Best credit card for gas and travel

• 5 miles per S$1 spend on online flight & hotel transactions and overseas spend, miles earned through this card will never expire.
• Promotions: None currently available
• Read Our Full Review

• Up to 15% fuel savings at SPC (until March 31, 2022)
• Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
• Alternative: 10,000 bonus miles w/ payment of annual fee
• 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
• Miles earned never expire
• Free travel insurance, 2x lounge visits, golfing & dining privileges
• DBS My Preferred Payment Plan (0% interest instalments)

DBS Altitude Visa Card is a great option for average and above average spenders seeking miles and affordable travel perks, especially because it offers a fee-waiver. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas and 3 for online travel booking, and miles never expire. Furthermore, cardmembers receive fuel savings up to 14% with Esso. In terms of perks, cardholders enjoy 2 free lounge visits/year, free travel insurance and golfing privileges, which is fairly generous considering the low annual fee of just S$192.6. Travel cards with similar benefits often have annual fees of S$400+. Even better, cardholders can avoid the fee altogether with just S$25,000 annual spend. Ultimately, DBS Altitude Card is a great option for affordable & accessible travel perks typically associated with more expensive travel credit cards.

• Stand-Out: 5 miles per S$1 spend on online flight & hotel transactions and overseas spend, miles earned through this card will never expire.
• Up to 15% fuel savings at SPC (until March 31, 2022)
• Promotions:
• None currently available
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
• Alternative: 10,000 bonus miles w/ payment of annual fee
• 1.2 miles per S$1 locally, 2 miles overseas, 3 miles for online travel bookings
• Miles earned never expire
• Free travel insurance, 2x lounge visits, golfing & dining privileges
• DBS My Preferred Payment Plan (0% interest instalments)

DBS Altitude Visa Card is a great option for average and above average spenders seeking miles and affordable travel perks, especially because it offers a fee-waiver. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas and 3 for online travel booking, and miles earned never expire. Furthermore, cardmembers receive fuel savings up to 14% with Esso.

In terms of perks, cardholders enjoy 2 free lounge visits/year, free travel insurance and golfing privileges, which is fairly generous considering the low annual fee of just S$192.6. Travel cards with similar benefits often have annual fees of S$400+. Even better, cardholders can avoid the fee altogether with just S$25,000 annual spend. Ultimately, DBS Altitude Card is a great option for affordable & accessible travel perks typically associated with more expensive travel credit cards.

• Earn 2mi/S$1 overseas, 2 free lounge visits/yr
• Promotions:
• Read Our Full Review

• Up to 14% fuel savings at Esso & Shell
• Annual fee: S$192.6, 1-year waiver
• 10,000 bonus annual renewal miles (worth S$100)
• 1.2 miles per S$1 local spend, 2 miles overseas
• Miles earned never expire
• 2 free lounge visits & free travel insurance

Citi PremierMiles Visa Card is an excellent travel credit card if you’re looking for affordable miles, paired with the bonuses and perks that typically come with pricier cards. Cardholders earn a respectable 1.2 miles per S$1 locally and 2 miles overseas, but also receive up to 45,000 welcome miles (worth S$450) and 10,000 annual renewal miles (worth S$100). These bonuses easily offset the already reasonable S$192.6 fee, which is already waived 1 year. If that weren’t enough, Citi PMV Card also comes with perks associated with much pricier travel cards, including 2 free lounge visits/year, worldwide. Cardholders also receive free travel insurance, plus fuel savings up to 14% at Esso & Shell, with no minimum spend requirement. If you’re interested in enjoying such perks and bonuses without paying a substantial fee, Citi PMV Card is the best option for you.

• Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
• Up to 14% fuel savings at Esso & Shell
• Promotions:
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• 10,000 bonus annual renewal miles (worth S$100)
• 1.2 miles per S$1 local spend, 2 miles overseas
• Miles earned never expire
• 2 free lounge visits & free travel insurance

Citi PremierMiles Visa Card is an excellent travel credit card if you’re looking for affordable miles, paired with the bonuses and perks that typically come with pricier cards. Cardholders earn a respectable 1.2 miles per S$1 locally and 2 miles overseas, but also receive up to 45,000 welcome miles (worth S$450) and 10,000 annual renewal miles (worth S$100). These bonuses easily offset the already reasonable S$192.6 fee, which is already waived 1 year. If that weren’t enough, Citi PMV Card also comes with perks associated with much pricier travel cards, including 2 free lounge visits/year, worldwide. Cardholders also receive free travel insurance, plus fuel savings up to 14% at Esso & Shell, with no minimum spend requirement. If you’re interested in enjoying such perks and bonuses without paying a substantial fee, Citi PMV Card is the best option for you.

• Boosted everyday miles w/ SIA perks & privileges
• Promotions:
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
• 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
• 1.2 mi/S$1 on general spend
• 10,000 annual renewal miles
• Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more

KrisFlyer UOB Card is the absolute best credit card on the market for SIA loyalists–particularly for younger flyers who travel on a budget. Cardholders earn a competitive 3 miles per S$1 spend with SIA brands like SIA, Scoot, SilkAir & KrisShop, plus 1.2 miles per S$1 on general local and overseas transactions. This base rate is elevated to an incredible 3 miles per S$1 on dining, transport, online shopping & travel bookings for those who spend at least S$500/year with SIA. Essentially, airline loyalty fuels rapid miles accrual. Given the eligible categories, KF UOB Card is especially great for millennials who take a few trips per year with SIA. KF UOB Card also offers perks that are well-suited to economical travellers. Cardholders enjoy privileges with Scoot–SIA's budget airline–such as booking flexibility waivers, complimentary baggage allowance upgrades, priority check-in & boarding, and free standard seat collection. Other perks include a S$20 rebate with a S$100 nett KrisShop transaction and S$15 vouchers for ChangiWiFi and for Grab rides to and from Changi Airport. While KF UOB Card does not offer many luxury perks, it does fast-track cardholders spending S$5k/year with SIA to KF Elite Silver Status. Cardholders also receive 10,000 annual renewal miles (worth about S$100), which deftly offsets the S$192.6 annual fee. Overall, KrisFlyer UOB Card is a great match for young SIA loyalists looking for practical, affordable perks.

• Stand-Out: Boosted everyday miles w/ SIA perks & privileges
• Promotions:
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
• 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
• 1.2 mi/S$1 on general spend
• 10,000 annual renewal miles
• Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more

KrisFlyer UOB Card is the absolute best credit card on the market for SIA loyalists–particularly for younger flyers who travel on a budget. Cardholders earn a competitive 3 miles per S$1 spend with SIA brands like SIA, Scoot, SilkAir & KrisShop, plus 1.2 miles per S$1 on general local and overseas transactions. This base rate is elevated to an incredible 3 miles per S$1 on dining, transport, online shopping & travel bookings for those who spend at least S$500/year with SIA. Essentially, airline loyalty fuels rapid miles accrual. Given the eligible categories, KF UOB Card is especially great for millennials who take a few trips per year with SIA. KF UOB Card also offers perks that are well-suited to economical travellers. Cardholders enjoy privileges with Scoot–SIA's budget airline–such as booking flexibility waivers, complimentary baggage allowance upgrades, priority check-in & boarding, and free standard seat collection. Other perks include a S$20 rebate with a S$100 net KrisShop transaction and S$15 vouchers for ChangiWiFi and for Grab rides to and from Changi Airport. While KF UOB Card does not offer many luxury perks, it does fast-track cardholders spending S$5k/year with SIA to KF Elite Silver Status. Cardholders also receive 10,000 annual renewal miles (worth about S$100), which deftly offsets the S$192.6 annual fee. Overall, KrisFlyer UOB Card is a great match for young SIA loyalists looking for practical, affordable perks.

