Petrol credit cards

Want to earn points for refuelling your vehicle? Compare and apply for a petrol rewards credit card.

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A petrol rewards credit card is designed to help you save on petrol costs and earn you reward points and cash rebates. When choosing a petrol card, consider your preferences and needs as well as the pros and cons of each card.

Top Petrol rewards card

HSBC Revolution Credit Card

Receive S$150 cash back or a Samsonite Prestige 69cm Spinner Exp (worth SS670) luggage

Offer ends 30 June 2020

Eligibility criteria, terms and conditions, fees and charges apply.

Top Petrol rewards card

  • Principal Annual Fee: S$0 annual fee for 2 years - S$160.50 thereafter.
  • Cashback Rate: 0%
  • Annual Interest Rate: 25.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$40,000
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Compare petrol credit cards

Name Product Petrol Reward Reward Annual Fee Min Income - Singaporean and PR
HSBC Revolution Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 14% off and up to 5% cash rebates at Shell stations (ends 31 Dec 2020).
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Citibank SMRT Card
up to 14% petrol savings at Shell and Esso stations.
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
HSBC Visa Platinum Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 14% discount up to 5% cash rebates at Shell stations (ends 31 Dec 2020).
Earn 1 Reward point for every $1 on all spend.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Standard Chartered Spree Credit Card
Up to 20.2% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2020.
Up to 20% savings on your fuel
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Enjoy up to 3% cashback on all online spend in foreign currency and all vPost spend. Plus, up to 25% off on postal services and lots more.
Citi Cash Back Card
up to 20.88% at Shell and Esso stations.
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Standard Chartered NUS Alumni Platinum Credit Card
Up to 20.2% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2020
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
Citi PremierMiles Card
up to 14% petrol savings at Shell and Esso stations.
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 30 June 2020.
HSBC Advance Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 14% discount nd up to 5% cash rebates (ends 31 Dec 2020).
Enjoy annual fee waivers, up to 16% off your fuel, 1-for1 lifestyle offers, and more
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth SS670) or S$150 cashback with minimum spend of S$800 in qualifying transactions from card approval to the end of the following month. Receive an additional S$20 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 30 June 2020.
Citi Rewards Credit Card
up to 14% petrol savings at Shell and Esso stations.
10X Rewards on certain shopping spend, including online purchases
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. Ends 30 June 2020.
Standard Chartered Rewards+ Credit Card
Up to 20.2% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2020
Up to 10X rewards points for every S$1 spent in foreign currency on
overseas retail, dining and travel
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Apply today and enjoy a range of perks including 1-for-1 movie tickets with Cathay Cineplexes. Plus, complimentary travel medical insurance.
UOB One Card
Petrol savings of up to 24%.
Up to 10% cashback on Grab and UOB Travel transactions; 6% for your Singapore Power bill; and 5% back on all other spending
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
Standard Chartered Unlimited Cashback Credit Card
Up to 21.46% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2020.
Shopping, travel and lifestyle offers at over 3,000 outlets in Asia
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. End 31 May 2020.
Maybank Horizon Visa Signature Card
Earn 3.2 miles for every S$1 spent on petrol transactions booked via Agoda.com/horizon
Complimentary access to selected VIP airport lounges. Plus, travel cover of up to S$1,000,000. Ts&Cs apply
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
American Express CapitaCard
Up to 21% petrol savings plus earn 8X STAR$ at SPC stations
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Add supplementary cardholders and get S$20 worth of CapitaVouchers for each approved member (up to two cardholders). Ends 30 April 2020.
American Express Singapore Airlines KrisFlyer Credit Card
Up to 21% petrol savings at SPC stations
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership. Ends 30 April 2020.
American Express Platinum Credit Card
Up to 21% petrol savings at SPC stations
Up to 50% off your food bill for unlimited visits at hotels around Singapore
S$321 annual fee
S$50,000
Get Samsonite luggage (worth S$600) and a 1-night stay at Swissotel The Stamford Singapore (worth S$529) upon approval and spend S$4,500 in the first 3 months. Ends 13 April 2020.
UOB Delight Credit Card
Up to 20% savings with UOB Fuel Power
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian.
S$0 annual fee for 1 year - S$85.60 thereafter
S$30,000
Maybank DUO Platinum Mastercard
5% cashback on petrol transactions (Caltex, Esso, Shell, SPC, Smart Energy)
Car servicing vouchers, vehicle merchandise and more
S$120 annual fee
S$30,000
Get an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account at least S$300 in the first 2 months.
American Express True Cashback Card
Up to 21% petrol savings plus earn 5% cashback at SPC stations
Enjoy free travel insurance benefits of up to S$350,000
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Apply today and get a 3% Cashback bonus when you spend S$5,000 in the first six months.
DBS Woman's Card
Get 14% instant fuel savings at Esso
Up to 5X DBS Points (or 10 miles) per S$5 spent on online purchases
S$0 annual fee for 1 year - S$160.50 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 30 June 2020.
DBS Woman’s World Card
Get 14% instant fuel savings at Esso
Up to 10X DBS Points (or 20 miles) per S$5 spent on online and overseas purchases
S$0 annual fee for 1 year - S$192.60 thereafter
S$80,000
Get AirPods or S$200 cashback when you sign up by 30 June 2020.
DBS Altitude Card
Get 14% instant fuel savings at Esso
Earn up to 4 miles per S$1 spend, with no expiry.
S$0 annual fee for 1 year with 10,000 bonus miles - S$192.60 thereafter
S$30,000
Get AirPods or 38,000 miles when you sign up by 30 June 2020.
POSB Everyday Card
Get up to 20.1% fuel savings at SPC.
Enjoy up to 15% cash rebates on daily essentials.
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 30 June 2020.
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Compare up to 4 providers

How do petrol credit cards work?

