On 29 August 2026 the five major chains in Singapore are pumping RON 95 within one cent of each other: SPC at $3.36, and Esso, Shell, Caltex and Sinopec all at $3.37. That is the whole story about brands, and it is not the story about price. What you actually pay ranges from $2.36 to $3.37 a litre, a gap of almost a dollar, and every cent of it is decided by the loyalty card and bank card in your wallet rather than the sign you drive under. Smart Energy's member price for RON 95 is $2.49 outright, dropping to $2.36 between midnight and 6.30am under a happy hour it now runs at all stations, but it sells petrol at only two sites and you must load a prepaid Energy Card first. Sinopec matches that $2.49 at Bukit Timah for HomeTeamNS members on a 26% instant discount, which its partner confirms runs to 31 December 2026, though the same membership is worth only 24% at Woodlands and Yishun. Two 23% weekend events are live as this publishes, and they are not equivalent: SPC's own terms poster says its 23% runs 28 to 31 August, stacks with up to 7.1% in bank rebates and stacks again with in-app coupons, while Esso's own artwork ends at 12pm on 31 August and its terms say the 23% cannot be combined with site discounts or bank card offers at all. Caltex is the outlier that gives nothing for loyalty alone: its published ladder of 14% to 19% instant discounts, valid to 31 December 2026, requires a partner bank card at the counter. And Esso's own disclaimer carries the catch nobody mentions, that card discounts may not apply at all if you pay by Apple Pay, Google Pay or Samsung Pay at the pump. Every price, percentage and date below was read off the brand's own site, poster or partner page on 29 August 2026.
Five major chains, and on 29 August 2026 their RON 95 signs read $3.36, $3.37, $3.37, $3.37 and $3.37. The brand is not the variable. Your card is.
> Quick view: cheapest is Smart Energy at $2.49/L member price ($2.36 from 12am to 6.30am) · Sinopec Bukit Timah $2.49 for HomeTeamNS members · Cnergy about $2.54 · the majors land $2.59 to $2.80. The catch: the two cheapest sell petrol at only two and three stations.
The cheapest litre of RON 95 anyone in Singapore is selling openly. Smart Energy's own price board puts the pump price at $3.50, the non-member price after a 25% discount at $2.62, and the member price at $2.49. A happy hour it says now runs at all stations on all fuels takes another 5% off between 12am and 6.30am, bringing RON 95 to $2.36, RON 98 to $2.70 and Euro-5 diesel to $2.33. That diesel figure is the lowest of any station on this list by a wide margin, against $3.89 at SPC and Sinopec and $4.05 at Caltex. Two things gate it. First, this is a prepaid model: you buy an Energy Card at the cashier for a one-time $5 with your NRIC or driving licence, then top it up, and Mandai and Jalan Buroh will not release the pumps below a $20 card balance (Defu has no minimum). Second, the network is tiny and split by fuel. Only Mandai (1 Mandai Link) and Jalan Buroh (33 Jalan Buroh) sell petrol, and RON 98 is Jalan Buroh only; Defu Lane 4 is diesel alone. All three are open 24 hours and take cash, NETS and credit cards for top-ups. One honest caveat: the price board on their site carries a timestamp of 25 June 2026, so confirm the number at the counter before you commit a top-up. BEST FOR: west and north drivers who pass Jurong or Mandai anyway and are willing to park cash on a card.
Member price $2.49/L RON 95, $2.84 RON 98, $2.45 Euro-5 diesel. Happy hour at all stations, 12am to 6.30am, takes a further 5% off: $2.36 RON 95, $2.70 RON 98, $2.33 diesel. Non-members pay $2.62 for RON 95 after a 25% discount. Energy Card is a one-time $5; min $20 card balance to activate the pumps at Mandai and Jalan Buroh.