• Up to 10% rebate on all spend, S$300/quarter
• Promotions:
• Read Our Full Review

• Up to 22.66% fuel savings at SPC, 21.15% at Shell
• Annual fee: S$192.6, 1-year waiver
• 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
• Up to 10% on Grab & select UOB travel, 6% on utilities bills
• 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
• 3.33% rebate, up to S$50/quarter (S$500 min spend)
• UOB SMART$ Rebate Programme

If you’re looking for straightforward cashback on all of your spend, UOB One Card is the best option on the market. Cardholders who consistently spend S$2,000/month earn a 5% general rebate, up to S$300/quarter. This rate is further boosted to 6% on utilities bills and 10% on Grab and select UOB Travel spend. Those spending S$500 or S$1,000/month earn 3.33% rebates, up to S$50 or S$100/quarter, respectively. This is slightly less competitive. Nonetheless, UOB One Card also stands out for ‘double’ deals through the UOB SMART$ Programme. Spend with select merchants counts both towards reaching monthly minimums and earning SMART$ (1 SMART$ equals S$1), which offset future purchases. Eligible merchants from all kinds of categories are included, ranging from Cathay Cineplexes and Guardian to United Overseas Insurance Ltd, Cold Storage and more. Ultimately, UOB One Card is the best option for flat rebates on all spend if you have a stable budget of at least S$2,000/month.

• Stand-Out: Up to 10% rebate on all spend, S$300/quarter
• Up to 22.66% fuel savings at SPC, 21.15% at Shell
• Promotions:
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
• Up to 10% on Grab & select UOB travel, 6% on utilities bills
• 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
• 3.33% rebate, up to S$50/quarter (S$500 min spend)
• UOB SMART$ Rebate Programme

If you’re looking for straightforward cashback on all of your spend, UOB One Card is the best option on the market. Cardholders who consistently spend S$2,000/month earn a 5% general rebate, up to S$300/quarter. This rate is further boosted to 6% on utilities bills and 10% on Grab and select UOB Travel spend. Those spending S$500 or S$1,000/month earn 3.33% rebates, up to S$50 or S$100/quarter, respectively. This is slightly less competitive. Nonetheless, UOB One Card also stands out for ‘double’ deals through the UOB SMART$ Programme. Spend with select merchants counts both towards reaching monthly minimums and earning SMART$ (1 SMART$ equals S$1), which offset future purchases. Eligible merchants from all kinds of categories are included, ranging from Cathay Cineplexes and Guardian to United Overseas Insurance Ltd, Cold Storage and more. Ultimately, UOB One Card is the best option for flat rebates on all spend if you have a stable budget of at least S$2,000/month.

• Up to 8% cashback on groceries & petrol, 6% on dining
• Promotions: Receive Dyson Supersonic (worth S$649) / Sony WH-1000XM5 (worth S$569) / AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) / S$400 Cash via PayNow
• No promotion for existing card members
• Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period
• Promotion period: 1 - 8 November 2022
• Read Our Full Review

• Up to 20.88% fuel savings at Esso & Shell Annual fee: S$192.6, 1-year waiver
• 8% cashback on dining, grocery, & petrol (any station)
• Up to 20.88% fuel savings at Esso & Shell

Citi Cash Back Card offers some of the best petrol savings if you’re interested in a credit card that rewards food & petrol. In terms of cashback, cardholders earn 8% on dining, groceries, and petrol at any station after S$800 minimum spend, up to S$80/month. This is a quite high earning potential compared to market standards. Cardholders also earn up to 20.88% fuel savings with Esso & Shell and 8% at other stations worldwide, assuming the S$800 minimum is met. This is one of the highest global rates on the market, allowing you to enjoy great discounts no matter where you are. It’s worth noting that the 8% cashback on petrol is capped at S$25 earnings/month, reached after S$312.5 petrol spend–however, the average person spends closer to S$240/month, and would be unaffected. Ultimately, Citi Cash Back Card is a great option for food and transport spend, including petrol savings.

• Stand-Out: Up to 8% cashback on groceries & petrol, 6% on dining
• Up to 20.88% fuel savings at Esso & Shell
• Promotions: Receive Dyson Supersonic (worth S$649) / Sony WH-1000XM5 (worth S$569) / AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) / S$400 Cash via PayNow
• No promotion for existing card members
• Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period
• Promotion period: 1 - 8 November 2022
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• 8% cashback on dining, grocery, & petrol (any station)
• Up to 20.88% fuel savings at Esso & Shell

Citi Cash Back Card offers some of the best petrol savings if you’re interested in a credit card that rewards food & petrol. In terms of cashback, cardholders earn 8% on dining, groceries, and petrol at any station after S$800 minimum spend, up to S$80/month. This is a quite high earning potential compared to market standards. Cardholders also earn up to 20.88% fuel savings with Esso & Shell and 8% at other stations worldwide, assuming the S$800 minimum is met. This is one of the highest global rates on the market, allowing you to enjoy great discounts no matter where you are. It’s worth noting that the 8% cashback on petrol is capped at S$25 earnings/month, reached after S$312.5 petrol spend–however, the average person spends closer to S$240/month, and would be unaffected. Ultimately, Citi Cash Back Card is a great option for food and transport spend, including petrol savings.

• Best for rebates in SG w/ S$800 min. spend
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 20.1% + 2% fuel savings at SPC
• Annual fee: S$192.6, 1-year waiver
• 10% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
• 3% rebate on personal care at Watsons
• 1% rebate on recurring bills with select merchants (capped at S$1/month)
• SimplyGo/ABT capabilities for public transit fares

POSB Everyday Card is a great all-in-one rebate credit card for families, and also offers respectable petrol savings. Cardholders earn top rates on essentials, with up to 10% cashback on online food delivery, dining, groceries, transport, personal care and even recurring bills. Cardholders also receive up to 21.8% fuel savings at SPC. Finally, POSB Everyday Card is especially convenient as its ABT capabilities allow for contactless payment of public transit fares. Overall, consumers can enjoy the convenience of POSB Everyday Card in earning on daily spend, while also receiving great petrol savings.

• Stand-Out: Best for rebates in SG w/ S$800 min. spend
• Up to 20.1% + 2% fuel savings at SPC
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
• 3% rebate on personal care at Watsons
• 1% rebate on recurring bills with select merchants (capped at S$1/month)
• SimplyGo/ABT capabilities for public transit fares

POSB Everyday Card is a great all-in-one rebate credit card for families, and also offers respectable petrol savings. Cardholders earn top rates on essentials, with up to 10% cashback on online food delivery, dining, groceries, transport, personal care and even recurring bills. Cardholders also receive up to 21.8% fuel savings at SPC. Finally, POSB Everyday Card is especially convenient as its ABT capabilities allow for contactless payment of public transit fares. Overall, consumers can enjoy the convenience of POSB Everyday Card in earning on daily spend, while also receiving great petrol savings.

• 5% everyday rebates w/S$500 min spend
• Promotions: None currently available
• Read Our Full Review

• Up to 20.88% fuel savings at Esso & Shell
• Annual fee: S$192.6, 2-year waiver
• Up to 5% rebate on groceries, 5% on fast food, movies & coffee
• 3% online shopping, 2% on health & wellness
• EZ-Reload functionality with 2% rebate on Auto Top-Ups
• SimplyGo/ABT compatible

Young professionals with modest budgets can rapidly earn rebates with no minimum spend requirement, with Citi SMRT Card. Cardholders earn up to 5% cashback with select merchants on groceries. Cardholders even enjoy 5% rebates on Auto Top-Ups, and the card is EZ-Link compatible. If you have your own car and are interested in more than commuter benefits, Citi SMRT Card also offers great petrol discounts. Cardholders receive up to 14% fuel savings with Esso & Shell, without having to reach a minimum spend level or pay a certain amount per transaction. This is especially beneficial to those with lower budgets, or who buy petrol less frequently. Overall, Citi SMRT Card is a great match for lower spenders looking for easy rewards on everyday spend without having to hit a high minimum.

