Credit Cards

Caltex Petrol Discounts in Singapore – Which Credit Card is Best?

caltex credit card discount singapore

Lynnette Goh



It’s not a secret that Caltex has one of the highest petrol prices in Singapore, but did you know that it also gives the one of the highest credit card petrol discountsThere’re many cards in the market you could use for discounts at Caltex. Most of the cards we had on our list offered the same instant savings: you pump Caltex 98 or make an outdoor payment, you get 2% more discount at 16%. If you don’t, you get 2% less (14%).

Standard Chartered

Visa Infinite Card

OCBC 365 Card Standard Chartered

MANHATTAN World Mastercard

Station Discount 5% 5% 5%
Loyalty Card Discount 11% 11% 11%
Card Discount
Card Rebate

(applies after all discounts)

10.8% 5%

(with min. $600/mnth)



(with min.$300 nett fuel spend/mnth)




MANHATTAN cashback

Total Discount 25.07% 23% 22.3%

Best for total savingsStandard Chartered Visa Infinite Card

Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Credit Card

Card Benefits

  • 35k Miles OR 15k Miles + 28" Samsonite Lite-Shock Spinner (worth S$950)
  • 20% Cashback on Uber Rides Globally
  • Up to 25.07% effective fuel savings at Caltex (16% onsite discount on Caltex Platinum 98 petrol + 10.80% rebate on nett transaction) till 30 Jun 2017

If you’re already exceeding a monthly expenditure of $600, this card may serve you well. The card with the highest rebates on our list at 10.80%, the Standard Chartered Visa Infinite Card offers the highest in total savings, especially if you’re pumping Caltex 98. The only downside is that their high rebates are capped at $250 for their promotional period of 9 months. Which works out to only $27.78 a month. This means you should only charge a maximum of $257.20 to this card for your petrol expenses.


Best for no cap rebates- OCBC 365 Credit Card

OCBC 365 Credit Card

OCBC 365 Credit Card

Card Benefits

  • Up to 23.8% discount at Caltex and 18.3% at Esso, (14% onsite and OCBC 365 discount + 5% Cashback*)
  • 5% Cashback at all other petrol stations
  • *Minimum spend of $600/month, $80 cap /month

You’ll need to spend a minimum of $600 on this card every month, of which, at least $300 should be on your petrol. But this is not a difficult target to hit, considering how this works out to an average $75 weekly bill at the petrol station. My Honda Type-R already sets me back an average $82 a week. Also, there’s no mention of any maximum caps in this card’s T&Cs. You know what that means… No more counting of how much you’ve spent on XYZ card for petrol and pondering if you should switch to a second credit card.


Best for other benefits- Standard Chartered MANHATTAN World Mastercard

Standard Chartered MANHATTAN World MasterCard

Standard Chartered MANHATTAN World MasterCard

Card Benefits

    • Up to 22.3% effective fuel savings at Caltex (16% onsite discount on Caltex Platinum 98 petrol + 4.50% card rebate + up to 3% MANHATTAN cashback) till 30 Jun 2017

    This card has a high minimum spending of $3,000 and comes in third in total savings of the cards in our list. However, it’s current online sign-up promotion is a pretty sweet deal. For a limited time, Standard Chartered is offering a free $150 Caltex StarCash card for new applicants. You only have to make 3 transactions for within the first 3 months you receive your card. That’s like giving you $150 to spend on your petrol.


    Other Cards with Caltex Discounts

    Of course, besides the above mentioned credit cards, there are other cards from the same banks that offer discounts for Caltex petrol too. If you’re curious, you might want to check out other cards from Standard Chartered, HSBC, and OCBC. Especially if you’re planning to take advantage of your expenditure for benefits like dining privileges or travel discounts. Find the best credit card in Singapore for your lifestyle choices today.


    Do you pump petrol at Caltex? Do you have any other tips and tricks we might have missed out? 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.