# Compare Petrol Credit Cards in Singapore

Petrol can be incredibly expensive in Singapore, but finding a credit card with great fuel savings can dramatically decrease your monthly expenditure. In order to identify the best petrol credit cards in Singapore, our credit card experts considered every card discount at stations ranging from Shell & Esso to Caltex & SPC. We've listed these offers in an upfront, easy-to-understand way and provided an in-depth analysis of each card's distinct value.

### Great Maximum Cashback for Stable Budgets

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
---|---|

Overall Rewards Rate | 5.22% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

If you spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300/quarter. This card also gets you petrol discounts at Shell and SPC stations.

- 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 spend at least S$2,000 per month and want cashback on daily spend and bills, UOB One Card might just be the right fit for you. You can earn up to 5% rebate on general spend, 10% on Grab and 6% on utilities, adding up to S$300/quarter. This card also gets you petrol discounts at Shell and SPC stations.

- 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

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
---|---|

Overall Rewards Rate | 5.22% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 4.83% |

Annual Fee | S$180.00 |

Annual Fee Waiver Amount | S$12,000 |

Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500/month. If you spend over S$800/month, the cashback rate increases to 8% with a cap of S$80.

- Annual fee: S$180 (3 years fee waiver)
- Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
- Up to S$125 cashback per month with S$800 min spend
- 0.3% rebate all other spend

Maybank Family & Friends MasterCard is a good option for earning cash back on essential spending with a moderate budget. Earn 5% on groceries, food delivery, transport and more if you spend S$500/month. If you spend over S$800/month, the cashback rate increases to 8% with a cap of S$80.

- Annual fee: S$180 (3 years fee waiver)
- Up to 8% rebate on 5 preferred categories (dining & food delivery, groceries, retail, petrol discounts & online TV streaming)
- Up to S$125 cashback per month with S$800 min spend
- 0.3% rebate all other spend

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 4.83% |

Annual Fee | S$180.00 |

Annual Fee Waiver Amount | S$12,000 |

### Great High Flat-Rate Cashback for Low Spenders

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 3.76% |

Annual Fee | S$80.00 |

Annual Fee Waiver Amount | none |

If you are a young adult with a monthly budget of S$300-S$500/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100/quarter.

- Annual fee: S$80 (3 years fee waiver)
- Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
- Up to 3.33% on all local and foreign currency spend
- $30 quarterly rebate with at least S$300 monthly spend
- S$100 quarterly rebate with at least S$1,000 monthly spend
- Free travel insurance

If you are a young adult with a monthly budget of S$300-S$500/month looking for a starter card, then you should consider Maybank Platinum Visa. At 3.33% cashback on S300 spend, it offers the highest cashback on low spend on the market. With monthly spend of S$1,000 you can earn up to S$100/quarter.

- Annual fee: S$80 (3 years fee waiver)
- Subsequently quarterly service fee is waived w/ card use at least 1x/quarter
- Up to 3.33% on all local and foreign currency spend
- $30 quarterly rebate with at least S$300 monthly spend
- S$100 quarterly rebate with at least S$1,000 monthly spend
- Free travel insurance

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 3.76% |

Annual Fee | S$80.00 |

Annual Fee Waiver Amount | none |

### Great Unlimited Cashback for High Spenders

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.67% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

Standard Chartered Unlimited Cashback Card offers just that, unlimited 1.5% cashback on all purchases with no minimum spend. Best option for affluent spenders with a monthly budget of S$7,000, with this card you can also enjoy 21% fuel savings at Caltex.

- Annual fee: S$192.60 (waived for two years)
- Unlimited 1.5% cashback on all spend
- Caltex petrol discounts up to 21%

Standard Chartered Unlimited Cashback Card offers just that, unlimited 1.5% cashback on all purchases with no minimum spend. Best option for affluent spenders with a monthly budget of S$7,000, with this card you can also enjoy 21% fuel savings at Caltex.

