Best Esso Credit Card Discounts in Singapore 2024
When it comes to saving on petrol expenses, few things beat the convenience of petrol credit card discounts at petrol stations like Esso. Pair these select credit cards with your Esso Smiles membership to make your fuel purchases go the extra mile and fill your journey with smiles each time you pump petrol at Esso stations.
Check out the best credit cards for Esso petrol discounts in Singapore here to help make owning a car more affordable!
Best Esso Credit Card Discounts in Singapore 2024
When it comes to saving on petrol expenses, few things beat the convenience of petrol credit card discounts at petrol stations like Esso. Pair these select credit cards with your Esso Smiles membership to make your fuel purchases go the extra mile and fill your journey with smiles each time you pump petrol at Esso stations.
Check out the best credit cards for Esso petrol discounts in Singapore here to help make owning a car more affordable!
- Citi Cash Back Card: Reliable cashback for dining, petrol, and groceries
- DBS Esso Card: Best for earning Esso Smiles Points on petrol and eligible retail spend
- OCBC 365 Card: All-rounded cashback card for everyday spend, including petrol
- Trust Credit Card: Best for petrol and grocery runs at FairPrice Group merchants
Jump to: Best Credit Cards For Esso Discounts Comparison | Citi Cash Back Card: Up to 20.88% Esso Fuel Savings | DBS Esso Card: Up to 21.6% Esso Fuel Savings | OCBC 365 Card: Up to 21.04% Esso Fuel Savings | What is Esso Smiles Drivers Rewards programme? | Other credit cards to use at Esso | Frequently Asked Questions | Newsletter
Overview: Best Credit Cards For Esso Discounts
Here are the top recommendations for the best Esso credit card discounts offered in Singapore 2024. To maximise your Esso fuel discounts, signing up for an Esso Smiles Driver Rewards Programme together with using the right credit cards from Citibank, DBS, OCBC, and Trust are key to maximising your fuel savings and Esso Smiles member perks.
Earn Smiles Points by spending on Synergy fuel at Esso, and redeem these points after for Esso fuel discounts, attractive Smiles rewards, and exclusive Esso promotions!
Which Esso petrol credit card is the best fit for you?
Jump to:
- Citi Cash Back Card – Best cashback for petrol worldwide
- DBS Esso Card – Best for Esso Smiles points, discounts and rewards
- OCBC 365 Card – Best all-rounded cashback for everyday spend
Comparison: Best Credit Cards For Esso Discounts & Fuel Savings
Credit card
|
Earn rate
|
Fuel savings & discounts
|
8% cashback on petrol |
Up to 20.88% fuel savings at Esso |
|
DBS Esso Card |
1 Smiles Point per S$10 on all other retail spend (outside of Esso) |
Up to 21.6% fuel savings at Esso |
OCBC 365 Card |
6% cashback on all fuel |
Up to 21.04% fuel savings at Esso |
Trust Credit Card
|
Up to 21% savings on groceries and food purchased at FairPrice Group |
Up to 19.12% fuel savings at Esso |
Citi Cash Back Card
Valid until
30 September 2024
Valid until
30 September 2024
Valid until
30 September 2024
Valid until
30 September 2024
Valid until
30 September 2024
+ 1 other gift options
Valid until
30 September 2024
- 6% cashback on dining and grocery spending (local & overseas).
- 8% cashback on petrol and private commute (local & overseas).
- Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card.
- 0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
Gift Options
- SingSaver Mystery Giveaway promotion runs from 13 September 2024, 5:00 PM SGT to 30 September 2024.
- Promotion is valid for new Citi / Standard Chartered / HSBC credit cardmembers only.
- Apply for participating Citi credit cards during the promotion period and complete the minimum spend requirements to receive 3x Weekly Lucky Draw Chances on top of existing rewards.
