Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
- Apple Pay
- Google Pay
- Samsung Pay (excluding MST)

Annual Fee

S$196.20, first year waived

Income Requirement

S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

Know what this card is best for:

Best Cards for Kris+ – Dining & Shopping Spends

Terms and Conditions

Read Full Review

Maybank Family & Friends Card

Receive Samsonite Interlace Spinner 67/24 as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
Fill up this google form after signing up to qualify for rewards
Read Terms and Conditions here

Maybank Family & Friends Card

Earn 6% or 8% cashback for five (5) of your chosen spend categories across ten (10) options.
- Each category has a cashback cap of S$120 or S$180 (which would max out at S$333.33 or S$375 of spending per category)
Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
Minimum spend of S$800 (Effective 01 January 2026, these changes will take effect):

Tier	Minimum Spend	Cap per Category
Tier 1 – 6% cashback	S$800 per calendar month	S$20 (max S$333.33 spend)
Tier 2 – 8% cashback	S$1,600 per calendar month	S$30 (max S$375 spend)
Base cashback will also drop from 0.3% to 0.22% for all other spend.	✔ Free Tablet Plus Membership	Base cashback will also drop from 0.3% to 0.22% for all other spend.

Earn unlimited 0.22% cash rebates on all spends below S$800

Annual Fee

S$180 (First 3 years free)

Income Requirement

S$30,000 (locals/PRs); S$60,000 (foreigners)

How to choose my Categories

To choose your desired Categories, the Cardmember needs to download the Maybank TREATS SG mobile app, then select and confirm the categories on the Benefit Selection page. This choice will apply to the first Lock-In Period (3 months), and no changes can be made once confirmed; You can change the categories quarterly and you may choose depending on your spending needs. The categories will take effect the following month.

Know what this card is best for

Best Cards for Kris+ – must choose dining and/or online shopping category
Best Cards for EV Charging – must choose transport category
Best Cards for Bus/MRT
Best Cards for Ride Hailing
Best Cards for Telco
Best Cards to pair with Amaze
Best Cards for Petrol
Best Cards for Food Delivery
Best Cards for Public Transport
Best Cards for Grocery
Best Cards for Restaurant

Terms and Conditions

Read Full Review

Citi Cashback Card

Option 1: Direct Bank Promotion

Receive S$300 cashback Welcome Offer when you spend S$800 in the first 2 months upon card approval
Valid til 4 May 2026
Read Terms and Conditions here

Option 2: Singsaver Promotion

FLASH DEAL: Reward Upgrade!

Get your reward upgraded to Apple Airpods Max 2 (worth S$749) if you are among the first 3 eligible applicants at 3PM and 9PM daily
Remaining applicants will get to choose among the usual rewards
Valid from 25 – 31 March 2026

USUAL REWARDS:

Get 25,000 HeyMax Miles (worth S$600) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$430 Grab Voucher or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval

Stackable with Usual Rewards:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

Valid until 31 March 2026
Promotion is valid for new to bank credit card holders
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

Citi Cashback Card

Earn 8% cashback on Petrol and local private hire/taxi, 6% cashback on Dining at restaurants and cafes daily, worldwide, 6% cashback on groceries at supermarkets and grocery stores daily, worldwide.
Up to 20.88% fuel savings at Esso and Shell & 23.64% savings at Caltex
There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
Get 0.2% base cashback for other spends

Tip: You don’t have to meet the minimum monthly spend requirement every month. If you can’t hit S$800 for the month, you can buy supermarket vouchers in store (and get 6% cashback) to use in the next few months.

Annual Fee

S$196.20 (incl. 9% GST), first year waived

Income Requirement

S$30,000 (locals/PRs); S$42,000 (foreigners)

When is Cashback Credited

Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.

