Best* 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 the best petrol card for you, consider your preferences and needs as well as the pros and cons of each card. Let’s take a look.

Compare petrol credit cards

Name Product Petrol Reward Reward Annual Fee Min Income - Singaporean and PR
Standard Chartered Unlimited Cashback Credit Card
Up to 25.2% 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 the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
Standard Chartered Rewards+ Credit Card
Up to 24.2% 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 the first 2 years and 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.
Standard Chartered Spree Credit Card
Up to 24.2% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2020.
Up to 24.2% petrol savings at Caltex stations.
S$0 annual fee for the first 2 years and 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.
HSBC Visa Platinum Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 17% discount up to 5% cash rebates at Shell stations (ends 30 June 2020).
Earn 1 Reward point for every $1 on all spend.
S$0 annual fee for the first 2 years and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
Standard Chartered NUS Alumni Platinum Credit Card
Up to 24.2% 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 the first 2 years and S$192.60 thereafter
S$30,000
Apply today via MyInfo and receive up to S$100 cashback. Ends 30 September 2020.
HSBC Revolution Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 17% off and up to 5% cash rebates at Shell stations (ends 30 June 2020).
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$0 annual fee for the first 2 years and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
HSBC Advance Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 17% discount and up to 5% cash rebates (ends 30 June 2020).
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
Maybank DUO Platinum Mastercard
5% cash rebates on petrol in Singapore and Malaysia.
Car servicing vouchers, vehicle merchandise and more
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 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 the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank World Mastercard
10X TREATS Points for every S$1 spent on petrol stations. Valid till 31 Dec 2020.
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
S$0 annual fee for the first 1 year and S$240 thereafter
S$80,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Standard Chartered Platinum Visa Credit Card
Up to 24.2% 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 the first 2 years and S$192.60 thereafter
S$30,000
Earn 1 Rewards point for every S$1 charged to your card.
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Name Product Petrol Reward Reward Annual Fee Min Income - Singaporean and PR
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 and overseas purchases
S$0 annual fee for the first 1 year and S$160.50 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 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 the first 1 year and S$192.60 thereafter
S$30,000
Get up to 38,000 miles or AirPods when you sign up by 31 July 2020.
Get fee waiver for the first year and up to S$192.60 thereafter, with 10,000 bonus miles.
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 the first 1 year and 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.
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 the first 2 years and 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.
Citi Rewards Credit Card
up to 14% petrol savings at Shell and Esso stations.
10X Rewards on online and retail purchases at Lazada, Qoo10, TANGS and more.
S$0 annual fee for the first 1 year and 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. 30 September 2020
Citi PremierMiles Card
up to 14% petrol savings at Shell and Esso stations.
Earn 2 Citi Miles for every S$1 overseas spend and 1.2 Citi Miles for every S$1 local spend.
S$0 annual fee for the first 1 year and 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. 30 September 2020.
Maybank DUO Platinum Mastercard
5% cash rebates on petrol in Singapore and Malaysia.
Car servicing vouchers, vehicle merchandise and more
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 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 the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank World Mastercard
10X TREATS Points for every S$1 spent on petrol stations. Valid till 31 Dec 2020.
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
S$0 annual fee for the first 1 year and S$240 thereafter
S$80,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
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Compare up to 4 providers