- Annual fee: S$192.60 (waived for two years)
- Unlimited 1.5% cashback on all spend
- Caltex petrol discounts up to 21%

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.67% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: N/A |
---|---|

Overall Rewards Rate | 2.63% |

Annual Fee | S$0.00 |

Annual Fee Waiver Amount | none |

With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service.

- Annual fee: free for life
- 10% cashback on groceries, online shopping, beauty, petcare & cruises
- Unlimited 0.2% cashback on all other retail purchases
- Free travel insurance & global concierge
- CIMB 0% Interest i.Pay Instalment Plan

With CIMB Visa Signature Card, you can earn 10% cashback on online retail, beauty, pet shops, groceries, and cruise line transactions. In addition to the no annual fee, you can enjoy complimentary travel insurance and concierge service.

- Annual fee: free for life
- 10% cashback on groceries, online shopping, beauty, petcare & cruises
- Unlimited 0.2% cashback on all other retail purchases
- Free travel insurance & global concierge
- CIMB 0% Interest i.Pay Instalment Plan

Annual Income Needed | Citizen: S$30,000 Foreign: N/A |
---|---|

Overall Rewards Rate | 2.63% |

Annual Fee | S$0.00 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
---|---|

Overall Rewards Rate | 2.6% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

UOB EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions.

- 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 EVOL is a great and easy-to-use card for young adults who primarily shop online. With a minimum spend of S$600 per month, you can earn 8% rebate on all online and mobile transactions.

- 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

Annual Income Needed | Citizen: S$30,000 Foreign: S$40,000 |
---|---|

Overall Rewards Rate | 2.6% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

### Great Unlimited Cashback for Affluent Local Spenders

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.41% |

Annual Fee | S$120.00 |

Annual Fee Waiver Amount | S$10,000 |

Maybank FC Barcelona Visa Signature card is a great option for high spenders with a mostly local budget, as well as FC Barcelona fans. You can earn unlimited cashback of 1.6% on all local spend, 5% Discount in FCBotiga official store in Camp Nou, and a fee waiver with annual spend above S$10,000.

- Annual fee: S$120
- Unlimited 1.6% rebate on local spend
- 2 Pts (0.8 miles) per S$1 on foreign currency transactions
- 5% Discount in FCBotiga official store in Camp Nou
- Free travel insurance

Maybank FC Barcelona Visa Signature card is a great option for high spenders with a mostly local budget, as well as FC Barcelona fans. You can earn unlimited cashback of 1.6% on all local spend, 5% Discount in FCBotiga official store in Camp Nou, and a fee waiver with annual spend above S$10,000.

- Annual fee: S$120
- Unlimited 1.6% rebate on local spend
- 2 Pts (0.8 miles) per S$1 on foreign currency transactions
- 5% Discount in FCBotiga official store in Camp Nou
- Free travel insurance

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.41% |

Annual Fee | S$120.00 |

Annual Fee Waiver Amount | S$10,000 |

Annual Income Needed | Citizen: S$30,000 Foreign: S$45,000 |
---|---|

Overall Rewards Rate | 2.41% |

Annual Fee | S$176.55 |

Annual Fee Waiver Amount | none |

While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend.

- Annual fee: S$176.55 (first year- waived)
- 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
- 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
- 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
- Free travel insurance
- Hertz Gold Plus Rewards & Amex Selects Privileges

While it doesn't carry as many travel perks as the Ascend version, the American Express Singapore Airlines KrisFlyer Card is still convenient if you want to earn KrisFlyer miles and potentially receive a strong sign-on bonus - plus the same 20% SPC petrol discount as the Ascend.

- Annual fee: S$176.55 (first year- waived)
- 1.1 miles per S$1 local & overseas spend, 2 mi overseas in June & December only
- 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
- 3.1 miles per S$1 spend on Grab transactions (up to 620 mi/mo)
- Free travel insurance
- Hertz Gold Plus Rewards & Amex Selects Privileges

Annual Income Needed | Citizen: S$30,000 Foreign: S$45,000 |
---|---|

Overall Rewards Rate | 2.41% |

Annual Fee | S$176.55 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.29% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

Frequent shoppers may find this card useful, with 3% online cashback at foreign retailers, shipping discounts, and a 30-day Online Price Guarantee that gives you 50% of the difference if you find an item selling for less than what you paid.

