Credit Cards

3 Best Credit Cards for Petrol in Singapore

petrol credit card

Lynnette Goh



Singapore may be a tiny island, but it is precisely because of this that we need to keep our roads free from becoming like those of Bangkok. But with sky-high COEs and car prices that even Vin Diesel can’t ever comprehend, Singaporeans tend to do the exact opposite.

Can’t blame us right? Already pay so much for car liao, somemore not say value will increase, sure must drive until you get your money’s worth mah. But don’t forget: the more we drive the more we need to top-up petrol and their high prices are only getting higher. So before you feel like a bodoh peh kambing, here are the best cards that will help save you some money on expensive Singapore petrol:

DBS Esso Card UOB One Card

Citi Cash Back Card

Petrol Station Esso SPC Shell Shell


Station Discount

5% NIL 5% 5%


Loyalty Card Discount

5% 10% 5% 5%


Card Discount

7% 5%



(every $51 nett spend)

5% 6%


Card Rebate

(applies after all discounts)


(min. $200 fuel spend for 3 consecutive months)


5% UOB One Card rebate 7%

SMART$ rebate


5% UOB One Card rebate



Total Discount

21.1% 24% 21.8% 22.72%


Best for instant discounts – DBS Esso Card

DBS Esso Card

DBS Esso Card

Card Benefits

    • Up to 21.6% (instant 17% + S$30) fuel savings with a min. spend of S$180nett/month for Jan, Feb, Mar 2018
    • 17% instant discount at Esso (5% site discount + 5% Smiles card discount + 7% card discount)
    • Free fuel when you convert your shopping, dining and other card spend into Smiles Points
    • S$10 charged outside of Esso = 1 Smiles Point
    • S$30 fuel voucher = 750 Smiles Points

    The DBS Esso card is back with a huge bang. How huge? Well, how about 23.6% of savings kind of huge. Let’s also take a minute to rejoice at the fact that the card looks way better now than it used to.

    Besides a high upfront discount of 17% discount, this card has quite the comprehensive rewards points system for fuel redemption. Basically it allows you to convert your miscellaneous expenditure (of course you need to use your card for them) to Smiles points. The only downer (which isn’t really that big a deal) in this card is that it only applies to Esso stations, but you can’t get the best of everything. Esso then Esso it is lah hor. I mean, they do have one of the most petrol stations around the island.

    Every litre of Synergy fuel purchased from Esso gets you 1 Smiles point. If you don’t like synergy fuel, every $10 charged on whatever else you please (other fuel brands, bag, that dog in the pet shop) equates to 1 Smiles point.

    When you’re done collecting your Smiles points, you can redeem your points for fuel discounts, with a minimum redemption of 300 points for $10 of fuel. If you have enough points, you can redeem $30 of fuel for 750 Smiles points, and if you’re the sort who loves collecting tons of points, you can make multiple redemptions in one transaction in $30 tranches.

    But the benefits don’t just end there because now you are also rewarded for spending outside of Esso as well, so you don’t just have to limit your expenditure to petrol with this card. From 1 Oct – 31 Dec 2017, you earn 2X Smiles Points when you spend S$500 and above outside of Esso per calendar month, giving you a faster way to redeem for free fuel! Every $10 spent from $500-$2500 earns you 2 Smiles Points, and the 1 Smiles Point per $10 for the first $10-$499.

    Sign Up Promo: The DBS Esso Card is also running a limited sign up promotion: if you spend $200 per month for 3 consecutive months within the promotion period (Oct, Nov and Dec 2017), you get $30 cashback. Based on a nett fuel spend of $200 per month for 3 months, your total effective savings works out to 21.1%, which is the highest total savings for Esso at the moment. If you factor in the additional rebates in the form of Esso Smiles Points, that’s up to another 2.5%, totalling 23.6% in savings. Probably a good enough reason to sign up for this card now!

    If you are interested in the DBS Esso Card, you can apply here.


    Best for total savings – UOB One Card

    UOB One Card

    UOB One Card

    Card Benefits

      • At SPC Stations, up to 24% savings on fuel purchases
      • At Shell Stations, up to 20.8% savings on fuel purchases

      If your monthly spending exceeds the $2,000 mark, the UOB One Card can give you the highest discounts in terms of total cash back rebates. However, because it’s a UOB Card, it also enjoys discounts at petrol stations.

      For Shell petrol users, you’ll get an additional 5% UOB One Card rebate on top of the 7% SMART$ rebate and a 10% site and petrol card discount. SMART$ rebates can be used to offset your next petrol purchase while the 5% UOB One Card rebate is conditional with a minimum spend of $2,000, but only if your spending allows. That’s up to 20.8% in total savings. 

      This card also gives you really high savings with SPC. Besides the upfront discount of 15% and the 5% UOB One Card rebate, you get an additional instant $3 off every $51 nett spent (after station discount and coupons). Of course, as with all things, you’ll have to be a SPC&U card member to enjoy the full 15% discount. But if you do, that’ll total up to a really high 24% in savings altogether.