- 5x winners each week will receive a newly launched smartphone (worth over S$1,000)
- 5x winners each week will receive a pair of VIP tickets to a sold-out concert from 12 - 13 Oct
- Winners will be drawn on 1 Oct 2024 and 8 Oct 2024.
- Applicant pool is shared across all participating credit cards.
- Remaining applicants will receive regular SingSaver Exclusive rewards.
- Terms and Conditions apply.
- SingSaver General Promotion Terms and Conditions apply.
Gift Options
- Promotion is valid until 30 September 2024.
- Promotion is valid for new Citi credit cardmembers only.
- Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
- Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
- Promotion does not stack with other welcome offers from Citibank.
- Terms and Conditions apply
Gift Options
- Rewards Upgrade promotion is valid until 30 September 2024.
- Promotion is valid for new Citi credit cardmembers only.
- Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for a Reward Upgrade.
- The Reward Upgrade will replace SingSaver Exclusive promotional reward.
- Terms and Conditions apply
-
Installment Processing Fee : From 0.5 %
The Citi Cash Back Card offers significant petrol savings at Esso of up to 20.88%.
When using it to pay for petrol at Esso, you'll enjoy the following:
- 10% Esso discount comprising 5% instant Esso station site discount + 5% Esso Smiles card discount.
- 4% card discount to be automatically applied upon presenting the physical* Citi Cash Back Card at the cashier counter.
- 8% Citi Cash Back Card cashback which is applied after the above two discounts. This cashback is equivalent to 6.88% Esso fuel savings. However, to enjoy this bonus 8% cashback rate, you'll need to spend at least S$800 per statement month, capped at S$80 combined cashback across all qualifying retail categories. Otherwise, you'll only net the base 0.2% cashback.
But besides these amazing fuel savings, the Citi Cash Back Card has proven its reliability as an everyday cashback card worldwide: 8% cashback on private commutes and 6% cashback on dining and groceries spend. Thus, if your combined monthly expenses on petrol, dining, groceries, and commutes regularly surpass S$800, the Citi Cash Back Card would prove a great cashback card for you.
*Note: The eligible physical Citi credit card must be presented to enjoy the card discount. Card discounts are not guaranteed for those shown through mobile payments or e-wallets (e.g. Apple Pay, Samsung Pay, Google Pay, etc.).
DBS Esso Card
Valid until
31 October 2024
- Enjoy up to 21.6% fuel savings and 2.4% Smiles Savings at All Esso stations.
- Auto-enrolment into the Esso Smiles Driver Rewards programme.
- Earn Smiles Points on all Esso fuel spend and card retail spend.
- Get interest-free payment plans for motor insurance and road tax.
- Enjoy faster payments at Pay-at-the-Pump Systems at Esso service stations.
- 18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.
Gift Options
- Promotion is valid for new and existing DBS credit cardmembers
- Apply for the DBS Esso Card and make a min. spend of S$180 on fuel per month for 2 months from date of card approval to be eligible for reward
- Promotion is valid until 31 Oct 2024
- Terms and Conditions apply
-
Installment Processing Fee : From 2 %
If you're looking for an Esso petrol credit card, it doesn't get any more specialised than the DBS Esso Card. It provides up to 21.6% Esso fuel savings + 2.4% Esso Smiles savings – the highest fuel savings you can score at Esso with!
Here's how it works:
- Enjoy 18% instant fuel discount when you present your physical DBS Esso Card to the cashier counter. Mobile wallet payments via Apple Pay, Samsung Pay, and Google Pay are not eligible for this discount. This 18% off consists of 10% Esso station site discount + 5% Esso Smiles card discount.
- Enjoy additional 3.6% fuel savings (worth S$8) for every S$180 nett fuel spend at Esso per calendar month from now till 30 June 2024. These extra savings will be awarded to your card account.
