Best SPC Credit Card Discounts in Singapore 2026
Updated: 1 Jan 2026
Card | Hot Reward Pick | SingSaver Reward | Min. Annual Income | Card Benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | POSB Everyday Card | S$879 | S$30,000 | 0.3 - 10 % | S$196.20 | ||
 | UOB One Card | S$360 | S$30,000 | 3.33 - 20 % | S$196.20 | ||
 | UOB Lady's Card | S$60 Cash via PayNow | S$160 | S$30,000 | 0.4 - 10 miles per dollar | S$196.20 | |
 | UOB Visa Signature Card | S$160 | S$30,000 | 0.4 - 4 miles per dollar | S$218.00 | ||
 | American Express True Cashback Card | - | - | Conditional | 1.5 - 3 % | S$174.40 | |
 | American Express Platinum Credit Card | - | - | Conditional | 2 - 10 | S$327 | |
 | Maybank World Mastercard | - | - | S$80,000 | 0.4 - 4 | S$261.60 |
Overview: Best credit cards for SPC discounts
Here is a quick summary of the best SPC credit card discounts you'll find in 2026. Want to maximise your SPC petrol savings? We recommend signing up for an SPC&U membership so you can stack those sweet members’ only perks with your credit card discounts. Sign up on SPC&U's online portal and register your card for instant exclusive discounts.
|
Credit card |
Benefits |
Fuel savings & discounts |
|
|
Up to 10% cash rebates on dining, public transport & offline MYR spend |
20.1% & 2% SpeedyCare cash rebates |
|
|
Up to 10% cash back on daily essentials, transport & more |
24% |
|
UOB Lady’s/Lady’s Solitaire Card
|
4 miles per dollar on your preferred rewards categories |
20% |
|
|
4 miles per dollar on overseas, petrol & contactless spend (Excludes SPC & Shell stations) |
20% |
|
American Express True Cashback Card
|
3% cashback for new card members (1.5% after 6 months) |
21% |
|
American Express Platinum Credit Card
|
2 membership points per S$1.60 spend |
21% |
|
|
4 miles per dollar on select local merchants, 3.2 miles per dollar on overseas spend |
15% with the Corporate Fuel Card |
POSB Everyday Card
POSB Everyday Card
- Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
- Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
- Up to 10% cash rebates on SimplyGo.
- Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
- Up to 5% cash rebates at Popular bookstores (in-person and online)
- 5% cash rebates at Sheng Siong supermarkets.
- 6% cash rebates at SPC.
- 3% cash rebates at Pet Lovers Centre.
- 0.3% cash rebates on all other eligible spend.
- Cash rebates (in Daily$) never expire.
- Read our full review of the POSB Everyday Card.
- Food delivery
- Online shopping rebate
- Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
- S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.
- Rebate cap applied
- Monthly spend required
SingSaver's take
A great pick for saving on everyday spend, from groceries at Sheng Siong and RedMart to weekend trips in Johor Bahru. POSB Everyday Card holders can also stack their 6% cash rebates at SPC and 5% DBS/POSB card discount with their SPC&U card for 20.1% fuel savings.
Pros
No minimum spend required for cash rebates at SPC, Sheng Siong and Pet Lovers Centre.
Cons
A minimum spend of S$800 is required to enjoy other cash rebates on eligible spend.
UOB One Card
- Up to 20% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee.
- Up to 18% cashback on all grocery spend.
- Up to 4.33% on SP utilities bill.
- Up to 3.33% cashback on all retail spend.
- Petrol savings of up to 22.66% at Shell and SPC.
- Greater savings with up to 3.4% p.a. interest with UOB One Account+.
- Supermarket rebate
- Grab/taxi rebate
- Spend at least $600 monthly based on your qualifying quarter to enjoy up to 10% cashback.
- Awarding of cash rebate only comes every quarter.
- Qualifying monthly spend for cash rebate has to be spread out across min. 10 different purchases.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Monthly spend required
- Rebate cap applied
SingSaver's take
A category-based rewards card, the UOB One Card is handy for earning cashback on daily expenditure including utility bills, groceries and public transport rides. Drivers will also benefit from the 22.66% and 24% fuel savings at SPC and Shell stations, respectively.
Pros
Up to 10% cashback on everyday spending helps you save on daily necessities.
Cons
You’ll need to hit a minimum monthly spend of S$2,000 for maximum cashback. You will also have to track your spending to ensure your purchases are eligible for cashback.
