Get up to 24% fuel savings: 5% Shell station discount, 5% Shell GO+ discount, 7% UOB One Credit Card discount, 3% UOB Cards x Shell Smartpay discount, and, if applicable, up to 5% UOB One Credit Card cashback.
HomeBest Credit Cards for Petrol in Singapore
Best Credit 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.
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.
UOB One
Receive S$350 cash credit when you spend a min. of S$1,000 per month for 2 consecutive months from card approval date
– Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Terms and Conditions here
If you would like to earn some guaranteed sign up bonus as a new-to-bank UOB Credit cardholder, you can sign up for UOB Krisflyer first:
Receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
Terms and Conditions Here
What You Need to Know
- Up to 3.33% cashback on categories such as dining, online shopping, groceries, transport, and more, with the minimum monthly spend of S$500. You can also earn 6.67% additional cashback for spendings at selected merchants like Cold Storage, Giant, Grab and Shopee. Do note that you will only receive 3.33% cashback when you spend $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. Eg. If you spend S$500 in month 1, S$1000 in month 2, S$1000 in month 3, you will only receive cashback of S$50 (based on S$500 spending).
- S$500, S$1,000, or S$2,000 minimum spend tiers and S$50, S$100, S$200 cashback cap per month per quarter
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.
Citi Cashback
Get up to 25.48% fuel savings: 5% Shell site discount + 5% Shell GO+ discount + 4% Citi Card discount + 5% upsized instant discount on Shell V-Power (valid till 31 Aug) + 8% cash back on nett purchase
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- Get 8% cashback on Petrol and local private hire/taxi, 6% cash back on Dining at restaurants and cafes daily, worldwide, 6% cash back on groceries at supermarkets and grocery stores daily, worldwide.
- Up to 20.88% fuel savings at Esso and Shell & up to 31% in savings on Sinopec (depending on station discount).
- There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
- Able to get a lower foreign currency spread (2%~) by linking to Instarem Amaze for overseas transactions instead of the usual 3.25% foreign currency fee if you were to use the card directly.
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.
Get 0.2% base cashback for other spends
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.
Citi Rewards
Get up to 19% fuel savings: 5% Shell discount, 5% Shell GO+ discount, 5% upsized instant discount on Shell V-Power (valid till 31 Aug), 4% Citi Card discount
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval to be eligible for rewards
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- This card gives a great earn rate of 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 and use the Amaze card instead for offline spending on all categories like shopping, dining, TCM, chiropractors, Google/Tiktok/Facebook Ads
- Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
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
Fuel Savings:
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.
UOB Lady's Card
Get up to 17% fuel savings: 5% Shell station discount, 5% Shell GO+ discount, 4% discount, and 3% UOB Cards x Shell Smartpay
Get S$350 cash credit when you spend S$1,500 per month for 2 consecutive months from card approval date
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Valid ’til 31 July 2024
- Read Terms and Conditions here
Alternatively, if you are a new-to-UOB credit cardholder and want to maximise your sign up rewards, you should apply for the UOB Krisflyer Card first to receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
- Valid ’til 31 August 2024
- Read Terms and Conditions here
What You Need to Know
- Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category with no minimum spend required
- For the Classic Card, you can choose 1 category out of the 7 rewards categories, with a spending cap of S$1000; For the Lady’s Solitaire and Lady’s Solitaire Metal card, you can choose 2 categories out of the 7 rewards categories, with a spending cap of S$2,000
- The categories include:
- Beauty & Wellness (e.g. Guardian, Watsons, Massage, facial, cosmetic stores, hair salons, spas)
- Fashion (e.g. Lazada, clothing, shoes stores – Shopee is not included here)
- Dining (e.g. restaurants, food delivery – Bakeries are not included here)
- Family (e.g. grocery stores, children clothing stores)
- Travel (e.g. Trip.com, Klook, Agoda, flights, hotels, duty-free stores)
- Transport (e.g. Grab, Gojek, Tada, public transport, taxi, petrol)
- Entertainment (e.g. bars, night clubs, cinemas)
Annual Fee
Classic Version – S$196.20 (incl. 9% GST), first year waived
Income Requirement
S$30,000 (locals/PRs); S$40,000 (foreigners)
When are UNI$ credited
- Base 1X UNI$: Credited when transactions post, usually within 1 – 3 working days
- Bonus 14X UNI$: Credited by end of the following calendar month
UOB One
Get up to 24% fuel savings: 5% Shell station discount, 5% Shell GO+ discount, 7% UOB One Credit Card discount, 3% UOB Cards x Shell Smartpay discount, and, if applicable, up to 5% UOB One Credit Card cashback.
