Caltex partners with several SG banks for combined pump-discount + cashback packages. OCBC 365's Caltex deal stacks site discount and cashback on top of a 22.92% headline savings tier. Real ECR depends on tier minimums and Caltex's rotating promotions.
OCBC
Caltex stacked savings: 6% OCBC card cashback + on-site Caltex discount (typically 21% Platinum 98 / 19% Premium 95 / 5% other) + Caltex&U card discount. Approximate effective rate; varies by fuel grade and current Caltex promo.
Citibank
8% on Petrol (Esso, Shell, Caltex, SPC, Sinopec — MCC 5541/5542). Requires S$800/mo Qualifying Spend; bonus capped at S$80/mo total across all bonus tiers (per-tier sub-caps not enforced separately). Effective 1 April 2024.
UOB
Applies only to ONE category you select (locked per quarter).
10X UNI$ per S$5 (UNI$10 = 4 miles per S$1) on user-selected Preferred Rewards Category. Cap 1,800 UNI$/mo bonus = S$1,000/mo of qualifying spend (cap_unit=spend). User selects ONE category quarterly. Categories: Beauty (5912/5977/7230/7231/7298/7297), Dining (5811/5812/5814/5499), Entertainment (5813/7832/7922), Family (5411/5641), Fashion (5311/5611-5699/5948), Transport (4111/4121/4789/5541/5542), Travel (airlines+hotels). Engine matches optimistically — actual user only earns 4 mpd on currently-selected category.
These are the objective top picks. Perqa narrows them to the cards in your wallet and tracks your spend so you always use the right one.
Try Perqa — freeOCBC 365 Credit Card has the strongest Caltex partnership (22.92% combined savings — 18% pump discount + 6% OCBC cashback, min S$800/mo). Citi Cash Back's 8% petrol category and Maybank F&F (8% petrol within selected categories) are close runners-up that work across all stations, not just Caltex.
Yes. StarCash is a Caltex loyalty programme separate from card payment — present at the pump first for the Caltex discount, then pay with your credit card for cashback. Both layer on top of each other.
Sometimes. Pure fuel transactions use MCC 5541 (Service Stations). Star Mart convenience-store purchases may use MCC 5411 (Grocery) or 5499 (Misc Food) depending on the outlet. Petrol-category cards match the fuel charge only; the Star Mart portion may earn the grocery rate or base rate.