Best credit card for petrol purchase!

I have compared and consolidated the various discounts offered by credit cards and their partnering fuel brands. Most are valid till 31 Dec 2014 unless otherwise specified.

SPC&U Card: 15% discount off petrol

UOB One

• S$3.00 off every S$60.00 (for 15% SPC&U) worth of petrol (gross)
• 3.33% on final charged amount (Subject to minimum spend of S$300/$800/$1500 per month on anything, anywhere, for all 3 months in a quarter)
• Total discount: 22.66%

UOB

• S$3.00 off every S$60.00 (for 15% SPC&U) worth of petrol (gross)
• Total discount: 20.00% + UNI$

POSB Everyday (Advisor's choice)

• 6% cash rebates on nett fuel purchase
• Total discount: 20.10%

AMEX

• Applicable to The Centurion Card, American Express Platinum Card, American Express Platinum Reserve Credit Card or American Express Platinum Credit Card
• 7.06% credit on final charged amount (credited after 3 months)
• Min of S$100.00 spent in SPC per month to qualify for 7.06% credit
• Total discount: 21.00%

Site discount: 5%
Esso Smiles Card discount: 5%

OCBC

• 4% discount for OCBC Plus! Visa card on nett fuel purchase
• 4% rebate for all other OCBC CC on nett fuel purchase
• S$20.00 rebate for S$300.00 nett fuel purchase per calendar month
• Total discount: 19.60%

OCBC 365

• 14% instant discount
• 5% cash rebate (Subject to minimum spend of S$600 per calendar month on anything, anywhere) 
• Total discount: 18.30%

Citibank Dividend CC (Advisor's choice)

• 4% discount on gross fuel purchase
• 5% cash rebate on nett fuel purchase (Subject to min S$50.00 charged)
• Total discount: 18.30%

 DBS Esso Platinum

• 17% instant discount on gross fuel purchase
• Total discount: 17.00% + DBS Points

Site discount: 5%
Shell Escape card discount: 5%

HSBC Premier Mastercard

• 14% instant discount
• 6% cash rebate (Subject to minimum spend of S$800 per month on anything, anywhere, for all 3 months in a quarter) OR
• 3% cash rebate (Subject to minimum spend of S$400 per month on anything, anywhere, for all 3 months in a quarter)
• Rebates are capped at S$60 or S$120 (as the case may be) per Account per Quarter
• Total discount: 19.16% or 16.58%

HSBC Visa Infinite/HSBC Visa Platinum

• 14% instant discount
• 6% cash rebate (Subject to minimum spend of S$800 per month on anything, anywhere, for all 3 months in a quarter) OR
• 3% cash rebate (Subject to minimum spend of S$400 per month on anything, anywhere, for all 3 months in a quarter)
• Rebates are capped at S$60 or S$120 (as the case may be) per Account per Quarter
• Total discount: 19.16% or 16.58% 

Citibank Dividend (Advisor's choice)

• 4% Citi Rebates on final charged amount
• 5% cash back on final charged amount (Subject to min S$50.00 charged)
• Total discount: 18.1%

 

Site discount: 5%
Safra Card: 14% discount (including site discount)
AA Card: 11% discount (including site discount)

UOB One

• 16% instant discount for Caltex Platinum 98
• 14% instant discount for Caltex Premium 95
• 2% Smart$ rebate on final charged amount
• 3.33% on final charged amount (Subject to minimum spend of S$300/$800/$1500 per month on anything, anywhere, for all 3 months in a quarter)
• Total discount: 20.48% for Caltex Platinum 98
• Total disount: 18.58% for Caltex Premium 95

  UOB

• 16% instant discount for Caltex Platinum 98
• 14% instant discount for Caltex Premium 95
• 2% Smart$ rebate on final charged amount
• Total discount: 17.68% for Caltex Platinum 98
• Total disount: 15.72% for Caltex Premium 95

HSBC Premier Mastercard

• 14% instant discount
• 6% cash rebate (Subject to minimum spend of S$800 per month on anything, anywhere, for all 3 months in a quarter) OR
• 3% cash rebate (Subject to minimum spend of S$400 per month on anything, anywhere, for all 3 months in a quarter)
• Rebates are capped at S$60 or S$120 (as the case may be) per Account per Quarter
• Total discount: 19.16% or 16.58%

HSBC Visa Infinite/HSBC Visa Platinum

• 14% instant discount
• 6% cash rebate (Subject to minimum spend of S$800 per month on anything, anywhere, for all 3 months in a quarter) OR
• 3% cash rebate (Subject to minimum spend of S$400 per month on anything, anywhere, for all 3 months in a quarter)
• Rebates are capped at S$60 or S$120 (as the case may be) per Account per Quarter
• Total discount: 19.16% or 16.58% 

Citibank Dividend + Safra card (Advisor's choice)

• 5% cash rebate on nett fuel purchase (Subject to min S$50.00 charged)
• Total discount: 18.3%

 OCBC 365

• 14% instant discount
• 5% cash rebate (Subject to minimum spend of S$600 per calendar month on anything, anywhere) 
• Total discount: 18.30%

I have listed the credit card/combination with highest possible discount as the first option for every petrol brands. As some of these credit cards/combinations have several criteria to meet before you get the best discount, I have also marked my personal preference (basically fuss-free) with BOLD and ITALICS.

Updated: 7 Nov 2014


Tags: best, credit card, petrol, discount, SPC, Shell, Caltex, Esso