Receive S$350 cash credit when you spend a min. of S$1,000 per month for 2 consecutive months from card approval date
– Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Terms and Conditions here
If you would like to earn some guaranteed sign up bonus as a new-to-bank UOB Credit cardholder, you can sign up for UOB Krisflyer first:
Receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
Terms and Conditions Here
What You Need to Know
- Up to 3.33% cashback on categories such as dining, online shopping, groceries, transport, and more, with the minimum monthly spend of S$500. You can also earn 6.67% additional cashback for spendings at selected merchants like Cold Storage, Giant, Grab and Shopee. Do note that you will only receive 3.33% cashback when you spend $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. Eg. If you spend S$500 in month 1, S$1000 in month 2, S$1000 in month 3, you will only receive cashback of S$50 (based on S$500 spending).
- S$500, S$1,000, or S$2,000 minimum spend tiers and S$50, S$100, S$200 cashback cap per month per quarter
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.
Citi Cashback
Get up to 25.48% fuel savings: 5% Shell site discount + 5% Shell GO+ discount + 4% Citi Card discount + 5% upsized instant discount on Shell V-Power (valid till 31 Aug) + 8% cash back on nett purchase
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- Get 8% cashback on Petrol and local private hire/taxi, 6% cash back on Dining at restaurants and cafes daily, worldwide, 6% cash back on groceries at supermarkets and grocery stores daily, worldwide.
- Up to 20.88% fuel savings at Esso and Shell & up to 31% in savings on Sinopec (depending on station discount).
- There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
- Able to get a lower foreign currency spread (2%~) by linking to Instarem Amaze for overseas transactions instead of the usual 3.25% foreign currency fee if you were to use the card directly.
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.
Get 0.2% base cashback for other spends
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.
Citi Rewards
Get up to 19% fuel savings: 5% Shell discount, 5% Shell GO+ discount, 5% upsized instant discount on Shell V-Power (valid till 31 Aug), 4% Citi Card discount
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval to be eligible for rewards
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- This card gives a great earn rate of 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 and use the Amaze card instead for offline spending on all categories like shopping, dining, TCM, chiropractors, Google/Tiktok/Facebook Ads
- Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
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
Fuel Savings:
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.
UOB Lady's Card
Get up to 17% fuel savings: 5% Shell station discount, 5% Shell GO+ discount, 4% discount, and 3% UOB Cards x Shell Smartpay
Get S$350 cash credit when you spend S$1,500 per month for 2 consecutive months from card approval date
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Valid ’til 31 July 2024
- Read Terms and Conditions here
Alternatively, if you are a new-to-UOB credit cardholder and want to maximise your sign up rewards, you should apply for the UOB Krisflyer Card first to receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
- Valid ’til 31 August 2024
- Read Terms and Conditions here
What You Need to Know
- Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category with no minimum spend required
- For the Classic Card, you can choose 1 category out of the 7 rewards categories, with a spending cap of S$1000; For the Lady’s Solitaire and Lady’s Solitaire Metal card, you can choose 2 categories out of the 7 rewards categories, with a spending cap of S$2,000
- The categories include:
- Beauty & Wellness (e.g. Guardian, Watsons, Massage, facial, cosmetic stores, hair salons, spas)
- Fashion (e.g. Lazada, clothing, shoes stores – Shopee is not included here)
- Dining (e.g. restaurants, food delivery – Bakeries are not included here)
- Family (e.g. grocery stores, children clothing stores)
- Travel (e.g. Trip.com, Klook, Agoda, flights, hotels, duty-free stores)
- Transport (e.g. Grab, Gojek, Tada, public transport, taxi, petrol)
- Entertainment (e.g. bars, night clubs, cinemas)
Annual Fee
Classic Version – S$196.20 (incl. 9% GST), first year waived
Income Requirement
S$30,000 (locals/PRs); S$40,000 (foreigners)
When are UNI$ credited
- Base 1X UNI$: Credited when transactions post, usually within 1 – 3 working days
- Bonus 14X UNI$: Credited by end of the following calendar month
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).
