Updated November 2018
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.
20.88%
Max. Savings at Esso & Shell
14%
Instant Discount at Esso & Shell
8%
Cash Back at all Other Petrol Stations
| Annual Interest Rate | 26.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | $96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 1% or S$50, whichever is higher |
| Interest Free Period | 25 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $42,000 |
| Card Association | MasterCard, Visa |
|---|---|
| Wireless Payment | Visa payWave, MasterCard PayPass, Samsung Pay, Citi Pay |
21.04%
Max. Savings at Caltex (Platinum 98)
16%
Instant Discount at Caltex (Platinum 98)
1.5%
Cash Back at all Other Petrol Stations
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 1% or S$50, whichever is higher |
| Interest Free Period |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay |
20.1%
Max. Savings at SPC
15%
Instant Discount at SPC
0.3%
Cash Back at all Other Petrol Stations
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 96.3 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or $80, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 1st supplementary card free; $96.30 for subsequent cards |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% of S$50, whichever is higher |
| Interest Free Period | 21 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Android Pay, Mighty Pay |
Up to 23%
Max. Savings at Caltex or Esso
16%/14%
Instant Discount at Caltex / Esso
5%
Cashback at all Other Petrol Stations
| Annual Interest Rate | 26.88% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | S$96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 24.46% |
|---|---|
| Principle Annual Fee | $589 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | 1% of S$50, whichever is higher |
| Interest Free Period | 22 days |
| Singaporean | $150,000 |
|---|---|
| Foreigner | $150,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave |
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
| Annual Interest Rate | 28.88% |
|---|---|
| Principle Annual Fee | $190 |
| Supplementary Annual Fee | $95 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | UnionPay |
|---|---|
| Wireless Payment | N/A |
27.6%
Max. Savings at Esso
17%
Instant Discount at Esso
1 Smiles Point
per 1 litre of Synergy fuel purchased at Esso
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $86 |
| Supplementary Annual Fee | 42.8 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay |
10X Points
on all Petrol Stations
19.1%
savings at Shell
1 Point = 0.5 miles
Rewards to Miles Conversion for Selected Airline Partners
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $240 |
| Supplementary Annual Fee | Free |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$20, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $80,000 |
|---|---|
| Foreigner | $80,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | MasterCard PayPass |
14%
Max. Savings at Esso & Shell
14%
Instant Discount at Esso & Shell
1.2 Miles
per S$1 spent at all Other Petrol Stations
| Annual Interest Rate | 26.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | Complimentary |
| Fee Waiver | Avaliable |
| Minimum Monthly Repayment | 1% or S$50, whichever is higher |
| Interest Free Period | 25 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $42,000 |
| Card Association | Visa, American Express |
|---|---|
| Wireless Payment | Visa payWave, Samsung Pay, Citi Pay |
14%
Max. Savings at Esso & Shell
14%
Instant Discount at Esso & Shell
1 Point
per S$1 spent at all Other Petrol Stations
| Annual Interest Rate | 26.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | $96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 1% or S$50, whichever is higher |
| Interest Free Period | 25 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $42,000 |
| Card Association | MasterCard, Visa |
|---|---|
| Wireless Payment | Master PayPass, Visa payWave, Samsung Pay, Citi Pay |
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | N/A |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 1% or S$50, whichever is higher |
| Interest Free Period |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $60,000 |
| Card Association | MasterCard, Visa |
|---|---|
| Wireless Payment | MasterCard PayPass, Visa payWave, Apple Pay, Samsung Pay, Google Pay |
16%
Max. Savings at Caltex or Shell
16%
Instant Discount at Caltex & Shell
1 Point
per S$1 spent at all Other Petrol Stations
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $150 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $40,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
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
| Annual Interest Rate | 25.90% |
|---|---|
| Principle Annual Fee | $650 |
| Supplementary Annual Fee | 0.0 |
| Fee Waiver | Not Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 20 days |
| Singaporean | $120,000 |
|---|---|
| Foreigner | $120,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay |
16%
Onsite Discount at Caltex
14%
Fuel Savings at Esso
S$30 Esso Synergy Voucher
with 10,500 OCBC$
| Annual Interest Rate | 26.88% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | $96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
20.6%
Fuel Savings at Esso
18%
Instant Discount at Caltex
0.22
LinkPoints per S$1 spent at all Other Petrol Stations
| Annual Interest Rate | 25.92% |
|---|---|
| Principle Annual Fee | N/A |
| Supplementary Annual Fee | Complimentary, up to 3 supplementary cards |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
20.6%
Fuel Savings at Esso
18%
Instant Discount at Caltex
0.22 LinkPoints
per S$1 spent at all Other Petrol Stations
| Annual Interest Rate | 25.92% |
|---|---|
| Principle Annual Fee | $107 |
| Supplementary Annual Fee | Complimentary, up to 3 supplementary cards |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
Use our new KrisFlyer miles redemption calculator and find out which destinations you can travel for free on a travel class of your choice.
Esso is easily the most popular petrol station chain here and it has its following of loyal fans. Unfortunately, Esso does NOT always have the cheapest petrol prices in Singapore, so any discount will definitely help.
If you’re a fan, you should get the Esso Smiles loyalty card, which lets you earn 1 Smiles rewards point per litre 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.
The other super popular petrol kiosk chain is Shell, which is understandable as it has the most petrol stations in Singapore.
Their loyalty programme is called Shell Escape, and you earn 1 point per litre 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.
Caltex may not have as many stations in Singapore as Esso or Shell, but the good thing about pumping at Caltex is that 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.
SPC may not have a large fanbase like Shell or Esso, but has a respectably large network of petrol kiosks in Singapore.
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.
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.
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.
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.
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.
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.
