Compare the Best Petrol Credit Cards in Singapore 2022

Save up to 21% when you pump petrol at petrol stations like Shell, Esso, SPC and Caltex. Compare petrol credit cards and discounts. Read More
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Citibank logo
MoneySmart Exclusive
Cashback on Dining, Groceries & Grab

Citi Cash Back Card

Max. Savings at Esso & Shell
20.88%
Instant Discount at Esso & Shell
14%
Cash Back at all Other Petrol Stations
8%

Apply and spend $500 to get an Apple Watch SE (worth $419) OR the Sony WF-1000XM4 Wireless Noise Cancelling Headphones (worth $379) OR $350 Cash via PayNow! T&Cs apply

Valid until 31 Jan 2022 - See more details below
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Standard Chartered logo
MoneySmart Exclusive
With 6-month Disney+ Subscription

Standard Chartered Unlimited Cashback Credit Card

Max. Savings at Caltex (Platinum 98)
21.04%
Instant Discount at Caltex (Platinum 98)
16%
Cash Back at all Other Petrol Stations
1.5%

Apply and spend $250 to get a Samsung Galaxy A7 Tab Lite Wi-Fi (worth $228) or $250 Cash via PayNow. T&Cs apply.

Valid until 14 Feb 2022 - See more details below
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Citibank logo
MoneySmart Exclusive
Earn S$1 = 3 miles on local travel spend*

Citi PremierMiles Card

Max. Savings at Esso & Shell
14%
Instant Discount at Esso & Shell
14%
on all Other Petrol Stations
S$1 = Up to 1.2 Miles

Apply and spend $500 to get an Apple Watch SE (worth $419) OR the Sony WF-1000XM4 Wireless Noise Cancelling Headphones (worth $379) OR $350 Cash via PayNow! T&Cs apply

Valid until 31 Jan 2022 - See more details below
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HSBC logo
Online Promo
Cashback for Family Spending

HSBC Visa Platinum Credit Card

Max. Savings at Caltex
Up to 20.2%
Max. Instant Discount at Shell
14%
Cash Back at all Other Petrol Stations
Up to 5%
Online Promo:
Get up to $200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $60 cashback. T&Cs apply.
Valid until 28 Feb 2022 - See more details below
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Citibank logo
MoneySmart Exclusive
Earn Points for Online Spending

Citi Rewards Card

Max. Savings at Esso & Shell
14%
Instant Discount at Esso & Shell
14%
per S$1 spent at all Other Petrol Stations
1 Point

Apply and spend $500 to get an Apple Watch SE (worth $419) OR the Sony WF-1000XM4 Wireless Noise Cancelling Headphones (worth $379) OR $350 Cash via PayNow! T&Cs apply

Valid until 31 Jan 2022 - See more details below
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HSBC logo
Online Promo
Earn Points for Everyday Spending

HSBC Revolution Credit Card

Max. Savings at Caltex or Shell
16%
Instant Discount at Caltex & Shell
16%
per S$1 spent at all Other Petrol Stations
1 Point
Online Promo:
Get up to $200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $60 cashback. T&Cs apply.
Valid until 28 Feb 2022 - See more details below
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DBS logo
Online Promo
Earn Miles That Never Expire

DBS Altitude Visa Signature Card

Max. Savings at SPC
15%
SPC & U Members Card discount
10%
Refuel at Esso
S$1 = 2.4 miles
Online Promo:
Get up to 38,000 Miles with promo code ALTAF and spend a minimum of S$6,000 to your card in 90 days from card approval date. Valid till 31 January 2022. T&Cs apply.
Valid until 31 Jan 2022 - See more details below
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POSB logo
Online Promo
Earn Cash Rebates that Never Expire

POSB Everyday Card

Groceries, Online Shopping and Online Food Delivery
Up to 10%
Cash Rebates on Utilities and Telecommunications bill payments
Up to 3%
Fuel Savings at SPC
Up to 21.8%
Online Promo:
Get powered up with up to 18% cashback when you apply online for a DBS/POSB Credit Card with the promo code “MORECASH”. Valid till 31 Jan 2022.