The deepest instant discount any conventional chain publishes in Singapore, and the only one on this list that changes materially depending on which of its four stations you drive into. HomeTeamNS lists the rates station by station: Bukit Timah is 26% on RON 95 and diesel and 29% on RON 98 and XP; Pasir Ris is 25% on RON 95 and diesel and 27% on 98 and XP; Woodlands and Yishun are a flat 24% across every grade. Applied to Sinopec's $3.37 pump price for RON 95, that is $2.49 at Bukit Timah, $2.53 at Pasir Ris and $2.56 at the two northern sites. The fuel promotion runs to 31 December 2026 and covers petrol and diesel on prevailing prices. Read the terms before you count on it: the offer is limited to Ordinary, Associate and Family members, explicitly not guest or social tiers, and it cannot be combined with other promotional offers, so this is instead of a bank card deal, not on top of one. Getting set up takes a trip to the counter, because after installing the Sinopec Plus SG app as an X Card member you need staff to verify your driver profile and hand you a one-time invitation code. From 1 November 2025 all platform drivers must present the in-app platform QR code at the cashier. Sinopec runs no Singapore website at all, so the rates live in the app and on partner pages. The four addresses are 632A Bukit Timah Road, 11 Pasir Ris Drive 4, 150 Woodlands Ave 5 and 301 Yishun Avenue 1, and the Pasir Ris site adds a full car workshop. BEST FOR: HomeTeamNS members, especially anyone whose commute passes Bukit Timah.
HomeTeamNS instant fuel discount to 31 Dec 2026: Bukit Timah 26% on RON 95 and diesel, 29% on RON 98 and XP; Pasir Ris 25% and 27%; Woodlands and Yishun 24% on everything. Ordinary, Associate and Family members only, not guest or social tiers. Not combinable with other offers. Flash the HomeTeamNS QR code in the Sinopec Plus SG app at payment.
Valid till 31 Dec 2026
The independent that keeps turning up as Singapore's price leader, and the hardest one on this list to verify, because Cnergy publishes no pump prices on its own website at all. An independent survey of station prices on 18 August 2026 put its RON 95 at $2.54 a litre, and when the Dunman station opened in the Katong area it drew queues at $2.41 with a members-only price of $2.35, so treat $2.54 as a recent reading rather than a standing rate and expect it to move with the market. Membership is a one-time $5 that the company returns as a $6 discount, and members get roughly 6 to 10 cents a litre more off than the walk-up price. Private hire and taxi drivers have been quoted a deeper members' rate again. There are three stations, all open 24 hours: Cnergy Toh Tuck at 50 Old Toh Tuck Road, Cnergy Dunman at 743 Dunman Road and Cnergy Queensway at 260 Queensway. The company also runs Union House at 89 Defu Lane 10 and offers EV charging, diesel and natural gas across the group. Because there is no published board and no app price feed, the only reliable way to know today's number is to look at the sign as you pass, which is exactly why the two biggest price trackers list the five majors and not this one. BEST FOR: drivers who live near Queensway, Toh Tuck or Katong and can check the sign on the way past.
Petrol membership is a one-time $5 returned as a $6 discount, and takes roughly 6c to 10c a litre off the walk-up price. Three 24-hour stations: Toh Tuck, Dunman and Queensway. No pump prices are published online, so check the sign at the station.
SPC has the lowest listed RON 95 among the five majors at $3.36, a cent under everyone else, and this weekend it also has the better of the two 23% events. Its own terms poster is unambiguous: 23% off fuel from 28 August 0000h to 31 August 2359h at all SPC stations, on both petrol and diesel, exclusively for SPC&U and Local Account or Corporate members, with all modes of payment accepted including cash and NETS. Crucially, the poster says bank rebates are still applicable subject to their own terms, advertises up to 7.1% in them, and says the offer is stackable with in-app coupons. That is the opposite of Esso's identical-looking headline. On its own the 23% takes RON 95 to $2.59, and the bank layer goes below that. Outside promotion weekends the standing ladder on SPC's homepage is up to 20.1% with the POSB Everyday Card, a total of 15% with all DBS cards, up to 20% with UOB cards and up to 21% with American Express, and the poster names the three bank landing pages directly. One wrinkle worth knowing: the pump price widget on SPC's own homepage still carries a timestamp of 7 July 2026 even though the figures on it match today's independent trackers exactly, so read it as current but verify at the station. Welcome e-coupons are issued to SPC&U members through the SPC+ app. BEST FOR: anyone filling up this long weekend, and POSB Everyday cardholders the rest of the year.
