In Singapore, a yellow seashell doesn’t imply a day on the seashore, however relatively indicators that your gas-guzzling automobile is out of petrol and it’s time to refill your tank at Shell but once more. We hope you’ve acquired a superb Shell petrol bank card, cos Singapore petrol costs are fairly excessive.
We’ve completed the mathematics for you and picked out the very best Shell petrol bank cards in Singapore.
Greatest Shell petrol bank cards in Singapore
| Citi Money Again Card | UOB One Card | HSBC Visa Platinum Credit score Card | BOC Zaobao card | |
| Station low cost | 5% | 5% | 5% | 5% |
| Shell Escape Loyalty card low cost | 5% | 5% | 5% | 5% |
| Card low cost | 4% | – | 4% | – |
| Card rebate (applies in any case reductions) | 8% | 7% SMART$ rebate + 5% UOB One card rebate | 5% (min. spend monthly $600 for 1 quarter) | 23% (min. Spend $600) |
| Whole low cost | 20.88% | 20.8% | 18.3% | 30.7% |
Greatest card for max financial savings – UOB One Card
The UOB One Card is one in every of Singapore’s most beneficiant all-purpose cashback playing cards along with being a fantastic Shell petrol bank card.
The catch is that to get pleasure from most financial savings, you’ll want to have the ability to persistently spend $2,000 a month, because the minimal spending necessities for the highest tier of rebates require that you simply accomplish that each month in 1 / 4.
Right here’s the way it works. On the cashier counter at Shell, you immediately get a 5% station low cost and a 5% Shell Escape loyalty low cost.
You’ll additionally obtain 7% SMART$ money rebates on the quantity you really paid, which can be credited to your account while you obtain your assertion on the finish of the month. In case you don’t need to use the rebate in your petrol invoice, UOB’s record of SMART$ retailers can be fairly complete, spanning between all classes of merchandise equivalent to F&B, electronics, groceries, garments, and so forth.
On the finish of the quarter, you’ll get a 5% UOB One rebate relying on which spending necessities you managed to fulfill. Those that spend at the least $2,000 every month within the quarter can be rewarded with $300, equal to as much as 5% rebate. Spend $1,000 each month within the quarter and also you get $100 rebate, value as much as 3.33%, whereas spending $500 in a month will entitle you to $50 rebate, additionally equal to a most of three.33%. By the best way, these rebates are given out not simply in your petrol spending however all the things else you spend on the cardboard.
The utmost petrol low cost you may obtain, should you handle to spend $2,000 each month within the quarter, is 20.8%.
Right here’s how a lot you’ll save on $200 value of petrol with a UOB One Card based mostly on how a lot you spend:
| Month-to-month expenditure | $2,200 | $1,200 | $700 | $200 |
| Station low cost | 5% | 5% | 5% | 5% |
| Shell Escape loyalty card | 5% | 5% | 5% | 5% |
| $200 of petrol after low cost | $180 | $180 | $180 | $180 |
| UOB 7% SMART$ | $12.60 | $12.60 | $12.60 | $12.60 |
| Quarterly money rebate | $300 | $100 | $50 | $0 |
Greatest card for immediate financial savings – Citi Money Again Card
Identical to the UOB One, the Citi Money Again Card is a stable cashback bank card along with being one in every of Singapore’s greatest Shell petrol bank cards.
Whereas the 8% cashback supply doesn’t apply to each single factor you possibly can presumably spend on, it’s broad sufficient to allow you to use your card typically, because it’s prolonged additionally to eating and groceries. And hey, the $888 minimal spending requirement isn’t as excessive because the UOB One’s $2,000.
On the cashier counter, along with the 5% station low cost and 5% Escape loyalty card low cost, you additionally obtain 4% rebates upfront because of your Citi Money Again Card.
Then, on the finish of the month, should you’re happy your $888 minimal spending requirement, you get an extra 8% cashback in your remaining petrol invoice.
The catch is that you simply’re allowed a most of $25 cashback in every spending class. Meaning you may benefit from the most petrol financial savings on as much as of $372.02 (sticker worth, earlier than reductions) or $312.50 (after reductions are supplied on the counter) value of petrol.
