Compare the Best Petrol Credit Cards in Singapore 2024

Save up to 21% when you pump petrol at petrol stations like Shell, Esso, SPC and Caltex. Compare petrol credit cards and discounts. Read More
We found 41 Credit Cards for you!
Standard Chartered Simply Cash Credit Card
MoneySmart Exclusive
1.5% UNLIMITED CASHBACK
Fuel Savings at Caltex
Up to 23.7%
Cash Back at all Other Petrol Stations
1.5%
Cash Back Cap per month
Unlimited

Earn 4,250 SmartPoints or up to S$350 Cash via PayNow when you apply and spend a min. of S$1,000 in eligible transactions within 60 days from card approval date! T&Cs apply.
 
Use 4,250 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$189 on top of your earned SmartPoints.

Valid until 30 Jun 2024 - See more details below
Apply Now
UOB One Card
Online Promo
Up to 10% Cashback
Max. Savings at Shell or SPC
Up to 24%
Instant Discount at Shell / SPC
10%/15%
Cash Back at all Other Petrol Stations
Up to 5%
Online Promo:
Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in June 2024 who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.
Valid until 30 Jun 2024 - See more details below
Apply Now
Citi Cash Back Card
MoneySmart Exclusive
FLASH DEAL | Up to 8% Cashback
Promotion ends in
Max. Savings at Esso & Shell
20.88%
Instant Discount at Esso & Shell
14%
Cash Back at all Other Petrol Stations
8%

[FLASH DEAL | FASTER GIFT FULFILMENT]
Earn 5,040 SmartPoints or S$300 Cash via PayNow, in as fast as 5 weeks from meeting the S$500 spend criteria! T&Cs apply.
 
OR get a COMPLIMENTARY GIFT UPGRADE to a ECOVACS DEEBOT T20e OMNI Robot Vacuum Cleaner (worth S$1,199) when you are the first 5 customers to submit the claim form at 2PM & 9PM daily!
 
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$110 on top of your earned SmartPoints.

Valid until 21 Jun 2024 - See more details below
Apply Now
HSBC Visa Platinum Credit Card
MoneySmart Exclusive
Earn up to 5% Cash Rebate | Instant Activation*
Promotion ends in
Fuel Savings at Caltex and Shell
Up to 21.15%
Cash Back at all Other Petrol Stations
Up to 5%
Min. spend monthly in a calendar quarter
S$600

Earn 3,950 SmartPoints or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to end of the following calendar month. T&Cs apply.
 
Use 3,950 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$219 on top of your earned SmartPoints.

Valid until 20 Jun 2024 - See more details below
Apply Now
UOB Absolute Cashback Card
Online Promo
1.7% Unlimited Cashback
Cash Back on Eligible Spend
1.7%
Min. Spend per month
$0
Cash Back Cap
Unlimited
Online Promo:
Get S$350 Cash Credit from UOB when you are the first 200 new-to-UOB credit card customers in June 2024 who successfully apply for an eligible UOB Credit Card and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date. T&Cs apply.
 
Enjoy 10% Cashback on the transactions charged to your Card during your card approval calendar month and the following calendar month. Total bonus cashback is capped at S$100. T&Cs apply.
Valid until 30 Jun 2024 - See more details below
Apply Now
Citi Rewards Card
MoneySmart Exclusive
FLASH DEAL | Earn 10X Points
Max. Savings at Esso & Shell
14%
per S$1 spent at all Other Petrol Stations
1 Point
Rewards Conversion
10X Points = 4 Miles

[FLASH DEAL | FASTER GIFT FULFILMENT]
Earn 5,040 SmartPoints or S$300 Cash via PayNow, in as fast as 5 weeks from meeting the S$500 spend criteria! T&Cs apply.
 
OR get a COMPLIMENTARY GIFT UPGRADE to a ECOVACS DEEBOT T20e OMNI Robot Vacuum Cleaner (worth S$1,199) when you are the first 5 customers to submit the claim form at 2PM & 9PM daily!
 
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$110 on top of your earned SmartPoints.