23% off fuel, 28 August 0000h to 31 August 2359h 2026, at all SPC stations, on petrol and diesel, for SPC&U and Local Account or Corporate members. All payment modes accepted. Bank rebates of up to 7.1% still apply on top, and it stacks with SPC+ in-app coupons. Standing rates: up to 20.1% POSB Everyday, 15% all DBS, up to 20% UOB, up to 21% American Express.
Valid till 31 Aug 2026
Two brands are advertising 23% this weekend and they are not the same offer. Esso's own artwork puts the window at 28 August 2026, 4pm to 31 August 2026, 12pm, on all Esso Synergy fuels for Esso Smiles members, and the terms add that the discount is capped at 23%, cannot be combined with other site discounts, bank card offers or other promotions unless stated, and is not open to Esso Fleet Card customers. So this replaces the stack rather than adding to it, and it closes nearly twelve hours before SPC's does. Outside that window Esso's standing structure is the clearest published on this list. Its own page spells out that the 10% Esso discount is 5% station site discount plus 5% Smiles card discount, then adds the bank layer: the DBS Esso card is 10% on SynergySupreme+ and 8% on all other Synergy fuels, other DBS cards 4%, with headline totals of up to 26.2% (DBS), 25.7% (Citibank), 24.24% (OCBC) and 19% (Trust) once cashback and points are counted. Read those totals carefully, because they include up to 5% cashback and a 1.2% points value that Esso itself says is modelled on an assumed pump price of $2.84 a litre, well below today's $3.37. On RON 95 the honest upfront figure with a DBS Esso card is 18%, or $2.76. And the disclaimer that costs people money: the card discount is applied by presenting the physical card at the cashier counter, and may not be applied to Apple Pay, Samsung Pay or Google Pay at the pay-at-pump terminals. A separate offer gives $20 of KrisPay miles via the Kris+ app on a minimum $250 Synergy spend with a Mastercard, running to 30 September 2026. Esso's Singapore stations have been owned by Aster since 1 January 2026, with the brand and the Smiles programme retained. BEST FOR: DBS Esso cardholders who pay with the physical card.
23% off all Esso Synergy fuels for Esso Smiles members, 28 Aug 2026 4pm to 31 Aug 2026 12pm. Capped at 23% and NOT combinable with site discounts, bank card offers or other promotions; excludes Fleet Card. Standing: 10% Esso discount (5% site plus 5% Smiles) with up to 26.2% total via DBS Esso, 25.7% Citibank, 24.24% OCBC, 19% Trust. Card discounts need the physical card at the counter and may fail on Apple, Google or Samsung Pay at the pump. Separately, $20 KrisPay miles on min $250 Synergy spend with Mastercard, to 30 Sep 2026.
Valid till 31 Aug 2026
Caltex is the one chain here with no loyalty-card discount of its own. There is no Caltex equivalent of Esso's 5% Smiles discount or Shell's 5% GO+ discount, so a driver paying cash or NETS pays the full $3.37 for RON 95. What Caltex does instead is publish the widest bank ladder, and it is valid to 31 December 2026 rather than for a weekend: 14% instant on Techron fuels with a Citi, HSBC, OCBC, SAFRA or Standard Chartered card, 16% on Platinum 98 with Techron with the same cards, 17% with selected Citi, Trust, selected HSBC or Standard Chartered cards, 18% with the OCBC 365, and 19% with the OCBC Voyage and Premier Visa Infinite. That top rate is $2.73 a litre on RON 95. Caltex's own promotions page adds the effective totals once rebates are counted, all to 31 December 2026: up to 23.64% with Citi cards, up to 22.92% with OCBC, up to 21.15% with HSBC and up to 20.09% with Trust. Two extras sit outside the bank ladder. Hitch Club members are offered as much as 25% instant on Techron fuels, the single deepest Caltex number, and paying with GrabPay inside the CaltexGO app gives an instant 16%, which is the only route to a discount here that does not need a credit card. CaltexGO also carries a $10 welcome offer for new app users. BEST FOR: OCBC and Citi cardholders, and Grab drivers using GrabPay in the app.
Partner card fuel discounts to 31 Dec 2026: 14% instant on Techron fuels with Citi, HSBC, OCBC, SAFRA or Standard Chartered; 16% on Platinum 98 with Techron; 17% with selected Citi, Trust, selected HSBC or Standard Chartered; 18% with OCBC 365; 19% with OCBC Voyage and Premier Visa Infinite. Effective totals with rebates: up to 23.64% Citi, 22.92% OCBC, 21.15% HSBC, 20.09% Trust. Hitch Club members up to 25%. GrabPay on CaltexGO gives an instant 16%. No discount at all without a partner card.