Know what this card is best for:

Terms and Conditions

Read Full Review

OCBC 365 Card

FLASH DEAL:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

Get Dyson Airstrait (worth S$799) or 25,000 HeyMax Miles (worth $600) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth S$389) or S$370 Cash via PayNow when you S$400 within 30 days from card approval
Valid until 31 March 2026

Valid for New-to-Bank Cardholders
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

OCBC 365 Card

Earn 6% cashback on Petrol, 5% cashback on Dining, and 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities.
This has 2 tiers of spend requirement and cap respectively:
- Tier 1: S$800;S$80
- Tier 2: S$1,600; S$160
Best paired with OCBC 360 Savings Account as it offers the highest ROI with a minimum spend of S$800 on your first S$100,000 when you credit your salary, make purchases with an eligible OCBC credit card, and save regularly.

Annual Fee

S$196.20 (including GST), waived for the first 2 years.

Income Requirement

S$30,000 (locals/PRs); S$45,000 (foreigners

How is Cashback Credited

Cashback will be automatically offset against the month’s billed amount

Know what this card is best for

Terms and Conditions

Read Full Review

DBS Woman’s World Card

This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.

DBS Woman’s World Card

Earn 4 miles per dollar (10X DBS points per S$5) spent online, regardless of local or foreign currency. Capped at S$1,000 spending per calendar month
Earn 1.2 miles per dollar (3X DBS Points per S$5) spent abroad in-store
No minimum monthly spending required
Best used for online or in-app spend (e.g Kris+) locally

Annual Fee

S$196.20, (First year waived)

Income Requirement

S$80,000/year (The income requirement is arbitrary – I was approved for the card even though I didn’t meet that income threshold.)

Points Expiry

1 year from transaction (therefore you need to be able to earn miles fast or have multiple DBS points earning credit cards). Minimum redemption is 5,000 points (10,000 miles), leaving smaller amounts unusable (you can redeem mall vouchers, if you really need to.)

Transfer Partners

KrisFlyer, Asia Miles, Qantas Frequent Flyer

Know what this card is best for:

Terms and Conditions

Read Full Review

UOB One Card

Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
Remaining applicants will get S$70 Cash via PayNow
Valid for New-to-Bank Cardholders
Valid from 02 – 31 March 2026
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

UOB One Card

Tier 1 & 2: Spend either S$600 or S$1,000/month for 3 consecutive months, with at least 10 eligible transactions each month:
- Base cashback:
  - S$600/S$1,000: 3.33% cashback (capped at S$60/100 per quarter)
- Additional cashback (capped at S$120 per statement month):
  - Selected Partners: 5%
  - Grocery (MCC 5411): 2.67% – only for Tier 2
Tier 3: Earn up to 10% Total Cashback: Spend S$2,000/month for 3 consecutive months, with at least 10 eligible transactions each month:
- Base cashback: 3.33% cashback (capped at S$200 per quarter)
- Additional cashback (capped at S$120 per statement month):
  - Selected Partners: 6.67%
  - Grocery (MCC 5411): 4.67%

	Tier 1	Tier 2	Tier 3
Minimum Spend	S$600	S$1,000	S$2,000
Minimum Transaction Count	10	10	10
Base Cashback per quarter	3.33% (S$60 cashback)	3.33% (S$100 cashback)	3.33% (S$200 cashback)
Additional Cashback on Selected Spends	5%	5%	6.67%
Additional Cashback on Grocery Spend New	–	2.67%	4.67%
Total	up to 8.33%	up to 8.33%	up to 10%
These changes will be effective from your next qualifying quarter (as of writing – 1 July 2025)

Earn up to 22.66% fuel savings at Shell and SPC
Earn 4.33% cashback on Singapore Power utilities bills

Annual Fee

S$196.20, waived for the first year

Income Requirement

S$30,000 (locals/PRs); S$40,000 (foreigners)

When Cashback is Credited

The Quarterly Cashback for a given a quarter will be credited to the card account in the next statement month following the end of that quarter.

Know what this card is best for:

Terms and Conditions

Read Full Review

HSBC Live+ Card

FLASH DEAL:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

Get Apple Watch SE Gen 3 40mm (GPS+Cell) (worth S$419) or Dyson Airstrait™ straightener (worth S$799) or 25,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
Valid until 31 March 2026
Available for New HSBC Cardholders
- New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email to secure your rewards after you have applied!

