Quick answer: The UOB One Card leads for Shell and SPC regulars with up to 22.66% savings, while the Citi Cash Back Card gives up to 23.64% off at Caltex, Esso, and Shell. DBS Esso Card fits Esso loyalists well, and the HSBC Revolution shines at Caltex and Shell. Miles collectors should look at the UOB Lady’s Card or Maybank World Mastercard. Pick based on your usual petrol station and whether you want straightforward rebates or travel miles.
Part of Best Credit Cards in Singapore: 33 guides covering this ground, for the wider view before you choose.
UOB
UOB’s petrol cards have built a quietly loyal following among Shell and SPC drivers, and it’s not hard to see why. The UOB One Card gives you up to 22.66% savings when you pump at those two networks – that’s roughly one litre in five free. If you prefer collecting miles, the UOB Lady’s Card nets 4 miles per dollar on transport categories including fuel, while the UOB PRVI Miles Card dishes out a steady 1.4 miles per dollar with extra discounts thrown in.
The bank has also picked up top petrol card nods at the SingSaver Awards, so this is a serious play, not a gimmick. You can apply online or visit any branch island-wide; the head office at 80 Raffles Place is a landmark in its own right. Phone 1800 222 2121 for queries. For the driver who passes a Shell or SPC station three times a week, this is a small ritual that pays you back every time the tank hits empty.
Details: 80 Raffles Place, UOB Plaza, Singapore 048624. Monday to Friday 9:30 AM – 4:00 PM, Saturday 9:30 AM – 12:30 PM (select branches). www.uob.com.sg
Related: Top Credit Card Promotions in Singapore — if you want to know which cards are running offers right now.
Related: Best Credit Card To Book Flights in Singapore — before the next set of air tickets goes on the wrong card.
HSBC
HSBC brings an international feel to your fuel stops, with the HSBC Revolution Credit Card knocking up to 16% off at Caltex and Shell. Pair it with the CaltexGO app and the savings stack even more. If miles are more your style, the HSBC Premier Mastercard earns 1.2 miles per dollar without any cap, and you still get those instant pump discounts. The bank has been recognised at the World Finance Awards for rewards excellence, so it’s not just small change. Reach them at 1800 4722 669 or step into their Marina Bay Financial Centre office; most matters are sorted online anyway.
This card works well for anyone whose routine takes them past Caltex or Shell frequently, especially if you want a card that rewards you beyond just petrol.
We compile these ourselves and take suggestions. If your business belongs on this list, tell us why. And if you’re hunting for dining deals too, check out Elite Dining Rebate Credit Cards That Elevate Singapore’s Culinary Scene.
Details: 10 Marina Boulevard, Marina Bay Financial Centre Tower 2, Singapore 018983. Monday to Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 12:00 PM. www.hsbc.com.sg
Citi
Citi’s petrol savings are tip-top if you fill up at Caltex, Esso, or Shell. The Citi Cash Back Card hits up to 23.64% savings – nearly a quarter off each tank. For miles chasers, the Citi Rewards Card paired with Amaze yields 4 miles per dollar, and the Citi PremierMiles Card earns 1.2 miles per dollar with instant discounts at Esso and Shell. It won Best Petrol Card at the MoneySmart Awards, which tells you it’s not a flash in the pan. Call 6225 5225 or head to their Changi Business Park office; you can handle everything via the app, including application. This one turns everyday commutes into a steady drip of travel rewards – good for the driver who’s already planning the next getaway.
Details: 5 Changi Business Park Crescent, #07-00 Changi City, Singapore 486027. Monday to Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 12:00 PM. www.citibank.com.sg
OCBC
OCBC’s fuel cards mix heritage with modern savings. The OCBC 365 Credit Card delivers up to 22.92% at Caltex and 21.04% at Esso. If you’re into miles, the OCBC VOYAGE earns 1.6 miles per dollar, and the OCBC 90°N Card gives 1.3 miles per dollar. They also work with Sinopec, which is handy if you’re out west. MileLion and SingSaver have often highlighted OCBC for its user-friendly approach, and they’ve bagged fuel card honours at the HardwareZone Awards. Contact 1800 363 3333 or swing by their OCBC Centre South office. It’s a card that feels dependable, like a solid kopi uncle who remembers your order.
Details: 18 Church Street, #01-00 OCBC Centre South, Singapore 049479. Monday to Friday 9:00 AM – 4:30 PM, Saturday 9:00 AM – 11:30 AM. www.ocbc.com
Maybank
Maybank flies a little under the radar for fuel, but the Maybank World Mastercard is a quiet powerhouse for miles lovers – 4 miles per dollar on offline petrol transactions, no cap. If you prefer cashback, the Maybank Family & Friends Card gives a flat 8% on fuel and other family expenses. Both work at Caltex and Esso stations. They’ve been recognised as Best Regional Bank at the Asian Banking & Finance Awards, so the regional muscle is genuine. Ring 1800 629 2265 or visit their Maybank Tower on Battery Road. For a family that piles into a car every weekend, the 8% cashback is a simple, no-fuss win.
