Best Cards for Petrol

Overview:

Given the continual rise in petrol prices, every driver seeks to optimize their savings at the pump. Find out about the credit cards made especially to reduce your fuel costs by gaining rewards of either miles or cashback. Choosing the “best” card needs thoughtful consideration of your entire personal finance strategy because there are so many options offered with different discounts rates with different cards for different petrol kiosk groups. So you should choose the card based on the petrol group that you would use most. Here’s the best cards for petrol:

Shell

UOB One card does seem to be the winner here with the highest amount of fuel savings plus you can pair the credit card spending with the UOB One account to supercharge your savings to maximise the interest earned on your savings account. You can refer to my post here if you are interested.

UOB One Card

Earn at least 3.33% cashback on most local spend

Citi Cashback Card

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

Maybank Family & Friends Card

Earn 8% cashback for five of your chosen categories.


UOB Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories


Citi Rewards Card

Earn 4 miles per dollar on online spend and selected retail

Maybank World Mastercard

Earn 4 miles per dollar on selected petrol stations islandwide and up to 3.2 miles per dollar on foreign currency spend 

SPC

UOB One card and POSB Everyday are both equally good here with the highest amount of fuel savings. However, POSB Everyday is good for those who do not want a minimum spending required type of card and those who may have a lower transaction amount that is below S$51 per bill. On the other hand, the UOB One card allows you to pair the credit card spending with the UOB One account to supercharge your savings to maximise the interest earned on your savings account. Therefore, UOB One card is definitely the best in this case. You can refer to my post here if you are interested. However, to maximise the UOB One cashback, each transaction amount needs to be S$51 and above to get additional 5% discount (extra S$3 off).

UOB One Card

Earn at least 3.33% cashback on most local spend

Maybank Family & Friends Card

Earn 8% cashback for five of your chosen categories.


POSB Everyday Card

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

UOB Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories


Citi Rewards Card

Earn 4 miles per dollar on online spend and selected retail

Esso

Aside from the cards mentioned below,  here are some options to consider. The DCS Vicom Credit Card provides up to 23.2% cashback on fuel at Esso stations when paired with the Esso Fleet Card, with a minimum spend of S$1,200 per year. The DBS Esso Card offers up to 21.6% fuel savings, including an 18% instant discount at Esso and an extra S$8 fuel savings with a minimum spend of S$180 nett per calendar month (valid until 30 June 2024). If you’re looking to earn miles instead of cashback, the UOB Visa Signature card offers 4 miles per dollar on petrol, provided you spend at least S$1,000 per month, capped at S$2,000 monthly

Citi Cashback Card

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

Maybank Family & Friends Card

Earn 8% cashback for five of your chosen categories.


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 Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories


Caltex

You can also consider these choices: OCBC Frank Card which offers 8% cashback on fuel, provided you meet the S$800 minimum spend, cashback is capped at S$25 per month. Additionally, enjoy an 18% upfront discount on Techron® fuels when paying via the CaltexGO app. For those who prefer earning miles, the UOB Preferred Platinum Visa provides 4 miles per dollar spent on petrol, with no minimum spend required, though the cap is S$1,110 per month.

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 Cashback Card

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

Maybank Family & Friends Card

Earn 8% cashback for five of your chosen categories.


Citi Rewards Card

Earn 4 miles per dollar on online spend and selected retail

DBS Woman's World Card

Earn 4 miles per dollar on online spend

UOB Lady's Card

Earn 4 miles per dollar on 1 or 2 chosen categories


Conclusion:

Selecting a credit card that optimizes your savings is crucial, taking into account your preferred gas station and spending habits. You should definitely opt for a cashback card instead of a miles card for petrol, because just because you can earn 4 miles per dollar on the above miles cards doesn’t mean you should. Of cos, everyone’s valuation of miles is difficult. I have a pretty conservative valuation for miles. For me, the current value of 4 miles, is equivalent to around 5.28% cashback. If a cashback card gives more than 5.28% cashback/savings, I would opt for cashback and use the cashback earned to “buy miles”. Therefore, my recommendation below will be solely to go for cashback cards.