For Existing HSBC Cardholders:

Get S$50 cashback when you spend S$500 by the end of the following month
Valid until 05 March 2026
Available for Existing HSBC Cardholders
- Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
- Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
Read Terms and Conditions here
Must provide marketing consent to HSBC
This gift will be fulfilled directly by HSBC

HSBC Live+ Card

Earn 5% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories.
There is a minimum spend required monthly of S$600 in each quarter, per calendar month but it is easy to hit the amount of spending with just one category. This means that you could spend S$600 on dining category in Jul, S$600 in shopping category in Aug, S$600 in entertainment category in Sept and receive your full 5% cashback.

Pro-tip: You can buy vouchers via heymax to clock the minimum spending or for large electronic purchases at Courts, Best Denki or furniture purchases at IKEA.

Annual Fee

S$196.20 (first year waived) (For subsequent years, you can request for a waiver)

Income Requirement

The amount of Total Relationship Balance—combined value of your deposits, investments, and insurance with HSBC, based on average monthly balance over the last 3 months— will determine the income requirement
- Less than S$50,000 TRB
  - Salaried (locals/PRs): S$65,000
  - Self-Employed/Commission-based (locals/PRs): S$65,000
  - Foreigners: S$65,000
- S$50,000 and above TRB
  - Salaried (locals/PRs): S$30,000
  - Self-Employed/Commission-based (locals/PRs): S$40,000
  - Foreigners: S$65,000

When is Cashback Credited

It will be credited within 2 months, after the end of each calendar quarter.

Know what this card is best for:

Terms and Conditions

Read Full Review

UOB PRVI Card

Get S$250 Cash via PayNow or 20k MaxMiles by HeyMax (worth S$360 – equivalent to a round trip to Shanghai when you successfully apply, and is among the first 80 eligible applicants and when you spend S$500 within the first 30 days from card approval
Remaining applicants will get S$70 Cash via PayNow
Valid for New-to-Bank Cardholders
Valid from 02 – 31 March 2026
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

UOB PRVI Card

Earn 1.4 miles per dollar for local spending
Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
- 3 miles per dollar on selected currencies:
  - Malaysian Ringgit
  - Indonesian Rupiah
  - Thai Baht
  - Vietnamese Dong
- 2.4 miles per dollar on other currencies
Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
One-way Airport Transfer Service for AMEX Version only
S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

Annual Fee

S$261.60, first year waived

Income Requirement

S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

UNI$ expire two (2) years after the last day of the quarter in which they were earned.

Know what this card is best for

Best Cards for Airport Lounge
Best Cards for Flights
Best Cards for Hotel
Must be paired with CardUp/iPayMy
- Best Cards for Insurance
- Best Cards for Renovations, MCST, donations, Tax, Rent

Terms and Conditions

Read Full Review

Citi PremierMiles Card

Option 1: Direct Bank Promotion

Receive 8,000 bonus Citi Miles (with no annual fee paid) or 30,000 bonus Citi Miles (with annual fee paid) when you spend S$800 in the first 2 months of card approval.
Valid til 4 May 2026
Read Terms and Conditions here

Option 2: Singsaver Promotion

FLASH DEAL: Reward Upgrade!

Get your reward upgraded to Apple Airpods Max 2 (worth S$749) if you are among the first 3 eligible applicants at 3PM and 9PM daily
Remaining applicants will get to choose among the usual rewards
Valid from 25 – 31 March 2026

USUAL REWARDS:

Get 25,000 HeyMax Miles (worth S$600) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$430 Grab Voucher or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval

Stackable with Usual Rewards:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

Valid until 31 March 2026
Promotion is valid for new to bank credit card holders
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

Citi PremierMiles Card

Earn uncapped 1.2 miles for every dollar spent in Singapore dollars and 2 miles for every dollar spent overseas. Even though the earn rate is quite low, the miles never expire. This may be useful for those starting out on their miles accumulation journey with low spending.

Citibank credit cards have one of the widest variety of transfer partners, which makes the miles very flexible for miles redemption.

The principal card entitles you to 2 free Priority Pass airport lounge visits per calendar year!