Name Product Petrol Reward Reward Annual Fee Min Income - Singaporean and PR
UOB One Card
Take advantage of up to 24% off at SPC and up to 20.8% off at Shell when you need to fill up.
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 the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$150 in bonus cash credits. T&Cs apply.
UOB Delight Credit Card
Up to 20% savings with SPC and 13.6% at Shell.
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian.
S$0 annual fee for the first 1 year and S$85.60 thereafter
S$30,000
HSBC Visa Platinum Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 17% discount up to 5% cash rebates at Shell stations (ends 30 June 2020).
Earn 1 Reward point for every $1 on all spend.
S$0 annual fee for the first 2 years and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
HSBC Revolution Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 17% off and up to 5% cash rebates at Shell stations (ends 30 June 2020).
Up to 5X Rewards points (2 miles per S$1 spent) on qualifying purchases
S$0 annual fee for the first 2 years and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
HSBC Advance Credit Card
20.2% discount at Caltex stations (ends 31 Dec 2020); 17% discount and up to 5% cash rebates (ends 30 June 2020).
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and 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 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
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 the first 1 year and 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.
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 the first 2 years and 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.
Citi Rewards Credit Card
up to 14% petrol savings at Shell and Esso stations.
10X Rewards on online and retail purchases at Lazada, Qoo10, TANGS and more.
S$0 annual fee for the first 1 year and 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. 30 September 2020
Citi PremierMiles Card
up to 14% petrol savings at Shell and Esso stations.
Earn 2 Citi Miles for every S$1 overseas spend and 1.2 Citi Miles for every S$1 local spend.
S$0 annual fee for the first 1 year and 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. 30 September 2020.
Maybank DUO Platinum Mastercard
5% cash rebates on petrol in Singapore and Malaysia.
Car servicing vouchers, vehicle merchandise and more
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 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 the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank World Mastercard
10X TREATS Points for every S$1 spent on petrol stations. Valid till 31 Dec 2020.
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
S$0 annual fee for the first 1 year and S$240 thereafter
S$80,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
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Compare up to 4 providers

Name Product Petrol Reward Reward Annual Fee Min Income - Singaporean and PR
Maybank DUO Platinum Mastercard
5% cash rebates on petrol in Singapore and Malaysia.
Car servicing vouchers, vehicle merchandise and more
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 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 the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank World Mastercard
10X TREATS Points for every S$1 spent on petrol stations. Valid till 31 Dec 2020.
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
S$0 annual fee for the first 1 year and S$240 thereafter
S$80,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
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Compare up to 4 providers

Name Product Petrol Reward Reward Annual Fee Min Income - Singaporean and PR
UOB One Card
Take advantage of up to 24% off at SPC and up to 20.8% off at Shell when you need to fill up.
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 the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$150 in bonus cash credits. T&Cs apply.
UOB Delight Credit Card
Up to 20% savings with SPC and 13.6% at Shell.
Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian.
S$0 annual fee for the first 1 year and S$85.60 thereafter
S$30,000
POSB Everyday Card
Get up to 20.1% fuel savings at SPC.
Enjoy up to 15% cash rebates on daily essentials such as groceries and online food delivery
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get AirPods or S$200 cashback when you sign up by 31 July 2020.
American Express True Cashback Card
Up to 21% petrol savings at SPC stations
Enjoy free travel insurance benefits of up to S$350,000
S$0 annual fee for the first 1 year and 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.
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 the first 1 year and 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 September 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$80,000
Get up to 77,000 Membership Rewards points with minimum spend in your first 6 months and when you successfully refer a friend. T&Cs apply.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Up to 21% petrol savings at SPC stations
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
S$337.05 annual fee
S$50,000
Earn 16,000 KrisFlyer miles if you spend at least S$10,000 within the first three months. Ends 30 September 2020.
American Express CapitaCard
Up to 21% petrol savings plus earn 8X STAR$ at SPC stations
Earn 3X STAR$ when you shop at participating CapitaLand malls, and more
S$0 annual fee for the first 1 year and S$171.20 thereafter
S$30,000
Receive an American Tourister Hypebeat 79/29 Spinner luggage (worth S$239) upon S$3,000 minimum spend within the first 3 months of card approval. Ends 30 June 2020.
Maybank DUO Platinum Mastercard
5% cash rebates on petrol in Singapore and Malaysia.
Car servicing vouchers, vehicle merchandise and more
S$120 annual fee
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 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 the first 3 years and S$180 thereafter
S$30,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
Maybank World Mastercard
10X TREATS Points for every S$1 spent on petrol stations. Valid till 31 Dec 2020.
A range of dining, shopping and travel deals - including up to S$1,000,000 of travel insurance
S$0 annual fee for the first 1 year and S$240 thereafter
S$80,000
Get S$100 cash credit when you apply, charge to your card and withdraw from your CreditAble account with a minimum of S$250 for each of the first two months upon approval. T&Cs apply. Ends 31 Aug 2020.
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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, air 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.

