Shell has the broadest petrol-card lineup in SG — multiple bank partnerships layer pump discount (Shell-Citi 14%, Shell Escape via Visa, etc.) on top of standard cashback at the petrol MCC (5541). Combined savings tops out around 21-22% for users who hit the partner card's tier minimum; generic petrol cards still earn 6-8% across all stations.
Citibank
8% on Petrol (Esso, Shell, Caltex, SPC, Sinopec — MCC 5541/5542). Requires S$800/mo Qualifying Spend; bonus capped at S$80/mo total across all bonus tiers (per-tier sub-caps not enforced separately). Effective 1 April 2024.
OCBC
Petrol (MCC 5541, 5542) on-counter; excludes fleet card top-ups (Esso Speedpass etc). Stacks with onsite station discount; Caltex up to ~22.92% effective.
UOB
Applies only to ONE category you select (locked per quarter).
10X UNI$ per S$5 (UNI$10 = 4 miles per S$1) on user-selected Preferred Rewards Category. Cap 1,800 UNI$/mo bonus = S$1,000/mo of qualifying spend (cap_unit=spend). User selects ONE category quarterly. Categories: Beauty (5912/5977/7230/7231/7298/7297), Dining (5811/5812/5814/5499), Entertainment (5813/7832/7922), Family (5411/5641), Fashion (5311/5611-5699/5948), Transport (4111/4121/4789/5541/5542), Travel (airlines+hotels). Engine matches optimistically — actual user only earns 4 mpd on currently-selected category.
These are the objective top picks. Perqa narrows them to the cards in your wallet and tracks your spend so you always use the right one.
Try Perqa — freeCiti Cash Back Card pays 21.15% combined (8% cashback + 14% Shell-Citi pump discount) at all Shell stations in SG. OCBC 365 pays ~21.13% (Shell Escape discount + 5% cashback at min S$800/mo). HSBC Visa Platinum offers similar layered rates.
Yes — Shell Escape is the loyalty programme (points-based, separate from payment). The pump discount is automatic at SG Shell stations when you pay with a participating card. Cashback is calculated on the discounted amount.
No. Shell Select runs under MCC 5411 or 5499 (food/grocery), not petrol MCC 5541. Petrol-category cards only match the fuel charge.