Best Shell Credit Card Discounts in Singapore 2026
Updated: 1 Jan 2026
Card | Hot Reward Pick | SingSaver Reward | Min. Annual Income | Card benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | Citi Cash Back Card | S$799 | S$30,000 | 0.2 - 8 % | S$196.20 | ||
 | UOB One Card | - | S$200 | S$30,000 | 3.33 - 10 % | S$196.20 | |
 | HSBC Live+ Credit Card | S$799 | S$65,000 | 0.3 - 8 % | S$196.20 |
The best credit cards for Shell discounts & fuel savings
|
8% cashback on petrol |
20.88% |
|
|
5% cashback (3.33% base cashback + 1.67% petrol cashback) |
24% |
|
|
5% cashback for petrol |
21.15% |
Citi Cash Back Credit Card
Citi Cash Back Card
- 6% cashback on dining and grocery spending (local & overseas).
- 8% cashback on petrol and private commute (local & overseas).
- Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back Card will be updated to end on 31 March 2026. For more information, please click here.
- 0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
- Dining rebate
- Supermarket rebate
- High-value gift
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
- Rebate cap applied
SingSaver's take
If your monthly expenses regularly exceed S$800, consider making the Citi Cash Back Card your go-to petrol credit card. Combine that 8% cashback and 20.88% fuel savings to cut driving costs for a happier wallet.
Pros
Enjoy your cashback rewards worldwide, whenever you spend on private commutes, petrol, dining and groceries.
Cons
The total available cashback is capped at S$80 per month across all qualifying retail spend.
UOB One Credit Card
- Up to 10% cashback on daily spend at McDonald's, Grab, SimplyGo (bus/train rides) and Shopee.
- Up to 8% cashback on all grocery spend.
- Up to 4.33% on SP utilities bill.
- Up to 3.33% cashback on all retail spend.
- Petrol savings of up to 22.66% at Shell and SPC.
- Greater savings with up to 5.3% p.a. interest with UOB One Account+.
- Supermarket rebate
- Grab/taxi rebate
- Spend at least $600 monthly based on your qualifying quarter to enjoy up to 10% cashback.
- Awarding of cash rebate only comes every quarter.
- Qualifying monthly spend for cash rebate has to be spread out across min. 10 different purchases.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
- Monthly spend required
- Rebate cap applied
SingSaver's take
An excellent choice for drivers who top-up regularly at Shell and SPC stations, with a monthly expenditure of S$500 or more. Make your weekly grocery hauls more cost-effective with this rewards card.
Pros
Great fuel savings at Shell and SPC stations help to make driving more affordable.
Cons
You need to spend at least S$2,000 monthly to earn the maximum cash rebate of S$200.
HSBC Live+ Credit Card
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
- 5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
- 0.3% cashback* on all other qualifying spend.
- First year annual fee waived.
- Dining rebate
- Entertainment rebate
- Petrol rebate
- Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
- Cashback* capped at S$250 per calendar quarter.
- Cash rebates* are credited quarterly instead of monthly.
- *Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
- High base minimum annual income requirement of S$65,000 (w.e.f. 1 October 2025) Learn more.
- Rebate cap applied
SingSaver's take
From exclusive discounts on bites across Asia to 21.15% fuel savings at Caltex and Shell stations islandwide—the HSBC Live+ Credit Card is a great pick for drivers who live to eat.
Pros
Great lifestyle benefits and fuel savings with Caltex and Shell make the HSBC Live+ Credit Card perfect for drivers who are also foodies and movie aficionados.
Cons
8% cashback for new HSBC Live+ members is lowered to 5% after their first 2 calendar quarters.