Details: 2 Battery Road, Maybank Tower, Singapore 049907. Monday to Friday 9:15 AM – 4:45 PM, Saturday 9:15 AM – 12:45 PM. www.maybank.com.sg
Standard Chartered
Standard Chartered’s Simply Cash Credit Card hits up to 23.7% savings at Caltex, plus a flat 1.5% unlimited cashback on everything else. For miles, the Journey Card earns 1.2 miles per dollar and the Visa Infinite gives 1.4 miles. The Caltex partnership means you can stack Instant discounts without fussing over points. They’ve been named Best Consumer Digital Bank at the Global Finance Awards, which speaks to the polish of their mobile experience. Call 1800 747 7000 or visit their Marina Bay office. If you’re a Caltex diehard who wants something straightforward with no spending caps to track, this one’s worth applying.
Details: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981. Monday to Friday 10:00 AM – 5:00 PM, Saturday 10:00 AM – 1:00 PM. www.sc.com/sg
DBS
DBS runs a tight ship with the DBS Esso Card, stacking up to 21.6% savings at Esso – perfect if you’re already an Esso regular. The DBS Altitude Card earns 1.3 miles per dollar on local spend, and the POSB Everyday Card gives up to 20.1% at SPC. They’ve won Asia’s Best Bank at the Euromoney Awards for Excellence, so the ecosystem is smooth as silk. Ring 1800 111 1111 or pop into any branch; the head office is at Marina Bay Financial Centre but you likely have a branch near your estate. It’s a card that feels like a natural extension of your everyday banking, no need to juggle separate apps.
Details: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982. Monday to Friday 9:30 AM – 4:00 PM, Saturday 9:30 AM – 12:30 PM. www.dbs.com.sg
If your weekends revolve around road trips to the North-South Highway, you might also like our guide to Credit Cards for Airline Miles in Singapore.
How to choose
Start with the petrol station you visit most often. Shell and SPC pair best with UOB. Caltex shows up strong with Citi, Standard Chartered, and OCBC. Esso works well with DBS, Citi, and OCBC. Caltex also plays nicely with HSBC. Then decide between cashback and miles. Cashback is immediate gratification – you see the discount on the receipt. Miles take a little patience but can fund your next holiday. If you drive a lot, uncapped rewards matter; Maybank World Mastercard offers 4 miles per dollar with no cap on offline petrol, which is rare. Instant discounts are easier than points redemption, and most cards here give you the discount right at the pump. All cards come with annual fees, but many waive them if you hit a minimum annual spend – confirm when you apply.
| Brand | Pick for fuel | Max discount | Miles earn | Petrol stations | Contact |
|---|---|---|---|---|---|
| UOB | One Card | 22.66% | Up to 4 mpd (Lady’s) | Shell, SPC | 1800 222 2121 |
| HSBC | Revolution Card | 16% | 1.2 mpd (Premier) | Caltex, Shell | 1800 4722 669 |
| Citi | Cash Back Card | 23.64% | Up to 4 mpd (Rewards + Amaze) | Caltex, Esso, Shell | 6225 5225 |
| OCBC | 365 Card | 22.92% at Caltex | 1.6 mpd (VOYAGE) | Caltex, Esso, Sinopec | 1800 363 3333 |
| Maybank | World Mastercard | 8% cashback (F&F Card) | 4 mpd (World MC) | Caltex, Esso | 1800 629 2265 |
| Standard Chartered | Simply Cash Card | 23.7% at Caltex | 1.2 mpd (Journey) | Caltex | 1800 747 7000 |
| DBS | Esso Card | 21.6% at Esso | 1.3 mpd (Altitude) | Esso, SPC | 1800 111 1111 |
Summary
From instant rebates at the pump to miles that send you on your next holiday, these fuel discount credit cards cover every driver’s preference. Whether you’re loyal to Caltex, Shell, or Esso, you’ll find a card that puts money back in your pocket. Pick one, fill up, and let the savings roll in.
Disclaimer: Details can change. Please confirm fees, rates, and eligibility directly with the bank before applying.
We compile these ourselves and take suggestions. If your business belongs on this list, tell us why.
Frequently asked questions
Which card gives the highest fuel discount in Singapore?
The Citi Cash Back Card leads with up to 23.64% savings at Caltex, Esso, and Shell. Standard Chartered’s Simply Cash Card follows closely at 23.7% at Caltex. For the highest all-rounder, UOB One Card hits 22.66% at Shell and SPC.
Can I earn miles on petrol spending?
Yes. The UOB Lady’s Card gives 4 miles per dollar on transport categories including fuel. The Maybank World Mastercard also earns 4 miles per dollar on offline petrol transactions without a cap. Citi Rewards Card paired with Amaze can achieve 4 miles per dollar too.
Which card is best for Shell stations?
UOB One Card is the standout for Shell, giving up to 22.66% savings. The HSBC Revolution Card also works at Shell with up to 16% off. Both offer instant discounts at the pump.
Do these cards have annual fees?
All credit cards listed have annual fees, but many banks waive them if you meet a minimum annual spend. Check with the issuing bank for the exact waiver conditions before you apply.
Which card should I choose if I drive a lot and want unlimited rewards?
Maybank World Mastercard offers 4 miles per dollar on offline petrol with no cap, making it ideal for high-mileage drivers. The Standard Chartered Simply Cash Card also provides unlimited 1.5% cashback on all spending, including after the fuel discount.
Are the fuel discounts instant or do I need to redeem points?
Most cards here offer instant rebates at the point of transaction. Cards like UOB One, Citi Cash Back, and DBS Esso deduct the discount immediately at the pump. Miles-earning cards typically credit the miles to your account after the transaction, not as an instant discount.
