Best Petrol Credit Cards in Singapore 2024

Searching for a generous petrol credit card that offers cashback, discounts, or points during your fill-ups? Drive more affordably and stress less about fuel costs with these top petrol credit cards in Singapore for optimal savings!

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Best Credit Card for Caltex

The OCBC 365 credit card delivers substantial benefits as your daily cashback companion, offering attractive rewards based on eligible spending. With this card, you earn a solid 6% cashback on local fuel expenses across all petrol service stations. The standout feature, however, lies in the remarkable fuel savings of up to 22.92% at Caltex, encompassing an 18% fuel discount and 6% cashback based on your spending. Alongside Caltex, you also relish savings of up to 21.04% at Esso stations and up to 26.8% at Sinopec stations.

Best Credit Card for Esso

For the highest petrol cashback rate at Esso without the fuss, opt for the DBS Esso Card. With an 18% instant fuel discount and potential total savings of 21.6%, plus up to 2.4% Smiles savings to offset fuel costs, it's a clear winner. Card sign-up enrols you in Esso's loyalty program, offering benefits like 0% interest motor insurance and road tax instalment plans.

DBS Esso Card open_in_new

Fuel Savings: Up to 21.60 %

Best Credit Card for Shell

For fueling up at Shell, the UOB One Card is your top choice. It offers potential savings of up to 21.15% on each Shell visit — composed of a 17% instant discount and an additional 5% cashback. This 17% discount comprises a 5% Shell station discount, 5% Shell Escape discount, and 7% UOB One Card instant discount. Keep in mind, that to get the full 5% rebate (up to S$300), UOB One cardholders must spend a minimum of S$2,000 per month (across at least five transactions) for three consecutive months in a quarterly period.

UOB One Card open_in_new

Fuel Savings: Up to 21.15 %

Best Credit Card for Sinopec

OCBC credit cards excel at Sinopec, offering exceptional fuel savings of up to 23%. Despite Sinopec's limited presence in Singapore, consistent time-limited promotions and added OCBC cardholder discounts enhance the deal. All OCBC credit cards secure a baseline petrol discount of 23% (Bukit Timah) and 20% (Yishun and Woodlands). OCBC 365 cardholders enjoy a 6% cashback on contactless payments (min. S$800 monthly).

Best Credit Card for SPC

If you're seeking a versatile card that offers savings on your car's fuel expenses and everyday purchases, the POSB Everyday credit card is your year-round solution. With this card, you can enjoy impressive fuel savings of up to 20.1% at SPC, and there's no requirement for a minimum spend. This discount comprises a 10% SPC&U member discount, an additional 5% discount, and an exclusive 6% cash rebate from the POSB Everyday card (applied to the final amount). Adding to the benefits, you can still secure an extra 2% cash rebate (capped at S$15) when you maintain a minimum monthly spending of S$800.

POSB Everyday Card open_in_new

Fuel Savings: Up to 20.10 %

Comparison of the Best Petrol Credit Cards in Singapore

Best credit card  Petrol station Total Fuel Savings
OCBC 365 Card
Caltex Up to 22.92%
Sinopec Up to 27%
DBS Esso Card 
Esso Up to 21.6%
UOB One Card
Shell Up to 21.15%
SPC  Up to 22.66%
OCBC Frank Card
Sinopec Up to 29%
POSB Everyday Card
SPC Up to 21.8%


Find Out How To Save More On Petrol With Credit Cards From On Favourite Petrol Kiosks

Save even more with Petrol Membership and Loyalty Rewards Programs

SPC&U Card

For more budget-friendly fuel costs at SPC, enrolling in the SPC&U membership card is a must. Instead of accruing points, this card provides direct petrol discounts (10% for petrol, 15% for diesel) for immediate savings. Members may also receive e-coupons and e-vouchers during SPC promotions. The recommended credit card to maximise SPC discounts is the POSB Everyday Card.

SPC&U Card benefits:

  • Free sign up
  • Instant discount on SPC petrol price
  • Members’ treats
  • Participation in members’ only events which may be organized from time to time
  • Receiving e-coupons and e-vouchers (where applicable) 

Shell GO+

Formerly Shell Escape, Shell GO+ is Shell's new and revamped loyalty programme. It provides a 10% discount on Shell fuels (min. S$20 spend) and 10% off Deli by Shell and Shell Car Care products. Members also earn 1.2 points with every litre of Shell V-Power and 1 point with every litre of other Shell Fuels. Various Reward offers can easily be accessed in the app's redemption catalogue.

Shell GO+ benefits:

  • Free sign up
  • Discount on Shell petrol price
  • Discount on Deli by Shell and Shell Car Care products
  • Earn points for qualifying purchases at Shell station or partners, and redeem rewards

ESSO Smiles 

Under the Esso Smiles Driver Rewards programme, motorists can earn one Smile Point per litre of Synergy fuel purchased at Esso stations. Furthermore, they can instantly redeem S$10 worth of fuel with just 300 Smiles Points or S$30 worth with only 750 Smiles Points accumulated. Members also enjoy fuel e-vouchers and special members-only periodic promotions on top of the usual fuel discounts.