POSB Everyday
Get up to 20.1% fuel savings: 10% SPC&U Member + 5% POSB Everyday Card discount + 6% POSB Everyday cash rebate (on nett purchase)
Get S$388 cashback when you apply for your first POSB Credit Card when you spend a minimum of S$800 within the first 60 days from card approval date.
- Apply using the Promo Code here: 388CASH
- Valid ’til 15 July 2024
- Promotion is valid for new DBS credit cardmembers only
- Must fulfill spending requirement to receive gift confirmation
- Read Terms and Conditions here
What You Need to Know
- With no minimum monthly spend required, this card gives you 5% cash rebates at Sheng Siong, up to 3% cash rebates on selected electricity retailers, 20.1% fuel savings at SPC, and 3% cash rebates at Pet Lovers Centre (purchases above S$15).
This card is best used for SPC!
Annual Fee
S$196.20 (incl. of GST), waived for the first year.
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
Where do I redeem my Daily$:
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
- Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
UOB One
Get up to 20% fuel savings: 10% SPC&U Member + 5% UOB One Card discount + $3 off every $51 nett petrol purchase (5%)
Receive S$350 cash credit when you spend a min. of S$1,000 per month for 2 consecutive months from card approval date
– Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Terms and Conditions here
If you would like to earn some guaranteed sign up bonus as a new-to-bank UOB Credit cardholder, you can sign up for UOB Krisflyer first:
Receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
Terms and Conditions Here
What You Need to Know
- Up to 3.33% cashback on categories such as dining, online shopping, groceries, transport, and more, with the minimum monthly spend of S$500. You can also earn 6.67% additional cashback for spendings at selected merchants like Cold Storage, Giant, Grab and Shopee. Do note that you will only receive 3.33% cashback when you spend $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. Eg. If you spend S$500 in month 1, S$1000 in month 2, S$1000 in month 3, you will only receive cashback of S$50 (based on S$500 spending).
- S$500, S$1,000, or S$2,000 minimum spend tiers and S$50, S$100, S$200 cashback cap per month per quarter
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.
UOB Lady's Card
Get up to 20% fuel savings
Get S$350 cash credit when you spend S$1,500 per month for 2 consecutive months from card approval date
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Valid ’til 31 July 2024
- Read Terms and Conditions here
Alternatively, if you are a new-to-UOB credit cardholder and want to maximise your sign up rewards, you should apply for the UOB Krisflyer Card first to receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
- Valid ’til 31 August 2024
- Read Terms and Conditions here
What You Need to Know
- Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category with no minimum spend required
- For the Classic Card, you can choose 1 category out of the 7 rewards categories, with a spending cap of S$1000; For the Lady’s Solitaire and Lady’s Solitaire Metal card, you can choose 2 categories out of the 7 rewards categories, with a spending cap of S$2,000
- The categories include:
- Beauty & Wellness (e.g. Guardian, Watsons, Massage, facial, cosmetic stores, hair salons, spas)
- Fashion (e.g. Lazada, clothing, shoes stores – Shopee is not included here)
- Dining (e.g. restaurants, food delivery – Bakeries are not included here)
- Family (e.g. grocery stores, children clothing stores)
- Travel (e.g. Trip.com, Klook, Agoda, flights, hotels, duty-free stores)
- Transport (e.g. Grab, Gojek, Tada, public transport, taxi, petrol)
- Entertainment (e.g. bars, night clubs, cinemas)
Annual Fee
Classic Version – S$196.20 (incl. 9% GST), first year waived
Income Requirement
S$30,000 (locals/PRs); S$40,000 (foreigners)
When are UNI$ credited
- Base 1X UNI$: Credited when transactions post, usually within 1 – 3 working days
- Bonus 14X UNI$: Credited by end of the following calendar month
POSB Everyday
Get up to 20.1% fuel savings: 10% SPC&U Member + 5% POSB Everyday Card discount + 6% POSB Everyday cash rebate (on nett purchase)
Get S$388 cashback when you apply for your first POSB Credit Card when you spend a minimum of S$800 within the first 60 days from card approval date.
- Apply using the Promo Code here: 388CASH
- Valid ’til 15 July 2024
- Promotion is valid for new DBS credit cardmembers only
- Must fulfill spending requirement to receive gift confirmation
- Read Terms and Conditions here
What You Need to Know
- With no minimum monthly spend required, this card gives you 5% cash rebates at Sheng Siong, up to 3% cash rebates on selected electricity retailers, 20.1% fuel savings at SPC, and 3% cash rebates at Pet Lovers Centre (purchases above S$15).
