Best Shell Credit Card Discounts in Singapore 2020

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: Up to 21,000 welcome & 10,000 renewal miles (Up to 14% fuel savings at Shell)
  • KrisFlyer UOB: 3mi/S$1 on dining, transport, shopping & travel (Up to 13.6% 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 20.80% fuel savings at Shell)
  • Citi Cash Back: Up to 8% discount on food & petrol (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 food & 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$125/month (Up to 14% fuel savings at Shell)
  • Citi Prestige: Unltd. 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 13.6% 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 Discount: Up to 14% fuel savings at Shell
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 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 card renewal. While other travel 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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Additional 26,500 bonus miles w/ 1st annual fee payment & S$9k spend within 3 months (or 6,4000 miles with 1st year annual fee waiver with S$3k spend within 3 months)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • Miles earned never expire
  • 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 card renewal. While other travel 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
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
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
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
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 5% rebate on all spend, S$300/quarter
  • Current Discount: Up to 20.80% fuel savings at Shell
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% 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$500 min spend)
  • UOB SMART$ Rebate Programm
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 5% rebate on all spend, S$300/quarter
  • Current Petrol Discount: Up to 20.80% fuel savings at Shell
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% 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$500 min spend)
  • UOB SMART$ Rebate Programm
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% rebate on global dining, groceries & petrol
  • Current Discount: Up to 20.88% fuel savings at Shell
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is one of the best rebate cards overall for average spenders in Singapore. After just S$888 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$75/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% rebate on global dining, groceries & petrol
  • Current Petrol Discount: Up to 20.88% fuel savings at Shell
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, & petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
Citi Cash Back Card is one of the best rebate cards overall for average spenders in Singapore. After just S$888 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$75/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 2mi/S$1 spend on online insurance & bill-pay
  • Current Discount: Up to 14% fuel savings at Shell
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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 2mi/S$1 spend on online insurance & bill-pay
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$12,500 annual spend
  • 2 miles per S$1 spend on local dining & entertainment, online spend (unlimited)
  • Online rate includes travel bookings, recurring bills & transit payments
  • No minimum spend requirement
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 Discount: Up to 18.30% fuel savings at Shell
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining, groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
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: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$12,500 annual spend
  • 5% cashback on local dining, groceries & petrol (up to S$250/quarter)
  • 0.4 miles per S$1 general spend, unlimited
  • Up to 21% fuel savings with Caltex, Shell (including 5% card rebate)
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$125/month rewards cap
  • Current Discount: Up to 14% fuel savings at Shell
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
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. Current Advance customers earn a 3.5% flat rebate, up to S$125/mo, after S$2,000 spend (2.5% if below). Consumers can max out this earnings cap with S$3,500 spend/month, earning up to S$1,500/year–one of the highest potential earnings available. Advance banking customers also never have to pay an annual fee.


Non-Advance customers do not earn at the same rates. In fact, such cardholders earn just 2.5% cashback, up to S$70/month, after S$2,000 spend (1.5% if below). Non-customers are also charged a S$192.6 annual fee, though it's waived for the first 2 years and subsequently with S$12,500 annual spend. Overall, HSBC Advance Card is far more competitive to those willing to open an account. 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$125/month rewards cap
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Apply online with MyInfo via SingPass, receive S$20 in Grab rides
  • Read Our Full Review
  • Annual fee: S$192.6, waived for Advance banking customers
  • Up to 3.5% flat rebate for Advance customers (2.5% for others)
  • Up to 16% fuel savings with Caltex, 14% with Shell
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. Current Advance customers earn a 3.5% flat rebate, up to S$125/mo, after S$2,000 spend (2.5% if below). Consumers can max out this earnings cap with S$3,500 spend/month, earning up to S$1,500/year–one of the highest potential earnings available. Advance banking customers also never have to pay an annual fee.


Non-Advance customers do not earn at the same rates. In fact, such cardholders earn just 2.5% cashback, up to S$70/month, after S$2,000 spend (1.5% if below). Non-customers are also charged a S$192.6 annual fee, though it's waived for the first 2 years and subsequently with S$12,500 annual spend. Overall, HSBC Advance Card is far more competitive to those willing to open an account. 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

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Current Discount: Up to 14% fuel savings at Shell
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • 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, free limo transfers, access to JetQuay, 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 card's top-notch perks. Ultimately, Citi Prestige is a great option for wealthy travellers who prioritse comfort and luxury on every trip.

  • Stand-Out: Unltd lounge access, free travel insurance & bonus hotel nights
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • 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, free limo transfers, access to JetQuay, 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 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 Discount: Up to 14% fuel savings at Shell
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
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: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • S$30 cash via PayNow (existing customers)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • Free travel insurance
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

  • Top weekend rebates of up to 8% for social spenders
  • Current Discount: Up to 13.6% fuel savings at Shell
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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 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: Top weekend rebates of up to 8% for social spenders
  • Current Petrol Discount: Up to 13.6% fuel savings at Shell
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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 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

Citibank Clear Card
Citibank Clear Card
  • Miles for student spend + foodie perks
  • Current Discount: Up to 14% fuel savings at Shell
  • Read Our Full Review
  • Annual fee: S$29.96, 1-year waiver
  • 1 Pt (0.4 miles) per S$1 spend, no minimum requirement
  • S$500 credit limit
  • 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.
Citibank Clear Card
Citibank Clear Card
  • Stand-Out: Miles for student spend + foodie perks
  • Current Petrol Discount: Up to 14% fuel savings at Shell
  • Read Our Full Review
  • Annual fee: S$29.96, 1-year waiver
  • 1 Pt (0.4 miles) per S$1 spend, no minimum requirement
  • S$500 credit limit
  • 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

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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