Best Shell Credit Card Discounts in Singapore 2024

Shell is not only one of the most popular petrol brands in Singapore, it also offers some of the best discounts through partnerships with select credit cards. We've identified which of these credit cards not only have the best fuel savings at Shell, but also offer competitive cashback and miles rewards rates for consumers.

Best Miles Credit Cards for Shell Discounts
  • Citi PMV: 45,000 Welcome Citi Miles with S$9,000 spend in 3 mo (Up to 14% fuel savings at Shell)
  • KrisFlyer UOB: 3mi/S$1 on dining, transport, shopping & travel (Up to 14% fuel savings at Shell)
Best Cashback Credit Cards for Shell Discounts
  • UOB One: Highest flat rebate on the market, earn up to $300/qtr (Up to 21.15% fuel savings at Shell)
  • Citi Cash Back: Up to 8% rebate on groceries & petrol, 6% on dining (Up to 20.88% fuel savings at Shell)
Best Cards for Shell Discounts with No Annual Fee:
  • HSBC Revolution: 2 mi/S$1 local dining, entertainment & online (Up to 14% fuel savings at Shell)
  • HSBC V. Platinum: 5% rebate on groceries, dining & petrol, miles for general (Up to 18.30% fuel savings at Shell)
Best Cards with Shell Discounts for High Income Earners
  • HSBC Advance: Up to 3.5% cashback capped at S$300/month (Up to 14% fuel savings at Shell)
  • Citi Prestige: Unlimited lounge access, bonus hotel nights & more (Up to 14% fuel savings at Shell)
Best Card with Shell Discounts for Online & Shopping
  • Citi Rewards: Up to 4 miles per S$1 for fashion & online spend (Up to 14% fuel savings at Shell)
Best Cards with Shell Discounts for Young Adults
  • UOB YOLO: 8% rebate on wknd dining, entertainment & Grab (Up to 14% fuel savings at Shell)
  • Citi Clear: 0.4 miles per S$1 for students, foodie privileges (Up to 14% fuel savings at Shell)

Compare the Best Shell Credit Card Discounts in Singapore by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards with Shell discounts compare to one another in terms of their rewards
Best Credit Cards with Shell Discounts in Singapore by Estimated 2-Year Dollar Value
Best Miles Cards for Shell Discounts Best Cashback Cards for Shell Discounts Best Cards for Shell Discounts w/ No Fee: Best High Income Cards w/ Shell Discounts Best Shopping Card w/ Shell Discounts Best Cards w/ Shell Discounts for YA

Compare Credit Cards with Shell Discounts by Dollar Value

Based on a high monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best credit cards with Shell discounts compare to one another in terms of their rewards
Best Credit Cards with Shell Discounts in Singapore by Estimated 2-Year Dollar Value

Shell in Singapore: How Do Petrol Discounts Work?

With costs ever-rising, fuel savings are increasingly important. But how do credit card petrol discounts really work? At Shell, cardholders typically receive a 10% discount upfront, comprised of a 5% on-site discount and 5% Shell Escape Card discount. You need to apply for a Shell Escape Card at a station and present it at each refill in order to qualify. You may then receive an added issuer bonus, typically equal to 4%. Finally, certain cards earn an extra boost as part of their rewards structure (i.e., a built-in 8% rebate on all petrol spend). This final bonus is applied after the previous discount of 10%–14% has been applied. Therefore, the effective savings rate will not be exactly equal to the sum of all discounts. You can find example breakdowns on most card issuers' websites.

Best Air Miles Card with Shell Petrol Discounts

Travellers looking to earn miles while saving on petrol locally & abroad should consider the card below.

