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.

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback Credit Card

Get up to S$80 cashback when you activate your card.

Offer ends 30 Sep 2019

Eligibility criteria, terms and conditions, fees and charges apply

Standard Chartered Unlimited Cashback Credit Card

Apply today and get 1.5% cashback on all spend. No minimum spend. No cashback cap.

  • Principal Annual Fee: S$0 annual fee for 2 years - S$192.60 thereafter.
  • Cashback Rate: 1.5%
  • Annual Interest Rate: 26.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$60,000
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Compare petrol credit cards

Name Product Petrol Reward Reward Annual Fee Min Income - Singaporean and PR
Up to 21.04% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019.
1.5% cashback on all spend with no cap and no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
Up to 19.78% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019
Up to 10X rewards points for every S$1 spent in foreign currency
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of the card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
Up to 21% petrol savings plus earn 5% cashback at SPC stations
1.5% cashback on all purchases with no minimum spend and no cap
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Receive 3% Cashback bonus and up to S$150 Cashback when you spend S$5,000 in the first six months.
16% discount at Caltex stations (ends 31 Dec 2019) and 14% discount at Shell stations (ends 8 Sep 2019).
Up to 5% cash rebate on groceries, fuel and dining
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
Up to 21% petrol savings at SPC stations
Get up to 1.1 KrisFlyer miles for every S$1 spent
S$0 annual fee for 1 year - S$176.55 thereafter
S$30,000
Earn 7,500 bonus KrisFlyer miles when you spend S$5,000 within three months of card approval. Ends 30 September 2019.
16% discount at Caltex stations (ends 31 Dec 2019) and 14% discount at Shell stations (ends 8 Sep 2019)
Up to 5X Rewards points (2 miles per S$1 spent) on online, dining and entertainment purchases
S$0 annual fee for 2 years - S$160.50 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
Up to 19.78% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019
Earn 1 Rewards point for every S$1 charged to your card
S$0 annual fee for 3 years - S$160.50 thereafter
S$30,000
Get a one-time cashback of S$65 on your electricity bill at participating OEM retailers. Ends 31 Aug 2019.
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
Receive a 1-night stay at Swissotel Singapore (worth S$529) when you pay the annual fee upon card approval and spend S$4,500 in the first 3 months. T&Cs apply. Ends 30 September 2019.
Up to 21% petrol savings at SPC stations
Get up to 1.2 KrisFlyer miles for every S$1 spent
S$337.05 annual fee
S$50,000
Earn 15,000 bonus KrisFlyer miles when you spend S$10,000 within three months of card approval. Ends 30 September 2019.
16% discount at Caltex stations (ends 31 Dec 2019) and 14% discount at Shell stations (ends 8 Sep 2019).
Up to 3.5% cashback on all purchases with no minimum spend
S$0 annual fee for 1 year (permanently waived for HSBC Advance banking customers) - S$192.60 thereafter
S$30,000
Get free Samsonite T5 68cm Spinner luggage with built-in scale worth S$560 or S$150 cash back when you spend S$800 in qualifying transactions from card approval to the end of the following month. T&Cs apply. Ends 30 Sep 2019.
20.88% in petrol savings at Esso and Shell stations.
Earn up to 8% cash back on dining, groceries and petrol.
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. Ends 31 December 2019.
Up to 14% petrol savings at Esso and Shell stations
Up to 5% savings on groceries, fast food, movies, and coffee.
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Receive a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. Ends 31 December 2019.
Up to 14% petrol savings at Esso and Shell stations.
10X Rewards on your shopping spend (local and overseas) and online purchases (except travel-related transactions), plus 1X Rewards Points on all other spend, no cap or minimum spend required
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. Ends 30 September 2019.
Up to 14% petrol savings at Esso and Shell petrol stations
2 Citi Miles for every S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally
S$0 annual fee for 1 year - S$192.60 thereafter
S$30,000
Receive 30,000 miles when you spend S$7,500 in the first 3 months and pay the annual fee.
Up to 21% petrol savings plus earn 8X STAR$ at SPC stations
Earn 3X STAR$ when you shop at participating CapitaLand malls
S$0 annual fee for 1 year - S$171.20 thereafter
S$30,000
Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) when you spend S$3,000 within the first three months of card approval. Ends 30 September 2019.
Up to 19.78% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019.
Up to S$60 cashback monthly with no minimum spend
S$0 annual fee for 2 years - S$192.60 thereafter
S$30,000
Get S$80 cashback with activation of card within 30 day upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
Up to 19.78% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019.
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
Get S$80 cashback with activation of card within 30 days upon approval. Existing cardholders will receive S$20. Ends 30 Sep 2019.
8% cash rebates on Caltex, Esso, Shell, SPC and Smart Energy petrol stations. Valid till 31 Dec 2019.
8% cash rebates on groceries, transport and selected merchants with S$1,000 min. monthly spend
S$0 annual fee for 3 years - S$180 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
5% cashback on petrol transactions (Caltex, Esso, Shell, SPC, Smart Energy)
5% cash rebate on petrol in Singapore and Malaysia
S$0 annual fee for 3 years - S$120 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
Earn 3.2 miles for every S$1 spent on petrol transactions booked via Agoda.com/horizon
Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon
S$0 annual fee for 3 years - S$150 thereafter
S$30,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.
10X TREATS Points for every S$1 spent on petrol stations. Valid till 31 Dec 2019.
10X TREATS Points (4 air miles) on every S$1 spent
S$0 annual fee for 1 year - S$240 thereafter
S$80,000
Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.

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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 25.07% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019. (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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