This card is best used for SPC!
Annual Fee
S$196.20 (incl. of GST), waived for the first year.
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
Where do I redeem my Daily$:
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
- Use Daily$ to offset your online purchases instantly at participating merchants’ website or mobile app:
UOB One
Get up to 22.66% fuel savings: 10% SPC&U Member + 5% UOB One Card discount + $3 off every $51 nett petrol purchase (5%)
Receive S$350 cash credit when you spend a min. of S$1,000 per month for 2 consecutive months from card approval date
– Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
Terms and Conditions here
If you would like to earn some guaranteed sign up bonus as a new-to-bank UOB Credit cardholder, you can sign up for UOB Krisflyer first:
Receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
Terms and Conditions Here
What You Need to Know
- Up to 3.33% cashback on categories such as dining, online shopping, groceries, transport, and more, with the minimum monthly spend of S$500. You can also earn 6.67% additional cashback for spendings at selected merchants like Cold Storage, Giant, Grab and Shopee. Do note that you will only receive 3.33% cashback when you spend $500, $1,000 or $2,000 for 3 consecutive months in a qualifying quarter. Eg. If you spend S$500 in month 1, S$1000 in month 2, S$1000 in month 3, you will only receive cashback of S$50 (based on S$500 spending).
- S$500, S$1,000, or S$2,000 minimum spend tiers and S$50, S$100, S$200 cashback cap per month per quarter
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.
UOB Lady's Card
Get up to 20% fuel savings
Get S$350 cash credit when you spend S$1,500 per month for 2 consecutive months from card approval date
- Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers per month during the promotional period
- Valid ’til 31 July 2024
- Read Terms and Conditions here
Alternatively, if you are a new-to-UOB credit cardholder and want to maximise your sign up rewards, you should apply for the UOB Krisflyer Card first to receive up to 31,000 miles plus first year annual fee waived (S$194.40 incl. GST) when you spend at least S$2,000 within 60 days of card approval to be eligible for rewards
- Valid ’til 31 August 2024
- Read Terms and Conditions here
What You Need to Know
- Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category with no minimum spend required
- For the Classic Card, you can choose 1 category out of the 7 rewards categories, with a spending cap of S$1000; For the Lady’s Solitaire and Lady’s Solitaire Metal card, you can choose 2 categories out of the 7 rewards categories, with a spending cap of S$2,000
- The categories include:
- Beauty & Wellness (e.g. Guardian, Watsons, Massage, facial, cosmetic stores, hair salons, spas)
- Fashion (e.g. Lazada, clothing, shoes stores – Shopee is not included here)
- Dining (e.g. restaurants, food delivery – Bakeries are not included here)
- Family (e.g. grocery stores, children clothing stores)
- Travel (e.g. Trip.com, Klook, Agoda, flights, hotels, duty-free stores)
- Transport (e.g. Grab, Gojek, Tada, public transport, taxi, petrol)
- Entertainment (e.g. bars, night clubs, cinemas)
Annual Fee
Classic Version – S$196.20 (incl. 9% GST), first year waived
Income Requirement
S$30,000 (locals/PRs); S$40,000 (foreigners)
When are UNI$ credited
- Base 1X UNI$: Credited when transactions post, usually within 1 – 3 working days
- Bonus 14X UNI$: Credited by end of the following calendar month
Esso
DBS Esso Card will probably the best option here.
DBS Esso Card
Get up to 23% fuel savings & 2.2% Smiles savings.
Nil at the moment
What You Need to Know
You can get up to 21.6% fuel savings at Esso & 2.4% Smiles savings. There’s a minimum spend of S$180 nett – to get the S$8 monthly fuel savings.
Annual Fee
S$196.20, first year waived
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
OCBC 365
Get up to 21.04% fuel savings on Esso Synergy fuel.
Receive a Travel Bundle [Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag] (worth S$570.80), or a Dyson AM07 (worth S$459), or S$270 eCapitaVoucher, or S$200 Cash via PayNow + S$50 eCapitaVoucher upon activating and when you spend S$500 within 30 days of card approval.
