DBS Esso Card

The DBS Esso Card promises up to 21.6% fuel savings. It consists of a base 18% instant fuel discount and bonus 3.6% fuel savings (min. S$180 nett fuel spend) at Esso kiosks.

All DBS Esso Cardholders are also auto-enrolled into the Esso Smiles Driver Rewards programme. This entitles you to earn up to 2.4% Smiles Savings (in the form of Smiles Points) in tandem with the above 21.6% fuel savings.

Overall, it's one of the best petrol credit cards to enjoy fuel discounts while earning rewards if you pump petrol frequently with Esso.

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Card benefit

% fuel savings

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18% discount at Esso + 3.6% cashback. 0.4% cashback on local and overseas spend.

Annual Fee

S$ 196.2

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First Year Waived

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).

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Highlights

Card benefit

% fuel savings

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18% discount at Esso + 3.6% cashback. 0.4% cashback on local and overseas spend.

Annual Fee

S$ 196.2

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First Year Waived

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).

Things to consider when choosing this card:

Things to consider

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Petrol savings

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Annual Fee required

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Benefits

Cashback

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Cashback Base Rate

0.4 %

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S$7,500 = 750 Smiles Points = S$30 worth of Synergy Fuel, equivalent to 0.4% cashback.

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Cashback Local

0.4 %

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S$7,500 = 750 Smiles Points = S$30 worth of Synergy fuel.

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Cashback Overseas

0.4 %

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S$7,500 = 750 Smiles Points = S$30 worth of Synergy Fuel, equivalent to 0.4% cashback.

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Quick Facts

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Enjoy up to 21.6% fuel savings and 2.4% Smiles Savings at All Esso stations.

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Auto-enrolment into the Esso Smiles Driver Rewards programme.

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Earn Smiles Points on all Esso fuel spend and card retail spend.

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Get interest-free payment plans for motor insurance and road tax.

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Enjoy faster payments at Pay-at-the-Pump Systems at Esso service stations.

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18% instant fuel discounts not applicable when paying via mobile wallets, including Apple Pay, Samsung Pay, and Google Pay.

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Guides

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean & PR) S$45,000 and above per annum (Foreigner).

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Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 196.2

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First Year Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Repayment

Minimum Payment

3 %

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3% of outstanding balance or S$50, whichever is greater.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.8 %

Interest on Cash Advance

28.5 %

Interest Free Period

25 days

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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

What is the annual fee for the DBS Esso Card?

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The DBS Esso Card has an annual fee of S$194.40 (incl. 8% GST), along with a complimentary one-year fee waiver.

How do I link my DBS Esso Card to my Smiles Card?

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All DBS Esso Cardholders will enjoy auto-enrolment into the Esso Smiles Driver Rewards Programme.

This loyalty programme allows you to start earning 1 Smiles Point per litre of Synergy fuel purchased at Esso stations.

Additionally, Smiles members are entitled to 1.7% fuel savings (normal tier) or 2.4% fuel savings (bonus tier) in the form of Smiles Points when 250 litres of Synergy fuel is pumped within a calendar month.

Visit Esso's website for more details.

What can you redeem Esso Smiles Points for?

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For every 300 Smiles Points, you can redeem S$10 off your fuel. For every 750 Smiles Points, you can redeem S$30 off your fuel.

Is the DBS Esso Card worth it?

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The DBS Esso Card is more worth it for those who frequently pump petrol at Esso kiosks, specifically Synergy fuel.

Not only will you enjoy up to 21.6% fuel savings pumping petrol, but earn additional Smiles Points on your Synergy fuel purchased.

DBS Esso Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

Tags

Other similar credit cards to consider

Frequently Asked Questions

What is the annual fee for the DBS Esso Card?

How do I link my DBS Esso Card to my Smiles Card?

What can you redeem Esso Smiles Points for?

Is the DBS Esso Card worth it?