- Enjoy up to 2.4% additional Esso Smiles savings since DBS Esso Card auto-enrols cardmembers into the Esso Smiles Driver Rewards programme. Depending on your tier (Normal/Bonus), Smiles members will be awarded either 1.7% (normal) or 2.4% (bonus) per 250 litres of Synergy fuel purchased each calendar month.
Furthermore, Esso's loyalty programme also allows you to earn 1 Smiles Point per litre of Synergy petrol purchased at any Esso station and redeem instant fuel discounts where
- 300 Smiles Points = S$10
- 750 Smiles Points = S$30
OCBC 365 Credit Card
- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
-
Installment Processing Fee : From 3 %
Want an all-rounded cashback card that rewards you for pumping petrol at Esso on top of your everyday spend? Then look no further than the OCBC 365 Card. When using the OCBC 365 Card at Esso, you'll receive 21.04% fuel savings, with minimum S$800 / S$1,600 eligible spend per calendar month, capped at S$80 / S$160 cashback respectively.
Here's the breakdown of the 23% fuel savings:
- 10% instant Esso station site discount, which comprises 5% Esso station site discount + 5% Esso Smiles card discount.
- 6% card discount when you present your physical OCBC 365 Card at the cashier counter.
- 6% OCBC 365 Card cashback on all petrol, which is equivalent to up to 5.04% rebates at Esso.
The Esso Smiles Drivers Rewards Programme is a loyalty program offered by Esso.
It allows customers to earn Smiles Points and redeem rewards when they fuel up at Esso stations. Once enough Smiles Points have been accumulated, they can be exchanged for instant discounts on fuel and car wash services. The programme also offers exclusive credit card promotions and discounts to members, making it a popular choice for drivers looking to save on Esso petrol expenses.
As seen above, the Citi Cash Back Card, DBS Esso Card, OCBC 365 Card, and the Trust Credit Card are the best choices for petrol discounts and rebates at Esso stations. That said, all other Citi, DBS, and OCBC cards are also entitled to up to 14% fuel savings at Esso. Similarly, you can enjoy up to 16.18% fuel savings at Esso with the Trust debit card.
What are the benefits and discounts you can earn with Esso Smiles?
Here are the perks you get to enjoy when you sign up for Esso Smiles rewards programme:
Petrol discount | Discount breakdown |
10 - 14% Esso discount | 5% or 9% Esso station site discount + 5% Esso Smiles card discount |
4 - 8% credit / debit card discount |
This depends on the physical card presented at the cashier counter.
|
How to save more with Esso Smiles Points?
Every 1 litre of Synergy fuel at Esso earns you 1 Esso Smiles Point.
Smiles points can be redeemed in the following amounts:
- 300 Smiles Points = S$10 worth of Synergy fuel
- 750 Smiles Points = S$30 worth of Synergy fuel
Then, to score an extra 2.2% fuel savings*, pump more than 250 litres of petrol per month and you'll receive:
- A S$30 instant fuel redemption (worth up to 1.6% savings)
- 35% bonus Esso Smiles Points
Redeem these rewards at Esso stations, via the Esso app, or through our partners' loyalty programs, ensuring a journey full of smiles every time you hit the road.
*Normal tier Smiles members will be awarded up to 1.6% fuel savings on Smiles points whereas Bonus Tier Smiles members will be awarded up to 2.2% fuel savings on Smiles Points.