• Stand-Out: 5% everyday rebates w/S$500 min spend
• Up to 20.88% fuel savings at Esso & Shell
• Promotions: None currently available
• Read Our Full Review

• Annual fee: S$192.6, 2-year waiver
• Up to 5% rebate on groceries
• 5% online shopping
• EZ-Reload functionality with 5% rebate on Auto Top-Ups
• SimplyGo/ABT compatible

Young professionals with modest budgets can rapidly earn rebates with no minimum spend requirement, with Citi SMRT Card. Cardholders earn up to 5% cashback with select merchants on groceries. Cardholders even enjoy 5% rebates on Auto Top-Ups, and the card is EZ-Link compatible. If you have your own car and are interested in more than commuter benefits, Citi SMRT Card also offers great petrol discounts. Cardholders receive up to 14% fuel savings with Esso & Shell, without having to reach a minimum spend level or pay a certain amount per transaction. This is especially beneficial to those with lower budgets, or who buy petrol less frequently. Overall, Citi SMRT Card is a great match for lower spenders looking for easy rewards on everyday spend without having to hit a high minimum.

• High travel & dining cashback plus exclusive travel deals
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 22.1% savings at Caltex, 20.2% at Esso, 26.8% at Sinopec and 5% cashback at all other petrol stations
• Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
• 6% rebate on dining & online food delivery
• 3% rebate on groceries, land transport, recurring bills & online travel
• Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
• Free travel insurance, Visa Signature Privileges

OCBC 365 Card is the absolute best everyday credit card on the market because of its great rates for essentials, lack of merchant restrictions, and easy fee-waiver–features not offered by competitors. Cardholders enjoy 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bills & recurring bills. Its top competitor offers just 1% rebate for bill pay, capped at S$1/month. OCBC 365 Card also offers excellent petrol savings. Cardholders earn up to 24% fuel savings with Sinopec, 23% with Caltex, 20.4% with Esso, and 5% at all other stations in Singapore. Not only are these rates quite high, they also offer cardholders great flexibility. As a result, OCBC 365 Card is one of the best cards for petrol savings on the market. In order to access these rates, consumers must spend S$800/month. While this may seem high, it’s on par with–or less than–several alternatives. In addition, spending about S$833/month (S$10,000/year) earns a fee-waiver. If you’re spending for your family or household, or simply have a higher spend volume, OCBC 365 Card is the best option to maximise rewards from your daily essentials.

• Stand-Out: High travel & dining cashback plus exclusive travel deals
• Up to 22.1% savings at Caltex, 20.2% at Esso, 26.8% at Sinopec and 5% cashback at all other petrol stations
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
• 6% rebate on dining & online food delivery
• 3% rebate on groceries, land transport, recurring bills & online travel
• Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
• Free travel insurance, Visa Signature Privileges

OCBC 365 Card is the absolute best everyday credit card on the market because of its great rates for essentials, lack of merchant restrictions, and easy fee-waiver–features not offered by competitors. Cardholders enjoy 6% rebate on dining & online food delivery and 3% on groceries, land transport, travel bills & recurring bills. Its top competitor offers just 1% rebate for bill pay, capped at S$1/month. OCBC 365 Card also offers excellent petrol savings. Cardholders earn up to 24% fuel savings with Sinopec, 23% with Caltex, 20.4% with Esso, and 5% at all other stations in Singapore. Not only are these rates quite high, they also offer cardholders great flexibility. As a result, OCBC 365 Card is one of the best cards for petrol savings on the market. In order to access these rates, consumers must spend S$800/month. While this may seem high, it’s on par with–or less than–several alternatives. In addition, spending about S$833/month (S$10,000/year) earns a fee-waiver. If you’re spending for your family or household, or simply have a higher spend volume, OCBC 365 Card is the best option to maximise rewards from your daily essentials.

• Up to 4mi/SGD for contactless payment
• Promotions: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
• Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
• Read Our Full Review

• Up to 16% fuel savings at Caltex, 14% at Shell
• Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
• 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
• Online rate includes travel bookings, recurring bills & transit payments
• No minimum spend requirement

If you’re a local social spender and want to earn no-fee miles, look no further than HSBC Revolution Card. Cardholders earn 2 miles per S$1 local spend on dining, entertainment, and even on online spend–including bills and insurance premiums, which are typically excluded from earning rewards. Even more, there’s no minimum spend requirement or earning caps, which sets HSBC Revolution Card apart from cashback alternatives. Another perk of HSBC Revolution Card is that cardholders receive up to 16% fuel savings with Caltex, assuming outdoor fuel payment (14% if indoor), and 14% with Shell. Paired with its dining and entertainment rebates, this makes HSBC Revolution one of the best cards for earning miles locally. Even better, cardholders can avoid the S$160.5 fee with just S$12,500 annual spend (about S$1,042/month). This allows lower spenders to easily earn no-fee miles while enjoying great petrol savings.

• Stand-Out: Up to 4mi/SGD for contactless payment
• Up to 16% fuel savings at Caltex, 14% at Shell
• Promotions: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
• Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
• Read Our Full Review

• Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
• 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
• Online rate includes travel bookings, recurring bills & transit payments
• No minimum spend requirement

If you’re a local social spender and want to earn no-fee miles, look no further than HSBC Revolution Card. Cardholders earn 2 miles per S$1 local spend on dining, entertainment, and even on online spend–including bills and insurance premiums, which are typically excluded from earning rewards. Even more, there’s no minimum spend requirement or earning caps, which sets HSBC Revolution Card apart from cashback alternatives. Another perk of HSBC Revolution Card is that cardholders receive up to 16% fuel savings with Caltex, assuming outdoor fuel payment (14% if indoor), and 14% with Shell. Paired with its dining and entertainment rebates, this makes HSBC Revolution one of the best cards for earning miles locally. Even better, cardholders can avoid the S$160.5 fee with just S$12,500 annual spend (about S$1,042/month). This allows lower spenders to easily earn no-fee miles while enjoying great petrol savings.

• Rebates on local food & petrol, miles for general spend
• Promotions: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
• Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
• Read Our Full Review

• Up to 20.2% fuel savings at Caltex, 18.3% at Shell
• Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
• 5% cashback on local dining, groceries & petrol (up to S$250/quarter)
• 0.4 miles per S$1 general spend, unlimited

HSBC Visa Platinum Card is very distinct in offering both miles and cashback rewards, but it also stands out for its petrol savings and potential fee-waiver. Cardholders receive 5% rebate on local dining & groceries after S$600 minimum spend, plus 0.4 miles per S$1 on all general spend, with no minimum requirement. Cardholders also earn up to 20.2% fuel savings at Caltex and 18.3% at Shell, assuming they consistently reach the S$600 minimum requirement. Below this spend level, cardholders can still earn 16% fuel savings at Caltex & 15% at Shell. It’s important to note that in order to access the 5% rebate–and higher discounts on petrol–cardholders must spend S$600/month every month for an entire quarter (3 months each). Cardholders can earn up to S$250/quarter from this rebate (miles earned are unlimited), which is fairly generous. Finally, the S$180.0 fee is waived with S$12,500 annual spend, or about S$1,042/month. Consumers interested in no-fee miles and cashback rewards, who buy most of their food locally, are a great match for HSBC Visa Platinum Card.

• Stand-Out: Rebates on local food & petrol, miles for general spend
• Up to 20.2% fuel savings at Caltex, 18.3% at Shell
• Promotions: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
• Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
• Read Our Full Review

• Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
• 5% cashback on local dining, groceries & petrol (up to S$250/quarter)
• 0.4 miles per S$1 general spend, unlimited

HSBC Visa Platinum Card is very distinct in offering both miles and cashback rewards, but it also stands out for its petrol savings and potential fee-waiver. Cardholders receive 5% rebate on local dining & groceries after S$600 minimum spend, plus 0.4 miles per S$1 on all general spend, with no minimum requirement. Cardholders also earn up to 20.2% fuel savings at Caltex and 18.3% at Shell, assuming they consistently reach the S$600 minimum requirement. Below this spend level, cardholders can still earn 16% fuel savings at Caltex & 15% at Shell. It’s important to note that in order to access the 5% rebate–and higher discounts on petrol–cardholders must spend S$600/month every month for an entire quarter (3 months each). Cardholders can earn up to S$250/quarter from this rebate (miles earned are unlimited), which is fairly generous. Finally, the S$180.0 fee is waived with S$12,500 annual spend, or about S$1,042/month. Consumers interested in no-fee miles and cashback rewards, who buy most of their food locally, are a great match for HSBC Visa Platinum Card.

