Sinopec is the cheapest fuel at pump in SG (typically 2-4¢/L below the Esso/Shell/Caltex price). It doesn't have a major co-branded partnership, so the right card is whatever pays the most on the general petrol MCC. Citi Cash Back and OCBC 365 lead.
Citibank
8% on Petrol (Esso, Shell, Caltex, SPC, Sinopec — MCC 5541/5542). Requires S$800/mo Qualifying Spend; bonus capped at S$80/mo total across all bonus tiers (per-tier sub-caps not enforced separately). Effective 1 April 2024.
OCBC
Petrol (MCC 5541, 5542) on-counter; excludes fleet card top-ups (Esso Speedpass etc). Stacks with onsite station discount; Caltex up to ~22.92% effective.
UOB
Applies only to ONE category you select (locked per quarter).
10X UNI$ 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 — freeSinopec runs leaner promotional structures (no major Smiles / Escape style loyalty) and prices closer to wholesale at pump. Net cost after credit card cashback can still beat a discounted major brand depending on your card.
Yes. All Sinopec SG outlets accept Visa, Mastercard, and AMEX at the pump and inside. MCC is 5541 (Service Stations), same as Esso/Shell/Caltex — qualifies for petrol-category bonuses.
No. Unlike Esso (DBS) or Shell (Citi), Sinopec doesn't have a single co-branded SG card. Pick the best general petrol card you qualify for: Citi Cash Back (8% petrol, min S$800/mo) or OCBC 365 (5% petrol, min S$800/mo).