Citi PremierMiles Visa: Affordable Perks & Bonus Miles

  • Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year - waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 2 miles/S$1 spend abroad and 1.2 miles/S$1 on local spend
  • Miles earned never expire
  • Customers can redeem miles with points or for cash
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card is a great match for average spenders who often travel, and would like to enjoy a few luxury perks without paying a high annual fee. Cardholders earn 1.2 miles per S$1 local spend and 2 miles overseas, which is fairly standard. However, Citi PMV stands out as it also offers 2 free lounge visits every year and 10,000 bonus miles (worth about S$100) with each yearly credit card renewal. While other travel credit cards may offer both lounge access and yearly bonus miles, they also tend to charge high annual fees of S$450+. Citi PMV Card's annual fee is just S$192.6, and it's waived completely for the 1st year. Overall, travellers can enjoy luxury perks at an affordable price with Citi PMV Card.
  • Stand-Out: Earn 2mi/S$1 overseas, 2 free lounge visits/yr
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year - waived)
  • 10,000 bonus annual renewal miles (worth S$100)
  • 2 miles/S$1 spend abroad and 1.2 miles/S$1 on local spend
  • Miles earned never expire
  • Customers can redeem miles with points or for cash
  • 2 free lounge visits & free travel insurance
Citi PremierMiles Visa Card is a great match for average spenders who often travel, and would like to enjoy a few luxury perks without paying a high annual fee. Cardholders earn 1.2 miles per S$1 local spend and 2 miles overseas, which is fairly standard. However, Citi PMV stands out as it also offers 2 free lounge visits every year and 10,000 bonus miles (worth about S$100) with each yearly credit card renewal. While other travel credit cards may offer both lounge access and yearly bonus miles, they also tend to charge high annual fees of S$450+. Citi PMV Card's annual fee is just S$192.6, and it's waived completely for the 1st year. Overall, travellers can enjoy luxury perks at an affordable price with Citi PMV Card.

KrisFlyer UOB Credit Card: Miles for Young SIA Flyers

  • Boosted everyday miles w/ SIA perks & privileges
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$800 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
If you're a young traveller open to exclusively flying with SIA, you should definitely consider KrisFlyer UOB Card. Cardholders earn a base rate of 1.2 miles per S$1 on general local an overseas spend. This rate is boosted to 3 miles per S$1 for spend with SIA brands, like SIA, SilkAir, Scoot and KrisShop. Those who spend S$500 per year with SIA can also boost their rewards to 3 miles for spend on dining, transport, online fashion shopping and travel bookings. This is ideal for young adults that spend in such categories and travel a few times every year.


Cardholders who travel on a budget are also likely to benefit from KF UOB's unique travel privileges. Consumers have access to perks with Scoot–SIA's most affordable airline–including free priority check-in & boarding, baggage allowance upgrades, complimentary standard seat selection and booking flexibility waivers for every flight. Cardholders can also enjoy a S$20 cash rebate with S$100 nett spend at KrisShop and S$15 vouchers both for ChangiWiFi and for Grab rides to and from Changi Airport. KF UOB Card is also very affordable, as the 10,000 annual miles bonus (worth about S$100) offsets more than half of the S$192.6 annual fee. Overall, young SIA loyalists can likely benefit more from KrisFlyer UOB Card than from any other option on the market.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year - waived
  • 3.0 KF miles/S$1 on spend with SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3.0 KF miles/S$1 on dining & food delivery, online shopping & travel and transport–with min. S$800 annual spend on SIA brands
  • 1.2 KrisFlyer miles/S$1 on general spend, locally & overseas
  • 10,000 annual bonus renewal miles
If you're a young traveller open to exclusively flying with SIA, you should definitely consider KrisFlyer UOB Card. Cardholders earn a base rate of 1.2 miles per S$1 on general local an overseas spend. This rate is boosted to 3 miles per S$1 for spend with SIA brands, like SIA, SilkAir, Scoot and KrisShop. Those who spend S$500 per year with SIA can also boost their rewards to 3 miles for spend on dining, transport, online fashion shopping and travel bookings. This is ideal for young adults that spend in such categories and travel a few times every year.


Cardholders who travel on a budget are also likely to benefit from KF UOB's unique travel privileges. Consumers have access to perks with Scoot–SIA's most affordable airline–including free priority check-in & boarding, baggage allowance upgrades, complimentary standard seat selection and booking flexibility waivers for every flight. Cardholders can also enjoy a S$20 cash rebate with S$100 nett spend at KrisShop and S$15 vouchers both for ChangiWiFi and for Grab rides to and from Changi Airport. KF UOB Card is also very affordable, as the 10,000 annual miles bonus (worth about S$100) offsets more than half of the S$192.6 annual fee. Overall, young SIA loyalists can likely benefit more from KrisFlyer UOB Card than from any other option on the market.

Best Cashback Cards with Shell Petrol Discounts

These cards provide great fuel savings at Shell and top rebates on daily expenditures.