      Petrol aside, the card is celebrating its 10-year anniversary, so you save even more now. On top of the 5% rebates you can earn, they are also offering 10% in rebates on mobile payments. This is no small offering, with participating merchants such as FairPrice, SPC, McDonald’s, Uniqlo and Din Tai Fung just to name a few. Here’s what you need to do to qualify:

      1. Register via SMS (use icon)
        • SMS 10<space>NRIC to 77862. Limited to the first 10,000 Principal Cardmemembers.
      2. Digitise your UOB One Card on your phone (use icon)
      3. Tap and get rewarded (use icon)
        • Tap and pay with your phone on any contactless terminals islandwide from 10 August to 31 October 2017.

      On top of this, you will get a $100 cash credit ($80 cash credit for One Card and $20 for One Account)  if you apply now.

      If you are interested in the UOB One Card, you can apply here.


      Best for other benefits – Citi Cash Back Card

      Citi Cash Back Card

      Citi Cash Back Card

      Card Benefits

      • Get S$120 Cashback
      • Up to 20.88% discount at Esso stations: 5% Esso site discount + 5% Smiles card discount + 4% Citi Card discount + 8% Citi Cash Back Card cash back* (applies after Esso discount)
      • Up to 20.88% discount at Shell stations: 5% Shell site discount + 5% Shell Escape discount + 4% Citi Card discount + 8% Citi Cash Back Card cash back* (applies after Shell discount)
      • 8% cash back is valid with a minimum retail spend of $888/statement month on the Citi Cash Back Card

      Just like the UOB One Card, the Citi Cash Back Card also provides discounts at two different petrol stations, except this time it’s Esso and Shell.

      One big advantage this card has over the other Citi cards is its additional 8% Citi cash rebate provided on top of existing cash rebates across all Citi cards. Which totals up to a 20.88% savings for Esso, and 22.72% for Shell (this card offers up to 6% for Shell V-Power Nitro fuel!). It also offers an 8% discount for other petrol stations, which is extremely handy in avoiding a situation where you’re driving all over the place just to find one particular petrol station.

      This card also gives you other benefits like an 8% rebate on all your dining and grocery spend. If you’re a new Citi card applicant, you’ll also get $120 cashback if you spend a super achievable $200 a month. Which is a sweet deal if you ask me.

      If you are interested in the Citi Cash Back Card, you can apply here.


      Notable mention – HSBC Visa Platinum Credit Card

      HSBC Visa Platinum Credit Card

      HSBC Visa Platinum Credit Card

      Card Benefits

      • Option 1: American Tourister Caravan 70cm TSA luggage (worth S$260)
      • Option 2: S$100 Cash Back
      • Up to 20.2% in savings at Shell and Caltex stations
      • 16% instant discount Caltex stations (5% site discount + 9% HSBC card discount + 2% outdoor fuel payment discount + 3% or 5% cash rebate)
      • Valid till 31 Dec 2017
      • 16% instant discount at Shell stations (5% site discount + 5% Shell Escape discount + 6% HSBC card discount)
      • 3% or 5% in cash rebates (min. spend $400 or $800/month respectively for all 3 months)

      The HSBC Visa Platinum Credit Card is another heavyweight  on our list when it comes to significant savings for petrol.  Besides the instant discounts of 16% at Shell and Caltex (you’ll have to pay outdoors), it offers a maximum rebate of up to 5% on your petrol spend if you spend a min. of $800 a month. And with the exception of your debts, that $800 can be spent on basically anything local or overseas. That’s a pretty easy target to hit for a total of 20.2% in savings. 

      In addition to their heavy petrol benefits, this card is also great for household expenses, with up to 5% cash rebates on groceries and recurring telco bill payments. You also get a 2 year annual fee waiver. 

      If you are interested in the HSBC Visa Platinum Credit Card, you can apply here to get a MoneySmart exclusive sign up gift of up to $40 cash back and a free Delsey Helium Aero 71cm TSA luggage (worth $529). 


      Final Note

      There are plenty of other cards that give petrol discounts, and it’s also important to find a card that suits any other lifestyle needs you may have. If you are looking for other benefits as well, you can always head on down to MoneySmart’s Credit Cards section and compare various cards to see which fits you best.



      What’s your favourite card for petrol? Comment and let us know!

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      Lynnette Goh

      Spoilt kid turned free-spirit, I’ve struggled finding and funding myself taking a road less travelled. These days, I enjoy writing lifestyle topics that bring value to life and its future, injecting humour to otherwise boring topics. Who said personal finance can’t be fun? In my free time, you can find me chasing American dramas, and having the occasional glass of wine over conversations with friends.

      • I think it’s great that you summarized the top 3 cards!

        Do you have recommendations for cards for grocery shopping?

        I currently hold 3 different cash back cards – petrol, groceries and large expenses due to the different spending tiers. This is how I decide (

        However, if you have a better recommendation of a card which can meet all 3 of my needs I’ll be very appreciative! I find it a pain to carry cards from different credit card companies!