Ranking for S$250 of petrol a month
Cash back a month on S$250 of petrol, with S$1,000 in total going on the card (so minimum-spend conditions up to that amount are met). Your own numbers go in the calculator above.
| # | Card | Rate | Cash back a month | Conditions |
|---|---|---|---|---|
| 1 | Citi Cash Back Card | 8% | S$20 | Petrol, worldwide |
| 2 | OCBC 365 Credit Card | 6% | S$15 | Petrol (any station) |
| 3 | UOB One Card | fixed tier | S$8.40 | includes S$8.33 share of the fixed tier cashback |
| 4 | UOB Absolute Cashback Card | 1.7% (base) | S$4.25 | — |
| 5 | Citi Cash Back+ Card | 1.6% (base) | S$4 | — |
| 6 | OCBC INFINITY Cashback Card | 1.6% (base) | S$4 | — |
| 7 | Trust Freedom credit card (formerly Trust Cashback Card) | 1.5% (base) | S$3.75 | — |
| 8 | American Express True Cashback Card | 1.5% (base) | S$3.75 | — |
| 9 | HSBC Advance Credit Card | 1.5% (base) | S$3.75 | more from S$2,000 a month |
| 10 | Standard Chartered Simply Cash Credit Card | 1.5% (base) | S$3.75 | — |
| 11 | CIMB Visa Infinite | 1% (base) | S$2.50 | — |
| 12 | CIMB World Mastercard | 1% (base) | S$2.50 | — |
| 13 | DBS Chromo Card | 1% (base) | S$2.50 | — |
| 14 | Standard Chartered Smart Credit Card | 0.5% (base) | S$1.25 | more from S$1,500 a month |
| 15 | UOB EVOL Card | 0.3% (base) | S$0.75 | — |
| 16 | Citi M1 Card | 0.3% (base) | S$0.75 | — |
| 17 | Citi SMRT Card | 0.3% (base) | S$0.75 | — |
| 18 | HSBC Live+ Credit Card | 0.3% (base) | S$0.75 | — |
| 19 | POSB Everyday Card | 0.3% (base) | S$0.75 | — |
| 20 | DBS yuu Card | 0.25% (base) | S$0.63 | — |
| 21 | CIMB Visa Signature | 0.2% (base) | S$0.50 | — |
If you mostly use one chain
These rates apply only at the merchants named, or need a condition the calculator can't check, so they aren't in the ranking. If most of your petrol goes to one of them, they can beat every card above.
- 6% — SPC, with the POSB Everyday Card; no minimum spend; no minimum, no cap, on top of SPC's pump discounts.
- 5% — Caltex, Shell, with the HSBC Live+ Credit Card; needs S$600 a month on the card.
- 1.67% — Shell, with the UOB One Card; needs S$2,000 a month on the card.
What counts as petrol
Petrol is recognised by the station's merchant category code — 5541 (service stations) or 5542 (automated fuel dispensers). Shop purchases at the station's convenience store may be billed separately and coded differently. Cards that name specific brands pay their rate only at those brands' stations.
The petrol cards side by side
| Card | Rate here | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| Citi Cash Back Card | 8% (Petrol, worldwide) | S$800 a month | S$80 a month | S$196.20 |
| OCBC 365 Credit Card | 6% (Petrol (any station)) | S$800 a month | S$80 a month (S$160 from S$1,600 of spend) | S$196.20 |
Questions and answers
Can I get both the pump discount and card cash back?
Usually the station's discount comes off the price first and the card's cash back is paid on the amount actually charged. Some bank-and-brand tie-ups don't combine with other offers — the card's terms say so where that applies.
Does the cash back apply to the convenience store at the station?
Only if the store's purchases are billed as petrol-station spend. Many are billed separately, so the card's petrol rate doesn't reach them.
Other categories
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- All cashback cards in Singapore
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.