Annual Fee

S$196.20, waived for the first year

Income Requirement

S$30,000 (locals/PRs); S$42,000 (foreigners)

Points Expiry

The Citi Miles never expire

Transfer Partners

Singapore Airlines, Flying Blue, British Airways, Thair Airways, Etihad, Asia Miles, EVA Air, Qantas, Qatar Airways, Turkish Airlines, IHG

Know what this card is best for:

Best Cards for Airport Lounge
Must pair with CardUp/iPayMy or Citi PayAll:

Terms and Conditions

Read Full Review

POSB Everyday Card

FLASH DEAL:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 31 March 2026
Read Terms and Conditions here

POSB Everyday Card

S$800 Minimum Spend:

10% cash rebates on online food delivery from foodpanda and Deliveroo
3% cash rebates on other dining spends
5% cash rebates on Malaysia Ringgit spend every Saturday and Sunday
5% cash rebates on Online Shopping at selected merchants
up to 3% cash rebates on Telco Bills
8% cash rebates at Popular Bookstores

No Minimum Spend:

3% cash rebates on Pet Lovers Centre (Min. S$15 Spend on regular-priced items)
5% cash rebates on Sheng Siong
up to 22.93% on fuel savings when you use it on SPC petrol stations islandwide.
up to 3% cash rebates on utility bills with selected electricity retailers

Annual Fee

S$196.20 (incl. of GST), waived for the first year.

Income Requirement

S$30,000 and above per annum (locals & PRs); S$45,000 and above per annum (Foreigner)

Where do I redeem my Daily$

You can redeem you Daily$ using various options:

- Instants Daily$ redemption:
  - Use your Daily$ to offset your purchase instantly in-stores at participating merchants: Sheng Siong, SPC, Watsons, Pet Lovers Centre
- DBS PayLah!
  - Offset any of your purchases with Daily$ anytime, anywhere. Find out more here
- Digibank Online
  - Offset your credit card bills or redeem Krisflyer miles. Find out more here
- Participating Merchants’ Website or Mobile App
  - Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
    - DBS Apple Rewards Store
    - Shopee
    - Zalora
    - AXS

Know what this card is best for

Terms and Condition

Full Review

DBS Vantage

NIL

DBS Vantage Card

Earn 1.5 miles or 1.5% cashback per dollar; 3.75 DBS Points for every S$5 spent locally, such as groceries, shopping and more and 2.2 miles or 2.2% cashback per dollar; 5.5 DBS Points for every S$5 spent on overseas purchases in foreign currency
This comes with ten (10) free airport lounge visits per membership year
This is also best used with CardUp to pay for expenses that typically don’t earn miles, you basically pay a service fee to charge those payments to your DBS Vantage card and accumulate rewards. This is similar to “buying” miles.

Annual Fee

S$599.50 (incl. of GST)

The first year’s fee is non-waivable. Subsequent years’ fees can be waived if cardholders spend at least S$60,000 per membership year.

Income Requirement

S$120,000 (locals/PRs & foreigners)

When is Points Credited

This usually credits when the transaction posted, usually takes 24 hrs or in some, it could take 2-3 days.

Transfer Partners

Krisflyer, Cathay Pacific Asia Miles, Qantas, Air Asia

Know what this card is best for:

Best Cards for Airport Lounge
Must be paired with CardUp/iPayMy
- Best Cards for Insurance
- Best Cards for Renovations, MCST, donations, Tax, Rent

Terms and Conditions

Read Full Review

DBS Altitude Card

FLASH DEAL:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

Get S$340 eCapitaVoucher or 21K HeyMax Miles (worth S$320) or Apple Airpods Pro 3 (worth S$349) or Samsonite STRAREN SPINNER 67/24 (worth S$600) S$300 Cash via PayNow when you apply with with the promo code: SINGSAVER, spend S$100 + have a valid DBS PayLah! account within 30 days from card approval
Valid for New to DBS/POSB Customers only
Valid until 31 March 2026
Read Terms and Conditions here

DBS Altitude Card

Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
This comes with two complimentary lounge passes per 12-month membership period

Annual Fee

S$196.20 (inclusive of GST), first year waived

Income Requirement

S$30,000 (locals/PRs); S$45,000 (foreigners)

Points Expiry

No expiry

Know what this card is best for:

Best Cards for Airport Lounge
Must be paired with CardUp/iPayMy
- Best Cards for Insurance
- Best Cards for Renovations, MCST, Donations, Tax, Rent

Terms and Conditions

Read Full Review

Citi Rewards Card

Option 1: Direct Bank Promotion

Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
Valid til 4 May 2026
Read Terms and Conditions here

Option 2: Singsaver Promotion

FLASH DEAL: Reward Upgrade!

