I tend to forget which is the best price and card to use so I've created a picture so that I can save on my phone.
Below is the table so that you can use it as well.
The table has a few permutations.
Eg, with/without voucher, or with/without the Cashback/Rebate if you don't hit min spend.
Some rebates kick in only when there is a minimum spend.
Citi 8% Cashback kicks in only when $888 is spent in a month.
UOB One card needs $500 or $1000 to be spent for 3 mths consecutively to get 3.33% rebate
If you can spend $2000 per mth for 3 mths, you can get 5% rebate but that's pretty impossible for readers of this blog.
Fuel vouchers are typically available from stations which are going to undergo renovations. You can collect a voucher booklet from them. The stations are basically telling you to keep pumping with them and not switch to other brands. The booklet usually has enough vouchers to last for a few months. Sometimes the vouchers are only to be used at stations near the station under reno.
When the station reopens after renovation, the station will again give out vouchers to induce people to return to that station. The booklet has enough vouchers to last a few months. Typically the vouchers will only be accepted at the reopened station.
I only pump 95RON fuel. Reason explained here. 98RON is a con job.
I don't pump Caltex. They don't have good discounts and they don't give out vouchers.
There's no solid conclusion which is the cheapest fuel to pump. It all depends on your total plan.
Some people use the Citi Cashback card so it's really the best if you can get the 8% and top it off with a voucher at Esso.
But I typically use my UOB One card to combo with the UOB One account to get the bonus interest by spending $500 every month. So I pump Shell in the early parts of the month.
If I have already hit my $500 for the month, then I will use my DBS Esso card and get a straight off discount cos I won't be able to hit the min spend for any other card.
I try to always keep vouchers on hand. So I tend to stock up and research which stations are going to undergo reno.
P.S. If any readers have a hardwarezone account can you help me post the picture in one of the forum threads so this blog can get a bit more exposure :o) Thanks!
If I have made any mistakes in the calculation or if there is a better discount that I have missed out please comment below and I will update it.