Best Petrol Credit Cards in Singapore
| # | Name | Best for |
|---|---|---|
| 1 | DBS Esso Card | Esso drivers who fill up often |
| 2 | HSBC | Caltex drivers who already hold an HSBC card |
| 3 | Maybank | Maybank cardholders who fill up at Caltex |
| 4 | OCBC | Caltex and Sinopec drivers who also want dining and grocery cashback |
| 5 | POSB Everyday Card | SPC drivers who want a no-minimum-spend fuel card |
| 6 | Standard Chartered | Caltex drivers who use the CaltexGO app |
| 7 | Trust Bank Singapore | Caltex drivers who shop at FairPrice, Cheers or Kopitiam |
The best petrol credit card in Singapore depends on your station. The DBS Esso Card suits Esso (up to 26.2% off Synergy Supreme+), the OCBC 365 and Standard Chartered cards suit Caltex, and the POSB Everyday Card suits SPC (up to 20.1%). Figures below come from each bank’s own page, checked 8 October 2026.
What’s changed in 2026
- The DBS Esso Card now advertises up to 26.2% fuel savings on Synergy Supreme+ (24.2% on other Synergy fuels).
- OCBC has announced changes to the 365 card taking effect on 1 November 2026, so check current cashback rates before applying.
- Standard Chartered’s Caltex offer runs from 1 January to 31 December 2026, with the highest savings through the CaltexGO app.
- Trust Bank’s card line-up is now the Freedom and Link cards. The Link card offers up to 20% off fuel at Caltex.
- Older sign-up gifts and promotions in this article, such as the Samsonite luggage and the 2024 rebates, have been removed because they have expired.
What to look for in a petrol credit card
Petrol is costly in Singapore, so even a small discount adds up if you drive often. The headline “up to” figure usually combines an instant pump discount, a card cashback and a loyalty rebate. You often need a minimum monthly spend to get the full amount.
Match the card to the station you use most. Fuel discounts are tied to a brand: Esso, Caltex, SPC, Shell or Sinopec. Also check the annual fee, the income requirement and any monthly cap.
DBS Esso Card
Best for
- Esso drivers who fill up often
- Website
- dbs.com.sg
- Contact
- 1800 111 1111
- Features
- Fuel savings, Esso Smiles points, free fuel vouchers
DBS advertises up to 26.2% fuel savings on Esso Synergy Supreme+ and up to 24.2% on other Synergy fuels. That is a 20% instant discount (18% on other Synergy fuels), a 5% rebate with S$160 or more of monthly fuel spend, and about 1.2% back as Smiles Points.
Esso Smiles members earn 1 Smiles Point per litre of Synergy fuel. You can redeem S$10 in fuel vouchers at 300 points or S$30 at 750 points. DBS lists the administrative fee as S$0 if you apply by 31 December 2026. Check the DBS page for the current annual fee.
HSBC
Best for
- Caltex drivers who already hold an HSBC card
- Website
- cardpromotions.hsbc.com.sg
- Phone
- +65 6472 2669
- Features
- Caltex pump discounts, extra cash rebate on selected cards
HSBC’s current fuel offer is at Caltex. HSBC Premier Mastercard, Live+ and Visa Platinum cardholders get 17% off diesel, regular and premium 95 grades. Other HSBC credit cards get 14% off those grades.
HSBC says savings reach up to 21.15% once the 5% cash rebate is added. The rebate needs S$600 of eligible spend a month (or S$1,000 in the quarter your card is issued). The page shows no end date, so confirm terms with HSBC.
Maybank
Best for
- Maybank cardholders who fill up at Caltex
- Website
- maybank2u.com.sg
- Contact
- 1800 629 2265 (1800-MAYBANK)
- Features
- Diamond Sky Fuel Card, Caltex discounts, TREATS points
The Maybank Diamond Sky Fuel Card is a Caltex fuel card linked to your Maybank card. Reports on its 2026 promotion list up to 26.45% off Caltex fuel, plus 3X TREATS Points. Maybank charges a one-time S$2 card issuance fee.
A limited-time offer of up to 29.27% on the first three pumps ran from 14 May to 30 June 2026 and has ended. We could not load Maybank’s own page today, so confirm the current rate before applying.
OCBC
Best for
- Caltex and Sinopec drivers who also want dining and grocery cashback
- Website
- ocbc.com
- Phone
- +65 6363 3333
- Features
- Fuel cashback, Caltex, Esso and Sinopec discounts, dining and grocery cashback
The OCBC 365 Credit Card gives 6% cashback on fuel at all petrol stations. OCBC lists these maximum savings: up to 22.1% at Caltex, up to 20.2% at Esso and up to 24% at Sinopec.
You need to spend S$800 a month to earn category cashback. The overall cashback cap is S$160 a month. The principal card fee is S$196.20, waived for the first two years and waived afterwards with S$10,000 annual spend. Singaporeans and PRs need an income of at least S$30,000 (S$15,000 if aged 55 and above).
OCBC has announced changes to the card from 1 November 2026. Read the latest terms before you apply.
