Petrol Credit Cards in Singapore — Ranked by Your Spending
8 Singapore cards earn bonus petrol rewards. This page ranks them by the cashback or miles you would earn on your own spending — set your monthly spend and what a mile is worth to reorder. Updated June 2026
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Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Cashback counts at face value; miles are valued at the cents-per-mile you set. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
How petrol credit-card rewards work in Singapore
Petrol rewards in Singapore usually arrive in two layers. The first is the instant discount at the pump when your card is tied to a station partner — Shell, Esso, Caltex and SPC each run their own scheme, and the size of that discount is set by the station, not by your card’s reward rate. The second layer, the one this page ranks, is the cashback or miles your card pays on the fuel transaction itself, on top of any pump discount.
What actually moves your earn is rarely the headline rate. Most fuel bonuses sit behind a monthly minimum spend across the whole card, and many cap the bonus at a fixed amount each month, after which petrol drops to the base rate. Fuel bought outside a card’s named stations, or under a non-fuel merchant code, often earns nothing extra. The calculator applies your real monthly fuel figure to each card’s rules, so an unmet minimum or a tight cap shows up in the ranking rather than the marketing line.
Cashback and miles reward the same litre differently: a cashback card returns a percentage you can stack on the station discount and spend immediately, while a miles card turns fuel into travel currency that only pays off if you redeem it well. Set what a mile is worth to you to weigh the two on equal terms.
For how each figure is sourced, time-stamped, and built — and what the calculator does and does not model — read our methodology.
Frequently asked questions
Which credit card earns the most on petrol in Singapore?expand_more
It depends on how much you spend on fuel each month and whether you value cashback or miles. Set your monthly petrol figure in the calculator above and the cards re-rank by what they would actually pay you — the answer shifts with your spend and, for miles cards, with the value you assign to a mile.
Is there a minimum spend to earn the petrol bonus?expand_more
Often, yes. Many fuel cards pay their elevated rate only once your total monthly card spend crosses a threshold, and some also require the transaction to be at a named station. The calculator uses your real spend, so a card whose minimum you do not meet falls down the ranking instead of showing its headline rate.
Should I pick cashback or miles for petrol?expand_more
Cashback returns a percentage you can stack on top of the pump discount and use right away; miles turn fuel spend into travel currency that is only worth it if you redeem well. Use the cents-per-mile control in the sidebar to value miles your way and compare both card types on one list.
Which petrol stations qualify — Shell, Esso, Caltex or SPC?expand_more
Each card partners with specific stations, and the instant pump discount is tied to that partner. A card’s own cashback or miles usually apply to fuel spend more broadly, but the headline station discount only lands at the named brand. Check the card’s terms for its exact partner before relying on a particular station.
Is there a cap on petrol rewards?expand_more
Usually. Most cards cap the bonus fuel reward at a set amount per month, after which petrol earns the base rate. A high rate with a low cap can return less than a modest rate with room to run, so the calculator factors caps in at your spend level rather than just comparing headline rates.