UOB Lady’s Card
UOB Lady's Card
- Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
- Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
- LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
- Complimentary e-Commerce protection on your online purchases.
- Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
- Local & Overseas spending rewards
- Installment
- No monthly spend required
- You can only choose 1 rewards category out of 7 to earn up to 25X UNI$ (10 miles per S$1). Feel free to change your category every quarter.
- You must save with UOB Lady’s Savings Account to unlock up to additional 15X UNI$ (6 miles per S$1) earn rate on your preferred rewards category.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Monthly rewards cap applies.
SingSaver's take
A card for those who want to maximise their spending within one category, so they can rack up those UNI$ for goodies, air miles and cash rebates via UOB Rewards+.
Pros
Earn up to a maximum of 1,800 UNI$ (S$1,000) for Lady’s Card members and 3,600 UNI$ (S$2,000) per month for Lady’s Solitaire Card members.
Cons
Lady’s Solitaire Card members used to be able to earn 5,400 UNI$ (S$3,000) per month, but this was revised in April 2024. Also, a high MAB is needed in your Lady’s Savings account for higher bonus earning rates.
UOB Visa Signature Card
UOB Visa Signature Card
- Earn 4 miles per dollar on overseas spend in foreign currency.
- Earn 4 miles per dollar on local petrol & contactless spend including SimplyGo.
- Enjoy complimentary travel insurance benefits, including coverage of up to S$500,000 for Public Conveyance Personal Accident.
- Petrol rebate
- Overseas rebate
- Mobile contactless rebate
- S$1,000 monthly minimum spend required to earn boosted rewards points rate.
- Rewards points capped at UNI$2,400 per category per statement month.
- Rebate cap applied
SingSaver's take
If you’re tired of tracking your eligible spending, the UOB Visa Signature Card might just be perfect for you. With up to 4 miles per dollar on contactless transactions, you’ll start racking up those miles in no time—especially since UNI$ only expire after 2 years.
Pros
Effortlessly earn 4 miles per dollar on most local and foreign contactless transactions.
Cons
A minimum monthly spend of S$1,000 is required to earn 4 miles per dollar.
American Express True Cashback Card
American Express True Cashback Card
- 1.5% unlimited cash rebate on all spend with no minimum spend.
- 3% Cashback up to a spending of $5,000 for first 6 months.
- Complimentary travel insurance.
- Cashback credited on the same statement month.
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- No rebate cap
- No monthly spend required
- Travel insurance
- Annual fee waiver
SingSaver's take
Earn rewards on almost anything, in Singapore and overseas with this solid flat-rate cashback card. Combine 21% fuel savings at SPC for American Express cards and your 1.5-3% cashback for even more savings.
Pros
Hassle-free cashback earning on almost anything. Exclusions currently include common-sense items like annual card fees, late payment fees, etc.
Cons
3% cashback rate only applies for your first 6 months and drops to 1.5% thereafter.
American Express Platinum Credit Card
- Enjoy up to S$200 Fashion and Dining Credit that can be used at trending restaurants or fashion brands.
- Enjoy up to 50% off your food bill at over 70 premium dining spots with Love Dining.
- Enjoy 1-for-1 first drink and complimentary drinks at some of the most bespoke bars in Singapore with Chillax by Platinum.
- Earn 2 Membership Rewards® Points for every S$1.60 spent.
- Earn 10 Membership Rewards® Points for every full S$1.60 spent with 10Xcelerator Partners.
- Membership Rewards® Points never expire.
- Permanent waiver of miles transfer fee (worth S$40).
- Please refer to the American Express website (go.amex/singsaver) for the most up to date information on card benefits and its terms & conditions.
- Unlimited air miles
- Dining savings
- Annual fee: S$327 (inclusive of GST) must be paid to enjoy welcome offers.
- Annual Fee required
SingSaver's take
The Platinum Credit Card’s best perks are their Platinum Dining and Lifestyle benefits, as well as the bonus points you earn with 10XCelerator partners. But if you’re not into all of that, the True Cashback Card may be a better bet at nearly half the price.
Pros
Enjoy plush lifestyle perks and earn bonus membership points when you shop with select high-end merchants.
Cons
Unless you’re a big fan of Amex’s 10XCelerator merchants, other cards may give you more bang for your buck.
Maybank World Mastercard
Maybank World Mastercard
- Earn 10X TREATS Points (4 miles) per S$1 spent at specially selected retail stores, restaurants, and all petrol stations islandwide+.