POSB Everyday Card
Best for
- SPC drivers who want a no-minimum-spend fuel card
- Website
- posb.com.sg
- Contact
- 1800 339 6666
- Features
- SPC fuel savings, cash rebate
POSB advertises up to 20.1% fuel savings at SPC stations. SingSaver (updated 1 January 2026) breaks this down as a 6% cash rebate and a 5% DBS/POSB card discount on top of the SPC pump discount, with no minimum spend for the SPC rebate.
The older S$6 cashback promotion in this article has ended. Check POSB’s page for the current terms and fees.
Standard Chartered
Best for
- Caltex drivers who use the CaltexGO app
- Website
- sc.com
- Phone
- +65 6747 7000
- Features
- Caltex upfront discount, eVouchers, CaltexGO app savings
- Simply Cash
- up to 27.91% on the CaltexGO app, 24.19% for indoor payment.
- Beyond and Visa Infinite
- up to 26.81% on the app, 23.04% indoors.
- Other SC cards
- up to 23.64% on the app, 19.82% indoors.
Standard Chartered’s Caltex promotion runs from 1 January to 31 December 2026. Maximum savings depend on the card and how you pay:
The offer includes a 17% upfront discount and a S$3 rebate when you spend at least S$100. New cardholders can get S$30 in Caltex eVouchers (six S$5 vouchers). First-time CaltexGO app users get a S$10 instant discount on a first payment of S$20 or more.
Trust Bank Singapore
Best for
- Caltex drivers who shop at FairPrice, Cheers or Kopitiam
- Website
- trustbank.sg
- Phone
- +65 3138 7878
- Features
- Caltex fuel savings, Linkpoints, FairPrice Group savings
Trust Bank’s current cards are the Freedom and Link credit cards. The Link card, issued with FairPrice Group, offers up to 20% fuel savings at Caltex and up to 21% savings at FairPrice Group outlets, plus Linkpoints on spending.
The Freedom card has no Caltex offer on Trust’s page. Its headline is 3% stockback on local and foreign spend until 31 December 2026. It drops to 2% local and 0.5% foreign from 1 January 2027, with quarterly caps. The older “Cashback” card described in earlier versions of this article is no longer the lead product on Trust’s site.
How to choose
| Station | Card to look at | Advertised maximum |
|---|---|---|
| Esso | DBS Esso Card | Up to 26.2% (Synergy Supreme+) |
| Caltex | Standard Chartered Simply Cash | Up to 27.91% (CaltexGO app) |
| Caltex | OCBC 365 | Up to 22.1% |
| SPC | POSB Everyday Card | Up to 20.1% |
| Sinopec | OCBC 365 | Up to 24% |
These are “up to” figures that depend on spend thresholds and card type. Banks change fuel promotions often, so check the bank’s page before you apply.
Frequently Asked Questions
What is the best petrol credit card in Singapore?
For Esso, the DBS Esso Card advertises up to 26.2%. For Caltex, Standard Chartered Simply Cash advertises up to 27.91% on the CaltexGO app. For SPC, the POSB Everyday Card advertises up to 20.1%.
What is the best credit card for Esso petrol?
The DBS Esso Card is built for Esso. It combines an instant pump discount, a rebate with S$160 monthly fuel spend, and Esso Smiles points. OCBC 365 also offers up to 20.2% at Esso.
What is the best credit card for Shell petrol?
We could not confirm a current Shell offer on the bank pages for the cards in this list. Check the Shell Go+ app and each bank’s promotion page for live Shell discounts.
Which credit card gives the best Caltex discount?
Standard Chartered cards lead through the CaltexGO app (up to 27.91% on Simply Cash). OCBC 365 offers up to 22.1%. HSBC offers 14% to 17% upfront, and Trust’s Link card offers up to 20%.
What is the best credit card for SPC cashback?
The POSB Everyday Card advertises up to 20.1% fuel savings at SPC with no minimum spend for the SPC rebate. Other banks also run SPC offers, so compare before you decide.
Are there income requirements for a petrol credit card?
Yes. For example, OCBC asks Singaporeans and PRs aged 21 to 54 for at least S$30,000 a year. Foreigners need at least S$45,000. Other banks set their own limits.
Should I use a petrol credit card or a debit card?
Credit cards usually carry the biggest pump discounts and rebates. They also give stronger protection against unauthorised transactions. Only use one if you pay the bill in full each month.
Should I get a petrol card as an extra card?
If you drive a lot, a dedicated fuel card alongside your everyday card makes sense. Pick the one that matches the station you use most.
Sources
Checked on 8 October 2026. Prices and hours change; confirm with the business before you go.
- dbs.com.sg — DBS Esso 26.2%/24.2%, Smiles, admin fee waiver to 31 Dec 2026
- ocbc.com — OCBC 365 fuel rates, fees, income, 1 Nov 2026 changes
- posb.com.sg — POSB up to 20.1% at SPC
- sc.com — SC Caltex promo table and 2026 validity
- trustbank.sg — Trust Freedom and Link cards, 20% Caltex
- cardpromotions.hsbc.com.sg — HSBC Caltex 14-17%, 21.15% with rebate
- hsbc.com.sg — HSBC card range
- singsaver.com.sg — POSB SPC 6% rebate + 5% card discount (updated 1 Jan 2026)
- singsaver.com.sg — Cross-check of station picks (updated 11 Mar 2026)
- littlebigreddot.com — Maybank Diamond Sky promo 14 May-30 Jun 2026 (search snippet only)