UOB One Credit Card: High Flat Rebate for Stable Budgets

  • Up to 10% rebate on all spend, S$300/quarter
  • Current Petrol Discount: Up to 21.15% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$200/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 1% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 21.15% savings at Shell and 22.66% at SPC
If you have a stable budget of about S$2,000/month, look no further than UOB One Card. Consumers who can maintain spend at this level across an entire quarter (3 months) earn 5% flat rebate on all spend–up to S$100/month. This is one of the highest potential earnings currently on the market. Also, while people who spend at least S$1,000/mo or S$500/mo across a quarter earn 3.33% flat cashback (up to S$33/mo or S$17/mo, respectively), these rates are slightly less competitive.


While UOB One Card offers up to 5% cashback on all spend, it's possible to earn a boost in certain categories. Spend on power utilities bills earns a bonus +1% rebate, and both UOB Travel Planner and Grab transactions (exc. mobile wallet top-ups) earn a bonus +5%. Additionally, petrol discounts at Shell stack on top of the 5% base, boosting total fuel savings to one of the highest rates on the market. Overall, UOB One Card is ideal for consumers who can consistently maintain a S$2,000 monthly budget and who frequently buy petrol with Shell.

  • Stand-Out: Up to 10% rebate on all spend, S$300/quarter
  • Current Petrol Discount: Up to 21.15% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 5% rebate on general spend, up to S$200/quarter (S$2,000 min spend) with min 5 transactions/mo
  • Up to 10% on Grab, Shopee, Dairy Farm Singapore & select UOB travel, 1% on utilities bills
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • 0.03% rebate on all spend if no rebate earned for calendar year
  • Up to 21.15% savings at Shell and 22.66% at SPC
If you have a stable budget of about S$2,000/month, look no further than UOB One Card. Consumers who can maintain spend at this level across an entire quarter (3 months) earn a 5% flat rebate on all spend–up to S$100/month. This is one of the highest potential earnings currently on the market. Also, while people who spend at least S$1,000/mo or S$500/mo across a quarter earn 3.33% flat cashback (up to S$33/mo or S$17/mo, respectively), these rates are slightly less competitive.


While UOB One Card offers up to 5% cashback on all spend, it's possible to earn a boost in certain categories. Spend on power utilities bills earns a bonus +1% rebate, and both UOB Travel Planner and Grab transactions (exc. mobile wallet top-ups) earn a bonus +5%. Additionally, petrol discounts at Shell stack on top of the 5% base, boosting total fuel savings to one of the highest rates on the market. Overall, UOB One Card is ideal for consumers who can consistently maintain a S$2,000 monthly budget and who frequently buy petrol with Shell.

Citi Cash Back Card: Top Rewards for Food & Petrol

  • Up to 8% cashback on groceries & petrol, 6% on dining
  • Current Petrol Discount: Up to 20.88% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Min. monthly spend of S$800 required to earn bonus cashback
  • Cashback capped at S$80/month
Citi Cash Back Card is one of the best rebate credit cards overall for average spenders in Singapore. After just S$800 minimum spend, cardholders earn an impressive 8% cashback on all food–including dining and groceries–as well as on all of their petrol spend (up to S$80/month total). This is particularly great as food and transport make up a major portion of many Singaporeans' budgets. Even better, these rates apply both locally and overseas, making it easy to continue earning even when travelling.


Citi Cash Back also stands out for its petrol savings due to discount stacking. In addition to the 8% category rebate, consumers earn a 5% Shell site discount, 5% Shell Escape discount, 4% Citi discount, adding up to a total effective savings of 20.88%. Petrol can be quite costly in Singapore, but with Citi Cash Back Card, consumers can maximise both savings and rebates on their everyday expenses.

  • Stand-Out: Up to 8% cashback on groceries & petrol, 6% on dining
  • Current Petrol Discount: Up to 20.88% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year- waived)
  • 8% cashback on groceries
  • 6% cashback on dining
  • Up to 20.88% fuel savings at Esso & Shell and 8% cashback at other petrol stations
  • 0.25% cashback on all other purchases
  • Min. monthly spend of S$800 required to earn bonus cashback
  • Cashback capped at S$80/month
Citi Cash Back Card is one of the best rebate credit cards overall for average spenders in Singapore. After just S$800 minimum spend, cardholders earn an impressive 8% cashback on all food–including dining and groceries–as well as on all of their petrol spend (up to S$80/month total). This is particularly great as food and transport make up a major portion of many Singaporeans' budgets. Even better, these rates apply both locally and overseas, making it easy to continue earning even when travelling.