Valid until 21 Jun 2024 - See more details below
Apply Now
HSBC Visa Infinite Credit Card
Fuel Savings at Caltex and Shell
Up to 21.15%
Local Spend
S$1 = Up to 1.25 Miles
Overseas Spend
S$1 = Up to 2.25 Miles
Apply Now
HSBC Revolution Credit Card
Online Promo
Earn up to 4 miles per S$1 | Instant Activation*
Fuel Savings at Caltex or Shell
Up to 21.15%
on Contactless Payments
S$1 = 10X Points
at all Other Petrol Stations
S$1 = 1x Point
Online Promo:
New Cardholders can get a Samsonite ZELTUS 69cm Spinner Luggage (worth S$680) or S$200 Cashback from HSBC, while Existing Cardholders can get S$50 Cashback when you spend a min. of S$500 in Qualifying Transactions from Card Account Opening Date to the end of the following month AND provide marketing consent in the application form! T&Cs apply.
Valid until 30 Jun 2024 - See more details below
Apply Now
Citi PremierMiles Card
Earn 2 Miles per S$1
Max. Savings at Esso & Shell
14%
Instant Discount at Esso & Shell
14%
on all Other Petrol Stations
S$1 = 1.2 Miles
Read More
Maybank Horizon Visa Signature
Online Promo
on Foreign Currency Spend
S$1 = 7X Points
on Petrol
S$1 = 3X Point
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.4 Miles
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 EXP (worth S$570), or 10,000 Bonus Air Miles*, or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 Cashback 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. T&Cs apply.
Valid until 30 Jun 2024 - See more details below
Apply Now
Maybank World Mastercard
Online Promo
at selected retail, dining merchants and petrol stations
Up to 10X TREATS Points
Fuel Savings
Up to 20.05%
Rewards to Miles Conversion for Selected Airline Partners
10 Point = 4 miles
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 (worth S$570), or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 cashback 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. T&Cs apply.
Valid until 30 Jun 2024 - See more details below
Apply Now
American Express True Cashback Card
MoneySmart Exclusive
Unlimited Cashback
on up to $5,000 spend in the first 6 months for new Card Members.
3.0% Cashback
all subsequent eligible purchases
1.5% Cashback
Cash Back Cap
Unlimited

Get S$130 Cash via PayNow when you apply for an American Express True Cashback Card and spend a min. of S$500 in Qualifying Spends within the first month of card approval! T&Cs apply.

Valid until 30 Jun 2024 - See more details below
Apply Now
OCBC 365 Credit Card
High Spend on Dining
Max. Savings at Caltex or Esso
Up to 22.92%
Instant Discount at Caltex
18%
Cashback at all Other Petrol Stations
6%
Apply Now
DBS Vantage Visa Infinite Card
Online Promo
Miles or Cashback – you decide
Fuel Spending at Esso
Up to 19%
Local Spend
S$1 = 1.5 miles or 1.5% cashback
Overseas Spend
S$1 = 2.2 miles or 2.2% cashback
Online Promo:
Get up to 85,000 miles (for New Cardmembers) or up to 40,000 Miles (Existing Cardmembers) when you sign up and make a min. spend of S$4,000 within 30 days of card approval and payable annual fee required. T&Cs apply.
Valid until 15 Jul 2024 - See more details below
Apply Now
DBS Altitude Visa Signature Card
Online Promo
Earn Miles That Never Expire
Fuel Savings at Esso
Up to 14%
Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 Miles
Online Promo:
Get up to 53,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$3,000 within 60 days from card approval date. T&Cs apply
Valid until 15 Jul 2024 - See more details below
Apply Now
DBS Altitude American Express Card
Online Promo
Earn Miles That Never Expire
Fuel Savings at Esso
Up to 14%
Local Spend
S$1 = 1.3 Miles
Overseas Spend (made in foreign currency)
S$1 = 2.2 miles
Online Promo:
Get up to 60,000 miles when you apply, pay the card's annual fee and charge a min. spend of S$3,000 within 60 days from card approval date. T&Cs apply
Valid until 15 Jul 2024 - See more details below
Apply Now
POSB Everyday Card
Online Promo
Earn Cash Rebates that Never Expire
Fuel Savings at SPC
Up to 20.1%
Cash Rebates at SpeedyCare
2%
Cash Rebate on all other spend
0.3%
Online Promo:
Get S$388 Cashback when you apply and make the min. spend of S$800 within 60 days of card approval. T&Cs apply.
Valid until 15 Jul 2024 - See more details below
Apply Now
UOB Preferred Platinum Visa Card
Fuel Savings at Shell
Up to 14%
Fuel Savings at SPC
Up to 15%
on Contactless Payments
S$5 = 10X UNI$
Read More
Maybank DUO Platinum Mastercard
Online Promo
Cashback on petrol spend in Singapore and Malaysia
5%
on all local spend excluding petrol
S$1 = 1 Point
Cashback cap
Unlimited
Online Promo:
Receive a Samsonite ENOW SPINNER 69/25 (worth S$570), or an Apple AirPods (3rd generation) with Lightning Charging Case, or S$200 cashback 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. T&Cs apply.
Valid until 30 Jun 2024 - See more details below
Apply Now
OCBC Great Eastern Cashflo Credit Card
Savings at Esso
14%
Onsite Discount at Caltex
16%
Min. Spend per month
S$0
Read More

