Getting a car in Singapore is already complicated because of the 101 things to consider (mostly costs) that help you decide if you really need and can afford a car.
There are many expenses you’ll need to consider, with fuel costs in Singapore being a major one, which is notoriously higher than in most other countries.
So here’s a breakdown of the best credit cards for petrol with discounts to relieve some of that financial burden!
TL;DR: Best Credit Cards For Petrol
| Best Credit Card | Maximum Savings | |
|---|---|---|
| Caltex | OCBC 365 Credit Card | 22.92% |
| Esso | DBS Esso Card | 23% |
| Shell | UOB One Credit Card | 22.66% |
| Sinopec | OCBC 365 | 24.8% |
| SPC | UOB One Credit Card | 22.66% |
Disclaimer: Credit card promotions are subject to change at the bank’s discretion without prior notice
For your convenience, these are the best credit cards in Singapore when it comes to petrol perks and discounts at different fuel companies:
Caltex Petrol Credit Card Discounts
HSBC Caltex Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| HSBC Premier Mastercard | All grades of petrol and diesel | 17% | 5% cash rebate with min. spend of $600 | Up to 21.15% |
| HSBC VISA Platinum Credit Card Apply Now |
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| HSBC Live+ & any other HSBC cards Apply Now | Diesel / Regular 92 / Premium 95 | 14% (16% with CaltexGO app) | - | |
| Platinum 98 | 16% |
Source: HSBC. Valid till 30 Jun 2024.
OCBC Caltex Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| OCBC 365 Credit Card Apply Now | All grades of petrol and diesel | 18% | 6% rebate with min. S$800 total spend in a month | Up to 22.92% |
| OCBC VOYAGE Card & OCBC Premier Visa Infinite Credit Card | 19% | - | 19% | |
| Other OCBC Credit/Debit Cards | Diesel / Regular 92 / Premium 95 | 14% | - | 14% |
| Platinum 98 | 16% | 16% |
Source: OCBC. Valid till 30 Jun 2024.
Standard Chartered Caltex Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| Standard Chartered Simply Cash Card Apply Now | All grades of petrol and diesel | 17% | S$3 off min. spend of S$100 Card Cashback: 1.5% S$5 off min. spend of S$60 (Caltex voucher for new card sign-ups) | Up to 24.47% (19.7% without Caltex voucher) |
| Standard Chartered Smart Credit Card Apply Now | S$3 off min. spend of S$100 S$5 off min. spend of S$60 (Caltex voucher for new card sign-ups) | Up to 23.32% (18.6% without Caltex voucher) | ||
| Standard Chartered Visa Infinite Card | S$3 off min. spend of S$100 S$5 off min. spend of S$60 (Caltex voucher for new card sign-ups) |
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| All other SCB Cards | Diesel / Regular 92 / Premium 95 | 14% | S$5 off min. spend of S$60 (Caltex voucher for new card sign-ups) | Up to 18.10% (14% without Caltex voucher) |
| Platinum 98 | 16% | Up to 20% (16% without Caltex voucher) |
Source: Standard Chartered. Valid till 31 Dec 2024.
Eligible Cardholders, who have successfully applied and been approved for a Credit Card application, will be eligible to receive six x S$5 Caltex Vouchers. As this promotion is a one-time only, we will only be taking the base effective fuel savings into consideration when picking the best credit card for Caltex.
Trust Bank Caltex Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| Trust Link Credit Card | All grades of petrol and diesel | 17% | 0.22% rebate with no minimum spend. 3.5% additional Linkpoints Rebate on nett transaction amount (min. $450 card spend) | Up to 20.09% |
| NTUC Link Credit Card | 0.22% rebate with no minimum spend. 3.5% additional Linkpoints Rebate on nett transaction amount (min. $350 card spend) |
Source: Trust Bank. Valid till 30 Jun 2024.
Caltex SAFRA Card Promotion
Also, if you sign up or renew your Singapore Armed Forces Reservist Association (SAFRA) membership, you can get $30 worth (six pieces of $5 off $60 Caltex fuel voucher) of Caltex fuel vouchers!
You can also maximise your fuel savings with up to 3% cash rebate with local MasterCard contactless transactions through your SAFRA DBS Credit or Debit Card.
That said, on top of the welcome/renewal vouchers, SAFRA members can enjoy these fuel discounts:
- 14% fuel discount for Caltex Ron 92, 95 Fuel & Diesel
- 16% fuel discount for Caltex Platinum 98 Fuel only
In total, you can enjoy up to 23% of fuel savings!