Valid until 31 Jan 2022 - See more details below
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UOB logo
Bank Promo

UOB One Card

Max. Savings at Shell or SPC
Up to 24%
Instant Discount at Shell / SPC
10%/15%
Cash Back at all Other Petrol Stations
Up to 5%
Bank Promo:
Get a Secret Lab Titan Evo (Worth $619) if you are among the first 200 new to UOB Card Members to make a min spend of S$3,000 per promotion month. 
Valid until 21 Jan 2022 - See more details below
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HSBC logo

HSBC Visa Infinite Credit Card

Max. savings at Caltex or Shell
Up to 20.2%
Instant Discount at Caltex and Shell
16%
per S$1 spent at all Other Petrol Stations
1 Air Mile
Apply Now
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OCBC logo
High Spend on Dining

OCBC 365 Credit Card

Max. Savings at Caltex or Esso
Up to 23%
Instant Discount at Caltex / Esso
16%/14%
Cashback at all Other Petrol Stations
5%
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DBS logo
Online Promo
Earn Miles That Never Expire

DBS Altitude American Express Card

Max. Savings at SPC
15%
SPC & U Members Card discount
10%
Refuel at Esso
S$1 = 2.4 miles
Online Promo:
Get up to 38,000 Miles with promo code ALTAF and spend a minimum of S$6,000 to your card in 90 days from card approval date. Valid till 31 January 2022. T&Cs apply.
Valid until 31 Jan 2022 - See more details below
Apply Now
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Maybank logo

Maybank World Mastercard

on all Petrol Stations
10X Points
savings at Shell
19.1%
Rewards to Miles Conversion for Selected Airline Partners
1 Point = 0.5 miles
Apply Now
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Bank of China logo

Bank of China Zaobao Credit Card

Max. savings at Shell and SPC stations
Up to 23.5%
Min. Spend per month
S$600
Cap on cashback
S$60
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Standard Chartered logo
Card + Current Account Bundle

Standard Chartered Platinum Visa/MasterCard Credit Card

Max. Savings at Caltex (Platinum 98)
19.78%
Instant Discount at Caltex (Platinum 98)
16%
per S$1 spent at all Other Petrol Stations
1 Point
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OCBC logo

OCBC Titanium Rewards Card (Blue)

Onsite Discount at Caltex
16%
Fuel Savings at Esso
14%
with 10,500 OCBC$
S$30 Esso Synergy Voucher
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OCBC logo

OCBC Titanium Rewards Card (Pink)

Onsite Discount at Caltex
16%
Fuel Savings at Esso
14%
with 10,500 OCBC$
S$30 Esso Synergy Voucher
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OCBC logo

NTUC Plus! Visa Credit Card

Fuel Savings at Esso
20.6%
Instant Discount at Caltex
18%
LinkPoints per S$1 spent at all Other Petrol Stations
0.22
Read More
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OCBC logo

OCBC Cashflo Credit Card

Savings at Esso
14%
Onsite Discount at Caltex
16%
Min. Spend per month
S$0
Read More
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OCBC logo

OCBC Plus! Visa Credit Card

Fuel Savings at Esso
20.6%
Instant Discount at Caltex
18%
per S$1 spent at all Other Petrol Stations
0.22 LinkPoints
Read More
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Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Petrol Credit Card Discount 2021

Credit CardMaximum Fuel SavingsInstant Discount
DBS Esso Card27.60%17.0%
UOB One Card24.00%15.0%
OCBC 365 Credit Card23.00%16.0%
Standard Chartered Unlimited Cashback Card21.04%16.0%
POSB Everyday Card20.10%15.0%
Citi Cash Back Card20.88%14.0%

Petrol Station Loyalty Cards

In order to maximize the savings on your fuel spending, choose your preferred petrol station (Esso, Shell, Caltex, and SPC) and enroll yourself into the respective loyalty programs. Do note that for some petrol stations, you would need to present the loyalty card at the time of purchase so do not forget to bring them with you when refueling your car or motorbike!