Credit card
|
Earn rate
|
Fuel savings & discounts
|
Citi Rewards Card + Instarem amaze Card |
4 mpd on select online and offline spend |
Up to 14% fuel savings at Esso |
1.6% unlimited cashback
on all eligible spend
|
Up to 14% fuel savings at Esso |
|
1.2 mpd on local spend 2 mpd on foreign spend |
Up to 14% fuel savings at Esso |
|
1.3 mpd on local spend 2 mpd on foreign spend |
Up to 14% fuel savings at Esso |
|
DBS Live Fresh Card |
Up to 6% cashback on eligible shopping and transport spend |
Up to 14% fuel savings at Esso |
DBS Altitude Card |
1.3 mpd on local spend 2.2 mpd on foreign spend
|
Up to 14% fuel savings at Esso |
DBS Vantage Card |
Up to 1.5% cashback / 1.5 mpd on local spend
Up to 2.2% cashback / 2.2 mpd on foreign spend |
19% fuel savings on Synergy Supreme
18% fuel savings on all other Synergy fuel |
1.3 mpd on local spend 2.1 mpd on foreign spend |
Up to 14% on fuel savings at Esso |
|
4 mpd on select online and in-store merchants |
Up to 14% fuel savings at Esso |
|
8% cashback on foreign spend
8% cashback local online/mobile contactless spend
Extra 2% cashback on select green merchants |
Up to 14% fuel savings at Esso |
To maximise your savings on petrol expenses at Esso in Singapore, you should sign up for the Esso Smiles Card.
This membership card allows you to earn 1 Smiles Point for every litre of Synergy petrol you pump at Esso stations. Thereafter, these Smiles Points can be redeemed for fuel discounts or other rewards, helping you save money over time.
Additionally, check if your credit card offers discounts (see our recommendations above) or cashback rewards specifically for petrol purchases at Esso stations and use them to pay for your petrol to save more.
Keep an eye out for promotions and special offers at Esso stations, such as discounts on specific days or periods, to further reduce petrol expenses.
It's best to also maintain your vehicle regularly for optimal fuel efficiency. This can be achieved through simple actions like planning your trips efficiently to minimise unnecessary driving, and consolidate your errands to reduce the overall distance you need to travel. By combining these strategies, you can effectively maximise your savings on petrol expenses at Esso in Singapore.
Your Esso Smiles points remain valid indefinitely, provided you earn points at least once within a 12-month period.
The monthly expenditure on fuel in Singapore varies considerably depending on several factors, including the vehicle type, driving behaviors, travel distance, fuel efficiency, and prevailing fuel rates.
For instance, a compact car used moderately, such as for commuting and occasional weekend trips, could incur a monthly fuel cost ranging between S$150 to S$300. On the other hand, larger vehicles like SUVs or trucks, or for individuals who drive more frequently or go for longer drives, you might face higher monthly fuel expenses, potentially exceeding S$500 or more.
Check out our Diesel vs Petrol Car Engines for an economic cost comparison between the two!
As of 8 April 2024, Esso fuel prices are as follows:
- Diesel: S$2.70 / litre
- 92-octane: S$2.92 / litre
- 95-octane: S$2.97 / litre
- 98-octane: S$3.45 / litre
- Premium: N/A
(Adapted from fuelkaki.sg)
It's crucial to recognise that fuel prices in Singapore are subject to fluctuations influenced by global oil rates, taxes, and other economic variables.
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Product Information
- Offers terrorism coverage of up to $300,000
- Offers Cruise to Nowhere coverage
- Hassle-free and immediate travel claims encashment via PayNow.
- Receive $500,000 for accidental death and permanent disablement.
- Legal liability coverage of up to $750,000 for accidents overseas resulting in third party bodily injuries or property damage.
- Automated flight delay benefit claims and instant payout (with just 3 hours of consecutive delay up to $500).
- Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.
- Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.
, Covid-19 Coverage
- Overseas Medical Expenses coverage of up to $300,000
- Emergency evacuation cover/repatriation up to $500,000
], cons=[Exceptions
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- If insured person undertakes any journey against the advice of a physician
- No compensation for any air miles, holiday points, membership or credit card redemption the insured person(s) use to pay for all or part of the trip.
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TIQ also distinguishes itself with its extensive coverage for COVID-19 and its inclusion of adventure sports protection. You can enjoy a peace of mind with COVID-19 coverage that extends up to S$500,000 for medical expenses related to the virus, ensuring you are well-protected in case you contract it during your trip or even before.