Caltex Automobile Association Card Promotion
Automobile Association (A.A.) of Singapore members will enjoy the following discounts when they present their AA Card:
- 16% instant discount on Caltex Platinum 98
- 14% instant discount on Caltex Regular 92, 95 and Diesel.
Do note that this discount may not be valid with other upfront discount promotions including but not limited to credit card discounts.
CaltexGO Loyalty Programme
Download the CaltexGO app to simultaneously earn loyalty points and seamlessly pay for your petrol without needing your wallet.
Those who are new to both OCBC debit/credit cards and CaltexGO can enjoy up to 25% off their first CaltexGO payment using an OCBC credit card.
Otherwise, those new to CaltexGO can also enjoy up to 23% off your first CaltexGO payment with no minimum spend! The offer is valid for NEW CaltexGO Users on the CaltexGO app!
Esso Credit Card Discounts
Citi Esso Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| Citi Cash Back Card Apply Now | All grades of petrol and diesel | Esso station discount: 5% Esso Smiles card discount: 5% Citi card discount: 4% | Citi Cash Back Card cash back (applies after Esso and Citi discount): 8% | Up to 20.88% |
| Citi Rewards Card & other Citi Credit Cards Apply Now | Esso station discount: 5% Esso Smiles card discount: 5% Citi card discount: 4% | - | 14% |
Source: Citi
DBS Esso Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| DBS Esso Card | All grades of petrol and diesel | Esso service station discount : 5% Esso Smiles Card discount: 5% Card: 8% | Additional S$8+S$3 = S$11 fuel savings with min. S$180 nett fuel spend at Esso per calendar month till 31 Oct 2024. | Up to 23% |
| Other DBS Cards | Esso service station discount : 5% Esso Smiles Card discount: 5% Card: 4% | - | 14% |
Source: DBS
OCBC Esso Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| POSB Everyday Card Apply Now | All grades of petrol and diesel | SPC&U Card Discount: 10% (5% for non-members) DBS/POSB Card Discount: 5% | 6% rebate | Up to 20.1% |
Source: OCBC
Trust Esso Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| Trust Link Credit Card | All grades of petrol and diesel | 16% | 0.22% rebate with no minimum spend. 3.5% additional Linkpoints Rebate on nett transaction amount (min. $450 card spend) | Up to 19% |
| NTUC Link Credit Card | 0.22% rebate with no minimum spend. 3.5% additional Linkpoints Rebate on nett transaction amount (min. $350 card spend) |
Source: Trust Bank. Valid till 30 Jun 2024.
Esso Smiles Driver Rewards Programme
This loyalty programme for Esso customers in Singapore gives you an equivalent of up to 2.4% in additional fuel savings.
- Earn 1 Smiles Point for every litre of Synergy fuel purchased at any Esso station.
- Enjoy S$10 instant fuel redemption with as low as 300 Smiles Points earned or up to S$30 instant fuel redemption with 750 Smiles Points earned.
Shell Petrol Credit Card Discounts
Citi Shell Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| Citi Cash Back Card Apply Now | All grades of petrol and diesel | Shell station discount: 5% Shell GO+ discount: 5% Citi card discount: 4% | Citi Cash Back Card cash back (applies after Shell and Citi discount): 8% | Up to 20.88% |
| Citi Rewards Card & other Citi Credit Cards Apply Now | Shell station discount: 5% Shell GO+ discount: 5% Citi card discount: 4% | - | 14% |
Source: Shell
HSBC Shell Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| HSBC Premier Mastercard | Shell V-Power / Shell FuelSave 98 only | Shell station discount: 5% Shell GO+ discount: 5% Card discount: 7% | Extra Upfront Discount: 1% 5% cash rebate with min. spend of $600 | Up to 22.10% |
| Shell FuelSave 95 / Shell FuelSave Diesel only | Shell station discount: 5% Shell GO+ discount: 5% Card discount: 4% | Extra Upfront Discount: 3% 5% cash rebate with min. spend of $600 | Up to 21.15% | |
| HSBC VISA Platinum Credit Card Apply Now | All grades of petrol and diesel | Shell station discount: 5% Shell GO+ discount: 5% Card discount: 4% | Extra Upfront Discount: 3% 5% cash rebate with min. spend of $600 | Up to 21.15% |
| HSBC Live+ & any other HSBC cards Apply Now | All grades of petrol and diesel | Shell station discount: 5% Shell GO+ discount: 5% Card discount: 4% | - | 14% |
Source: Shell
HSBC Shell GO+ Programme
Earn 1 Shell GO+ point for every $5 charged to your HSBC credit cards. HSBC turns all your spending into free petrol at Shell. With HSBC-Shell GO+ programme, earn 1 Shell GO+ point for every $5 charged to your HSBC credit cards and get 20% more Shell GO+ points when you pump Shell V-power.
