1
OCBC 365 Credit Card
OCBC
6% cashback
Petrol (MCC 5541, 5542) on-counter; excludes fleet card top-ups (Esso Speedpass etc). Stacks with onsite station discount; Caltex up to ~22.92% effective.
Top 3 cards
2
UOB Lady's Card
UOB
4 mpd
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.
3
Maybank Family & Friends Card
Maybank
6% cashback
Applies only to ONE category you select (locked per quarter).
Tier 1: 6% on user-selected 5 of 10 categories at S$800/mo min spend, S$20/mo cap PER CATEGORY. Categories: Automotive (5541/5542/5552/5532/5533/5599/7531/7535/7538/8699), Dining&Food Delivery (5812/5814/Foodpanda/Deliveroo), Kids&Pets (0742/5995/POPULAR/Toys R Us/Yamaha Music/Mothercare/Kiddy Palace), Online Shopping (5611/5262/5309/5310/5311/5331/5399/5621/5631/5641/5651/5699/5948 online only), Telco&Streaming (4812/4814/4899), Beauty&Wellness (7297/7298/7230), Commute (4111/4112/4121/4131/4789), Entertainment (5813/7832/7922/7929), Groceries (5411), Sports&Sports Apparels (5655/5940/5941/7032/7941/7992/7997).
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Try Perqa — freeFrequently asked
DBS Esso (24.2% combined at Esso). Citi Cash Back at Shell (~21%). UOB One at SPC (~22%). OCBC 365 at Caltex (~23%). All require some tier minimum to unlock the headline rate.
Station co-brand wins if you fuel exclusively at that brand. General petrol card wins if you fuel wherever's closest. The break-even is typically S$200-300/mo at one brand — below that, a general 8% card like Citi Cash Back wins after factoring tier minimums.
Yes, always. Loyalty programmes are separate from payment — tap loyalty at the pump first for points/discount, then pay with credit card for cashback. All three layers can stack.