For Esso Stations, DCS VICOM Credit Card and DBS Esso Card are possibly the best option to get since it’s exclusively made for purchases on ESSO stations with a high fuel savings. UOB One Card would be the best to use at Shell and SPC stations because of its 22.66% potential savings. POSB Everyday Card can be best also for SPC stations because of its 20.1% fuel savings with no minimum monthly spend required to earn the cashback. For Caltex Stations, OCBC 365 Credit Card with the CaltexGo app would be the best to use because of a high coverall fuel savings.

💳 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.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

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

You may have missed…

best cards for utilities
best cards for airport lounges

Leave a Reply

Your email address will not be published. Required fields are marked *

Citi Rewards

Get Dyson Airstrait™ straightener or Dyson Digital Slim Submarine or Apple iPad (A16) 11" Wi-Fi 128GB or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 30, 2025

HSBC Live+

Get Dyson Supersonic or Dyson WashG1™ wet floor cleaner or Apple iPad (A16) 11" Wi-Fi 128GB or Sony HT-AX7 or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 18, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or Shark Steam And Scrub Mop or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 30, 2025

Citi Rewards

Get Dyson Airstrait™ straightener or Dyson Digital Slim Submarine or Apple iPad (A16) 11" Wi-Fi 128GB or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 30, 2025

HSBC Live+

Get Dyson Supersonic or Dyson WashG1™ wet floor cleaner or Apple iPad (A16) 11" Wi-Fi 128GB or Sony HT-AX7 or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 18, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or Shark Steam And Scrub Mop or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 30, 2025

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.

UOB One Card

NIL

UOB One Card

  • Earn up to 20% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$2,000, capped at S$200
    • Base cashback: 3.33%
    • Additional cashback: 6.67%
    • Enhanced cashback: 10% Cashback
  • Earn up to 10% total cashback when you charge at least 5 Card Transactions with a minimum spend of S$500 or S$1,000 for three consecutive months, capped at S$50 or S$100 respectively:
    • Base cashback: 3.33%
    • Additional cashback: 5%
    • Enhanced cashback: 5% Cashback

 

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

Citi Cashback Card

Option 1: Direct Bank Promotion

  • Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
  • Valid til 31 July 2025
  • Read Terms and Conditions here

Option 2: SingSaver Promotion

  • Get Dyson Airstrait™ straightener (worth S$799) or Dyson Digital Slim Submarine™ (worth $699) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 12 June to 30 June 2025
  • 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 to secure your rewards after you have applied!

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

Maybank Family & Friends Card

  • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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 8% cashback for five (5) of your chosen spend categories across ten (10) options.
    • Each category has a cashback cap of S$25 (which would max out at S$312.50 of spending per category)
  • Minimum spend of S$800
  • Each category has a cashback cap of S$25 (total of S$125 for 5 categories)
  • Earn unlimited 0.3% 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

 

Terms and Conditions

Read Full Review

UOB Lady’s Card

NIL

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$2,000

    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

    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 31 July 2025
    • Read Terms and Conditions here
    •  

    Option 2: Singsaver Promotion

    • Get Dyson Airstrait™ straightener (worth S$799) or Dyson Digital Slim Submarine™ (worth $699) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
    • Valid from 12 June to 30 June 2025
    • 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

    Maybank World Mastercard

    • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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 World Mastercard

    • Earn 4 miles per dollar (10X TREATS Points per S$5) spent at specially selected retail stores, restaurants, and all petrol stations islandwide
    • Earn up to 3.2 miles per dollar on foreign currency spend with no cap (3.25% foreign currency fee applies)
      • Earn 3.2 miles per dollar when you spend a minimum of S$4,000
      • Earn 2.8 miles per dollar when you spend a minimum of S$800
      • Earn 0.4 miles per dollar when you spend below S$800
    • Earn 0.4 miles per dollar (10X TREATS Points per S$5) on local spend

    This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)

     

    Annual Fee
    • S$240, waived for the first year

     

    Income Requirement
    • S$80,000 (locals/PRs)

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    POSB Everyday Card

    • Get S$300 Cashback when you use the code: CASH300 and spend S$800 within 60 days from card approval date
    • Valid for new to bank cardholders
    • Valid until 31 July 2025
    • Terms and Conditions here

    • Forgot to enter the promo code after application? Don’t worry. You can do so 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

    OCBC 365 Card

      • Receive an Apple Airpods 4 (worth S$199) or Shark Wandvac Handheld Vacuum – WV203 (worth $258) or S$180 Shopee Voucher or S$150 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
      • Valid from 02 June to 30 June 2025
      • 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!