• Up to S$125/mo with just S$800/mo spend
• Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
• Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
• Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
• Read Our Full Review

• Up to 8% cashback on transport and petrol in Singapore and Malaysia
• Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
• Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
• 0.3% rebate all other spend

If you frequently spend in both Singapore & Malaysia and want to avoid a high minimum requirement, Maybank Family & Friends Card is an exceptional option. Cardholders spending as little as S$500/month can earn 5% rebate in both countries on fast food & food delivery, groceries, transport, petrol & data communications/online TV streaming. A higher spend of S$800/month earns 8% rebate, up to an impressive S$80/month. These are some of the highest rates for both average and lower spenders on the market. In terms of petrol, cardholders who qualify for the 8% rebate can earn up to 20.88% fuel savings with merchant partners in Singapore. Those who only qualify for the 5% rebate can still earn up to 18.3% fuel savings, and those who may not reach the S$500/month minimum can still earn 14.3% savings–which is higher than that offered by some competitors. Another feature that makes Maybank Family & Friends Card a great option for lower spenders is its easy fee-waiver. Cardholders are exempt from the S$180.0 fee with just S$12,000 annual spend (S$1,000/month). At this rate, cardholders would both receive the waiver and earn the 8% rebate. Overall, Maybank Family & Friends Card is therefore an excellent option for lower spenders who want to maximise rebates and discounts.

• Stand-Out: Up to S$125/mo with just S$800/mo spend
• Up to 8% cashback on transport and petrol in Singapore and Malaysia
• Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
• Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
• Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
• Read Our Full Review

• Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
• Up to 8% rebate on fast food & food delivery, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
• 0.3% rebate all other spend

If you frequently spend in both Singapore & Malaysia and want to avoid a high minimum requirement, Maybank Family & Friends Card is an exceptional option. Cardholders spending as little as S$500/month can earn 5% rebate in both countries on fast food & food delivery, groceries, transport, petrol & data communications/online TV streaming. A higher spend of S$800/month earns 8% rebate, up to an impressive S$80/month. These are some of the highest rates for both average and lower spenders on the market. In terms of petrol, cardholders who qualify for the 8% rebate can earn up to 20.88% fuel savings with merchant partners in Singapore. Those who only qualify for the 5% rebate can still earn up to 18.3% fuel savings, and those who may not reach the S$500/month minimum can still earn 14.3% savings–which is higher than that offered by some competitors. Another feature that makes Maybank Family & Friends Card a great option for lower spenders is its easy fee-waiver. Cardholders are exempt from the S$180.0 fee with just S$12,000 annual spend (S$1,000/month). At this rate, cardholders would both receive the waiver and earn the 8% rebate. Overall, Maybank Family & Friends Card is therefore an excellent option for lower spenders who want to maximise rebates and discounts.

• Market-leading 3.2 mi/S$1 local dining & transport spend
• Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
• Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
• Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
• Read Our Full Review

• Enjoy up to 3.2 Air Miles (8X TREATS Points) with every dollar spent
• Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
• 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
• 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
• Up to 17.2% fuel savings on petrol in Singapore
• Access to airport lounges & free travel insurance

If you’re a primarily local spender who wants to earn miles both at home and abroad, Maybank Horizon Visa Signature Card is the best option for you. Cardholders earn at a higher local rate than available with any traditional travel card–3.2 miles per S$1 on local dining, taxis and Grab, hotel bookings with Agoda, and petrol. Paired with partner discounts, cardholders can earn up to 14% fuel savings on petrol in Singapore. Cardholders also earn a respectable 2 miles per S$1 on air tickets, travel packages and overseas spend. Maybank Horizon Card is especially attractive because it’s one of the few miles-earning cards that offers a fee-waiver. Cardholders are exempt from the S$180.0 fee the first 3 years, and subsequently, with S$18,000 annual spend. Travel cards that do have fee waivers typically require a spend threshold of S$25,000–S$50,000. Overall, Maybank Horizon Card offers average and lower spenders the best way to earn miles for local spend while also avoiding an annual fee.

• Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
• Enjoy up to 3.2 Air Miles (8X TREATS Points) with every dollar spent
• Promotions: Get Samsonite Harts 68/25 Spinner worth S$550 when you apply for a new Maybank Credit Card and CreditAble and spend a min. of S$300 for each of the first two consecutive months upon approval (Limited to the first 4,500 approved applicants)
• Foreigners are eligible for this promotion: Apply for a new Maybank Credit Card an charge a min. of S$350 for each of the first two consequtive months upon approval
• Subsequent approved applicants will receive S$100 Cash Credit. Terms and Conditions apply
• Read Our Full Review

• Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
• 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
• 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
• Up to 17.2% fuel savings on petrol in Singapore
• Access to airport lounges & free travel insurance

If you’re a primarily local spender who wants to earn miles both at home and abroad, Maybank Horizon Visa Signature Card is the best option for you. Cardholders earn at a higher local rate than available with any traditional travel card–3.2 miles per S$1 on local dining, taxis and Grab, hotel bookings with Agoda, and petrol. Paired with partner discounts, cardholders can earn up to 14% fuel savings on petrol in Singapore. Cardholders also earn a respectable 2 miles per S$1 on air tickets, travel packages and overseas spend. Maybank Horizon Card is especially attractive because it’s one of the few miles-earning cards that offers a fee-waiver. Cardholders are exempt from the S$180.0 fee the first 3 years, and subsequently, with S$18,000 annual spend. Travel cards that do have fee waivers typically require a spend threshold of S$25,000–S$50,000. Overall, Maybank Horizon Card offers average and lower spenders the best way to earn miles for local spend while also avoiding an annual fee.

• Earn rewards for SIA spend, no transfer fees or processing times
• Promotions: Receive up to 17,000 KrisFlyer Miles
• 10,900 KrisFlyer Miles (min spend of S$1,000) + 5,000 KrisFlyer Miles (for first transaction for first-time AMEX Singapore Airlines Credit Card applicants) + 1,100 KrisFlyer Miles (based on 1.1 KrisFlyer Miles per S$1 spent for the S$1,000 spend above
• A min. spend of S$1,000 must be made within first month of card approval
• Promotion valid only for new card members
• Promotion period: 1 - 30 November 2022
• Read Our Full Review

• Up to 21% fuel savings at SPC
• Annual fee: S$176.55, 1-year waiver
• 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
• 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
• 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
• Free travel insurance Hertz Gold Plus Rewards & Amex Selects Privileges

American Express Singapore Airlines KrisFlyer Card is a great option for miles card beginners, especially for SIA loyalists. In terms of rates, cardholders earn 1.1 miles per S$1 spend (2 miles overseas in June & December) and 2 miles for spend with SingaporeAir, SilkAir and KrisShop. Rewards are earned directly in KrisFlyer miles, so there's no need to worry about conversions or transfer fees. Cardholders also enjoy transit perks–each S$1 spend on Grab earns 3.1 miles, up to 620 miles/month, and the first Grab booking earns 500 bonus miles. Finally, cardholders receive up to 21% fuel savings with SPC. From air travel to Grab to driving and more, Amex SIA KF Card delivers excellent rewards.