- Valid ’til 14 August 2024
- Read Terms and Conditions Here
What You Need to Know
- Earn 6% cashback on Petrol and Groceries, 5% cashback on Dining, 3% cashback on Land Transport, Pharmacy, Streaming, and Electric Vehicle Charging. This has a wide array of categories all falling under everyday spending; plus when paired with OCBC 360 account, you can effectively get a double dip on benefits.
- There is a 2 tier of spends: S$800/S$1,600 minimum spend required each month, and cashback is limited to S$80/S$160 cashback cap per statement month.Â
Annual Fee
S$196.20 (incl. 9% GST), first two years waived
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
When is Cashback Credited
Cashback awarded will be reflected in the Billing Statement provided on a monthly
basis. Such Cashback will be automatically offset against that month’s billed amount.
Fuel Savings:
CaltexGO Offer:
Get 18% instant discount on Techron fuels with all OCBC credit/ debit cards when you pay with the CaltexGO app.
OCBC 365 Card:
Get 18% instant discount on Techron® fuels + 6% cashback# on nett fuel spend. (Up to 22.92% fuel savings)
Get 16% instant discount on Platinum 98 or 14% instant discount on other grades of petrol and diesel with all OCBC Credit or Debit Cards.
Citi Cashback
Get up to 20.88% fuel savings: 5% Esso site discount + 5% Esso Smiles Card discount + 4% Citi Card discount + 8% cash back on nett purchase.
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- Get 8% cashback on Petrol and local private hire/taxi, 6% cash back on Dining at restaurants and cafes daily, worldwide, 6% cash back on groceries at supermarkets and grocery stores daily, worldwide.
- Up to 20.88% fuel savings at Esso and Shell & up to 31% in savings on Sinopec (depending on station discount).
- There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
- Able to get a lower foreign currency spread (2%~) by linking to Instarem Amaze for overseas transactions instead of the usual 3.25% foreign currency fee if you were to use the card directly.
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.
Get 0.2% base cashback for other spends
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.
Citi Rewards
Get up to 14% fuel savings: 5% Esso site discount + 5% Esso Smiles Card discount + 4% Citi Card discount. Plus 4 miles per dollar when used with Amaze
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval to be eligible for rewards
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- This card gives a great earn rate of 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 and use the Amaze card instead for offline spending on all categories like shopping, dining, TCM, chiropractors, Google/Tiktok/Facebook Ads
- Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
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
Fuel Savings:
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.
DBS Esso Card
Get up to 23% fuel savings & 2.2% Smiles savings.
Nil at the moment
What You Need to Know
You can get up to 21.6% fuel savings at Esso & 2.4% Smiles savings. There’s a minimum spend of S$180 nett – to get the S$8 monthly fuel savings.
Annual Fee
S$196.20, first year waived
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
OCBC 365
Get up to 21.04% fuel savings on Esso Synergy fuel.
Receive a Travel Bundle [Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag] (worth S$570.80), or a Dyson AM07 (worth S$459), or S$270 eCapitaVoucher, or S$200 Cash via PayNow + S$50 eCapitaVoucher upon activating and when you spend S$500 within 30 days of card approval.
- Valid ’til 14 August 2024
- Read Terms and Conditions Here
What You Need to Know
- Earn 6% cashback on Petrol and Groceries, 5% cashback on Dining, 3% cashback on Land Transport, Pharmacy, Streaming, and Electric Vehicle Charging. This has a wide array of categories all falling under everyday spending; plus when paired with OCBC 360 account, you can effectively get a double dip on benefits.
- There is a 2 tier of spends: S$800/S$1,600 minimum spend required each month, and cashback is limited to S$80/S$160 cashback cap per statement month.Â
Annual Fee
S$196.20 (incl. 9% GST), first two years waived
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
When is Cashback Credited
Cashback awarded will be reflected in the Billing Statement provided on a monthly
basis. Such Cashback will be automatically offset against that month’s billed amount.
Fuel Savings:
CaltexGO Offer:
Get 18% instant discount on Techron fuels with all OCBC credit/ debit cards when you pay with the CaltexGO app.
OCBC 365 Card:
Get 18% instant discount on Techron® fuels + 6% cashback# on nett fuel spend. (Up to 22.92% fuel savings)
Get 16% instant discount on Platinum 98 or 14% instant discount on other grades of petrol and diesel with all OCBC Credit or Debit Cards.