Citi Cash Back also stands out for its petrol savings due to discount stacking. In addition to the 8% category rebate, consumers earn a 5% Shell site discount, 5% Shell Escape discount, 4% Citi discount, adding up to a total effective savings of 20.88%. Petrol can be quite costly in Singapore, but with Citi Cash Back Card, consumers can maximise both savings and rebates on their everyday expenses.

Best No Fee Cards with Shell Petrol Discounts

If you want to save on petrol without having to pay an annual fee, consider the cards below.

HSBC Revolution: Miles for Online & Social Spend

  • Up to 4mi/SGD for contactless payment
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • No annual fee
  • Earn up to 4 miles, equivalent to up to 10X reward points or up to 2.5% cashback for every S$1 spent
  • Points can be redeemed for miles through Mileage Programme in blocks of 10,000 Points for 4,000 miles
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • T&Cs apply. SGD deposits are insured by up to S$75K by SDIC.
HSBC Revolution Card is one of the best credit cards on the market for social local & online spenders–especially those who want to avoid paying an annual fee. Cardholders earn 2 miles per S$1 spend on local dining & entertainment and for online spend–including bills, transit payments and travel bookings. Few credit cards reward such online payments, making HSBC Revolution Card rather unique. Even better, consumers are exempt from paying the S$160.5 annual fee for 2 years and subsequently, with just S$12,500 annual spend (about S$1,042/month). When paired with its competitive petrol discount, these perks make HSBC Revolution Card ideal for people who want to save on key expenses without having to worry about added costs.
  • Stand-Out: Up to 4mi/SGD for contactless payment
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • No annual fee
  • Earn up to 4 miles, equivalent to up to 10X reward points or up to 2.5% cashback for every S$1 spent
  • Points can be redeemed for miles through Mileage Programme in blocks of 10,000 Points for 4,000 miles
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • T&Cs apply. SGD deposits are insured by up to S$75K by SDIC.
HSBC Revolution Card is one of the best credit cards on the market for social local & online spenders–especially those who want to avoid paying an annual fee. Cardholders earn 2 miles per S$1 spend on local dining & entertainment and for online spend–including bills, transit payments and travel bookings. Few credit cards reward such online payments, making HSBC Revolution Card rather unique. Even better, consumers are exempt from paying the S$160.5 annual fee for 2 years and subsequently, with just S$12,500 annual spend (about S$1,042/month). When paired with its competitive petrol discount, these perks make HSBC Revolution Card ideal for people who want to save on key expenses without having to worry about added costs.

HSBC Visa Platinum: Cashback + Miles Rewards

  • Rebates on local food & petrol, miles for general spend
  • Current Petrol Discount: Up to 18.30% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (waived for two years)
  • 5% cash rebate on local dining and groceries (food deliveries and online groceries included)
  • 0.4 miles per S$1 general spend, unlimited
  • Earn up to 17% instant discount plus 5% cash rebate on fuel spending at Caltex and Shell stations
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • T&Cs apply. SGD deposits are insured by up to S$75K by SDIC.
Moderate, primarily local spenders interested in earning both miles and cashback for their daily spend may want to consider HSBC Visa Platinum Card. Cardholders earn 5% rebate on local food (dining and groceries) as well as on petrol–which is especially beneficial, as these categories make up a large part of the average consumer's budget. This petrol rebate also stacks with several Shell discounts–including an instant on-site bonus and Shell Escape discount–to further boost savings. These rates are unlocked with a reasonable S$600 minimum spend requirement, and earnings are capped at S$250/quarter (about S$83/month).


Consumers earn 0.4 miles per S$1 spend on all other purchases, including foreign currency transactions. While this rate may seem low, earning is easy as there are no minimum spend requirements and no cap on miles earnings. In addition, the card's S$180.0 annual fee is waived for 2 years, and then with just S$12,500 annual spend. Consumers looking for diversified rewards plus top discounts at Shell can benefit from HSBC Visa Platinum Card.

