Compare the Best Petrol Credit Cards in Singapore 2019

Updated June 2019

Cars in Singapore are expensive but you can certainly save on fuel! Get up to 21% discount when you pump petrol at petrol stations like Shell, Esso, SPC and Caltex. Compare petrol discounts and find the best one.

Popular Petrol Credit Cards

POSB Everyday Card

20.1%

Max. Savings at SPC

15%

Instant Discount at SPC

0.3%

Cash Back at all Other Petrol Stations

  • Enjoy up to S$120 cashback

20.1%

Max. Savings at SPC

15%

Instant Discount at SPC

0.3%

Cash Back at all Other Petrol Stations

Petrol Features

  • Up to 20.1% savings on petrol at SPC
  • 5% discount from any DBS/POSB Credit or Debit Card (except DBS Esso MasterCard) + 10% SPC&U Card discount + 6% POSB Everyday Card cash rebate after 5%+10% discount.

Annual Interest Rate and Fees

Annual Interest Rate26.80%
Principle Annual Fee$193
Supplementary Annual FeeS$96.3
Fee WaiverAvailable
Minimum Monthly Repayment3% or $80, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass, Apple Pay, Samsung Pay, Google Pay
UOB One Card

Up to 24%

Max. Savings at Shell or SPC

10%/15%

Instant Discount at Shell / SPC

Up to 5%

Cash Back at all Other Petrol Stations

Up to 24%

Max. Savings at Shell or SPC

10%/15%

Instant Discount at Shell / SPC

Up to 5%

Cash Back at all Other Petrol Stations

Petrol Features

  • At SPC Stations, up to 24% savings on fuel purchases
  • At Shell Stations, up to 20.8% savings on fuel purchases

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee1st supplementary card free; $96.30 for subsequent cards
Fee WaiverAvailable
Minimum Monthly Repayment3% of S$50, whichever is higher
Interest Free Period21 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay
OCBC 365 Credit Card

Up to 23%

Max. Savings at Caltex or Esso

16%/14%

Instant Discount at Caltex / Esso

5%

Cashback at all Other Petrol Stations

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

Up to 23%

Max. Savings at Caltex or Esso

16%/14%

Instant Discount at Caltex / Esso

5%

Cashback at all Other Petrol Stations

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

Petrol Features

  • Up to 23% discount at Caltex: 16% upfront discount on Platinum 98 with Techron® Caltex + 4.2% cashback with min. S$800 spend + 2.8% cashback with min. S$300 nett fuel spend.
  • Up to 20.4% discount at Esso: 14% upfront discount + 4.3% cashback with min. S$800 spend + 2.1% cashback with min. S$200 nett fuel spend.
  • 5% cashback on fuel spend at all petrol service stations locally and overseas

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
Standard Chartered Visa Infinite Credit Card

25.07%

Max. Savings at Caltex (Platinum 98)

16%

Instant Discount at Caltex (Platinum 98)

1.4 Miles

per S$1 spent at all Other Petrol Stations

Online Promotion: Get 35,000 Welcome Miles + Instant Digital Card Approval Valid till 30 Jun 2019.

25.07%

Max. Savings at Caltex (Platinum 98)

16%

Instant Discount at Caltex (Platinum 98)

1.4 Miles

per S$1 spent at all Other Petrol Stations

Online Promotion: Get 35,000 Welcome Miles + Instant Digital Card Approval Valid till 30 Jun 2019.

Petrol Features

  • Get S$20 Cashback when you apply for SCB Visa Infinite Card via MyInfo and get instant card approval, and spend minimum S$1 within 3 days from approval date
  • Get 35,000 Miles and receive instant digital card approval with MyInfo when you apply for SCB Visa Infinite Credit Card via MoneySmart
  • Up to 25.07% effective fuel savings at Caltex (16% onsite discount on Caltex Platinum 98 petrol + 10.80% rebate on nett transaction)

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$589
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment1% of S$50, whichever is higher
Interest Free Period22 days

Minimum Income Requirements

Singaporean$150,000
Foreigner$150,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave
Maybank World Mastercard

10X Points

on all Petrol Stations

19.1%

savings at Shell

1 Point = 0.5 miles

Rewards to Miles Conversion for Selected Airline Partners

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

10X Points

on all Petrol Stations

19.1%

savings at Shell

1 Point = 0.5 miles

Rewards to Miles Conversion for Selected Airline Partners

Online Promotion: Get S$100 Cash Credit with Maybank Credit Cards and CreditAbleValid till 31 Jul 2019.

