Let's take the Citibank Cash Back Card used at Shell as an example, which offers 20.88% in savings: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount + 8% cashback (on nett purchase after discounts) = Total of 20.88% savings effectively* Assuming the cost of petrol at the pump is $100,
On-site discounts: 5% Shell site discount 5% Shell Escape discount 4% Citi card discount Nett purchase price after on-site discounts (-14%): $86.00 8% cashback (on nett purchase) = $6.88 savings applied on card Total effective savings: $20.88 *The card offers a base cashback rate of 0.25% on all petrol transactions. An additional 7.75% cashback will be applied to your petrol transactions if you spend at least S$800 on your card per statement month. [Information correct as of 27 Aug 2021]