  • Stand-Out: Rebates on local food & petrol, miles for general spend
  • Current Petrol Discount: Up to 18.30% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (waived for two years)
  • 5% cash rebate on local dining and groceries (food deliveries and online groceries included)
  • 0.4 miles per S$1 general spend, unlimited
  • Earn up to 17% instant discount plus 5% cash rebate on fuel spending at Caltex and Shell stations
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • T&Cs apply. SGD deposits are insured by up to S$75K by SDIC.
Moderate, primarily local spenders interested in earning both miles and cashback for their daily spend may want to consider HSBC Visa Platinum Card. Cardholders earn 5% rebate on local food (dining and groceries) as well as on petrol–which is especially beneficial, as these categories make up a large part of the average consumer's budget. This petrol rebate also stacks with several Shell discounts–including an instant on-site bonus and Shell Escape discount–to further boost savings. These rates are unlocked with a reasonable S$600 minimum spend requirement, and earnings are capped at S$250/quarter (about S$83/month).


Consumers earn 0.4 miles per S$1 spend on all other purchases, including foreign currency transactions. While this rate may seem low, earning is easy as there are no minimum spend requirements and no cap on miles earnings. In addition, the card's S$180.0 annual fee is waived for 2 years, and then with just S$12,500 annual spend. Consumers looking for diversified rewards plus top discounts at Shell can benefit from HSBC Visa Platinum Card.

Best High Income Cards with Shell Petrol Discounts

Even high spenders can benefit from fuel savings. These options are great for Shell loyalists.

HSBC Advance Card: Top Flat Rebate for Advance Customers

  • Up to 3.5% flat cashback, lofty S$370/month rewards cap
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year- waived)
  • 2.5% base cashback when you spend above SGD2,000
  • 1.5% base cashback with no minimum spend
  • 1% bonus cashback on your eligible credit card spending if you are HSBC Everyday Global Account holder and qualified for the HSBC Everyday+. T&Cs apply. SGD deposits are insured by up to S$75K by SDIC
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
If you're a higher spender willing to consider opening an HSBC Advance account, HSBC Advance Card offers a great way to maximise cashback on nearly all spend. Consumers spending at least S$2,000/month the opportunity to earn an incredible 3.5% cashback rate–the highest potential earning value on the market for capped cashback cards.

Cardholders can earn 3.5% cashback, 2.5% base rate + 1% bonus rate, for spending at least S$2,000 and depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. With this bonus rate, monthly cashback is capped at S$300, which is S$3,600 per year in savings. Customers with above-average budgets can easily earn far more in rewards than with any other capped cashback card on the market.

  • Stand-Out: Up to 3.5% flat cashback, lofty S$370/month rewards cap
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year- waived)
  • 2.5% base cashback when you spend above SGD2,000
  • 1.5% base cashback with no minimum spend
  • 1% bonus cashback on your eligible credit card spending if you are HSBC Everyday Global Account holder and qualified for the HSBC Everyday+. T&Cs apply. SGD deposits are insured by up to S$75K by SDIC
  • Receive complimentary access to the ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
If you're a higher spender willing to consider opening an HSBC Advance account, HSBC Advance Card offers a great way to maximise cashback on nearly all spend. Consumers spending at least S$2,000/month the opportunity to earn an incredible 3.5% cashback rate–the highest potential earning value on the market for capped cashback cards.

Cardholders can earn 3.5% cashback, 2.5% base rate + 1% bonus rate, for spending at least S$2,000 and depositing a minimum of S$2,000 per month in fresh funds and charging at least five transactions to their account. With this bonus rate, monthly cashback is capped at S$300, which is S$3,600 per year in savings. Customers with above-average budgets can easily earn far more in rewards than with any other capped cashback card on the market.

Citi Prestige MasterCard: Exclusive Luxury Travel Perks

Citi Prestige Card
Citi Prestige Card
  • Unlimited lounge access, free travel insurance & bonus hotel nights
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$540
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • Citi Miles never expire. Exchange for frequent flyer miles, hotel stays, rewards and cash rebates.
  • 6 complimentary golf games at golf courses in Singapore, Malaysia, Indonesia and China
  • Unlimited lounge access, travel insurance, free hotel nights & more
Affluent travellers can enjoy some of Singapore's most luxurious perks with Citi Prestige MasterCard. Cardholders receive unlimited lounge access, bonus 4th hotel nights worldwide, complimentary travel insurance, discounted green fees & more. In terms of rewards, consumers earn 1.3 miles per S$1 local spend, 2 miles overseas, and boosted savings at Shell.


