SPC has a strong UOB partnership layering pump discount + cashback at SPC stations — headline combined savings approach 23% when hitting the quarterly UOB tier. For users who don't hit that tier or fuel across multiple stations, general petrol-MCC bonus cards at 6-8% are the steady-state alternative.
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.
POSB
SPC: 6% cashback no min, no cap. Stacks with 5% on-site discount + SPC&U card discount up to 20.1% total fuel savings.
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.
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 — freeUOB One pays up to 23.8% combined savings (5% cashback at tier + 14% SPC pump discount + 6% UOB Privileges) at SPC stations. Requires hitting the UOB One quarterly tier minimum (S$500/$1k/$2k/mo for 3 consecutive months).
Yes — the SPC&U is a Pluss loyalty card (not a payment card). Present it at the pump for the SPC discount, then pay with your credit card for cashback. Stacks cleanly.
No. SPC convenience-store purchases use MCC 5411 / 5499 (grocery/food), not 5541 (petrol). Petrol-category cards match the fuel portion only.