Additionally, TIQ offers coverage of up to $5,000 for non-refundable expenses if you need to cancel or postpone your trip within 14 days of your departure date.
It's important to note that COVID-19 coverage is available as an add-on, starting at S$45 (for a 10-day trip to Germany). However, considering the substantial coverage it provides, the additional cost is well justified.
For travellers planning adventurous activities, TIQ has you covered. They offer an optional sports equipment cover that provides protection for equipment such as golf clubs, diving gear, fishing equipment, bicycles, ski gear, snowboards, and climbing equipment, with coverage extending up to S$4,000.
SingSaver's Exclusive TIQ Travel Insurance Promotion:
Single Trip: Use the promo code TIQSINGSAVER to get 40% off. Valid till 18 September 2024. T&Cs apply.
Annual Trip: Use the promo code TIQSINGSAVER to get 80% off your COVID-19 rider. Valid till 30 September 2024. T&Cs apply.
Also receive a Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. T&Cs apply.
Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.
Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.
Real User Reviews of Tiq Travel Luxury Travel Insurance Plan
"Claim process online was easy and fast."
[Claims Process] |
|
Best for families: Direct Asia Travel Insurance
Direct Asia Travel Insurance - Voyager 500
Cancellation coverage
Medical Coverage (Overseas)
Bags & Belongings Coverage
See more
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獎勵
Product Information
- Covers trip cancellation and curtailment of up to $15,000.
- Covers rental car excess of up to $1,500
- Under family travel insurance, children go free with 2 adults.
- Loss of baggage and personal belongings coverage of up till $5,000.
- All child payable limits are the same as adults under our family travel insurance plans.
- If you are alone and hospitalized overseas for at least 5 days, we will pay for a family member to be with you.
- You can choose to add your foreign domestic worker to your family plan. Family holidays will be more fun with more hands to help
Exceptions
- Excludes Any Pre-Existing Medical Condition
- Excludes any medical expenses incurred due to pregnancy, childbirth, miscarriage or abortion unless caused by an injury.
- Act of terrorism involves the use of biological agents, chemical agents or nuclear devices
- Single trip only: Does not cover extreme sports, including sports equipments, and activites
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- Single trip only: Does not cover extreme sports, including sports equipments, and activites
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- Covers rental car excess of up to $1,500
- Under family travel insurance, children go free with 2 adults.
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- All child payable limits are the same as adults under our family travel insurance plans.
- If you are alone and hospitalized overseas for at least 5 days, we will pay for a family member to be with you.
- You can choose to add your foreign domestic worker to your family plan. Family holidays will be more fun with more hands to help
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If you’re bringing your kids along on your trip with you, Direct Asia Travel Insurance might be your new go-to travel insurance because, firstly, it offers complimentary coverage for up to 4 children.
Though most family plans offered by insurers come at a fixed price no matter how many kids you have, they might still have extra costs beyond just paying for 2 adults. But for Direct Asia, your’re just paying for 2 adults if you opt for a family plan.
On top of that, the coverage for each child and adult is the same, meaning that your children are still able to claim up to the same claim limit as you, up to the limit set by the family plan. If you compare to other travel insurance plans, some offer much lower coverage for children. This gives you the peace of mind of knowing that your children are sufficiently covered as well!
When it comes to medical expenses, Direct Asia offers coverage for treatment received overseas and when you’re back in Singapore. They even cover Traditional Chinese Medicine (TCM) treatment up to S$750 which not many other plans offer — great for those who are strong believers of TCM and their benefits.
Direct Asia Travel Insurance Promotion: Get 40% discount when you apply now. Valid till 30 September 2024. Also receive:
- Up to S$40 Shopee vouchers for Annual trip plans. Limited quantities available. Valid till 30 September 2024 5:30 pm. T&Cs apply.
- Complimentary lounge access during flight delays. Valid till 30 September 2024 5:30 pm. T&Cs apply.