While it's possible to earn similar miles rates with other cards, Citi Prestige also rewards cardholders with 25,000 annual renewal miles (worth S$250) and an annual bonus of up to 30% based on relationship tenure with Citi. These bonuses offset the admittedly high S$535 annual fee–which is further validated by the credit card's top-notch perks. Ultimately, Citi Prestige is a great option for wealthy travellers who prioritse comfort and luxury on every trip.

Citi Prestige Card
Citi Prestige Card
  • Stand-Out: Unlimited lounge access, free travel insurance & bonus hotel nights
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$540
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • Citi Miles never expire. Exchange for frequent flyer miles, hotel stays, rewards and cash rebates.
  • 6 complimentary golf games at golf courses in Singapore, Malaysia, Indonesia and China
  • Unlimited lounge access, travel insurance, free hotel nights & more
Affluent travellers can enjoy some of Singapore's most luxurious perks with Citi Prestige MasterCard. Cardholders receive unlimited lounge access, bonus 4th hotel nights worldwide, complimentary travel insurance, complimentary travel insurance, discounted green fees & more. In terms of rewards, consumers earn 1.3 miles per S$1 local spend, 2 miles overseas, and boosted savings at Shell.


While it's possible to earn similar miles rates with other cards, Citi Prestige also rewards cardholders with 25,000 annual renewal miles (worth S$250) and an annual bonus of up to 30% based on relationship tenure with Citi. These bonuses offset the admittedly high S$535 annual fee–which is further validated by the credit card's top-notch perks. Ultimately, Citi Prestige is a great option for wealthy travellers who prioritse comfort and luxury on every trip.

Best Online & Shopping Card with Shell Petrol Discounts

Whether you're shopping online or on-the-go, this card provides rewards & savings fit to your lifestyle.

Citi Rewards: Miles for Online & Fashion Spending

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year- waived)
  • 4 miles (10X Rewards) per S$1 on shopping purchases
  • 4 miles (10X Rewards) per S$1 on online shopping (inc. food delivery, online grocery & ride-hailing services)
  • 1X reward point for every S$1 on all other spending
  • No minimum spend required
  • Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles
  • 10X rewards are capped at 10,000 pts per month
  • 10X rewards excludes travel purchases online and non-fashion purchases offline
Frequent online shoppers can quickly accrue miles for their spend with Citi Rewards Card. Every S$1 spend online and on fashion retail, locally and overseas, earns 4 miles in rewards. The online rewards category is quite flexible. In fact, cardholders earn elevated rewards on everything from online food and grocery delivery to rides booked with Grab, Gojek and more. Fashion retail also covers a variety of popular merchants, including (but not limited to) Lazada, Qoo10, TANGS and more. All other spend earns just 0.4 miles per S$1, so Citi Rewards Card is best fit for those who frequently shop online and for fashion. Finally, while there's a S$192.6 fee, it's waived completely for the 1st year.
  • Stand-Out: Up to 4mi/S$1 spend on fashion retail & all online spend
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$194.40 (first year- waived)
  • 4 miles (10X Rewards) per S$1 on shopping purchases
  • 4 miles (10X Rewards) per S$1 on online shopping (inc. food delivery, online grocery & ride-hailing services)
  • 1X reward point for every S$1 on all other spending
  • No minimum spend required
  • Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles
  • 10X rewards are capped at 10,000 pts per month
  • 10X rewards excludes travel purchases online and non-fashion purchases offline
Frequent online shoppers can quickly accrue miles for their spend with Citi Rewards Card. Every S$1 spend online and on fashion retail, locally and overseas, earns 4 miles in rewards. The online rewards category is quite flexible. In fact, cardholders earn elevated rewards on everything from online food and grocery delivery to rides booked with Grab, Gojek and more. Fashion retail also covers a variety of popular merchants, including (but not limited to) Lazada, Qoo10, TANGS and more. All other spend earns just 0.4 miles per S$1, so Citi Rewards Card is best fit for those who frequently shop online and for fashion. Finally, while there's a S$192.6 fee, it's waived completely for the 1st year.