Esso Smiles loyalty card

The Esso Smiles loyalty card lets you earn 1 Smiles rewards point per liter of Esso Synergy fuel you pump. Pair that with the right credit card and you’re looking at as much as 27% in savings. It should come as no surprise that the DBS Esso Card currently offers the best Esso discount in Singapore

Shell Escape Card

Shell Escape Loyalty Program lets you earn 1 point per liter of Shell FuelSave petrol. You can also earn points when you send your car for servicing and car washing. Right now, the best credit card to use with your Shell Escape card is the Citi Cash Back Card, which gives you up to 20.88% discount

SPC&U membership Card

To get cheaper petrol prices at SPC, you should definitely sign up for the SPC&U membership card. Rather than letting you earn points, it gives you a direct petrol discount (10% for petrol, 15% for diesel) - instant gratification. The best credit cards to use for SPC discounts are the UOB One Card or the POSB Everyday Card.

NTUC Plus! Visa Card

You can use that NTUC membership you signed up for at that roadshow. That’s right - apart from letting you earn LinkPoints at NTUC FairPrice, your NTUC Plus! Card also functions as the loyalty card for Caltex. The best credit cards for Caltex discounts are the Standard Chartered Unlimited Cashback or OCBC 365 Card. You can get up to about 21% in savings with these credit cards.

Esso Credit Card Discount

Credit CardsMaximum Fuel DiscountOther Rewards
DBS Esso Card27.60%8% cashback on Grab rides, Dining, Groceries & Petrol daily, worldwide
Citi Cash Back Card20.88%8% cashback on Grab rides, Dining, Groceries & Petrol daily, worldwide
NTUC Plus! Visa Credit Card20.60%7% Cash Back at FairPrice Stores, Unity and Warehouse Club
OCBC 365 Credit Card20.40%6% Cashback on All day Dining and Food Delivery
Maybank World Mastercard19.10%10X TREATS Points (4 miles) per S$1 spent at selected outlets

Shell Credit Card Discount

Credit CardMaximum Fuel DiscountOther Rewards
UOB One Card21.70%Up to S$200 cash credit when you apply for a UOB One Card & Account
Citi Cash Back Card20.88%Get S$200 NTUC/Taka/CapitaLand vouchers when you apply via MoneySmart
HSBC Visa Platinum Credit Card20.20%Get up to 5% Cash Back on Mobile/Internet/Cable TV recurring bills
Maybank World Mastercard19.10%Get a Samsonite Orfeo 69cm Spinner (worth S$420)

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Caltex Credit Card Discount

Credit CardMaximum Fuel DiscountOther Rewards
OCBC 365 Credit Card23.00%6% Cashback on dining everyday, both locally and overseas
Standard Chartered Unlimited Cashback Card21.04%Get S$150 in Prime Now Credits upon card card activation
HSBC Visa Platinum Credit Card20.20%Get a Samsonite Astra 55cm luggage (worth S$350)
Maybank World Mastercard19.10%First year fee waiver for Principal card

SPC Credit Card Discount

Credit CardMaximum Fuel SavingsOther Rewards
UOB One Card24.00%3.33% rebates with a min. spend of S$500 per month
POSB Everyday Card20.10%Get S$50 cashback and up to 20% cash rebates for new POSB Everyday Cardmembers
Maybank World Mastercard19.10%Get a Samsonite Orfeo 69cm Spinner

How to Save on Petrol Prices with Credit Cards

Pick your favourite petrol station

Unless you’re a die-hard cheapo trying to beat the system, it doesn’t really matter if you go to Esso, Shell, Caltex or SPC. The difference in their petrol prices is very small, and won’t matter to most people. Just pick one petrol chain that’s convenient for you and stick to it.

Always bring your loyalty card

Never pump petrol without your preferred petrol chain’s loyalty card, be it Esso Smiles, Shell Escape, Caltex Plus! or SPC&U. At the point of payment, you’ll need to show it to the cashier along with your credit card to get the full petrol discount.

Fill up only when your tank is empty

Don’t top up your tank as and when you feel like it - make sure your tank is empty enough before you fill ‘er up. That’s because you can often get a greater discount if your petrol cost hits a certain minimum.

Meet the minimum spending requirements

Some of these credit cards have a minimum spending requirement to meet before you can get your full cash rebate. Don’t let your money-saving efforts go to waste by neglecting it.

Switch card when you hit the Cashback cap

While we’re on the topic of terms & conditions, remember to check the cash rebates cap on your petrol credit card too. The higher the rebates, the quicker you’ll hit the cap. If your petrol consumption is high, consider carrying a backup petrol credit card for these cases.