You pump RON 95 at least once a week right?
Most of us do.
It is the bread and butter of Singapore motorists because it gives you decent performance without the premium price tag of RON 98.
But here is the thing, if you are not paying attention to which petrol station you choose and which credit card you use, you are basically throwing money away every single time you fill up.
Current RON 95 Prices Across Singapore Petrol Stations
This week, RON 95 prices are hovering around the $2.87 to $2.88 mark across most major stations.
Petrol Station | Full Price | Best Card Discount | Discounted Price | Discount % |
|---|---|---|---|---|
Esso | $2.88 | Citi Cash Back | $2.20 | 23.88% |
Shell | $2.88 | Citi Cash Back | $2.27 | 20.88% |
SPC | $2.87 | American Express | $2.26 | 21.0% |
Caltex | $2.88 | OCBC 365 | $2.21 | 22.92% |
Sinopec | $2.88 | OCBC 365 | $2.23 | 22.57% |
These are base rates. The real savings happen when you add a credit card.
The Best Credit Card For Pure Discount: Esso with Citi Cash Back
What You Save
Fill up 50 litres at Esso without a card: $144
Fill up 50 litres with Citi Cash Back: $110
Savings per fill up: $34
Over two fill ups a month, that is $68 back in your pocket. Enough for a family dinner or your kids activity fees.
Why Esso Wins
Esso with Citi Cash Back offers 23.88% discount. That is the best rate across all stations:
- Esso: 23.88%
- Caltex (OCBC 365): 22.92%
- Sinopec (OCBC 365): 22.57%
- Shell (Citi Cash Back): 20.88%
- SPC (American Express): 21.0%
If you are a regular Esso user with a Citi card, you are already winning. If you do not have the card yet, it is worth getting one just for the fuel savings.
The Math Over Time
Over a year with 100 fill ups, that 23.88% discount saves you hundreds of dollars. Money that could go toward your kids or your family holiday.
The Miles Card Option: Best For Those Who Love Collecting Miles
If you love collecting airline miles, here are your best options:
Best Miles Credit Cards for RON 95 Petrol
| Card | Petrol Station | Discount | Miles Earned | Cap |
|---|---|---|---|---|
| Maybank World | Sinopec | Up to 23% | 4 mpd | No cap |
| UOB Lady's | Sinopec | Up to 23% | 4 mpd | $1K per month |
| Amaze + Citi Rewards | Sinopec | Up to 23% | 4 mpd | $1K per month |
| UOB Preferred Platinum | Sinopec | Up to 23% | 4 mpd | $1.11K per month |
| Citi Rewards | Caltex | 17% | 4 mpd | $1K per month |
The Miles Reality Check
Most miles cards earn 4 miles per dollar on petrol. Here is the comparison:
- 4 miles at 2 cents per mile = 8 cents back per dollar
- 23% cash discount at Esso = 23 cents back per dollar
- Discount is almost 3 times better than miles value
Why Miles Cards Still Make Sense
If you would spend the discount elsewhere anyway and you love accumulating miles:
- Use Maybank World at Sinopec (up to 23% discount, 4 miles per dollar, no monthly cap)
- Best choice for high volume pumpers who want both discount and miles
- No monthly spending limits like other cards
Other Miles Options
UOB Lady's at Sinopec:
- Same 23% discount and 4 miles per dollar
- But capped at $1K per calendar month
- Must select Transport as quarterly bonus category
Amaze plus Citi Rewards at Sinopec:
- Good combination of discount and miles
- Capped at $1K per statement month
- Less convenient location than Esso
My Take: Discount Now, Miles Later
If you want pure savings:
Get the Citi Cash Back Card and pump at Esso. No overthinking, no monthly caps, no bonus categories to remember. Free application. Savings are immediate.
If you love miles:
Use Maybank World at Sinopec. You get up to 23% discount plus 4 miles per dollar with no monthly cap. Best of both worlds if you pump regularly.
Bottom Line
Do not just drive to the nearest petrol pump. Know your numbers. Get the right credit card.
Every $ saved is a $ you can spend on something that actually matters to your family.
Stop leaving free money on the table every single time you fill up.