Best Cards for Young Adults with Shell Petrol Discounts

These cards are a great fit for new drivers seeking a credit card tailored to young adults.

UOB YOLO Card: Rebates for Young Social Spenders

  • 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on online and mobile contactless spend
  • 0.3% cashback on all other spend
  • S$600 min spend, S$60 cashback cap
  • Southeast Asia’s first bio-sourced card
UOB YOLO Card is a great option for young social spenders. Cardholders earn up to 8% cashback on weekend dining, Grab, entertainment & select UOB Travel spend (3% on weekdays), as well as 3% cashback on online travel & fashion spend. Those who prefer driving to ride shares can take advantage of special UOB discounts with Shell. Rewards are capped at S$60/month.


UOB YOLO Card does have a S$600 minimum spend requirement to unlock its top rates, but this is somewhat lower than the S$800+ required by many other rebate credit cards on the market. In addition, the S$192.6 fee is waived the 1st year. All in all, UOB YOLO Card is a great fit for social young adults with moderate budgets.

  • Stand-Out: 8% cashback on online & mobile contactless spend, 0.3% all other spend (max S$60/month)
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions:
  • Read Our Full Review
  • Annual fee: S$192.60 (first year- waived)
  • 8% cashback on online and mobile contactless spend
  • 0.3% cashback on all other spend
  • S$600 min spend, S$60 cashback cap
  • Southeast Asia’s first bio-sourced card
UOB YOLO Card is a great option for young social spenders. Cardholders earn up to 8% cashback on weekend dining, Grab, entertainment & select UOB Travel spend (3% on weekdays), as well as 3% cashback on online travel & fashion spend. Those who prefer driving to ride shares can take advantage of special UOB discounts with Shell. Rewards are capped at S$60/month.


UOB YOLO Card does have a S$600 minimum spend requirement to unlock its top rates, but this is somewhat lower than the S$800+ required by many other rebate credit cards on the market. In addition, the S$192.6 fee is waived the 1st year. All in all, UOB YOLO Card is a great fit for social young adults with moderate budgets.

Citi Clear Card: Best Miles Rewards for Students

Citi Clear Card
Citi Clear Card
  • Miles for student spend + foodie perks
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions: None currently available
  • Read Our Full Review
  • Annual fee: S$29.96 (first year - waived)
  • 1 point (0.4 miles) per S$1 spend
  • No min income required and S$500 credit limit
  • Exclusive dining deals at over 1,000 eateries in Singapore
  • Access to Gourmet Pleasures dining programme
Once you've reached 18 years of age, you can not only apply for a driving license, but also sign up for your first credit card. Citi Clear Card is the best miles-earning option on the market available to students, offering 1 pt (equal to 0.4 miles) per S$1 spend plus petrol savings at Shell. There's no minimum income requirement, making the card quite accessible, and no minimum spend requirements to unlock earning potential. Students can also take advantage of a variety of Citi programmes and privileges, including its Gourmet Pleasures programme and shopping specials. Overall, Citi Clear Card is a great option for young adults who want to earn flexible rewards (rather than straight cashback) without having to worry about extra complications or requirements.
Citi Clear Card
Citi Clear Card
  • Stand-Out: Miles for student spend + foodie perks
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions: None currently available
  • Read Our Full Review
  • Annual fee: S$29.96 (first year - waived)
  • 1 point (0.4 miles) per S$1 spend
  • No min income required and S$500 credit limit
  • Exclusive dining deals at over 1,000 eateries in Singapore
  • Access to Gourmet Pleasures dining programme
Once you've reached 18 years of age, you can not only apply for a driving license, but also sign up for your first credit card. Citi Clear Card is the best miles-earning option on the market available to students, offering 1 pt (equal to 0.4 miles) per S$1 spend plus petrol savings at Shell. There's no minimum income requirement, making the card quite accessible, and no minimum spend requirements to unlock earning potential. Students can also take advantage of a variety of Citi programmes and privileges, including its Gourmet Pleasures programme and shopping specials. Overall, Citi Clear Card is a great option for young adults who want to earn flexible rewards (rather than straight cashback) without having to worry about extra complications or requirements.

Learn More About How to Find the Best Credit Card for You

Zoryana Melesh

Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.