• Stand-Out: Earn rewards for SIA spend, no transfer fees or processing times
• Up to 21% fuel savings at SPC
• Promotions: Receive up to 17,000 KrisFlyer Miles
• 10,900 KrisFlyer Miles (min spend of S$1,000) + 5,000 KrisFlyer Miles (for first transaction for first-time AMEX Singapore Airlines Credit Card applicants) + 1,100 KrisFlyer Miles (based on 1.1 KrisFlyer Miles per S$1 spent for the S$1,000 spend above
• A min. spend of S$1,000 must be made within first month of card approval
• Promotion valid only for new card members
• Promotion period: 1 - 30 November 2022
• Read Our Full Review

• Annual fee: S$176.55, 1-year waiver
• 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
• 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
• 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
• Free travel insurance Hertz Gold Plus Rewards & Amex Selects Privileges

American Express Singapore Airlines KrisFlyer Card is a great option for miles card beginners, especially for SIA loyalists. In terms of rates, cardholders earn 1.1 miles per S$1 spend (2 miles overseas in June & December) and 2 miles for spend with SingaporeAir, SilkAir and KrisShop. Rewards are earned directly in KrisFlyer miles, so there's no need to worry about conversions or transfer fees. Cardholders also enjoy transit perks–each S$1 spend on Grab earns 3.1 miles, up to 620 miles/month, and the first Grab booking earns 500 bonus miles. Finally, cardholders receive up to 21% fuel savings with SPC. From air travel to Grab to driving and more, Amex SIA KF Card delivers excellent rewards.

• 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 10% cashback on transport and petrol (capped at S$20 per month)
• Annual fee: Free 10% cashback on medical, transport, dining & overseas travel
• 10% cashback on select electronics/furnishings vendors
• CIMB 0% Interest i.Pay Instalment Plan

While CIMB Platinum MasterCard lacks a high petrol rate with specific merchant partners, it offers the highest general cashback on petrol worldwide. Cardholders earn 10% rebate on transport (taxis, Grab, buses & more) as well as on petrol, both locally and overseas. The closest comparable rate for unrestricted cashback on petrol is just 8%. CIMB Platinum Card also offers market-leading rates for health, dining and more. Cardholders earn 10% cashback on medical expenses like doctors, hospitals, dentists, pharmacies & more, plus at restaurants both locally and overseas. Cardholders also earn at this rate for travel spend in foreign currency and purchases with select electronics/furnishings vendors. Overall, monthly earnings are capped at an impressive S$100, which is fairly high by market standards. While there's an S$800 minimum spend requirement, there's no annual fee, making CIMB Platinum MasterCard an excellent option for global petrol spend with little-to-no maintenance or risk.

• Stand-Out: 10% rebate on wine and dine, transport, petrol, health and travel, capped at S$100/month
• Up to 10% cashback on transport and petrol (capped at S$20 per month)
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: Free 10% cashback on medical, transport, dining & overseas travel
• 10% cashback on select electronics/furnishings vendors
• CIMB 0% Interest i.Pay Instalment Plan

While CIMB Platinum MasterCard lacks a high petrol rate with specific merchant partners, it offers the highest general cashback on petrol worldwide. Cardholders earn 10% rebate on transport (taxis, Grab, buses & more) as well as on petrol, both locally and overseas. The closest comparable rate for unrestricted cashback on petrol is just 8%. CIMB Platinum Card also offers market-leading rates for health, dining and more. Cardholders earn 10% cashback on medical expenses like doctors, hospitals, dentists, pharmacies & more, plus at restaurants both locally and overseas. Cardholders also earn at this rate for travel spend in foreign currency and purchases with select electronics/furnishings vendors. Overall, monthly earnings are capped at an impressive S$100, which is fairly high by market standards. While there's an S$800 minimum spend requirement, there's no annual fee, making CIMB Platinum MasterCard an excellent option for global petrol spend with little-to-no maintenance or risk.

• 1.5% unlimited cashback, boosted to 3% for 1st 6mo
• Promotions: Up to S$80 CapitaVouchers with min. spend of S$250 in the first month
• Promotion ends on 30th June 2022
• Read Our Full Review

• Up to 21% fuel savings at SPC
• Annual fee: S$171.2, 1-year waiver
• Unlimited 1.5% cashback on all spend
• Free travel insurance & Amex Selects Privileges

American Express True Cashback Card offers high-spenders unlimited rewards potential, paired with world-renowned Amex benefits. Cardholders receive an unlimited 1.5% flat cashback on all spend, boosted to 3% during the first 6 months (up to S$150 credit). Competitor cards rarely offer promotions this lucrative. Cardholders also receive up to 21% fuel savings with SPC–a higher discount than offered by any other unlimited card. This discount requires card registration and comprises 21% in savings, plus a 1.5% rebate on the final charged amount. Total earnings are capped at S$300 (higher than competitors). Another reason to consider Amex True Cashback Card is for its great concierge services and dining & lifestyle deals, specifically through Global Assist and American Express Selects. Cardholders also receive special deals through Amex True Cashback card-specific promotions, which frequently include travel and wedding-related discounts. Ultimately, Amex True Cashback Card is the best option for high spenders looking to maximise petrol savings.

• Stand-Out: 1.5% unlimited cashback, boosted to 3% for 1st 6mo
• Up to 21% fuel savings at SPC
• Promotions: Up to S$80 CapitaVouchers with min. spend of S$250 in the first month
• Promotion ends on 30th June 2022
• Read Our Full Review

• Annual fee: S$171.2, 1-year waiver
• Unlimited 1.5% cashback on all spend
• Free travel insurance & Amex Selects Privileges

American Express True Cashback Card offers high-spenders unlimited rewards potential, paired with world-renowned Amex benefits. Cardholders receive an unlimited 1.5% flat cashback on all spend, boosted to 3% during the first 6 months (up to S$150 credit). Competitor cards rarely offer promotions this lucrative. Cardholders also receive up to 21% fuel savings with SPC–a higher discount than offered by any other unlimited card. This discount requires card registration and comprises 21% in savings, plus a 1.5% rebate on the final charged amount. Total earnings are capped at S$300 (higher than competitors). Another reason to consider Amex True Cashback Card is for its great concierge services and dining & lifestyle deals, specifically through Global Assist and American Express Selects. Cardholders also receive special deals through Amex True Cashback card-specific promotions, which frequently include travel and wedding-related discounts. Ultimately, Amex True Cashback Card is the best option for high spenders looking to maximise petrol savings.

• 1.5% unlimited cashback w/ no min. spend requirement
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 21.3% savings at Caltex (Up till Jun 30, 2022)
• Annual fee: S$192.6, 2-year waiver
• Unlimited 1.5% cashback on all spend

High spenders are often limited by typical, capped cashback cards. Standard Chartered Unlimited Cashback Card offers unlimited earning potential with additional, stand-out transport benefits. Cardholders earn 1.5% unlimited cashback on all spend, on par with competitors. However, unlike competitors, SC Unlimited Cashback Card is both SimplyGo compatible and offers up to 22.61% fuel savings at Caltex. This petrol discount has no minimum spend requirement (though total savings are capped at S$200). Ultimately, if you’re a high-spender seeking unlimited rewards and could benefit from petrol and transport discounts, it’s definitely worth considering SC Unlimited Cashback Card.

• Stand-Out: 1.5% unlimited cashback w/ no min. spend requirement
• Up to 21.3% savings at Caltex (Up till Jun 30, 2022)
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$192.6, 2-year waiver
• Unlimited 1.5% cashback on all spend

High spenders are often limited by typical, capped cashback cards. Standard Chartered Unlimited Cashback Card offers unlimited earning potential with additional, stand-out transport benefits. Cardholders earn 1.5% unlimited cashback on all spend, on par with competitors. However, unlike competitors, SC Unlimited Cashback Card is both SImplyGo compatible and offers up to 22.61% fuel savings at Caltex. This petrol discount has no minimum spend requirement (though total savings are capped at S$200). Ultimately, if you’re a high-spender seeking unlimited rewards and could benefit from petrol and transport discounts, it’s definitely worth considering SC Unlimited Cashback Card.