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Credit Card in Singapore 2024

Credit CardBest ForReward Type
Citi Cash Back CardSavings on dining, grocery and grab spendingsCashback
Citi PremierMiles CardEarning bonus miles that do not expireMiles
American Express Singapore Airlines KrisFlyer Ascend Credit CardConvenience and perks for frequent flyersMiles
Standard Chartered Simply Cash Credit CardUnlimited cashback with Ez-link capabilitiesCashback
UOB One CardCard and Savings Account BundleCashback
DBS Live Fresh CardHighest cashback on any contactless paymentCashback
HSBC Advance Credit CardNewlyweds and married couplesCashback
American Express The Platinum Card®High Net-worth IndividualsReward Points
UOB EVOL Credit CardDining and EntertainmentCashback
Standard Chartered Smart Credit CardNetflix, Spotify, fast food dining and public transportCashback

With SmartRewards, you can earn SmartPoints and choose any gift from our Rewards store.

What you can get using Smartpoints

Compare Credit Cards for Everyday Use

When comparing the best credit cards for rewards, it is often a good choice to combine multiple credit cards each specializing in a particular spending type or card feature that best suits your lifestyle. Avoid paring Miles credit cards with Cashback credit cards since these reward types are incompatible. Points credit cards, on the other hand, are more flexible as they can be used to either get cash rebates on specific merchants or convert points into miles to redeem free flight tickets.

Air Miles

Miles Credit Cards

  1. Citi PremierMiles Card: Use for online hotel and flight bookings
  2. UOB PRVI Miles Card: Use for general local spend
  3. American Express Singapore Airlines KrisFlyer Card: Use for earning KrisFlyer miles

Cashback

Cashback Credit Cards

  1. Citi Cash Back Card: Use for grocery shopping worldwide
  2. Standard Chartered Simply Cash Credit Card : Use for unlimited cashback
  3. OCBC 365 Credit Card: Use for spending on everyday dining

Reward Points

Reward Points Credit Cards

  1. Citi Rewards Card: Use for retail shopping to earn extra miles
  2. American Express CapitaCard: Use for shopping at CapitaLand Malls to earn cash rebates
  3. DBS Woman's World Card: Use for free gym memberships

The Ultimate List of Credit Card Reviews in Singapore

Delve into the intricacies of credit card offerings, dissecting features, fees, rewards, and everything in between. We’ve done the dirty work so you don’t have to.

Visa Card vs Mastercard vs American Express

At some point in your life, you’ll probably wonder if there’s a difference between a Visa card and Mastercard (and maybe American Express). Visa, Mastercard and Amex are the 3 big global payment networks. This means they handle all the technical back-end stuff that makes it possible to pay with your credit card anywhere in the world. Visa and Mastercard are extremely widely accepted worldwide, both online and offline. Both payment networks are easy and secure to use. Visa has a slight edge in terms of acceptance, but really, you’ll be fine with either. American Express is a bit less widely accepted globally. It’s in 140 countries compared to Visa and Mastercard’s 200+. However, many people still love using Amex because they have an excellent reputation for customer care. Whichever payment network you choose, you can get a credit card from a bank like DBS or UOB. Note that American Express also issues its own credit cards, even though it’s not a bank.

Minimum Balance Payment for Credit Cards

Is paying the minimum balance bad?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)!

Does paying only minimum balance affect credit score?

Yes, If you plan to apply for any kind of credit or loan (such as a housing loan or car loan) in the future, be aware that any “bad behaviour” with your credit card can come back to haunt you in the form of a bad credit score.

Which Credit Card is the Best in Singapore?