Petrol Features

  • Earn 10X TREATS Points (or 4 air miles) for every S$1 spent on all petrol stations
  • Up to 19.1% exclusive savings on petrol

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$240
Supplementary Annual FeeFree
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$20, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$80,000
Foreigner$80,000

Other

Card AssociationMasterCard
Wireless PaymentMasterCard PayPass
Bank of China Zaobao Credit Card

Up to 30.7%

Max. savings at Shell and SPC stations

23%

Instant Discount at Shell and SPC

S$1 = 1X Point

For all local spend

Up to 30.7%

Max. savings at Shell and SPC stations

23%

Instant Discount at Shell and SPC

S$1 = 1X Point

For all local spend

Petrol Features

  • Up to 30.7% savings at Shell Stations: 5% Shell site discount + 5% Shell Escape discount + 23% BOC card Cash Rebate
  • Up to 30.7% savings at SPC Stations: 10% SPC&U member discount OR 5% Non-SPC member discount + 23% BOC card Cash Rebate

Annual Interest Rate and Fees

Annual Interest Rate28.88%
Principle Annual Fee$190
Supplementary Annual Fee$95
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationUnionPay
Wireless PaymentN/A

Get S$200 Vouchers

Citi PremierMiles Visa Card

14%

Max. Savings at Esso & Shell

14%

Instant Discount at Esso & Shell

1.2 Miles

per S$1 spent at all Other Petrol Stations

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.
  • Get 30,000 Citi Miles when you apply & spend

14%

Max. Savings at Esso & Shell

14%

Instant Discount at Esso & Shell

1.2 Miles

per S$1 spent at all Other Petrol Stations

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR CapitaLand Vouchers! Applies to new to bank customers.Valid till 30 Jun 2019.

Petrol Features

  • 14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% Citicard discount
  • 13.6% discount at Shell stations - 5% Shell site discount + 5% Shell Escape discount + 4% Citi Rebate (applies after Shell discount)

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual FeeComplimentary
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa, American Express
Wireless PaymentVisa payWave, Samsung Pay, Citi Pay

Get S$200 or 30k Points

Citi Rewards Card

14%

Max. Savings at Esso & Shell

14%

Instant Discount at Esso & Shell

1 Point

per S$1 spent at all Other Petrol Stations

MoneySmart Exclusive: Get S$200 vouchers OR 30,000 Citi ThankYouSM Points! Applies to new to bank customers.Valid till 30 Jun 2019.

14%

Max. Savings at Esso & Shell

14%

Instant Discount at Esso & Shell

1 Point

per S$1 spent at all Other Petrol Stations

MoneySmart Exclusive: Get S$200 vouchers OR 30,000 Citi ThankYouSM Points! Applies to new to bank customers.Valid till 30 Jun 2019.

Petrol Features

  • 14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% Citicard discount
  • 14% discount at Shell stations - 5% Shell site discount + 5% Shell Escape discount + 4% Citi Rebate (applies after Shell discount)
  • S$1 spent = 1 Rewards point (All other spend)

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMaster PayPass, Visa payWave, Samsung Pay, Citi Pay
HSBC Visa Platinum Credit Card

Up to 20.2%

Max. Savings at Caltex or Shell

Up to 16%

Max. Instant Discount at Caltex & Shell

Up to 5%

Cash Back at all Other Petrol Stations

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

Up to 20.2%

Max. Savings at Caltex or Shell

Up to 16%

Max. Instant Discount at Caltex & Shell

Up to 5%

Cash Back at all Other Petrol Stations

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

Petrol Features

  • Up to 20.2% in savings at Shell and Caltex stations
  • 16% instant discount Caltex stations (5% site discount + 9% HSBC card discount + 2% outdoor fuel payment discount)
  • 14% instant discount at Shell stations (5% site discount + 5% Shell Escape discount + 4% HSBC card discount)
  • 5% in cash rebates with min. spend $600/month for all 3 months in a calendar quarter

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$193
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
Standard Chartered Platinum Visa/MasterCard Credit Card

19.78%

Max. Savings at Caltex (Platinum 98)

16%

Instant Discount at Caltex (Platinum 98)

1 Point

per S$1 spent at all Other Petrol Stations

19.78%

Max. Savings at Caltex (Platinum 98)

16%

Instant Discount at Caltex (Platinum 98)

