American Express (AMEX) has extended the SPC promo, giving cardholders a straightforward savings of up to 22.2% on petrol/fuel spending in Singapore.
Related: Best credit cards for Petrol in Singapore
AMEX SPC promo
From 15 Jan to 31 Dec 2026, American Express cardholders can get up to 22.2% fuel savings at SPC stations.
To qualify, you’ll need to be an SPC&U member (sign up for free at any SPC station if needed) and save the offer in your AMEX mobile app.
This promo is limited to the:
- First 5,000 AMEX True Cashback Card
- First 60,000 other AMEX cards
Each card can receive up to S$120 worth of statement credits throughout the entire promo period. As this cap is based on just 7.1% of additional discount, it translates to S$1,690 of fuel spending (an average of S$141 per month).
✍️ Need a higher cap? Simply sign up for another AMEX card, and once again, save the offer on the AMEX app for that particular card.
Here’s an example of how the savings are calculated for a S$100 gross fuel spending at SPC:
| Savings/Total | |
|---|---|
| AMEX cardholder | S$5 off (5% off S$100) |
| SPC&U member | S$10 off (10% off S$100) |
| Saved AMEX SPC Offer | S$6.04 off (7.1% off S$85) |
| Total (at the station) | S$78.96 (~21% off S$100) |
| Bonus: Total if paid with Amex True Cashback Card (with 1.5% cashback) | S$77.77 (~22.2% off S$100) |
Is this a good promo?
I’ve always seen this AMEX x SPC offer as the least complicated credit card promo for the best fuel savings, so it’s great to see it get extended until the end of the year.
As shared above, AMEX True Cashback cardholders will receive an additional 1.5% cashback for nett savings of just over 22%. Easy, right? No insane hoops and hurdles to navigate through, unlike a lot of other credit card x petrol partnerships.
As a bonus, SPC fuel prices tend to be a little bit cheaper than other fuel stations. So, you could potentially be saving around 23-24% with this AMEX x SPC combo!
Note: If you’re staying near a Sinopec station, you can regularly get 20-23% off fuel and even earn 4 miles per dollar with the right cards. This is a great way to save on fuel.
Best AMEX cards in Singapore
Unfortunately, American Express does not have any must-have miles or cashback cards in Singapore. Presently, I see the AMEX True Cashback as the only decent one for commonly excluded categories like Utilities, Hospitals/Clinics, Insurance and School Fees.
If you need a second or third AMEX card to double/triple your cap for this offer, sign up for those that come with a first-year annual fee waiver.
💡 Click on + Card Summary below to view key details like pros & cons, miles/cashback details, annual fee, income requirement, and more.
AMEX True Cashback
22% discount on fuel, 1.5% cashback on almost everything
Promo terms and conditions
Here are the terms and conditions for this AMEX SPC promo:
- If you have registered for any previous “Up to 21% savings” SPC Promotions with American Express, kindly register your Card again to enjoy this Promotion that commences on 15 Jan 2026.
- The total percentage savings of 21% is calculated based on:
- SPC 15% On-site Fuel Savings (defined below)
- 7.1% Savings via statement credit (defined below)
- Terms and Conditions for 15% On-site Fuel Savings at SPC at go.amex/spc15percent
- 15% on-site savings is available when:
- Payment is made with an eligible American Express® Card at the SPC cashier’s counter (5%); and
- SPC&U Membership Card is presented during payment (10%). (Non-SPC&U member will enjoy 5% savings).
- Terms and Conditions for 7.1% savings via statement credit, on all purchases at SPC
- Excludes transactions made at Manual Carwash outlets, SpeedyCare automotive centers, and electric vehicle (EV) charging points.
- 7.1% savings via statement credit are applicable on the final charge amount, after all other on-site savings are applied.
- The Promotion commences at 00:00 hrs (GMT +8) on Thursday 15 Jan 2026 and ends at 23:59 hrs (GMT +8) on Thursday 31 Dec 2026 (“Offer Period”).
- The Promotion is open to individuals who hold personal basic and/or supplementary American Express Cards issued in Singapore by American Express International Inc. only (“Eligible Cards”), excluding American Express Corporate Cards and American Express Cards issued by DBS Bank Ltd and United Overseas Bank Limited (“Card Members”).
- For The American Express® True Cashback Card, the offer is limited to the first 5,000 eligible Cards which are successfully registered for the offer.
- For all other Cards, the offer is limited to the first 60,000 eligible Cards which are successfully registered for the offer.
- This offer is only available for your targeted Card, and other Cards you hold may not be eligible.
- Offer is limited to S$120 credit per Card for the Promotion Period to which the offer is saved and only spend on this Card counts towards the Offer.
- Excludes transactions where you do not spend directly in-person at participating SPC location(s). Offer valid at Singapore location(s) only. Excludes online purchases.
- Excludes transactions made through a third party establishment or payment processor.
- Credit is not redeemable for cash or other payment form.
- Credit should appear on your billing statement within 15 business days from qualifying spend but may take up to 90 days from the offer end date.
- Credit will not be applied to your Card Account if it has been suspended or cancelled.
- Credit may be reversed if your qualifying purchase is refunded or cancelled.
- Full Offer Terms available here.