Citi Cashback
Get up to 20.88% fuel savings: 5% Esso site discount + 5% Esso Smiles Card discount + 4% Citi Card discount + 8% cash back on nett purchase.
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- Get 8% cashback on Petrol and local private hire/taxi, 6% cash back on Dining at restaurants and cafes daily, worldwide, 6% cash back on groceries at supermarkets and grocery stores daily, worldwide.
- Up to 20.88% fuel savings at Esso and Shell & up to 31% in savings on Sinopec (depending on station discount).
- There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
- Able to get a lower foreign currency spread (2%~) by linking to Instarem Amaze for overseas transactions instead of the usual 3.25% foreign currency fee if you were to use the card directly.
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.
Get 0.2% base cashback for other spends
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.
Citi Rewards
Get up to 14% fuel savings: 5% Esso site discount + 5% Esso Smiles Card discount + 4% Citi Card discount. Plus 4 miles per dollar when used with Amaze
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval to be eligible for rewards
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- This card gives a great earn rate of 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 and use the Amaze card instead for offline spending on all categories like shopping, dining, TCM, chiropractors, Google/Tiktok/Facebook Ads
- Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
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
Fuel Savings:
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.
Caltex
Maybank Family and Friends card with the Diamond Sky Fuel Card will be the best option here.
Maybank Family & Friends Card
Get up to 26.45% off fuel purchases at Caltex stations with your DS Fuel Card
Receive an Apple Airpods (3rd Gen) With Magsafe Charging Case (worth S$274) or Xiaomi Smart Air Purifier 4 EU (worth S$275) or S$180 eCapitaVoucher upon activating and spending S$500 by end of the following calendar month from the card account opening date + must provide marketing consent.
- Valid ’til 16 August 2024
- Read Terms and Conditions Here
What You Need to Know
- This card gives you a great 8% cashback on 5 of your chosen categories, which you can change every 3 months.
- Here are the bonus categories you can choose from:
Groceries (default)
Transport (default)
Dining & Food Delivery (default)
Retail & Pets (default)
Data Communication & Online TV Streaming (default)
Online Fashion
Entertainment
Pharmacy
Sports & Sports Apparels
Beauty & Wellness - There is a minimum spending of S$800 required on the card per month. Cashback is capped at $25 per category ($312.50 worth of spending).
- You will also enjoy 0.3% cashback on all AXS bills, capped at S$50 per transaction.
- This is best used by families who spend a lot on everyday necessities like groceries, food, online streaming subscription, etc.
- For overseas spending, you can also pair this with the Amaze card to earn 8% cashback on your chosen categories (subjected to 2% forex spread) = overall around 6% cashback
Annual Fee
$180 (First three years waived)
Income Requirement
S$30,000 (locals/PRs); S$60,000 (foreigners)
When is Cashback Credited
It will automatically be credited into the card member’s account if the transaction is made at an outlet that is listed as an outlet of a merchant in a Default Category or Selected Category
Citi Cashback
Get 23.64% fuel savings: 17% instant discount at Caltex on all Techron® fuels + 8% cash back on nett purchase.
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- Get 8% cashback on Petrol and local private hire/taxi, 6% cash back on Dining at restaurants and cafes daily, worldwide, 6% cash back on groceries at supermarkets and grocery stores daily, worldwide.
- Up to 20.88% fuel savings at Esso and Shell & up to 31% in savings on Sinopec (depending on station discount).
- There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
- Able to get a lower foreign currency spread (2%~) by linking to Instarem Amaze for overseas transactions instead of the usual 3.25% foreign currency fee if you were to use the card directly.
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.
Get 0.2% base cashback for other spends
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.
HSBC Live+
Earn up to 21.15% fuel savings on Caltex (Diesel to Platinum 98)
Receive a Flujo SmartTrax Standing Desk (worth S$699) or a Dyson AM07 Tower Fan (worth S$459) or Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429) or S$300 e-Voucher (Redeem from Merchants such as Shopee, Grab) when you provide marketing consent to HSBC & not revoke consent till you have received the gift and spend S$500 by the end of the following calendar month from the card account opening date.
Remember to reply to “ready to secure your reward?” email after you have applied!