Get your reward upgraded to Apple Airpods Max 2 (worth S$749) if you are among the first 3 eligible applicants at 3PM and 9PM daily
Remaining applicants will get to choose among the usual rewards
Valid from 25 – 31 March 2026

USUAL REWARDS:

Get 25,000 HeyMax Miles (worth S$600) or Dyson Airstrait™ straightener (worth S$799) or Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth $499) or S$430 Grab Voucher or S$380 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval

Stackable with Usual Rewards:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

Valid until 31 March 2026
Promotion is valid for new to bank credit card holders
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

Citi Rewards Card

Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
You can use this card for any online spending inclusive of ride-hailing apps or taxis.
Pro tip: Pair this card to Amaze for Overseas Offline Spending
Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
This is on top of 4 miles per dollar on Citi Rewards + Amaze.

Annual Fee

S$194.40 (First year waived)

Income Requirement

S$30,000 (locals/PRs); S$42,000 (foreigners)

Points Expiry

After 60 months (5 years) from the date the card is opened (i.e. not from the transaction date)., reward points will expire.

Transfer Partners

Krisflyer, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

Know what this card is best for:

Terms and Conditions

Read Full Review

OCBC 90N Card

FLASH DEAL:

Get a chance to open a blind box and get one of the rewards inside. This is on top of the usual rewards:
- Blind Box 1: Ultimate Tech Vault
- Blind Box 2: Home Luxe Edit
- Blind Box 3: Pro Gamer Arena

USUAL REWARDS:

Get Dyson Airstrait (worth S$799) or 25,000 HeyMax Miles (worth $600) or AirPods Pro 3 + S$40 eCapitaVoucher Bundle (worth S$389) or S$370 Cash via PayNow or 20,000 90°N Miles (worth a round trip to Bali) when you S$400 within 30 days from card approval
Valid until 31 March 2026

Valid for New-to-Bank Cardholders
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email and complete the registration to secure your reward!

OCBC 90N Card

Earn 1.3 miles per dollar on local spend (6.5 miles per S$5) and 2.1 miles per dollar on overseas spend (10.5 miles per S$5) with no minimum monthly spending required
Best used on Agoda bookings to earn 7 miles per dollar on this designated website www.agoda.com/90n
Utilize the complimentary 3x 1GB 5-Day global data roaming by Flexiroam per calendar year exclusively for the mastercard version + 15% discount on all subsequent Flexiroam data plans
Best used with Cardup to pay for insurance, mortgage, renovation, etc

Annual Fee

S$196.20 (including GST), waived for the first year

Income Requirement

S$30,000 (locals/PRs); S$45,000 (foreigners)

Points Expiry

No expiry

Transfer Partners

Krisflyer, Air France, British Airways, Cathay Pacific, United Mileage Plus; Accor Live Limitless, IHG One Rewards, Marriot Bonvoy, Etihad Guest

Know what this card is best for

Must be paired with CardUp/iPayMy
- Best Cards for Insurance
- Best Cards for Renovation, MCST, Donations, Tax, Rent

Terms and Conditions

Read Full Review

Standard Chartered Journey Card

Singsaver Reward:

Get 12,000 Max Miles by HeyMax (worth a roundtrip to Kuala Lumpur with a travel value of S$210+) or Samsonite Straren Spinner 67/24 (worth S$600) or Apple Airpods 4 (without Active Noise Cancellation) (worth S$199) or S$180 Cash via PayNow when you spend S$800 within 60 days of card approval and apply for one of the bonus products within 60 days of card approval (must apply visa Singsaver):
- EasyPay (can be applied directly (not via SingSaver) and will still be eligible if conditions are met)
  - Complete 3 retail credit card transactions of min. S$150 each (Min. tenure: 12 months
- Bonus$aver Account
  - Open account with min. S$3,000 deposit
- CashOne Personal Loan
  - Min. approved loan: S$1,000 (Min. tenure: 12 months)
- Credit Card Funds Transfer (CCFT)
  - Min. approved amount: S$1,000 (Min. tenure: 3 months)
Note: After card approval, Singsaver will email you the link where you can apply for a bonus product, you MUST apply through that link only to secure the reward. Applying on the direct bank website will not be valid.