• Earn unlimited miles and cashback, no conversion fees
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$53.50
• Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
• No conversion fees & rewards never expire
• Access to Mastercard Airport Experiences

Unlimited cashback cards are often a great fit for high spenders who typically feel limited by capped rebate cards. OCBC 90°N Card not only allows cardholders to earn up to their full potential, but also offers the opportunity to occasionally switch to miles earning as well. Cardholders earn in Travel$–a point system where 1 Travel$ converts to S$0.01 cash rebate or 1 air mile. As such, cardholders earn at a rate of unlimited 1.2% rebate locally and 2.1% overseas, or 1.2 miles per S$1 locally and 2.1 miles overseas. These rates are quite competitive regardless of rewards type.
Additionally, conversions are equivalent for both rebates and miles (most points cards weaken the value of cashback redemptions), and there are no transfer fees. Even more, rewards earned never expire. Cardholders can also enjoy discounted US$32 per person access to lounges across the world, through Mastercard Airport Experiences. Overall, OCBC 90°N Card offers competitive rates and top hybrid rewards, ideally structured to maximise value for high spenders.

• Stand-Out: Earn unlimited miles and cashback, no conversion fees
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
• Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
• Cashback Option: 1.2% rebate locally, 2.1% overseas
• No conversion fees & rewards never expire
• Access to Mastercard Airport Experiences

Unlimited cashback cards are often a great fit for high spenders who typically feel limited by capped rebate cards. OCBC 90°N Card not only allows cardholders to earn up to their full potential, but also offers the opportunity to occasionally switch to miles earning as well. Cardholders earn in Travel$–a point system where 1 Travel$ converts to S$0.01 cash rebate or 1 air mile. As such, cardholders earn at a rate of unlimited 1.2% rebate locally and 2.1% overseas, or 1.2 miles per S$1 locally and 2.1 miles overseas. These rates are quite competitive regardless of rewards type.

Additionally, conversions are equivalent for both rebates and miles (most points cards weaken the value of cashback redemptions), and there are no transfer fees. Even more, rewards earned never expire. Beyond the versatile rewards system, OCBC 90°N Card also provides a few great perks. Cardholders enjoy 10,000 Travel$ every year, which is equal to S$100 or 10,000 air miles. No unlimited cashback card offers such a bonus, and only a select few travel cards at similar price points also offer annual renewal miles.

This bonus also offsets the moderate S$192.6 fee. On a final note, cardholders can also enjoy discounted US$32 per person access to lounges across the world, through Mastercard Airport Experiences. Overall, OCBC 90°N Card offers competitive rates and top hybrid rewards, ideally structured to maximise value for high spenders.

• Up to 3.5% flat cashback, lofty S$300/month rewards cap
• Promotions: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
• Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
• Read Our Full Review

• Up to 16% fuel savings at Caltex, 14% at Shell
• Annual fee: S$192.6, waived for Advance banking customers
• Up to 3.5% flat rebate for Advance customers (2.5% for others)
• Up to 16% fuel savings with Caltex, 14% with Shell

HSBC Advance Card is one of the best flat rebate cards on the market, especially for higher spenders, if you’re willing to consider an HSBC Advance banking account. Advance customers earn 3.5% cashback on all spend after a S$2,000 minimum (2.5% if below), up to S$125/month–the highest capped earning potential on the market. Cardmembers can max out this cashback with S$3,500 monthly spend and earn up to S$1,500/year. Additionally, Advance customers never pay an annual fee. On the other hand, this card is less competitive for non-Advance customers, who receive 2.5% cashback with S$2,000 spend (1.5% if below), up to S$70/month. They also must pay a S$180.0 fee, though it can be waived with S$12,500 annual spend. Regardless of Advance status, all cardholders can earn up to 16% fuel savings with Caltex, assuming outdoor payment (14% if indoors) and 14% with Shell. Ultimately, if you’re an above-average spender looking to maximise cashback, we’d recommend checking to see if you qualify for HSBC Advance.

• Stand-Out: Up to 3.5% flat cashback, lofty S$300/month rewards cap
• Up to 16% fuel savings at Caltex, 14% at Shell
• Promotions: Receive a Samsonite Prestige 69cm Spinner Exp (worth S$670) or S$200 cashback when you make min. S$500 spend upon card approval. Valid till 31 Dec 2022. T&Cs apply
• Supplementary card promo: Get up to S$150 cashback when you apply for supplementary cards. This promotion is not valid in conjunction with other HSBC supplementary credit card sign up gift promotions. Valid till 31 Dec 2022
• Read Our Full Review

• Annual fee: S$192.6, waived for Advance banking customers
• Up to 3.5% flat rebate for Advance customers (2.5% for others)
• Up to 16% fuel savings with Caltex, 14% with Shell

HSBC Advance Card is one of the best flat rebate cards on the market, especially for higher spenders, if you’re willing to consider an HSBC Advance banking account. Advance customers earn 3.5% cashback on all spend after a S$2,000 minimum (2.5% if below), up to S$125/month–the highest capped earning potential on the market. Cardmembers can max out this cashback with S$3,500 monthly spend and earn up to S$1,500/year. Additionally, Advance customers never pay an annual fee. On the other hand, this card is less competitive for non-Advance customers, who receive 2.5% cashback with S$2,000 spend (1.5% if below), up to S$70/month. They also must pay a S$180.0 fee, though it can be waived with S$12,500 annual spend. Regardless of Advance status, all cardholders can earn up to 16% fuel savings with Caltex, assuming outdoor payment (14% if indoors) and 14% with Shell. Ultimately, if you’re an above-average spender looking to maximise cashback, we’d recommend checking to see if you qualify for HSBC Advance.

• Unlimited lounge access, free travel insurance & bonus hotel nights
• Promotions:
• Read Our Full Review

• Up to 14% fuel savings at Esso & Shell
• Annual fee: S$535 1.3 miles per S$1 local spend, 2 miles overseas
• 25,000 annual renewal miles (worth S$250)
• 15%-30% annual Citi relationship bonus
• Unlimited lounge access, travel insurance, free hotel nights & more

Citi Prestige MasterCard is by far one of the best travel cards for luxury perks and privileges on the market, and even comes with top rewards rates. Cardholders earn 1.3 miles per S$1 locally and 2 overseas, and receive up to 14% fuel savings with Esso & Shell. In addition, cardmembers receive 25,000 annual renewal miles (worth S$250) and an annual bonus up to 30% based on their length of relationship with Citibank. These notably offset the admittedly high S$535 fee–though Citi Prestige Card delivers even more value with its perks. Cardholders enjoy unlimited lounge access worldwide (plus a guest), bonus hotel nights, golfing privileges, and more. Overall, Citi Prestige Card is an excellent option for those who prioritise luxury perks in their travels.

• Stand-Out: Unlimited lounge access, free travel insurance & bonus hotel nights
• Up to 14% fuel savings at Esso & Shell
• Promotions:
• Read Our Full Review

• Annual fee: S$535 1.3 miles per S$1 local spend, 2 miles overseas
• 25,000 annual renewal miles (worth S$250)
• 15%-30% annual Citi relationship bonus
• Unlimited lounge access, travel insurance, free hotel nights & more

Citi Prestige MasterCard is by far one of the best travel cards for luxury perks and privileges on the market, and even comes with top rewards rates. Cardholders earn 1.3 miles per S$1 locally and 2 overseas, and receive up to 14% fuel savings with Esso & Shell. In addition, cardmembers receive 25,000 annual renewal miles (worth S$250) and an annual bonus up to 30% based on their length of relationship with Citibank. These notably offset the admittedly high S$535 fee–though Citi Prestige Card delivers even more value with its perks. Cardholders enjoy unlimited lounge access worldwide (plus a guest), bonus hotel nights, golfing privileges, and more. Overall, Citi Prestige Card is an excellent option for those who prioritise luxury perks in their travels.