Card | Hot Reward Pick | SingSaver Reward | Min. Annual Income | Card benefit | Annual Fee | ||
|---|---|---|---|---|---|---|---|
 | UOB PRVI Miles Visa Card | - | - | S$30,000 | 1.4 - 8 | S$261.60 | |
 | Citi Rewards Card | S$799 | S$30,000 | 1 - 10 | S$196.20 | ||
 | Citi PremierMiles Card | S$799 | S$30,000 | 1.2 - 10 | S$196.20 | ||
 | HSBC Revolution Credit Card | S$799 | S$65,000 | 0.4 - 4 | No Annual Fee | ||
 | HSBC TravelOne Credit Card | S$799 | S$65,000 | 1.2 - 2.4 | S$196.20 | ||
 | Maybank World Mastercard | - | - | S$80,000 | 0.4 - 4 | S$261.60 |
Frequently asked questions on Shell credit card discounts
Look for cards with higher cashback rates or extra rewards points for fuel purchases at Shell stations. Examples of such credit cards include the Citi Cash Back Card, Citi Rewards Card, HSBC Live+ Credit Card, UOB One Card and the OCBC 365 Card (6% cashback on all petrol).
The next step is to sign up for a Shell GO+ membership so you can earn points as you pay for Shell's products and services, from fuel top-ups to service packages at the Autoserv. Don’t forget to link your credit card to Shell GO+ for exclusive discounts and rewards. Also, good news for SAFRA Scheme GO+ members—you get an additional 2% off on top of the aforementioned credit card discounts!
Shell GO+ is like your sidekick for grabbing awesome perks at Shell stations. With Shell GO+, you can collect points for every dollar you spend and swap them for fuel discounts, gift cards, or snacks at the Shell Select Convenience Store.
Shell GO+ is a digital loyalty programme that offers drivers rewards in exchange for petrol spend.
To use Shell GO+, simply search for "Shell Asia" on the Google Play or App Store. Download the app and register using your mobile number, create your account, and subscribe to keep up with the latest offers available.
For existing Shell Escape members, link your Shell Escape Card by entering the unique card number.
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1 Shell GO+ point per S$5 net spend on Shell Select purchases. Some exclusions apply.
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Earn 1.2 points for every litre of Shell V-Power and 1 point for every litre of other Shell Fuels.
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Earn points with purchase of Shell Helix Ultra service packages at the AutoServ.
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Earn 1 point with every $1 spend at the Shell Car Wash.
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Did you know that Shell has exclusive offers for new members? Sign up for 100 bonus welcome points, 10% off all Shell fuels with a min. spend of $20 and more perks.
For even more points, consider Shell’s referral programme which gives you 150 Shell GO+ points for every qualified referral.
All valid referrals must:
-
Sign up via the unique referral code
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Spend a minimum of S$60 for their first Shell GO+ transaction within 90 days of signing up.
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Drive a regular sedan and mainly use your car for going to work, back home and the occasional weekend trip to Johor Bahru? You'll probably be spending S$150-300 per week if you're pumping Grade 95 petrol with the current prices hovering around $2.85/litre across all vendors.
What about diesel vehicles? Though Singapore is phasing out diesel-powered cars and taxis by 2040 and will no longer accept the registration of such vehicles, the bulk of diesel vehicles on our roads are goods vehicles and buses. Assuming you drive a Toyota Hiace minivan and have a yearly mileage of 20,000km, you'll be spending about $90 per month with today's diesel averaging around $2.62 per litre.
It's important to note that fuel prices in Singapore can fluctuate based on global oil prices, regional benchmarks, taxes, and currency exchange rates.
Greater savings and Shell discounts can be yours with the right credit card! Take full advantage of the UOB Cards x Shell SmartPay Promotion for 24% fuel savings by using your UOB One or Reserve Credit Card. Or, pay with your Citi Cash Back Card for 14% fuel savings and 8% cash back. Don't forget the HSBC Live+ Credit Card, which gets you 21.15% fuel savings when you fill up with Shell V-Power.
Note that all other UOB cards get you 17% fuel savings, while all other Citi and HSBC cards net you 14% fuel savings.
When it comes to Shell discount credit cards, it can be hard to top the UOB One and Reserve cards' fuel savings of 24%. But if you're looking for fuel savings from other petroleum brands, there's always the OCBC 365 Credit Card. Not only do you get 6% cashback on all petrol spend, you can also enjoy up to 29.5% off fuel at Caltex, Esso and Sinopec. If you're a driver who clocks decent mileage and looking to save on recurring costs, do consider making this your dedicated petrol card.
The best petrol credit cards of 2026
We’ve crunched the numbers so you can review the data to find out which card best suits your financial habits and lifestyle.