6 factors to consider when choosing the best petrol credit card for you

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:

  • Which petrol brand do you visit most often? 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 example, you may decide the best credit card for Esso petrol is the DBS Esso Card, as it offers up to 21.2% on fuel savings. But if there’s no Esso garage close to where you live or work, you may prefer the UOB One Card. It offers a potential saving of 24% at SPC, and also gives a competitive rate for Shell (up to 20.8%).
  • What are the direct discounts offered? 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. So, you may want to choose a card based on the absolute amount of direct discount you get without having to fulfil all the conditions.
  • Is there an additional rewards programme to take advantage of? 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. Learn about specialist rewards credit cards through our guide.
  • Do you have any existing credit card debt?
    This is the most important question to ask yourself before signing up for a new credit card. If you’re currently struggling to clear your existing credit card debt, or you’re only managing to pay the minimum amount due, you may want to consider a balance transfer credit card with a 0% interest promotional period, which you can use to consolidate and transfer your outstanding balances to. This way, you can save on your interest costs and pay off your debt faster.
  • Have you considered the card’s fees and interest rates?
    Interest rates are one of the most important components of a credit card and you should always go for one with a lower rate if you intend to carry a balance. Other fees such as late payment penalties and annual fees also affect the cost of owning a card.
  • How often do you drive?
    A key reason to shop around for the best petrol credit card is if you actually use your vehicle on a regular basis. If you tend to take public transport to work and only use your car on weekends, then perhaps a different reward credit card may work better for you. A petrol credit card only comes in handy if you refuel regularly. Otherwise, your dollar is better spent on another card to accumulate miles or reward points. Read more about how rewards credit cards work.

Fuel rewards cards for various petrol stations

There are a lot of cards to choose from and it’s no mean feat trying to work out which is the best credit card for petrol. However, 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 stationBest credit card for petrolTotal discountReward pointsOther bonuses
Esso

DBS Esso Card

18% instant discount

Additional monthly promotions (eg. Get up to an additional S$7 fuel savings with min. monthly nett fuel spend of S$180 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)

All shopping, dining and other card spend can be turned into Smiles Points to redeem for free fuel.

Earn 2X Smiles Points when you charge S$501 – S$5000 outside of Esso stations to your credit card. Until 30 Jun 2020 only.

SPCUOB One CardUp to 24% discount at SPC (including 15% off petrol purchases directly)

Up to 20.8% discount at Shell (including a 10% up-front saving)

Includes a 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.

Enjoy up to 5% in cash rebates based on a spend of at least S$2,000 monthly for each qualifying quarter.

With SPC, boost your savings with an additional S$10 off instantly with UNI$600.

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

Up to 15% discount (for existing AMEX cardholders)

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)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 24.2% 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
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What are the pros and cons of a fuel rewards credit cards?

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.
  • Reduces the cost of running a car. It’s fair to say that driving is seriously expensive in Singapore. Filling up the tank isn’t cheap either, and so you’ll want to make the most of any chance to save.
  • 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 could mean you need to subscribe to their card and pay a membership fee. 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.

Bottom line

A petrol credit card can offer you rewards through your weekly fuel expenses. These cards may offer a savings solution for customers who are continually on the road and frequently visit the fuel pump. How can you find the best petrol credit card for you? That will depend on how often you use your credit card for fuel, and the rewards you could earn. Compare your options to find the right based on your circumstances.

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