• Receive S$6,000 cash reward for investing w/ SC Bank
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 21.3% savings at Caltex (Up till Jun 30, 2022)
• Annual fee: S$695.5
• 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
• Points can also be redeemed as cashback or travel credits
• 2 free lounge visits & free travel insurance
• Hertz Asia rental car & exclusive hotel privileges
• Discounted green fees at golf clubs in SE Asia

Standard Chartered Visa Infinite X Card has the best upfront bonus on the market for very affluent travellers. New cardholders who place S$300k fresh funds in a SC Priority Banking account receive an incredible 100,000 KrisFlyer miles–that's equal to approximately S$10k value when redeemed for business class air tickets. Those with even more funds readily available can receive 150,000 bonus miles (worth S$15k) by placing S$800k. And, Priority Private Banking customers who place S$1.5m fresh funds receive an astounding 300,000 miles (worth S$30k). These sign-on offers easily offset the high S$695.5 fee and make the card worthwhile even though its rates (1.2 miles per S$1 locally, 2 miles overseas) aren't especially competitive. Overall, very affluent individuals who can take advantage of the welcome bonus should definitely consider SC Visa Infinite X Card if they want to rapidly accrue miles.

• Stand-Out: Receive S$6,000 cash reward for investing w/ SC Bank
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$695.5 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
• Points can also be redeemed as cashback or travel credits
• 2 free lounge visits & free travel insurance
• Hertz Asia rental car & exclusive hotel privileges
• Discounted green fees at golf clubs in SE Asia

Standard Chartered Visa Infinite X Card has the best upfront bonus on the market for very affluent travellers. New cardholders who place S$300k fresh funds in a SC Priority Banking account receive an incredible 100,000 KrisFlyer miles–that's equal to approximately S$10k value when redeemed for business class air tickets. Those with even more funds readily available can receive 150,000 bonus miles (worth S$15k) by placing S$800k. And, Priority Private Banking customers who place S$1.5m fresh funds receive an astounding 300,000 miles (worth S$30k). These sign-on offers easily offset the high S$695.5 fee and make the card worthwhile even though its rates (1.2 miles per S$1 locally, 2 miles overseas) aren't especially competitive. Overall, very affluent individuals who can take advantage of the welcome bonus should definitely consider SC Visa Infinite X Card if they want to rapidly accrue miles.

• 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 23% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
• Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
• 6% rebate on FX & mobile contactless expenditures
• 6% rebate on online purchases

Lower spenders can access top rates after just S$600 offline spend with OCBC Frank Card, one of the best options for social and weekend spenders. Cardholders earn 6% rebate on FX, online, and mobile contactless purchases. These rates are incredibly accessible given the low S$600 minimum, and cardholders can earn up to S$75/month. Cardholders can utilize their 6% mobile contactless benefit to earn rewards on their petrol expenses. This card has a fee of S$80, but is waived with just S$10,000 annual spend. OCBC Frank Card’s closest competitor does not offer a petrol discount, and also lacks a fee-waiver. For these reasons, OCBC Frank Card is an excellent option for young adults and lower spenders who want access to high rates for digital expenditures, but who may feel limited by smaller budgets.

• Stand-Out: 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
• Up to 23% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
• 6% rebate on FX & mobile contactless expenditures
• 6% rebate on online purchases

Lower spenders can access top rates after just S$600 offline spend with OCBC Frank Card, one of the best options for social and weekend spenders. Cardholders earn 6% rebate on FX, online, and mobile contactless purchases. These rates are incredibly accessible given the low S$600 minimum, and cardholders can earn up to S$75/month. Cardholders can utilize their 6% mobile contactless benefit to earn rewards on their petrol expenses. This card has a fee of S$80, but is waived with just S$10,000 annual spend. OCBC Frank Card’s closest competitor does not offer a petrol discount, and also lacks a fee-waiver. For these reasons, OCBC Frank Card is an excellent option for young adults and lower spenders who want access to high rates for digital expenditures, but who may feel limited by smaller budgets.

• Up to 4mi/S$1 spend on fashion retail & all online spend
• Promotions: Receive Dyson Supersonic (worth S$649) / Sony WH-1000XM5 (worth S$569) / AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) / S$400 Cash via PayNow
• No promotion for existing card members
• Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period
• Promotion period: 1 - 8 November 2022
• Read Our Full Review

• Up to 14% fuel savings at Esso & Shell
• Annual fee: S$192.6, 1-year waiver
• 4 miles (10pts) per S$1 fashion retail spend
• 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
• Free travel insurance

Citi Rewards Card offers cardholders great rewards rates for online & fashion spend as well as petrol discounts. Cardholders earn 10 points (4 miles) per S$1 spend on clothing, bags, shoes and more online, offline, locally and overseas. Cardholders also earn at department stores, which is sometimes excluded by other cards.

Finally, nearly all online transactions also earn at this rewards rate (travel bookings & mobile wallet pay are excluded, however). While general spend earns just 1 point (0.4 miles) per S$1, cardholders can still enjoy up to 14% fuel savings with Esso and Shell. There is a S$192.6 fee, but it’s waived 1 year. If you’re interested in a flexible shopper card for fashion spend, Citi Rewards Card is worth considering.

• Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spend
• Up to 14% fuel savings at Esso & Shell
• Promotions: Receive Dyson Supersonic (worth S$649) / Sony WH-1000XM5 (worth S$569) / AirPods Pro (2nd Gen) + MagSafe Charger (worth S$418) / S$400 Cash via PayNow
• No promotion for existing card members
• Successful applicants must ensure that their credit card is valid and in good standing (not cancelled or blocked) at the point of gift fulfilment, and must retain and not cancel it for a period of 12 months from the date of approval. Reward may be retracted or cancelled if the card is cancelled before this 12-month period
• Promotion period: 1 - 8 November 2022
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• 4 miles (10pts) per S$1 fashion retail spend
• 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
• Free travel insurance

Citi Rewards Card offers cardholders great rewards rates for online & fashion spend as well as petrol discounts. Cardholders earn 10 points (4 miles) per S$1 spend on clothing, bags, shoes and more online, offline, locally and overseas. Cardholders also earn at department stores, which is sometimes excluded by other cards.

Finally, nearly all online transactions also earn at this rewards rate (travel bookings & mobile wallet pay are excluded, however). While general spend earns just 1 point (0.4 miles) per S$1, cardholders can still enjoy up to 14% fuel savings with Esso and Shell. There is a S$192.6 fee, but it’s waived 1 year. If you’re interested in a flexible shopper card for fashion spend, Citi Rewards Card is worth considering.

• 4 mi/S$1 on fashion & merchants like Amazon, Lazada
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
• Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
• 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants

OCBC Titanium Rewards Card is the most versatile shopper card on the market, has an easy fee-waiver, and also comes with petrol savings. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, electronics, and at department stores online, offline, locally and overseas. While competitors share this offer, OCBC Titanium Card also extends this rate to merchants like Amazon, Alibaba, Lazada, IKEA, Qoo10 and many, many more.

Essentially, cardholders can earn from spend on everything from appliances to pharmaceuticals and beyond. OCBC Titanium Card also stands out for its fee-waiver. Cardholders spending S$10,000/year (just S$1,000/month) are exempt from the S$192.6 fee. OCBC Titanium Card’s key competitor does not offer such a waiver. Additionally, cardholders have the potential to earn up to 4,000 miles/month, and enjoy up to 20% fuel savings with Sinopec, 16% with Caltex and 15% with Esso. If you’re looking for no-fee rewards on retail, OCBC Titanium Card is the best option.

• Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
• Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
• 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
• Discounted airport lounge & JetQuay Quayside access

OCBC Titanium Rewards Card is the most versatile shopper card on the market, has an easy fee-waiver, and also comes with petrol savings. Cardholders earn 10 points (4 miles) per S$1 spend on fashion retail, electronics, and at department stores online, offline, locally and overseas. While competitors share this offer, OCBC Titanium Card also extends this rate to merchants like Amazon, Alibaba, Lazada, IKEA, Qoo10 and many, many more.

Essentially, cardholders can earn from spend on everything from appliances to pharmaceuticals and beyond. OCBC Titanium Card also stands out for its fee-waiver. Cardholders spending S$10,000/year (just S$1,000/month) are exempt from the S$192.6 fee. OCBC Titanium Card’s key competitor does not offer such a waiver. Additionally, cardholders have the potential to earn up to 4,000 miles/month, and enjoy up to 20% fuel savings with Sinopec, 16% with Caltex and 15% with Esso. If you’re looking for no-fee rewards on retail, OCBC Titanium Card is the best option.