- Valid ’til 21 July 2024
- Read Terms and Conditions here
- Promotion is stackable with HSBC Live+ Welcome Offer (T&Cs apply):
- Make at least 1 qualifying transaction with your HSBC Live+ Credit Card by the end of the following month from card approval date to receive S$100 cashback
- Existing cardmembers will receive S$50 cashback (with S$500 min spend)
What You Need to Know
You can get 8% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories. 8% cashback is made up of a usual 5% cashback with an additional 3% bonus cashback on those categories until the end of 2024. There is a minimum spend required monthly of S$600 in each quarter, 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 8% 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
S$30,000 (locals/PRs); S$40,000 (foreigners)
When is Cashback Credited
It will be credited within 2 months, after the end of each calendar quarter.
OCBC 365
Get up to 22.92% fuel savings on Techron® fuels: 18% instant discount + 6% cashback on nett fuel spend.
Receive a Travel Bundle [Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag] (worth S$570.80), or a Dyson AM07 (worth S$459), or S$270 eCapitaVoucher, or S$200 Cash via PayNow + S$50 eCapitaVoucher upon activating and when you spend S$500 within 30 days of card approval.
- Valid ’til 14 August 2024
- Read Terms and Conditions Here
What You Need to Know
- Earn 6% cashback on Petrol and Groceries, 5% cashback on Dining, 3% cashback on Land Transport, Pharmacy, Streaming, and Electric Vehicle Charging. This has a wide array of categories all falling under everyday spending; plus when paired with OCBC 360 account, you can effectively get a double dip on benefits.
- There is a 2 tier of spends: S$800/S$1,600 minimum spend required each month, and cashback is limited to S$80/S$160 cashback cap per statement month.Â
Annual Fee
S$196.20 (incl. 9% GST), first two years waived
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
When is Cashback Credited
Cashback awarded will be reflected in the Billing Statement provided on a monthly
basis. Such Cashback will be automatically offset against that month’s billed amount.
Fuel Savings:
CaltexGO Offer:
Get 18% instant discount on Techron fuels with all OCBC credit/ debit cards when you pay with the CaltexGO app.
OCBC 365 Card:
Get 18% instant discount on Techron® fuels + 6% cashback# on nett fuel spend. (Up to 22.92% fuel savings)
Get 16% instant discount on Platinum 98 or 14% instant discount on other grades of petrol and diesel with all OCBC Credit or Debit Cards.
Citi Rewards
Get 17% instant fuel discount on Techron® fuels via CaltexGo. Plus 4 miles per dollar on nett fuel purchase.
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval to be eligible for rewards
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- This card gives a great earn rate of 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 and use the Amaze card instead for offline spending on all categories like shopping, dining, TCM, chiropractors, Google/Tiktok/Facebook Ads
- Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
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
Fuel Savings:
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.
Maybank Family & Friends Card
Get up to 26.45% off fuel purchases at Caltex stations with your DS Fuel Card
Receive an Apple Airpods (3rd Gen) With Magsafe Charging Case (worth S$274) or Xiaomi Smart Air Purifier 4 EU (worth S$275) or S$180 eCapitaVoucher upon activating and spending S$500 by end of the following calendar month from the card account opening date + must provide marketing consent.
- Valid ’til 16 August 2024
- Read Terms and Conditions Here
What You Need to Know
- This card gives you a great 8% cashback on 5 of your chosen categories, which you can change every 3 months.
- Here are the bonus categories you can choose from:
Groceries (default)
Transport (default)
Dining & Food Delivery (default)
Retail & Pets (default)
Data Communication & Online TV Streaming (default)
Online Fashion
Entertainment
Pharmacy
Sports & Sports Apparels
Beauty & Wellness - There is a minimum spending of S$800 required on the card per month. Cashback is capped at $25 per category ($312.50 worth of spending).
- You will also enjoy 0.3% cashback on all AXS bills, capped at S$50 per transaction.
- This is best used by families who spend a lot on everyday necessities like groceries, food, online streaming subscription, etc.
- For overseas spending, you can also pair this with the Amaze card to earn 8% cashback on your chosen categories (subjected to 2% forex spread) = overall around 6% cashback
Annual Fee
$180 (First three years waived)
Income Requirement
S$30,000 (locals/PRs); S$60,000 (foreigners)
When is Cashback Credited
It will automatically be credited into the card member’s account if the transaction is made at an outlet that is listed as an outlet of a merchant in a Default Category or Selected Category
Citi Cashback
Get 23.64% fuel savings: 17% instant discount at Caltex on all Techron® fuels + 8% cash back on nett purchase.