- Get up to 20.05% savings on petrol.
- Complimentary green fees at world-class golf fairways.
- Complimentary enrolment into Rewards Infinite Programme: TREATS Points never expire.
- Free air miles conversion
- Complimentary Plaza Premium airport lounge access with a minimum charge of S$1,000 in a single retail transaction.
- Complimentary travel insurance coverage of up to S$1,000,000 when air tickets/travel packages are charged in full to the card.
- Dining rebate
- Retail rebate
- Petrol rebate
- Airport lounge
- TREATS Points awarded calculated based on blocks of S$5.
- Annual income requirement: S$80,000.
- Annual fee: S$240 (waived for first year only)
SingSaver's take
Do you have a passion for golf and love to eat and travel? In that case, the Maybank World Mastercard may be the perfect card for you. But if you find tracking local spend too onerous and don’t travel often, there may be other cards more suited to your taste.
Pros
Frequent travellers will love the 3.2 miles they will earn on overseas spend. Drivers will also stand to gain substantial fuel savings with the Maybank World Mastercard.
Cons
People who aren’t avid golfers or travellers will not be able to fully unlock the benefits of this card.
How to maximise your savings on fuel expenses at SPC?
Certificate of Entitlement (COE), road tax, Additional Registration Fee (ARF) and so on. The list of reasons why cars are so expensive in Singapore is long and petrol prices are a contributing factor too. If you live or work near SPC stations, here are some tips on how to stretch your dollar and earn extra membership points for more fuel savings.
Sign up for an SPC&U membership
Now that you know all about the benefits of an SPC&U membership, it’s time to sign up for an SPC&U card for even more goodies. Simply visit any SPC station and approach the cashier for an SPC&U card. You can either: scan the QR code on the card with your smartphone to register, or visit “www.spc.com.sg/members” using your phone, tablet or personal computer.
SPC&U promo periods & special offers
Stay informed about ongoing promotions, special offers, or discounts at SPC stations. These promotions may include limited-time discounts or bonus rewards points that can help you save more money.
SPC&U membership benefits
Registered SPC&U members receive instant SPC&U card discounts, members' treats, e-coupons, access to attractive programmes and exclusive members-only SPC&U events.
If you're not familiar with SPC's e-coupons, think of them as limited-time discounts. For example, SPC is currently offering 4% e-coupons to private hire and taxi drivers who pump at least 5 litres of fuel with them per week. Note that e-coupons are single-use only and cannot be redeemed again once presented. They are also not exchangeable for cash.
Frequently asked questions about SPC credit card discounts
The UOB One Card, hands down. With up to 24% fuel savings and 10% cashback on groceries, food deliveries and more, this credit card is a powerful tool for drivers who regularly refuel at SPC stations. In second place we have the POSB Everyday Card, which gives you 20.1% in fuel savings and 6% cash rebates at SPC stations.
SPC occasionally issues e-coupons, which typically provide limited-time discounts. These e-coupons are redeemable by SPC members who are also SPC&U cardholders. Since SPC releases e-coupons at their own discretion, there’s no set schedule we can follow as the process is opaque. If your goal is to never miss out on an e-coupon, your best bet is to subscribe to SPC on all your socials and of course, register your SPC&U card at the members' only online portal.
SPC periodically runs promotions where credit card or SPC members may be able to redeem freebies with a minimum petrol spend of a set amount. Check their website weekly if you refuel frequently at SPC so you don't miss out on any deals! Here are 2 ongoing promos:
-
POSB Everyday Card members can redeem a free 1kg bag of SongHe rice with 4 stamps. (Min. spend of S$70 required for 1x stamp.)
-
SPC members get S$3 off standard car washes and vacuum cleaning with a min. spend of S$70 at select SPC stations.
-
Do you mean the POSB Everyday Card, which gives you discounts on SPC petrol? A rewards card for daily spend, the popular Everyday Card is great for offsetting daily expenses with cash rebates, on everything from groceries to public transport rides. Stack the POSB Everyday Card's benefits with that of the SPC&U card for up to 20.1% in fuel savings.
Be sure to not confuse the SPC&U programme with the SPC&U card. While the former grants you instant discounts without the hassle of registration, the latter is a contactless card that also confers members' only discounts, events and e-coupons. You can get your SPC&U card from any cashier-on-duty at an SPC station. Do register your card on the members' portal online to get the full benefits you are entitled to.
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