1 Point

per S$1 spent at all Other Petrol Stations

Petrol Features

  • Up to 19.78% effective fuel savings at Caltex (16% onsite discount + 3.78% rebate on nett transaction)

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual FeeN/A
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period

Minimum Income Requirements

Singaporean$30,000
Foreigner$60,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Google Pay
HSBC Revolution Credit Card

16%

Max. Savings at Caltex or Shell

16%

Instant Discount at Caltex & Shell

1 Point

per S$1 spent at all Other Petrol Stations

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

16%

Max. Savings at Caltex or Shell

16%

Instant Discount at Caltex & Shell

1 Point

per S$1 spent at all Other Petrol Stations

Online Promotion: Get a Samsonite T5 Spinner with built-in scale (worth S$560) OR S$150 Cash Back Valid till 31 Jul 2019.

Petrol Features

  • Up to 16% instant discount Caltex stations
  • 16% instant discount at Shell stations

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$150
Supplementary Annual Fee0.0
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$40,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
HSBC Visa Infinite Credit Card

Up to 20.2%

Max. savings at Caltex or Shell

16%

Instant Discount at Caltex and Shell

1 Air Mile

per S$1 spent at all Other Petrol Stations

Online Promotion: Welcome Gift: 35,000 Air MilesValid till 30 Jun 2019.

Up to 20.2%

Max. savings at Caltex or Shell

16%

Instant Discount at Caltex and Shell

1 Air Mile

per S$1 spent at all Other Petrol Stations

Online Promotion: Welcome Gift: 35,000 Air MilesValid till 30 Jun 2019.

Petrol Features

  • 14% instant discount at Shell stations
  • Up to 16% instant petrol discount at Caltex Petrol Stations

Annual Interest Rate and Fees

Annual Interest Rate25.90%
Principle Annual Fee$650
Supplementary Annual Fee0.0
Fee WaiverNot Available
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period20 days

Minimum Income Requirements

Singaporean$120,000
Foreigner$120,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay
OCBC Titanium Rewards Card (Blue)

16%

Onsite Discount at Caltex

14%

Fuel Savings at Esso

S$30 Esso Synergy Voucher

with 10,500 OCBC$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

16%

Onsite Discount at Caltex

14%

Fuel Savings at Esso

S$30 Esso Synergy Voucher

with 10,500 OCBC$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

Petrol Features

  • 14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% OCBC card discount
  • 16% upfront discount at Caltex stations, includes station onsite discount and OCBC card discount

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
OCBC Titanium Rewards Card (Pink)

16%

Onsite Discount at Caltex

14%

Fuel Savings at Esso

S$30 Esso Synergy Voucher

with 10,500 OCBC$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

16%

Onsite Discount at Caltex

14%

Fuel Savings at Esso

S$30 Esso Synergy Voucher

with 10,500 OCBC$

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

Petrol Features

  • 14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% OCBC card discount
  • 16% upfront discount at Caltex stations, includes station onsite discount and OCBC card discount

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
NTUC Plus! Visa Credit Card

20.6%

Fuel Savings at Esso

18%

Instant Discount at Caltex

0.22

LinkPoints per S$1 spent at all Other Petrol Stations

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.
  • Get S$20 cash credit for adding a Savings Account to your card application!
  • +1 more

20.6%

Fuel Savings at Esso

18%

Instant Discount at Caltex

0.22

LinkPoints per S$1 spent at all Other Petrol Stations

Online Promotion: Get Instant Approval + S$50 Cash Rebate! Applies to new to bank customers.Valid till 31 Jul 2019.

Other Promotions

  • Enjoy deals from SCORE Program Benefits

Petrol Features

  • Up to 18.5% Discount at Esso and earn 2.2% Smiles savings
  • Up to 18% Discount at Caltex: 5% Site Discount + 13% NTUC Plus! Card Discount + 0.2% LinkPoints rebate and earn 3 LinkPoints for every litre of fuel (valid till 30 Jun 2019)

Annual Interest Rate and Fees

Annual Interest Rate25.92%
Principle Annual FeeN/A
Supplementary Annual FeeComplimentary, up to 3 supplementary cards
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
Show more cards

Best Credit Card for Petrol 2019 - Singapore

Petrol Credit Card Discount 2018

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)

Try MoneySmart’s new KrisFlyer miles calculator

Use our new KrisFlyer miles redemption calculator and find out which destinations you can travel for free on a travel class of your choice.

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.