Valid until 01 March 2026
Read Terms and Conditions here
Must fulfill spending requirement to receive gift confirmation
Remember to check for SingSaver email to secure your rewards after you have applied!

Stackable with Direct Bank Rewards:

Receive up to 30,000 miles
Receive 10,000 miles when you pay the annual fee under “Fee Paying” option
Receive 20,000 miles when you make a min. spend of S$800 within 60 days of card approval (This is available for both fee paying and fee waiver option)
Therefore, fee paying option earns 30K miles, fee waiver option earns 20K miles, if requirements are met
Promotion is valid until 31 March 2026
Read Terms and Conditions here

My thoughts: If you were going to apply for this card, you should choose the fee waiver option as the cost per mile is 196.20/10,000 miles = 1.96 cents per mile, which is quite expensive.

Standard Chartered Journey Card

Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
This comes with 2 complimentary airport lounge passes

Annual Fee

S$196.20 (incl. 9% GST), should be waivable

Income Requirement

S$30,000 (locals/PRs); S$40,000 (foreigners)

Points Expiry

The points never expire

Transfer Partners

Krisflyer & Cathay Pacific Asia Miles

Know what this card is best for:

Terms and Conditions

Full Review

Mari Credit Card

Get up to S$30 Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval + an exclusive S$50 Shopee Voucher Pack when you use on Instant Checkout on Shopee
Must be a new-to-bank customer
Valid until 31 December 2026
Read Terms and Conditions here

Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

Mari Credit Card

Earn 1.5% Unlimited Shopee Coins with Mari Credit Card Instant Checkout
Earn 1.5% Unlimited Cashback on eligible card spend
No minimum monthly spend requirement and no maximum cashback cap
No FX fees

Annual Fee

None

Income Requirement

S$30,000 (Singaporeans or PR)

When is Cashback Credited

It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

1.5% Cashback Terms and Conditions

1.5% Overseas Spend

1.5% Shopee Coins

Read Full Review

Best Cards for Petrol (2026 Edition)

Petrol Apps with Credit Card Discounts

Here are the Best Cards for Petrol:

For ALL Petrol Stations

Miles Cards

UOB Lady's Card

UOB Visa Signature Card

UOB Preferred Platinum Visa Card

Cashback Cards

Maybank Family & Friends Card

Citi Cashback Card

OCBC 365 Card

FOR ESSO

Esso Smiles Card

Citi Cashback Card

OCBC 365 Card

UOB Visa Signature Card

DBS Woman's World Card

FOR SHELL

Shell Go+ App

UOB One Card

Citi Cashback Card

HSBC Live+ Card

UOB PRVI Card

Citi PremierMiles Card

FOR SPC

SPC&U Card

UOB One Card

POSB Everyday Card

UOB PRVI Card

DBS Altitude Card

FOR CALTEX

CaltexGo App

Citi Cashback Card

HSBC Live+ Card

OCBC 365 Card

Citi Rewards Card

OCBC 90N Card

Standard Chartered Journey Card

FOR SINOPEC

OCBC 365 Card

UOB Visa Signature Card

Conclusion:

lobangsis

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Citi PremierMiles

Valid till: March 31, 2026

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Valid till: March 31, 2026

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Valid till: March 31, 2026

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Valid till: March 31, 2026

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Valid till: March 31, 2026

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Valid till: March 31, 2026

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Valid till: March 31, 2026

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Valid till: March 31, 2026

UOB Lady’s Card

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Maybank Family & Friends Card

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Citi Cashback Card