Best Credit Card for Petrol in Singapore

This is the next instalment of the "Best Credit Card" Series of posting. For those who are driving, you will have to top up petrol regularly. And since you have to top up petrol, you might as well make the full use out of it by using credit cards from banks that have special tie ups with your favourite petrol brands. In this article, we will explore the available promotion for each brand of petrol and the relevant promotions that associated credit cards enjoy.

Caltex

Caltex provides a site discount of 5% for all petrol purchases. The follow cards enjoy 14% off petrol purchase (inclusive of site discount)

• HSBC
• OCBC
• UOB
• SAFRA

Special Deal for HSBC Cards

HSBC Visa Platinum, Advance Visa Platinum, Premier MasterCard and Visa Infinite enjoys further 4% rebate on petrol. This works out to be about 17.44% savings on petrol from the purchase price. This is made up of 14% discount + 4% rebates on the amount paid.

Special Deal for UOB Cards

UOB One Card enjoys up to 19.68% discount from the purchase price. This consist of 5% site discount + 9% UOB Card discount + 2% SMART$ rebate + 3.33% One Card Rebate (if you hit the minimum spending amount) + 1.10% from Caltex Thanks Points.

Other UOB Cards that qualify for SMART$ enjoys up to 16.82% discount from the purchase price. This consist of % site discount + 9% UOB Card discount + 2% SMART$ rebate + 1.10% from Caltex Thanks Points.

Esso

Esso has a site discount of 5% and an additional discount of 5% for Smiles Card holders.

The following cards enjoys further discount for petrol purchases at Esso

• Citibank credit cards enjoy 14% petrol discount,  consisting of 5% site discount + 5% Smiles Card discount  + 4% Citibank Card discount.

Special Deals for DBS Esso Platinum Card

• Enjoy up to 17% discount by using  DBS Esso Platinum card, consisting of 5% site discount + 5% Smiles Card discount + 7 % DBS Esso Card discount

Special Deals for Citibank Cards

• Citibank Ultima and Citi Prestige Card enjoys 19.1% petrol discount, consisting of 5% site discount + 5% Smiles Card discount  + 4% Citibank Card discount + 6% Citi rebate (if you hit the minimum spending amount)

 

Shell

Shell seems to stop providing general discount tie up with banks as no information on this is available. The only discount available is 5% site discount and 5% Shell Escape Card discount. This is applicable to everyone, regardless of the card you are charging to. However, some banks are still offering their in-house rebate when you top up petrol at shell

Special Deals for HSBC Cards

• HSBC Premier MasterCard enjoys 19% petrol discount, consisting of 10% site and Shell escape card discount + 10% HSBC rebate (if you hit the minimum spending amount)
• HSBC Visa Infinite, Advance Visa Platinum and Visa Platinum enjoys 18.1% petrol discount, consisting of 10% site and Shell escape card discount + 9% HSBC rebate (if you hit the minimum spending amount)

Special Deals for Citibank Cards

• Citibank Ultima and Citi Prestige Card enjoys 19% petrol discount, consisting of 10% site and Shell escape card discount + 10% Citi rebate (if you hit the minimum spending amount)
• All other Citibank credit cards enjoys 13.6% petrol discount, consisting of 10% site and Shell escape card discount + 4% Citi rebate (if you hit the minimum spending amount)

SPC

SPC&U card holders enjoy 10% discount on petrol purchases at all SPC stations. In addition, the following cards enjoys petrol discount at SPC

• DBS/POSB credit cards, except ESSO Mastercard, enjoy 15% petrol discount (10% SPC&U card discount and 5% DBS card discount)
• UOB credit cards enjoy 15% petrol discount  (10% SPC&U card discount and 5% UOB card discount)
• American Express credit cards enjoy 16% petrol discount on Friday, Saturday and Sunday (10% SPC&U card discount and 6% Amex card discount)

Special Deal for POSB Everyday Card

Normally, POSB Everyday Card enjoys a savings of up to 17.55% discount. This consist of 10% SPC&U card discount + 5% POSB card discount + 3% rebate for POSB Everyday Card.

However, from now till 31 Dec 2013, POSB Everyday Card enjoys a savings of up to 20.1% discount. This consist of 10% SPC&U card discount + 5% POSB card discount + 6% rebate for POSB Everyday Card.

Special Deal for UOB Card

From now till 31 Dec 2013, UOB Card enjoys up to 21% on petrol. This consists of 10% SPC&U card discount, 5% UOB Card discount and 6% coupon discount ($3 off for every $50 purchase). However, this promotion is only valid for UOB MasterCard and Visa, so those having UOB Amex will not be able to benefit from this.

Credit/Debit Cards with Cash Rebates for all Petrol Purchase

 There are some credit and debit cards that provide cash rebates on all petrol purchases, regardless of the brand. Here is a listing of these card

• Citibank Dividend Card provides a rebate of 5% on all petrol purchases, subject to its terms and conditions. 
• Standard Chartered Xtrasaver Card provides a rebate of 7% to 15% on all petrol purchases, subjected to its terms and conditions.