- Annual fee: S$192.60 (waived for the first 2 years)
- 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
- 1% cashback on general spend
- Up to 25% discounts with vPost
- Online Price Guarantee
- Up to 16% fuel savings with Caltex

Frequent shoppers may find this card useful, with 3% online cashback at foreign retailers, shipping discounts, and a 30-day Online Price Guarantee that gives you 50% of the difference if you find an item selling for less than what you paid.

- Annual fee: S$192.60 (waived for the first 2 years)
- 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
- 1% cashback on general spend
- Up to 25% discounts with vPost
- Online Price Guarantee
- Up to 16% fuel savings with Caltex

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.29% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.18% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

With monthly rewards capped at 8,000 miles/year, SC Rewards+ Card is a good fit for people with S$250-350/month dining and overseas budget. You can earn 2.9 miles per S$1 spend overseas and 1.45 miles per S$1 spend on dining.

- Annual fee: S$192.60 (first 2 years - waived)
- 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
- Free travel insurance
- Up to 16% fuel savings with Caltex

With monthly rewards capped at 8,000 miles/year, SC Rewards+ Card is a good fit for people with S$250-350/month dining and overseas budget. You can earn 2.9 miles per S$1 spend overseas and 1.45 miles per S$1 spend on dining.

- Annual fee: S$192.60 (first 2 years - waived)
- 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
- Free travel insurance
- Up to 16% fuel savings with Caltex

Annual Income Needed | Citizen: S$30,000 Foreign: S$60,000 |
---|---|

Overall Rewards Rate | 2.18% |

Annual Fee | S$192.60 |

Annual Fee Waiver Amount | none |

Load More

If you'd like to see our take on which cards offer the best discounts on petrol for drivers in Singapore, check out our curated list of credit cards with great bonuses for Esso, Shell and more.

**Best Miles Credit Cards for Petrol Savings:**

- DBS Altitude Visa: Up to 15% fuel savings at SPC (until March 31, 2022)
- Citi PMV: Up to 14% fuel savings at Esso & Shell
- KrisFlyer UOB: Up to 20% fuel savings at SPC, 14% at Shell

**Best Cashback Credit Cards for Petrol Savings:**

- UOB One: Up to 22.66% fuel savings at SPC, 21.15% at Shell
- Citi Cash Back: Up to 20.88% fuel savings at Esso & Shell
- POSB Everyday: Up to 20.1% + 2% fuel savings at SPC
- Citi SMRT: Up to 20.88% fuel savings at Esso & Shell

**Best No Fee Credit Cards for Petrol Savings:**

- OCBC 365: Up to 22.1% savings at Caltex, 20.2% at Esso, 26.8% at Sinopec and 5% cashback at all other petrol stations
- HSBC Revolution: Up to 16% fuel savings at Caltex, 14% at Shell
- HSBC Visa Platinum: Up to 20.2% fuel savings at Caltex, 18.3% at Shell

**Best Credit Cards for Transport Perks & Petrol Savings:**

- Maybank Family & Friends: Up to 8% cashback on transport and petrol in Singapore and Malaysia
- Maybank Horizon Visa Signature: Enjoy up to 3.2 Air Miles (8X TREATS Points) with every dollar spent
- Amex SIA KrisFlyer: Up to 21% fuel savings at SPC
- CIMB Platinum MasterCard: Up to 10% cashback on transport and petrol (capped at S$20 per month)

