Esso Petrol Credit Card Discounts (2026)
Best Credit Cards For Esso Petrol Station Discounts
Which Esso petrol credit card should you go for?
Citi Cash Back Card Esso Fuel Discounts
Citi Cash Back Card
- Cash Back on Groceries, Petrol & Private Commute
- Up to 8%
- Total Cash Back Cap, per month
- S$80
- at Caltex, Shell & Esso
- Up to 23.64% savings
Apply and spend S$500 within 30 days to choose your reward: UPSIZED S$400 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) and receive them as quickly as 5 weeks after meeting the spend criteria!
PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.
Citi Cash Back Card offers a generous 8% cash rebate on your nett fuel spend. This means that in addition to the instant savings of 14% (5% station discount, 5% Smiles Card discount, 4% Citi Card discount), the effective total savings is 20.88%.
This makes the Citi Cash Back card superior to other cards in Citibank’s arsenal for pumping at Esso Petrol Station such as the Citi Rewards which gives you a maximum of 14%. Decent, but not as amazing.
The minimum spend requirement of $800 is quite high, but if you consolidate your family’s dining, groceries and petrol expenses in just this one card, it may be worth it.
DBS Esso Card Esso Fuel Discounts
- Fuel Savings at Esso
- Up to 26.2%
- per litre of Synergy fuel purchased
- 1 Smiles Point
- for 300 Smiles Points
- S$10 fuel redemption
For Esso petrol station, there is no better card than DBS Esso Card. What makes this card stands out is the flexibility to earn Smiles Points on all shopping, dining, and other retail spends, which can be redeemed for free fuel.
The highlight is that DBS Esso cardholders can enjoy up to 23% fuel savings and up to 2.2% Smiles savings.
OCBC 365 Esso Card Esso Fuel Discounts
OCBC 365 Credit Card
- Fuel Savings at Caltex
- Up to 22.92%
- Fuel Savings at Esso
- Up to 21.04%
- Fuel Savings at Sinopec
- Up to 27.6%
Get $250 Cash or 3,900 SmartPoints (enough to redeem an Apple AirPods Pro 3 worth S$349) when you apply and spend a min. of S$400 within 30 days! T&Cs apply.
The OCBC 365 gives you 16% instant discount and up to 21.04% fuel savings at Esso. The good thing is that the card has a monthly cashback cap of $80 per month, with no split categories, so you can easily get up to 6% cashback on your overall fuel spend at all petrol service stations (besides Esso) as long as you hit the minimum spend requirement of $800.
Ways To Maximise Your Esso Credit Card Benefits in Singapore
1. Leverage Esso Smiles
- Pump Synergy fuel so that you can earn more Esso Smiles points by using Synergy fuel.
- Achieve a 35% bonus on Esso Smiles points by pumping over 250 litres of Synergy fuel monthly.
- Redeem your points for fuel discounts or other rewards.
2. Choose a co-branded card that is specific to Esso only
3. Optimize your spending
- Consolidate fuel purchases whenever you refuel your vehicle at Esso to maximise points and discounts.
- Consider options like hybrid or electric vehicles for long-term savings.
- Pay on time so as to avoid late fees and interest charges to preserve your credit score.
Exclusive: Most Popular Credit Cards in Singapore
Frequently Asked Questions
Which credit card is best for Esso?
- The best credit cards for Esso fuel are the Citi Cash Back Card and DBS Esso Card. Both cards are considered good all-rounded credit cards. To choose, simply look at the minimum spend requirement and the categories you get rewarded for. Citi Cash Back Card may have a higher minimum spend, but it offers 8% cash back on your nett fuel spend, while the DBS Esso Card has a much lower minimum spend and you get rewarded with Smile Points that can be redeemed for other rewards.
How do I get an Esso point card?
- The Esso point card is branded Esso Smiles Loyalty Card. You can get a loyalty card at any Esso petrol station. Your Esso Smile Points never expire as long as you pump once a year.
How many Esso points is a dollar?
- In Singapore, pumping 1 litre of Synergy fuel gives you 1 Esso Smiles point. Esso Smiles can be converted to fuel savings at the rate of 300 Smiles Points for $10 worth of Synergy fuel or 750 Smiles Points for $30 worth of Synergy fuel, which is equivalent to about 1.7% fuel savings. Based on this conversion, 30 to 25 Esso points = $1, but it's better to think in terms of conversion blocks of 300 or 750. Before accumulating points, you need to register your Esso Smiles card.