ESSO Smiles benefits:

  • Free sign up
  • Discount on Esso petrol price
  • Earn Smiles points and redeem attractive Smiles rewards
  • Enjoy exclusive Esso promotions
  • Link the loyalty card with partner credit cards to enjoy fuel savings while earning Smiles points at the same time


Other than acting as a digital mobile wallet when paying for fuel at Caltex, the CaltexGo program allows members to earn and redeem loyalty points with every fuel purchase. Simply connect your Link Card in the app to automatically earn points. Every litre of Techron® fuel you pump at Caltex earns you 2 Linkpoints and 100 Linkpoints equals S$1.

CaltexGO benefits:

  • Free sign up
  • Discount on Caltex petrol price
  • Earn Link points with every litre of fuel purchased at Caltex
  • Enjoy special promotions and discounts

How to Maximize Savings on Petrol?
To maximize savings on petrol station spending, consider the following comprehensive tips:

Choose a Petrol Station Chain

Opt for a petrol station chain that offers loyalty rewards or discounts. It's beneficial to choose one closer to your home to reduce travel costs and time.

Join Fuel Loyalty Programs

Many petrol stations have loyalty programs that offer discounts, points, or cashback on fuel purchases. Joining these programs can help you save money over time.

Use Fuel Apps 

Some fuel stations offer mobile apps with rewards, discounts, and special promotions for regular customers. Download and use these apps to take advantage of savings opportunities.

Keep Your Petrol Loyalty Card Handy

Store your petrol loyalty card in your car so that you always have it with you. This ensures you can easily earn points or discounts on every fuel purchase. You may also choose petrol stations that offer mobile apps for fuel payments and earning points.

Pump When The Tank is Closer to Empty

Refill your tank when it's closer to empty rather than topping up frequently. This can help you maximize the benefits of any discounts or rewards tied to minimum spending amounts.

Check for Minimum and Maximum Spending Bonuses

Some petrol loyalty programs may require minimum spending to unlock bonuses or rewards. Similarly, they may offer maximum spending limits beyond which additional benefits kick in. Be aware of these details to optimize your savings.

Choose a Rewards Credit Card 

Look for credit cards that offer rewards or cashback on petrol purchases. In fact, some credit cards offer higher rewards specifically for petrol spending. There are also credit cards with partner petrol stations, offering fuel savings and points for every fuel purchase.

Switch Cards for Cashback Cap

If your credit card has a cashback cap on petrol spending, consider switching to another card once you reach the cap. This way, you can continue earning cashback on petrol purchases without missing out on rewards. This is also why finding the best credit card combination can benefit card owners.

Use Discount Coupons or Offers

Keep an eye out for discount coupons or special offers from petrol stations. These promotions can provide significant savings on fuel purchases. Plus, if you are a member of their loyalty programs, you are sure to enjoy surprise coupons, vouchers, and offers that petrol stations regularly offer.

Plan Your Trips Efficiently

Combine errands and plan your trips efficiently to reduce the number of times you need to visit the petrol station. This can help save fuel and money in the long run.

Maintain Your Vehicle 

Regular maintenance, such as keeping your tyres properly inflated, using the right fuel for your vehicle, and keeping the engine tuned, can improve fuel efficiency and save you money on fuel expenses.

Frequently Asked Questions For Petrol Credit Cards

What is the average cost of petrol consumption in Singapore?


Monthly fuel costs in Singapore vary widely based on vehicle type, driving habits, and fuel prices. For a small car averaging 1,000 km monthly at around 15 km/l, costs might range from S$120 to S$160. A mid-sized car (10 km/l) could be around S$180 to S$240, while larger vehicles (8 km/l) might be S$225 to S$300. These are rough estimates subject to fuel price changes.

Do all petrol credit cards come with cashback or rewards benefits?


Generally, petrol credit cards offer fuel savings up to 20%. However, not all have cashback or rewards benefits specifically for fuel purchases. While many do offer such benefits, it's essential to review the card's terms to understand its specific features related to petrol expenses.

Is it better to use a fuel card or credit card?


Choosing between a fuel card and a credit card for petrol expenses depends on your priorities. A fuel card offers dedicated rewards and simplified tracking for petrol purchases, while a credit card provides versatility across spending categories, travel benefits, and petrol-specific rewards. Consider your spending habits and the benefits that align with your preferences to determine which option suits you best.

Why you should use credit cards for your petrol expense?

Using credit cards for petrol expenses can be advantageous due to:
  • cashback or rewards programs
  • discounts and promotions with partner petrol stations
  • convenience and security features
  • the opportunity to build credit history 
  • easy budgeting and tracking of expenses
  • potential travel benefits such as travel insurance or air miles accumulation 
However, it's crucial to use credit cards responsibly by paying off the balance in full each month to avoid interest charges and selecting a card with petrol-specific rewards to maximize savings.