• Get up to 20 miles from online purchases, 6 miles from overseas purchases and 1 mile from other purchases
• Promotions: None currently available
• Read Our Full Review

• Up to 14% fuel savings at EssUp to 15% fuel savings at SPC (until 31 March, 2022)
• Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
• 4 miles per S$1 spend on online shopping
• DBS My Preferred Payment Plan (0% interest instalments)
• Hertz Gold Plus Rewards membership & access to Quayside

Online shoppers can take advantage of DBS Woman’s World Card’s great 0% interest instalment plan, as well as its substantial petrol discounts. Cardholders earn 4 miles per S$1 spend on online shopping (up to 8,000/month), 0.4 miles for local spend, and 1.2 miles overseas.

Additionally, cardholders have access to DBS’s My Preferred Payment Plan, which allows payments to be split across up to 12 months with no processing fee. Alternatives charge up to 5% of the transaction amount. DBS Woman’s World Card also stands out for fuel savings up to 14% with Esso and a fee waiver with S$25,000 annual spend. If you mostly shop online and split larger transactions into instalments, DBS Woman’s World Card is the best option for you.

• Stand-Out: Get up to 20 miles from online purchases, 6 miles from overseas purchases and 1 mile from other purchases
• Up to 14% fuel savings at EssUp to 15% fuel savings at SPC (until 31 March, 2022)
• Promotions: None currently available
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver, subsequently with S$25,000 annual spend
• 4 miles per S$1 spend on online shopping
• DBS My Preferred Payment Plan (0% interest instalments)
• Hertz Gold Plus Rewards membership & access to Quayside

Online shoppers can take advantage of DBS Woman’s World Card’s great 0% interest instalment plan, as well as its substantial petrol discounts. Cardholders earn 4 miles per S$1 spend on online shopping (up to 8,000/month), 0.4 miles for local spend, and 1.2 miles overseas.

Additionally, cardholders have access to DBS’s My Preferred Payment Plan, which allows payments to be split across up to 12 months with no processing fee. Alternatives charge up to 5% of the transaction amount. DBS Woman’s World Card also stands out for fuel savings up to 14% with Esso and a fee waiver with S$25,000 annual spend. If you mostly shop online and split larger transactions into instalments, DBS Woman’s World Card is the best option for you.

• Miles & discounts w/ Lazada + dining, entertainment & Grab
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 14% fuel savings at Esso & Shell
• Annual fee: S$192.6, 1-year waiver
• Up to 4 miles (10pts) per S$1 spend w/ Lazada
• Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
• Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
• Exclusive offers & discounts with Lazada Free travel insurance

First and foremost, Citi Lazada Card is a perfect option for frequent online Lazada shoppers seeking miles for their purchases. Cardholders not only earn 4 miles (10pts) per S$1 spend with Lazada, they also enjoy exclusive discounts and shipping rebates of S$1.99 per S$50+ purchase (up to 4x/month). Citi Lazada Card is also a great option for those seeking petrol savings, however, due to its 14% fuel savings with Esso & Shell as well as its impressive transport perks.

Beyond online shopping, cardholders are also rewarded with 2 miles per S$1 spend on dining, entertainment, travel and transport–including everything from limousines and taxis to Grab and Gojek. As a result, consumers are likely to benefit regardless of their chosen form of transport. Nonetheless, Citi Lazada Card may not be the best option for higher spenders or those seeking an everyday card.

Earnings are capped at a fairly low 4,000 miles (10,000pts) per month, which is roughly equal to S$40 value-to-consumer and can be maxed out with as little as S$1,000 spend. In conclusion, Citi Lazada Card is ideal for Lazada loyalists with a shopping budget of about S$1k, and stands out by offering additional perks for transport.

• Stand-Out: Miles & discounts w/ Lazada + dining, entertainment & Grab
• Up to 14% fuel savings at Esso & Shell
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$192.6, 1-year waiver
• Up to 4 miles (10pts) per S$1 spend w/ Lazada
• Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
• Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
• Exclusive offers & discounts with Lazada

First and foremost, Citi Lazada Card is a perfect option for frequent online Lazada shoppers seeking miles for their purchases. Cardholders not only earn 4 miles (10pts) per S$1 spend with Lazada, they also enjoy exclusive discounts and shipping rebates of S$1.99 per S$50+ purchase (up to 4x/month). Citi Lazada Card is also a great option for those seeking petrol savings, however, due to its 14% fuel savings with Esso & Shell as well as its impressive transport perks.

Beyond online shopping, cardholders are also rewarded with 2 miles per S$1 spend on dining, entertainment, travel and transport–including everything from limousines and taxis to Grab and Gojek. As a result, consumers are likely to benefit regardless of their chosen form of transport. Nonetheless, Citi Lazada Card may not be the best option for higher spenders or those seeking an everyday card.

Earnings are capped at a fairly low 4,000 miles (10,000pts) per month, which is roughly equal to S$40 value-to-consumer and can be maxed out with as little as S$1,000 spend. In conclusion, Citi Lazada Card is ideal for Lazada loyalists with a shopping budget of about S$1k, and stands out by offering additional perks for transport.

• Top discounts & savings on Synergy fuel at Esso
• Promotions: No promotion currently being offered
• Read Our Full Review

• Up to 21.2% fuel savings at Esso
• Annual fee: S$85.6, 1-year waiver
• Up to 21.1% fuel savings at Esso (+2.2% with purchase of 250 litres Synergy fuel)
• Auto-enrolment into Esso Smiles Driver Rewards Programme
• 0% interest, no-fee instalment plan for motor insurance & road tax

DBS Esso Card is a great petrol card for Esso loyalists, offering up to 21.2% fuel savings at Esso, plus 2.2% additional savings after 250 litres Synergy fuel are purchased. This discount consists of a 5% station discount, 5% Esso Smiles membership discount, 7% DBS Esso Card discount, and S$10 off, after S$200 net fuel spend (equal to up to 4.1%).

Cardholders primarily earn by spending on petrol. Purchasing 1 litre of Synergy fuel earns 1 point, and 300 points earn a S$10 voucher for Synergy Fuel. General spend, on the other hand, earns just 0.1 points per S$1. As a result, this card is only valuable if used on petrol spend at Esso. However, cardholders also have access to a 0% interest instalment plan for motor insurance and road tax. Ultimately, if you’re an Esso loyalist and want to transform petrol spend into further petrol discounts, this may be the card for you.

• Stand-Out: Top discounts & savings on Synergy fuel at Esso
• Up to 21.2% fuel savings at Esso
• Promotions: No promotion currently being offered
• Read Our Full Review

• Annual fee: S$85.6, 1-year waiver Up to 21.1% fuel savings at Esso (+2.2% with purchase of 250 litres Synergy fuel)
• Auto-enrolment into Esso Smiles Driver Rewards Programme
• 0% interest, no-fee instalment plan for motor insurance & road tax

DBS Esso Card is a great petrol card for Esso loyalists, offering up to 21.2% fuel savings at Esso, plus 2.2% additional savings after 250 litres Synergy fuel are purchased. This discount is comprised of a 5% station discount, 5% Esso Smiles membership discount, 7% DBS Esso Card discount, and S$10 off, after S$200 nett fuel spend (equal to up to 4.1%).

Cardholders primarily earn by spending on petrol. Purchasing 1 litre of Synergy fuel earns 1 point, and 300 points earn a S$10 voucher for Synergy Fuel. General spend, on the other hand, earns just 0.1 points per S$1. As a result, this card is only valuable if used on petrol spend at Esso. However, cardholders also have access to a 0% interest instalment plan for motor insurance and road tax. Ultimately, if you’re an Esso loyalist and want to transform petrol spend into further petrol discounts, this may be the card for you.