Valid till 31 Dec 2026
Shell publishes the most transparent arithmetic on this list and the highest headline number, and the two facts are related. Its SAFRA page works an S$80 gross spend on V-Power all the way through: S$4.00 Shell station discount, S$4.00 Shell GO+ member discount, S$1.60 SAFRA discount, S$5.60 selected credit card discount, an S$8.00 new-to-GO+ fuel voucher, S$6.00 in new or renewed SAFRA member vouchers, then up to 5% cashback, adding to total effective savings of 39.67%. Take out the one-time joining vouchers and the cashback, and the repeatable upfront position for an ordinary GO+ member is 10%, which is 5% station plus 5% GO+, plus 7% on a selected Citi or UOB card. On RON 95 at $3.37 that is 17% off, or $2.80. SAFRA members add a year-long 2% upfront on all Shell fuels, taking it to $2.73. HomeTeamNS members get the same 2% through their own voucher route, quoted by HomeTeamNS as up to 23.05% comprising 10% GO+, 2% HomeTeamNS and 7% credit card; each code carries 150 redemptions and stays valid for two years. Worth being clear about one thing: the 10% off fuel with a minimum $20 spend that Shell advertises on its rewards page is a sign-up offer for new members, not a standing discount, so do not budget for it twice. Shell also runs its own 23% GO+ weekends periodically and V-Power-at-98-price windows, both announced in the Shell Asia app rather than on a promotions page. BEST FOR: SAFRA or HomeTeamNS members with a Citi or UOB card, and anyone who wants the widest station network.
Standing: 10% upfront for Shell GO+ members (5% station plus 5% GO+), plus 7% with a selected Citi or UOB card. SAFRA members add 2% upfront all year on all Shell fuels; HomeTeamNS members add the same 2%, quoted as up to 23.05% in total. Shell's 39.67% headline is built on an S$80 V-Power basket and includes an S$8 new-member voucher, S$6 SAFRA vouchers and up to 5% cashback. The 10% off with min $20 spend is a one-time sign-up offer.
| Brand | Pump price, RON 95 | Best discount you can reach | Net per litre | The gate |
|---|---|---|---|---|
| Smart Energy | $3.50 | Member price, plus 5% happy hour | $2.49, or $2.36 from 12am to 6.30am | $5 prepaid Energy Card, min $20 top-up; petrol at 2 stations only |
| Sinopec (Bukit Timah) | $3.37 | 26% instant, HomeTeamNS | $2.49 | HomeTeamNS Ordinary, Associate or Family membership; 24% at Woodlands and Yishun |
| Cnergy | Not published | Member price, 6c to 10c off | About $2.54 | No price list online; $5 one-time membership; 3 stations |
| SPC | $3.36 | 23% weekend, stacks with up to 7.1% bank rebates | $2.59 before rebates | SPC&U or corporate membership; the 23% ends 31 Aug 2359h |
| Esso | $3.37 | 23% weekend, no stacking | $2.59 | Esso Smiles card; ends 31 Aug 12pm; excludes Fleet Card |
| Caltex | $3.37 | 19% instant, OCBC Voyage or Premier Visa Infinite | $2.73 | No discount at all without a partner bank card |
| Shell | $3.37 | 10% GO+ plus 7% selected card, plus 2% SAFRA or HomeTeamNS | $2.73 to $2.80 | Shell GO+ app; the 10% sign-up offer is one-time, not standing |
Petrol is the rare Singapore purchase where the advertised price tells you almost nothing. On 29 August 2026 the five majors were pumping RON 95 at $3.36 (SPC) and $3.37 (Esso, Shell, Caltex, Sinopec), a spread of one cent, confirmed against two independent price trackers and SPC's own board. Meanwhile the range of what drivers actually pay runs from $2.36 to $3.37. Practically all of that gap is manufactured by loyalty tiers, bank partnerships and short promotional windows, and almost none of it by the fuel.