A petrol credit card works similarly to a conventional credit card, allowing cardholders to earn rewards and/or rebates when they put their petrol expenses on the card.

Credit cards that offer petrol discounts are often tied to a type of rewards programme, such as cashback, miles or reward points. So on top of earning those rewards on eligible spending, you get to enjoy an instant discount with the specified petrol brand partner of the card.

Petrol rewards programs in Singapore

Petrol credit cards can provide discounts and savings just by purchasing petrol. How much savings you get to enjoy really depends on your lifestyle and spending habits. Since there are a number of features that are common for petrol credit cards, let’s take a look at some factors in which you might want to consider when making comparisons:

  • Petrol Brand. Most credit cards partner up with one or two petrol brands in which you can get a maximum discount from, so if you have a specific brand of petrol you use, you might want to take this into consideration. For instance, a card may offer you up to 20% off at Shell fuel stations, but only offer an 8% discount at other petrol stations.
  • Direct Discounts. Petrol card’s discounts scheme can be pretty confusing for some, since most banks publish the maximum discounts you get to enjoy but it is often less straightforward as we think. For example, when a bank says Card A gives you a maximum of 20% discount when you fill up your tank at Caltex stations, it may include a 15% instant discount which is made up of 10% Caltex membership discount + 5% Card A discount, and an additional 5% rebate you earn on your card with a minimum S$50 spent. Since it can be quite confusing, you may want to choose a card based on the absolute amount of direct discount you get without having to fulfil all the conditions.
  • Additional Rewards Programme. As mentioned, most petrol credit cards are tied to other rewards programmes, allowing you to enjoy the petrol savings and still earn rebates, reward points or air miles. You need to take a look at your lifestyle and spending habit to decide which type of rewards programme will help you get the most out of your monthly spend.

Fuel rewards cards for various petrol stations

There may be a lot of petrol credit cards to choose from, but some cards may bring in more savings for you depending on your lifestyle and spending habits. Most of these cards also come with an exclusive rewards program with a specific fuel company, so here’s a breakdown of some petrol credit cards in Singapore and their rewards programs:

Petrol stationCredit cardTotal discountReward pointsOther bonuses
Esso

DBS Esso Card

17% instant discount (5% site discount + 5% Smiles card discount + 7% card discount)

Additional monthly promotions (eg. Get up to an additional S$10 fuel savings with min. S$200nett fuel spend at Esso)

1 Litre of Synergy fuel = 1 Smiles Point (Fuel purchased at Esso)

Every S$10 charged outside of Esso = 1 Smiles Point* (Other retail spend)

May redeem S$10 worth of Synergy fuel with 300 Smiles Points or other rewards

Smile Points can also be converted to KrisFlyer miles, Asia Miles or Citi Dollars.

SPCUOB One CardUp to 24% discount at SPC

Up to 20.8% discount at Shell

7% SMART$ rebate for UOB One Card (For fuel purchased at Shell)1 SMART$ = S$1, which may be used to offset purchases at over 400 participating outlets.
SPCAmex True Cashback Credit CardUp to 15% discount (for existing AMEX cardholders)

Up to 21% (15% + additional 7.1%) if you’re amongst the 30,000 successfully registered cards for this promotion.

1.5% Cashback on any purchases, anytime
3% Cashback for first 6 months up to S$5,000 spend
ShellCiti Cashback CardUp to 20.88% discount at Esso stations (5% site discount + 5% Smiles card discount + 4% card discount + 8% Citi Cash Back Card cash back)

Up to 20.88% discount at Shell stations (5% site discount + 5% Shell Escape discount + 4% card discount + 8% Citi Cash Back Card cash back)

8% cash back on Dining, Grab, Groceries and Petrol daily (Cap at S$25 per category). Only applicable with a minimum of S$888 per statement month.

0.25% cashback for all other retail spend (no cap).
CaltexStandard Chartered Visa Infinite CardUp to 20.2% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2020. (10% site discount + 6% card discount + 10.8% card rebate)S$1 = 1.4 miles (local spend), S$1 = 3 miles (overseas spend)

Min. spend S$2,000/month, otherwise S$1 = 1 mile

35,000 miles welcome gift

What are the pros and cons of a fuel rewards card?

Pros

  • Discounts. Any instant discounts on your fuel spend is already money saved, so an opportunity to receive rewards for necessary costs is always a plus.
  • Supplementary cardholders earn rewards. You can often add a cardholder to your account, doubling the amount of points you could earn.
  • Extra benefits. Like any other regular credit cards, petrol cards often come with additional features such as a frequent flyer rewards programme, complimentary insurance or cash rebates that could provide you with other benefits.

Cons

  • Petrol Brand membership is required. The maximum amount of fuel savings you get with your credit card is often tied to the use of the petrol brand’s loyalty programme. This means that you will need to subscribe to their card and pay a membership fee, which is extra cost. You will also need to have the card with you when you fill up your tank in order to enjoy the maximum discount.
  • Restrictions. Most petrol credit card providers are partnered with a particular fuel brand. While you may still get petrol discounts with other brands, the percentage you get is significantly lower. Make sure the card is partnered with the petrol station you go to regularly.
  • Reward card competition. With such a wide range of rewards cards available, the petrol rewards card may not offer as much value compared with the competition. Consider how much you spend on petrol and where you want to see your rewards go.

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