| Monthly Spend Amount | Shell GO+ points earned |
|---|---|
| HSBC credit card spend of S$2,400 | 480 (every $5 spend = 1 Shell GO+ point) |
| Shell spend of S$240 (earned on your Shell GO+ account) | 120 (1L of Shell V-power = 1.2 points, 1L of Shell FuelSave98/95 & Shell Diesel = 1 point) |
| Total | 600 (Approx. S$20 worth of Shell fuels!) |
UOB Shell Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| UOB One Credit Card | All grades of petrol and diesel | SPC&U Card Discount: 10% Card discount: 5% | UOB Cards Offer: S$3 off (every S$51 nett spend) or 5% discount for non SPC&U members Card cashback: Up to 3.33% cashback on nett amount charged with min. S$500/ S$1,000/ S$2,000 per statement month per qualifying Quarter) | Up to 22.66% |
| All other UOB Credit/Debit Cards | UOB Cards Offer: S$3 off (every S$51 nett spend) or 5% discount for non SPC&U members | Up to 20% |
Source: Shell
UOB Cards x Shell SmartPay Promotion
An additional 3% upfront discount will be automatically applied when you pay with your UOB Card through Shell SmartPay. No promotion or offer code is needed to enjoy the discount.
Sinopec Petrol Credit Card Discounts
HomeTeamNS Sinopec Promotion
Bukit Timah Sinopec
You can get 24% instant savings off your fuel purchase (any fuel type) at Bukit Timah station.
Promotion cannot be combined with other promotional offers.
- Promotion is valid till 31 December 2024.
- Promotion is limited to Ordinary, Associate & Family Members only
- Members will need to present their HomeTeamNS Membership Card (as shown above) and a valid driver’s license at the point of purchase.
Woodlands and Yishun Sinopec
You can get 23% instant savings off your fuel purchase (any fuel type) at the Sinopec Woodlands and Yishun petrol service stations.
Promotion cannot be combined with other promotional offers.
- Promotion is valid till 31 December 2023.
- Promotion is limited to Ordinary, Associate & Family Members only
- Members will need to present their HomeTeamNS Membership Card (as shown above) and a valid driver’s license at the point of purchase.
OCBC Sinopec Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| OCBC 365 Credit Card Apply Now | All grades of petrol and diesel | 20% | 6% rebate with min. S$800 total spend in a month | Up to 24.8% |
| Other OCBC Credit/Debit Cards | 20% | - | 20% |
Source: OCBC
Sinopec X Card Promotion
Don’t forget to sign up for the Sinopec X Card as you get rewarded with X Points each time you purchase petrol. These X points can be used to redeem cash rewards for your future fuel purchases and are earned at these rates:
- SINO Power98 / SINO Power95 / Diesel = 1 Point per litre
- SINO X Power = 1.5 point per litre.
Every 90 X points can be redeemed for $3 off any fuel. This translates to about 1.65% in savings!
SPC Petrol Credit Card Discounts
DBS/POSB SPC Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| POSB Everyday Card Apply Now | All grades of petrol and diesel | SPC&U Card Discount: 10% (5% for non-members) DBS/POSB Card Discount: 5% | 6% rebate | Up to 20.1% |
UOB SPC Credit Card Discounts
| Credit Card | Fuel Type | Upfront Discount | Additional Discount | Effective Fuel Savings |
|---|---|---|---|---|
| UOB One Credit Card | All grades of petrol and diesel | SPC&U Card Discount: 10% Card discount: 5% | UOB Cards Offer: S$3 off (every S$51 nett spend) or 5% discount for non SPC&U members Card cashback: Up to 3.33% cashback on nett amount charged with min. S$500/ S$1,000/ S$2,000 per statement month per qualifying Quarter) | Up to 22.66% |
| All other UOB Credit/Debit Cards | UOB Cards Offer: S$3 off (every S$51 nett spend) or 5% discount for non SPC&U members | Up to 20% |
Source: UOB
SPC&U Card Promotion
Don’t forget to register for an SPC&U card to receive instant discounts. You’ll get to enjoy up to 10% discount on 92,95 and 98-octane petrol and up to 15% on diesel. Valid till 30 June 2024.