**Best Petrol Credit Cards for High Spenders:**

- Amex True Cashback: Up to 21% fuel savings at SPC
- SC Unlimited: Up to 21.3% savings at Caltex (Up till Jun 30, 2022)
- OCBC 90°N: Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
- HSBC Advance: Up to 16% fuel savings at Caltex, 14% at Shell
- Citi Prestige: Up to 14% fuel savings at Esso & Shell
- SC Visa Infinite X: Up to 21.3% savings at Caltex (Up till Jun 30, 2022)

**Best Petrol Credit Cards for Online Shopping & Mobile-Pay:**

- OCBC Frank: Up to 23% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
- Citi Rewards: Up to 14% fuel savings at Esso & Shell
- OCBC Titanium: Up to 20% fuel savings at Sinopec, 16% at Caltex, 14% at Esso
- DBS Woman's World: Up to 14% fuel savings at EssUp to 15% fuel savings at SPC (until 31 March, 2022)
- Citi Lazada: Up to 14% fuel savings at Esso & Shell
- BOC Zaobao:

**Best Petrol Credit Card for Esso Loyalists:**

- DBS Esso Platinum: Up to 21.2% fuel savings at Esso

## How to Choose the Best Petrol Card for You

The best petrol card is one which maximises the rewards you can earn while you use it. Based on an average monthly spend of S$2,000, we analysed the 2-year total rewards value of each card in Singapore, with a focus on cards that offer strong rewards on petrol spending. However, it's also useful to know which cards earn high rewards in categories other than petrol. The graph below illustrates our top petrol card picks from that perspective.

Keep in mind that we excluded intangible card perks like lounge access from our calculations because it's often difficult to assign a definite value to those benefits. That said, the strongest credit cards for petrol spending tended not to offer many such perks compared to travel-oriented cards.

## Frequently Asked Questions

The best petrol card for you will depend on a few factors, but in general our analysis found that credit cards like UOB One, Citi Cash Back, and POSB Everyday deliver up to 20% or more in fuel savings at specific stations. You should compare such cards and find out which ones offer the best savings at the petrol stations you find most convenient.

The UOB One card offers the highest fuel discount we've found in our research, most recently offering up to 28.72% savings at Shell stations. However, banks occasionally adjust their credit card rewards rates, so it's a good idea to keep an eye out for any changes among the top cards.

The OCBC 365 Credit Card offers up to 22% savings on fuel purchases at Caltex, making it one of the strongest options if you prefer topping up at Caltex stations. It also offers nearly identical savings at Esso and a relatively high monthly cap on rewards earning, allowing up to $80 per month in total rewards.

The Citi Cash Back Credit Card offers up to 20.88% fuel savings at Esso. It also offers up to 20.88% savings at Shell. All other Citi Credit Cards, in comparison, only offer up to 14% savings at Shell and Esso stations.

- Overall Best Credit Cards
- Best Rewards Credit Cards
- Best Credit Card Promotions
- Best Cashback Credit Cards
- Best Air Miles Credit Cards
- Best Agoda Credit Card Promotions
- Best Expedia Credit Card Promotions
- Best Booking.com Credit Card Promotions
- Best Credit Cards with Klook Promo Codes
- Best No Annual Fee Credit Cards
- Best Miles Cards with No Annual Fee
- Best Cashback Cards with No Annual Fee
- Best Petrol Credit Cards
- Best Cards for SPC Discounts
- Best Cards for Esso Promotions
- Best Cards for Shell Discounts
- Best Shopping Credit Cards
- Best Student Credit Cards
- Best Credit Cards for Seniors
- Best Expat Credit Cards
- Best Unlimited Cashback Credit Cards
- Best Cards for High Income
- Best Dining Credit Cards
- Best Cards for Food Delivery
- Best Credit Card 1 for 1 Buffet Promotions
- Best Grocery Credit Cards
- Best Entertainment Credit Cards
- Best Credit Cards for TransitLink SimplyGo
- Best EZ-Link Credit Cards
- Best Cards for Insurance
- Medical Credit Cards
- Wedding Credit Cards
- Best Debit Cards
- Best Cards for Seniors