Assuming every 23% is the same 23%. Two brands advertise 23% this weekend. SPC's poster says bank rebates still apply, advertises up to 7.1% of them and says the offer stacks with in-app coupons. Esso's terms say the opposite: capped at 23%, not combinable with site discounts, bank card offers or other promotions. On a $60 fill that difference is worth roughly $4.
Paying by phone at the pump. Esso's own disclaimer says the card discount is applied by presenting the physical card at the cashier counter and may not be fully applied to Apple Pay, Samsung Pay or Google Pay at the indoor and outdoor pay-at-pump terminals. That can quietly delete the entire bank layer, which is 8% to 10% of the bill.
Reading a headline percentage as a rate. Shell's 39.67% and Esso's 26.2% are both real numbers and neither is a per-litre discount. Shell's includes an S$8 joining voucher and S$6 of SAFRA vouchers that arrive once. Esso's includes a 1.2% points value the company itself says is modelled on an assumed pump price of $2.84 a litre, which is 53 cents below today's RON 95.
If you can route past Mandai, Jalan Buroh, Queensway, Old Toh Tuck or Dunman, the independents win outright and no card is needed beyond their own. If you are a HomeTeamNS member, Sinopec Bukit Timah is the deepest conventional discount in the country and Woodlands or Yishun is two cents dearer. If you want one decision that holds all year rather than a weekend, Caltex's ladder and Esso's DBS pairing both run to 31 December 2026. And if you are filling up before Monday, SPC is the only 23% that lets you keep your bank rebate as well.
On 29 August 2026, Smart Energy's member price of $2.49 a litre for RON 95 is the cheapest openly published number, falling to $2.36 between midnight and 6.30am under a happy hour it runs at all stations. Sinopec Bukit Timah matches $2.49 for HomeTeamNS members on a 26% instant discount, and Cnergy was surveyed at about $2.54 in mid-August. Among the five majors, the cheapest you can reach this weekend is roughly $2.59 with SPC's 23% before bank rebates. The catch on the two cheapest is coverage: Smart Energy sells petrol at only two stations and Cnergy has three.
Because only one of them lets you keep your bank discount. SPC's own terms poster says the 23% runs 28 August 0000h to 31 August 2359h, that bank rebates of up to 7.1% still apply subject to the banks' own terms, and that it is stackable with SPC+ in-app coupons. Esso's terms say its 23% is capped at 23% and cannot be combined with other site discounts, bank card offers or other promotions unless otherwise stated, and Esso's window also closes earlier, at 12pm on 31 August rather than 2359h. So SPC's 23% is a floor you can build on and Esso's is a ceiling.
At Esso it can. Esso's own published disclaimer says the card discount is applied automatically only by presenting the relevant physical card at the cashier counter, and that card discounts may not be fully applied to payments made via mobile payments or e-wallets such as Apple Pay, Samsung Pay and Google Pay at the indoor and outdoor pay-at-pump terminals. Since the card layer at Esso is 4% to 10% depending on the card and fuel, that is the single most expensive habit on this page. Take the physical card to the counter.
For HomeTeamNS at Sinopec, the numbers are substantial: 26% off RON 95 and diesel and 29% off RON 98 and XP at Bukit Timah, 25% and 27% at Pasir Ris, and 24% across all grades at Woodlands and Yishun, running to 31 December 2026 for Ordinary, Associate and Family members only. HomeTeamNS also carries a Shell route worth up to 23.05% in total. SAFRA's Shell benefit is smaller and more honest about it: a year-long 2% additional upfront discount on all Shell fuels, plus S$28 of fuel vouchers for new or renewed members. Neither membership pays for itself on fuel alone unless you drive a lot, but the Sinopec rate is the deepest conventional discount published in Singapore.
Smart Energy, by a wide margin. Its member price for Euro-5 diesel is $2.45 a litre, dropping to $2.33 between midnight and 6.30am, against listed pump prices of $3.89 at SPC and Sinopec, $3.95 at Esso and Shell and $4.05 at Caltex on 29 August 2026. Diesel is sold at all three Smart Energy sites, including Defu Lane 4, which is diesel only and is the one station with no minimum card balance. If you cannot reach those, Sinopec's HomeTeamNS discount covers diesel at the same 26%, 25% or 24% as petrol depending on station, and SPC's 23% weekend applies to diesel as well as petrol.