      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 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)

      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$1,500 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

      Chocolate Finance

      Currently, there is no sign-up bonus, but you can earn 250 Max Miles when you register for a HeyMax account.

      Chocolate Finance

      • Earn 2 Max Miles per dollar on the first S$1,000 spent each month
      • Earn 0.4 Max Miles per S$1 after S$1,000 spend
      • Earn miles on insurance payments, charity donations, utilities, education fees, and AXS Bill payments
      • Zero foreign exchange fees — Visa’s exchange rates are passed directly to you with no hidden fees or markups

       

      Know what this card is best for

      Maybank Visa Platinum Card

      • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) 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 Visa Platinum Card

      • Get up to 3.33% cash rebate on all your local and foreign currency spend with a minimum monthly spend of S$300 per month for a quarter.
      • Can be used on Insurance payments up to a certain extent (effective 1 July 2025, 30% spending cap will apply)
       
      Annual Fee
      • Free
       
      Income Requirement
      • S$30,000 (locals/PRs); S$60,000 (foreigners)
       
      Can I earn cashback when I pay my Insurance
      • You may use Cardup/iPayMy to make payments. You should leverage the new user code/link for Cardup as well as iPayMy first.
        • For S$30 off your first payment, Cardup new user code: IJTLFREE
      • iPayMy new user sign up link: (Note that if you sign up directly, you will only get S$20 off your first payment)
       
      Know what this card is best for

      Terms and Conditions

      Read Full Review

      DCS Ultimate Platinum Card

      • Receive one (1) CATERPILLAR Industrial Plate Trunk worth S$320 when you apply for any 2 participating DCS Credit Cards and make a min. cumulative spend of S$350 per month for 2 consecutive months from card approval date
      • Valid for new and existing credit cardholders
      • Promo valid until 30 June 2025
      • Read Terms and Conditions here
      • Take note that first two consecutive months is calculated differently by DCS (See below). More accurately, it should be first and third month.

      DCS Ultimate Platinum Card

      • Earn 2% cashback with no minimum spend required and a maximum monthly spend of S$10,000 per calendar month
       
      Annual Fee
      • S$196.20 (inclusive of GST), first year waived
       
      Income Requirement
      • S$30,000 or S$15,000— age 55 & above (locals/PRs); S$60,000 (foreigners)
       
      Know what this card is best for

      Terms and Conditions

      Read Full Review

      AMEX True Cashback Card

          • Receive Apple Airpods 4 or S$120 eCapitaVoucher when you spend S$500 within 30 days from card approval
          • Valid from 21 April to 30 June 2025
          • Promotion is valid for new to bank credit card holders
          • Read Terms and Conditions here
          • Must fulfill spending requirement to receive gift confirmation

          AMEX True Cashback Card

          • Earn 1.5% Unlimited Cashback with minimum monthly spending requirement and no maximum spending cap
          • Best used on commonly excluded merchants
           
          Annual Fee
          • S$174.40 (incl. of 9% GST) waived for the first year
           
          Income Requirement
          • S$30,000 (locals/PRs); S$45,000 (foreigners)
           
          When is Cashback Credited
          • Receive cashback in the same month’s statement
           
          Know what this card is best for

           

          Terms and Conditions

          Read Full Review

          Citi Prestige Card

          Option 1: Direct Bank Promotion – Higher Qualifying Spend

            • Receive 125,000 ThankYou Points in Welcome Gift when you pay annual fee upon card approval & spend S$2,000 in the first 2 months of card approval
            • Read Terms and Conditions here
            • Valid until 30 June 2025
            • Eligible for new main Citi Prestige Card members (if you hold other Citibank cards but have not held a Citi Prestige card over the last 12 months, you are considered new to Citi Prestige)

             

            Option 2: Singsaver – Lower Qualifying Spend

              • Get 2D1N Banyan Tree – Mandai Rainforest Resort Staycation (worth S$645) or 10x Yunomori Onsen & Spa Vouchers (worth S$580) or Apple AirPods Max (worth S$749) or LOJEL Cubo Large (worth S$640) upon activating and spending a min. S$500 within 30 days of card approval.
              • Valid from 02 June to 30 June 2025
              • 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 to secure your rewards after you have applied!