With so many credit cards in Singapore to choose from, it can be difficult to narrow down the best credit cards to suit your lifestyle. Unfortunately, there’s no single best credit card in Singapore. You’ll have to choose the best one for you. Here’s how:

Find a card that fits your spending habits

Think about your current lifestyle and spending habits. What are the things you spend the most money on? For example, if you’re a real foodie and love checking out new restaurants around town, then it makes sense to get a card with rewards points for dining out and useful perks like 1-for-1 buffet promotions.

Plan how to use your credit card benefits

Credit cards come with a whole bunch of benefits, so think about which benefits you actually want to use. Do you want to collect air miles and fund your upcoming travels? Or accumulate points for shopping vouchers? Or would you rather enjoy cash rebates? This is a deeply personal matter - only you can decide how you prefer to be rewarded. Make use of the ongoing credit card promotions to enjoy the full benefits of the card rewards on top of the promotion offer.

Check the Terms & Conditions

Now that you’ve got a shortlist of credit cards, it’s time to dig deeper into the details of the rewards or air miles programmes. Find out all you can about terms and conditions like expiry dates, exclusions, minimum spend, credit limit, etc. Be sure to ask a bank rep to clarify if you don’t see answers anywhere.

Annual Fees are NOT the Only Credit Card Fee!

Annual fees aren’t the only type of credit card charges you might be paying. Many of these other common fees will impact the benefits you earn, so be mindful of them and actively monitor your spend.

Foreign Transaction Fees

This is a fee imposed on overseas spending - whether it’s while you’re traveling or even when making an online purchase on a foreign website. This is usually 2.5% to 3% on top of the prevailing foreign exchange rate.

Cash Advance Fees

Some credit cards allow you to withdraw cash from ATMs, using your credit line. Be prepared to fork out up to 6% of the transaction amount, plus 2%+ daily charges on unpaid withdrawn balance.

Balance Transfer Fees

Charged when you move a balance from one card to another, usually 2% to 4% of the amount transferred.

Frequently Asked Questions

How do credit cards work?

A credit card is basically a way to borrow money from a bank to make purchases. Unlike a bank loan, a credit card “loans” money in smaller amounts and on a short-term basis, requiring you to pay the bank back monthly (or be subject to unpleasant penalties and interest fees). The biggest payment networks are MasterCard, VISA and American Express, but do note that merchants may not accept all types.

How do I apply for a credit card?

Simply fill out an application online or at a bank branch and submit the required documents such as proof of income. After approval, the bank will inform you about how much you are allowed to borrow and mail you your new credit card. You’ll need to activate the credit card as well as sign on the back.

What’s the difference between debit cards and credit cards?

Unlike credit cards, debit cards do not involve any borrowing. They are linked to your bank account, so purchases made on your debit card are paid for by deducting straight from your funds. You must have sufficient funds on hand to use your debit card. If you have a credit card, you can borrow the money for the time being and pay it back later.

How to prevent credit card fraud?

There’s no sure-fire way to prevent credit card fraud, so unfortunately holding a credit card also means being vigilant about making sure it doesn’t end up in the wrong hands. Make use of credit card alerts, monitor your transactions closely, be wary of phishing scams and don’t make it easy for others to get hold of your credit card information.

What should I do with my credit card statement?

It might not be the most fun thing to read, but it IS super important to understand your credit card statement. So don’t throw it away without checking it. Of course, after reading the statement you will have to pay your bill – typically through online banking, though some people use ATMs, SAMs, AXS machines or go to the bank in person.

What if I only make the minimum payment on my bill?

Because credit cards are effectively short-term loans, you are meant to pay off your bills in full every month. If you make only the minimum payment each month, you may accrue huge additional costs on top of your bill due to the credit card’s interest rate (typically 24%+)

What are the hidden credit cards benefits?

Did you know? Credit cards benefits include travel insurance coverage and rental car insurance and many other perks such as access to airport lounges however these benefits can vary depending on the credit card issuer and card type. If you are looking for the best car insurance quotes, our specialists will find it for you!

What are SmartPoints?

SmartPoints is MoneySmart’s reward currency. Earn SmartPoints when you apply for financial products through MoneySmart or when you complete actions on MoneySmart. SmartPoints will be credited to your wallet where eligible. You can then use the SmartPoints in your wallet to redeem gifts from the Rewards Store or even convert them to cash.

What can I use SmartPoints for?

SmartPoints can be used to redeem gifts from the Rewards Store or even convert them to cash.