Assuming you bought the cashback after spending the minimal requirement, you’ll be having fun with 20.88% value of petrol financial savings.
Right here’s how a lot you’ll save on $200 value of petrol with a Citi Money Again Card based mostly on how a lot you spend:
| Month-to-month expenditure | $1,200 | $500 |
| Station low cost | 5% | 5% |
| Shell Escape loyalty card | 5% | 5% |
| Citi Cashback card low cost | 4% | 4% |
| $200 of petrol after low cost | $172 | $172 |
| Extra cashback (cap at $25) | 8% ($13.76) | 0% |
| Whole financial savings | 20.88% | 14% |
2nd greatest card for immediate financial savings – HSBC Visa Platinum Credit score Card
This card affords you nice financial savings at Shell, each on the counter while you pay in your petrol, in addition to afterward while you obtain your bank card assertion.
Right here’s what occurs. While you pay on the counter, you get pleasure from a 5% station low cost, a 5% low cost because of your Shell Escape loyalty card, in addition to a 4% low cost because of the HSBC Visa Platinum Credit score Card.
Later within the month, when your financial institution assertion arrives, you’ll obtain an extra 5% money rebate on the quantity you forked out, offered you meet the minimal month-to-month spending requirement of $600 (for 3 months in a calendar quarter). After the money rebate, the overall financial savings you get pleasure from is about 18.3%.
The cardboard affords 5% cashback on eating, gas and groceries. As well as, you get to earn rewards factors along with your spending.
Right here’s how a lot you’ll save on $200 value of petrol with a HSBC Visa Platinum card based mostly on how a lot you spend:
| Situation 1 | Situation 2 | |
| Month-to-month expenditure | $800 | $200 |
| Station low cost | 5% | 5% |
| Shell Escape loyalty card | 5% | 5% |
| HSBC Visa Platinum Credit score Card petrol low cost | 4% | 4% |
| $200 of petrol after low cost | $170 | $172 |
| Money Rebate | 5% or $8.50 | 0% (didn’t hit min. spend) |
| Whole financial savings | 18.3% | 14% |
Common card for low petrol utilization – BOC Zaobao Credit score Card
The BOC Zaobao card isn’t actually one of many top-of-mind-recall playing cards in Singapore however relating to pumping petrol at Shell, it guarantees the very best low cost financial savings at 30.7%, should you handle to hit the minimal spend of $600.
However should you don’t, you find yourself with solely 10%, so just remember to can spend sufficiently within the cashback classes of on-line purchases, eating, and newspaper subscriptions.
One huge caveat that immediately makes the BOC Zaobao Credit score Card lose its attraction for high-usage drivers that the class cashback cap (petrol, Zaobao & SPH Newspapers & MCST) is sort of low at $30 per card account. Which means that though the cashback charge is excessive, in case your petrol expenditure exceeds $144.90, any greenback spent past that won’t qualify for cashback.
In case you drive a small automobile, pump petrol no more than twice a month, and might spend at the least $600 within the different cashback classes, this card should still serve you. In any other case, skip it.
There’s a fringe profit for many who journey to China regularly, although. You get 5% cashback in mainland China, and the international forex payment is 0% for RMB.
Right here’s how a lot you’ll save on $200 value of petrol with a BOC Zaobao Credit score Card based mostly in your spending:
| Month-to-month expenditure | $1,200 | $500 |
| Station low cost | 5% | 5% |
| Shell Escape loyalty card | 5% | 5% |
| $200 of petrol after low cost | $180 | $180 |
| Extra cashback (class cap at $30) | 23% ($41.40), successfully $30 as a result of cap | 0% |
| Whole financial savings | 15% | 10% |
Different playing cards with Shell Reductions
In fact, moreover the above talked about bank cards, there are different playing cards from the identical banks that supply reductions for Shell petrol too. In case you’re curious, you would possibly need to try different playing cards from Citibank, HSBC, and UOB. Particularly should you’re searching for a card to benefit from your gas spending for advantages like eating privileges or air miles. Discover the very best bank card in Singapore in your life-style selections right this moment.
Do you pump petrol at Shell? What’s your favorite Shell petrol bank card? Tell us within the feedback.
Picture credit score: Mike Mozart by way of Flickr
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