                Citi Prestige Card

                • Earn up to 2 miles per dollar (5 Citi ThankYou Points) spend overseas and 1.3 miles per dollar (3.25 Citi ThankYou Points) locally. You can also access exclusive benefits such as 4th night complimentary night stay, unlimited Priority Pass visits + one guest per membership year (will change to 12 priority visits per calendar year after 1 July 2025), 6 complimentary golf games, and dining experiences. The earn rate is enhanced with bonus ThankYou Points when you hold a Citi bank account for a period of time.
                • Points has no cap and expiry

                 

                Annual Fee
                • S$545 (Non-Waivable) — will increase to S$651.82 after 1 July 2025

                 

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

                 

                Points Expiry
                • ThankYou points do not expire

                 
                Transfer Partners
                • Singapore Airlines, 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

                DBS Vantage

                • Receive up to 60,000 miles when you spend S$4,000 + pay annual fee within 30 days of card approval to be eligible for reward
                  • Pay the annual fee of S$599.50 (inclusive of GST) to receive 25,000 miles
                  • Spend S$4,000 to receive 35,000 miles
                • Promotion is valid for new and existing DBS credit cardmember
                • Promotion is valid until 31 August 2025
                • Read Terms and Conditions here

                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:


                Terms and Conditions

                Read Full Review

                HSBC TravelOne Card

                • Get Dyson Supersonic™ (worth S$599) or Dyson WashG1™ wet floor cleaner (S$999) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Sony HT-AX7 (worth $769) or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent + pay annual fee
                • Valid from from 04 June to 18 June 2025
                • 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!

                HSBC TravelOne Card

                • Earn 2.4 miles per dollar on foreign currency spend, and 1.2 miles per dollar on local spend. This card is best for travelers due to the fact that it has twice more than the usual lounge passes that you can acquire in other similar earn rate entry level credit cards; you are entitled to 4 free airport lounge visits (via DragonPass) per calendar year! Plus, it has an extensive list of transfer partners allowing flexibility.
                 
                Annual Fee
                • S$196.20 (inclusive of GST), first year free waiver
                 
                Income Requirement
                • S$30,000 (locals/PRs); S$40,000 (foreigners)
                 
                Points Expiry
                • After 37 months
                 
                Transfer Partners
                • Asia Miles, Vietnam Airlines, British Airways, EVA Air, Qantas, Air Asia, Flying Blue, Krisflyer, Fortune Wings Club, Turkish Airlines, United Mileage Plus, Air Canada, Qatar Airways, Japan Airlines
                 
                Know what this card is best for:

                 

                Terms and Conditions

                Read Full Review

                UOB PRVI Card

                NIL

                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

                 

                Terms and Conditions

                Read Full Review

                DBS Altitude Card

                • Get up to 38,000 miles when you spend S$800 within 60 days from card approval
                  • Promo Code: ALT38 – 38,000 miles when you pay the annual fee
                  • Promo Code: ALTW28 – 28,000 miles (annual fee waived)
                • Valid for New to Bank Cardholders
                • Valid from 1 March until 31 August 2025
                • Read Terms and Conditions here

                Pro Tip: Choose the one with the annual fee waived 

                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)

                 

                 

                Terms and Conditions

                Read Full Review

                Standard Chartered Journey Card

                  • Receive Samsonite Straren Spinner 67/24 (worth S$600) or 12K Max Miles or S$250 Shopee Voucher or S$180 Cash via PayNow when you spend S$800 within 30 days of card approval
                  • Valid from 02 June to 30 June 2025
                  • Read Terms and Conditions here
                  • Promotion is valid for new to bank credit card holders
                  • 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:

                  My thoughts: If you were going to apply for this card, you would probably get the better value from choosing the annual fee paying option as you would get extra 20,000 miles for S$196.20, making your cost per mile to be 0.9 cents per mile. Do take note of the minimum spend criteria of S$3000 within 2 months of card approval as well as spending on eligible transactions for your qualifying spend to maximise the sign up rewards.

                  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

                  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 31 July 2025
                      • Read Terms and Conditions here

                       

                      Option 2: Singsaver Promotion

                        • Get Dyson Airstrait™ straightener (worth S$799) or Dyson Digital Slim Submarine™ (worth $699) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
                        • Valid from 12 June to 30 June 2025
                        • 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:

                         

                        Terms and Conditions

                        Read Full Review