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- Get 8% cashback on Petrol and local private hire/taxi, 6% cash back on Dining at restaurants and cafes daily, worldwide, 6% cash back on groceries at supermarkets and grocery stores daily, worldwide.
- Up to 20.88% fuel savings at Esso and Shell & up to 31% in savings on Sinopec (depending on station discount).
- There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month.
- Able to get a lower foreign currency spread (2%~) by linking to Instarem Amaze for overseas transactions instead of the usual 3.25% foreign currency fee if you were to use the card directly.
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.
Get 0.2% base cashback for other spends
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.
HSBC Live+
Earn up to 21.15% fuel savings on Caltex (Diesel to Platinum 98)
Receive a Flujo SmartTrax Standing Desk (worth S$699) or a Dyson AM07 Tower Fan (worth S$459) or Sony WF-1000XM5 Noise Cancelling Headphones (worth S$429) or S$300 e-Voucher (Redeem from Merchants such as Shopee, Grab) when you provide marketing consent to HSBC & not revoke consent till you have received the gift and spend S$500 by the end of the following calendar month from the card account opening date.
Remember to reply to “ready to secure your reward?” email after you have applied!
- Valid ’til 21 July 2024
- Read Terms and Conditions here
- Promotion is stackable with HSBC Live+ Welcome Offer (T&Cs apply):
- Make at least 1 qualifying transaction with your HSBC Live+ Credit Card by the end of the following month from card approval date to receive S$100 cashback
- Existing cardmembers will receive S$50 cashback (with S$500 min spend)
What You Need to Know
You can get 8% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories. 8% cashback is made up of a usual 5% cashback with an additional 3% bonus cashback on those categories until the end of 2024. There is a minimum spend required monthly of S$600 in each quarter, 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 8% 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
S$30,000 (locals/PRs); S$40,000 (foreigners)
When is Cashback Credited
It will be credited within 2 months, after the end of each calendar quarter.
OCBC 365
Get up to 22.92% fuel savings on Techron® fuels: 18% instant discount + 6% cashback on nett fuel spend.
Receive a Travel Bundle [Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag] (worth S$570.80), or a Dyson AM07 (worth S$459), or S$270 eCapitaVoucher, or S$200 Cash via PayNow + S$50 eCapitaVoucher upon activating and when you spend S$500 within 30 days of card approval.
- Valid ’til 14 August 2024
- Read Terms and Conditions Here
What You Need to Know
- Earn 6% cashback on Petrol and Groceries, 5% cashback on Dining, 3% cashback on Land Transport, Pharmacy, Streaming, and Electric Vehicle Charging. This has a wide array of categories all falling under everyday spending; plus when paired with OCBC 360 account, you can effectively get a double dip on benefits.
- There is a 2 tier of spends: S$800/S$1,600 minimum spend required each month, and cashback is limited to S$80/S$160 cashback cap per statement month.Â
Annual Fee
S$196.20 (incl. 9% GST), first two years waived
Income Requirement
S$30,000 (locals/PRs); S$45,000 (foreigners)
When is Cashback Credited
Cashback awarded will be reflected in the Billing Statement provided on a monthly
basis. Such Cashback will be automatically offset against that month’s billed amount.
Fuel Savings:
CaltexGO Offer:
Get 18% instant discount on Techron fuels with all OCBC credit/ debit cards when you pay with the CaltexGO app.
OCBC 365 Card:
Get 18% instant discount on Techron® fuels + 6% cashback# on nett fuel spend. (Up to 22.92% fuel savings)
Get 16% instant discount on Platinum 98 or 14% instant discount on other grades of petrol and diesel with all OCBC Credit or Debit Cards.
Citi Rewards
Get 17% instant fuel discount on Techron® fuels via CaltexGo. Plus 4 miles per dollar on nett fuel purchase.
Receive a Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or Dyson Micro 1.5kg Vacuum (worth S$599) or S$320 eCapitaVoucher or S$300 cash via PayNow when you spend S$500 within 30 days of card approval to be eligible for rewards
- Valid ’til 31 July 2024
- Read Terms and Conditions here
What You Need to Know
- This card gives a great earn rate of 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 and use the Amaze card instead for offline spending on all categories like shopping, dining, TCM, chiropractors, Google/Tiktok/Facebook Ads
- Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
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
Fuel Savings:
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.
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